23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously disputed an account listed on my consumer report XX/XX/year>. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA XXXX5 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Product: Debt collection

Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019. 

My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX  although I have lived in XXXX  since XXXX. 

I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Product: Money transfer, virtual currency, or money service

My complaint XXXX was wrongfully closed by CFPB without all my request for information provided to me by Transfer Wise. 

Please attach the old compliant resolution sought to TransferWise/ Wise Inc Transferwise wrongly terminated my account. 
Transferwise accused me indirectly of money laundering and criminal activities Transferwise i.e Wise Inc took my call of filing appeal and their agent said that they have indicators in system that my account is flagged and it will not be activated After CFPB complaint, Transferwise activated my account. If there were flags and due appeal process followed, my account should not have been reactivated by Transferwise. 

This proves that Transferwise wrongly closed my account, didn't do proper review during their appeal process, targeted me by indirectly saying that I am involved in criminal activities or money laundering when this account is totally new and I have never even had a single audit or question by any govt agency. 

CFPB did not look at my fair resolution before closing my complaint. Please DO NOT close this complaint before checking with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. Please delete this account from my Experian credit report. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

There are unauthorize hard inquires from XXXX XXXX, XXXX XXXX on XX/XX/2023. I did not apply for credit from these institution, And call trans and wrote letters to Transunion to file a dispute, But they ignore my complaint and the hard inquires remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX
Product: Debt collection

I did not open an account on XX/XX/2023 with XXXX XXXX, it says I owe XXXX dollars that I do not have from them never even received. I keep getting calls from a debt collector and they are very abusive and rude, called srs. I do not have any documentation of this debt as I do not own this debt. 

My ssn can be used and brought up all my used names and phone numbers, but it doesnt make it my debt. 

I was even told that I opened this debt from an address I havent lived at for over 10 years.
Product: Mortgage

XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/XXXX.
Product: Debt collection

I RECEIVED A LETTER IN THE MAIL PERTAINING TO A RENTAL COMPANY CALLED XXXX. DOESNT SHOW DATES OR AMOUNTS OWED OR MEMBER NUMBER. IDOTN EVEN OWN A MEMBERSHIP WITH THIS COMPANY AT ALL. BUT I DO RECALL MY INFORMATION STOLEN BY XXXX XXXX PATIENT. I DID REPORT INFORMATION STOLEN AT THAT TIME AND GOT REPLACEMENT OF ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

self/lead bank balance owed XXXX ( XXXX XXXX XXXX  ) I have call numerous times and sent them letters notarized, police reports yet they still fail to remove this fraudulent account from my credit report. 


15 U.S. Code 41 - Unfair methods of competition ; prevention by Commission This section empowers the Federal Trade Commission ( FTC ) to prevent unfair methods of competition and deceptive acts or practices affecting commerce. It covers various consumer protection aspects, including false advertising, deceptive marketing, and other unfair business practices. 


15 us code 1681a ( 2 ) ( A ) ( i ) 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumers reports no consent I fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my credit report I have a debt with an apartment complex called XXXX XXXX   for XXXX  and it was taken over by National Credit System.I was never notified of this before going on my credit report and nothing was sent to me.The original creditor has no proof of this debt and nothing had been sent to me with my signature.Or anything showing charges as well.This is effecting my credit and future for myself.Ive been back and forth with this company due to not showing proof or my signature or any information with my signature of ID.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING HARD INQUIRIES DO NOT BELONG TO ME, I DID NOT AUTHORIZE THEM, THEREFORE THEY NEED TO ME REMOVED. THANKS. 

XXXX  XXXX XXXX - XX/XX/year> XXXX CARD SERVICES- XX/XX/year> XXXX PR - XX/XX/year>
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to you guys months ago about Experian deleting incorrect information which included unlawful late payments and fraudulent inquiries and when I informed them they investigated and removed them and my score jumped up XXXX points to XXXXty and when I contacted you guys about how they refused to really do they job and I filed a complaint they retracted the points and my score hasnt gone pass XXXX score, I have no inquiries any more no collections good mix of credit accounts and one inaccurate account they refuse to delete or correct do to USC 15 1681 ( A ) ( 2 ) ( i ) from XXXX XXXX XXXX XXXX I did not miss the payment and they refuse to acknowledge it, but where here about my credit score thats not correct
Product: Debt collection

I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS ON MY CREDIT MONITORING SITE AND NOTICED A FRAUDULENT ACCOUNT THAT IM GONE PUT IN THIS COMPLAINT HAD NO KNOWLEDGE OF I WOULD LIKE FOR THIS ACCOUNT TO BE REMOVED OFF MY CREDIT REPORT BECAUSE ITS AFFECTING MY CREDIT
Product: Mortgage

In XXXX XXXX XXXX XXXX gave me a loan for my mortgage. In XXXX XXXX XXXX also sold my loan to Wells Fargo and it's been with Wells Fargo since XXXX. 

