23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  ACCOUNTS XXXX Balance Owed : {$620.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

They are reporting this on my credit report damaging it, Knowing that I do not owe this!!!!! It was discharged in bankruptcy
Product: Debt or credit management

I am writing to you because there are unauthorized charges on my credit report regarding a company called LVN these charges are not accurate nor that I do these charges at all Account name RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$910.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulent on my account XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing unvalidated late payments on my credit report. Despite my written