XX/XX/XXXX I received a letter from an attorney representing XXXX XXXX, saying that Wells Fargo had demanded XXXX XXXX buy back the loan at the current balance. XXXX XXXX, therefore demanded that I pay the remaining balance in full which is currently XXXX and that I pay it in full in XXXX  days of the notice. Or my house would be foreclosed upon and sold. 

I reached out to the attorney for XXXX XXXX for further explanation on three occasions but received no responses. I reached out to Wells Fargo, and the first time their representative investigated my account, they confirmed my loan was current, no late payments had ever been made. They told me to ignore it. A loan that is current, can not be foreclosed on. Even though XXXX XXXX had threatened it. 

After not hearing from XXXX XXXX attorney, I reached out to Wells again a second time. This time, they issued a case number and told me that someone would investigate it further, because nobody had ever heard of a bank selling back a loan that is current back to the original lender after XXXX years. 

After not hearing from the attorney, I went on to XXXX XXXX website and contacted several email addresses, until I got a response from somebody. They told me that XXXX XXXX messed up by not reporting something correctly and to fix it they needed to run a credit report. I asked them not to. They said OK they would not, that they would use the old credit report used when I obtained loan. But a day later, I received several notices, that my social was run for inquiry, and have been getting calls non-stop. XXXX XXXX said that it was an error, and they didnt mean to run report but the damage was done. 

After also hearing back from Well, they advised that they actually had notified XXXX XXXX, that they were supposed to buy back my loan on XXXX. But no explanation as to why I was not notified first to try and save my house. Their only concern was that I continue to make payments until they sell the mortgage. 

So, to start off, not sure if I found out by mistake early. It almost seems like I intentionally was kept in the dark so I would not have time to be able to save my house. Second if I am current with my mortgage, can a bank really foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that this complaint is filed against both XXXX and Equifax for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both XXXX and Equifax and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from XXXX and Equifax are missing date account was closed. 2. Both reports from XXXX and Equifax are missing date of last activity. 3. XXXX reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. XXXX report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on XXXX report. Said dispute has been over and no other disputes exist. Once dispute is over, XXXX was obligated to remove all codes and remarks about disputes from the report, which XXXX failed to do. 8. Equifax report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. Equifax was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about a collections item from XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. I provided documents from medicare showing that I was not responsible for these bills. They denied and redused to take this record off my credit report. The US government says I am not responsible so how can they seny this claim being removed
Product: Debt collection

Unfortunately, the collection Agency ConServe XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Sent me into collection, which I believe was unfair, with all due respect, allow me explain what happened : I was registered in XXXX XXXX XXXX from XXXX  online classes during the pandemic time in XXXX, but I never actually got to attend any of the classes at XXXX XXXX and decided to go to XXXX XXXX XXXX instead because it was closer to my house. I felt XXXX XXXX was a better fit for me. In this time I was living in XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX XXXX sent a laptop and I called the college because I wanted to return the laptop but they didnt accept it. They told me I have to pay for the laptop. 


In this time my single mother had financial hardships, with her being a XXXX XXXX and her XXXX  was closed for COVID-19, also with reduced hours and myself not working also. We absolutely didnt refuse to pay the laptop It was just the circumstances, those times were uncertain and fearful. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. schools closed, businesses closed, many people losing their jobs, houses and their loved ones, The pandemic was a very difficult time. My mom did not stop paying the rent, electricity, water and food. quarantine was two months and it lasted much longer. We don't know how we have survived those difficult times we had during the pandemic. 

I started working last year of XXXX in XXXX and I was finally able to pay the laptop. The laptop is now paid for in full at this moment. My mom called the collection agency and told them that we were going to pay the full amount, with the condition that they remove my name from the 3 agencies ( XXXX, XXXX and XXXX ) and they accepted, but my name still there. My mother and I, are extremely responsible people, and we know the importance of making payments on time, my mother has achieved a good credit score.

Please, I beg you, if you would be willing to make a goodwill gesture and remove the Collection from my credit report. Because it is affecting me, having a better line of credit, applying to rent an apartment and car.

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with any company.

Thank you for your consideration and time,
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX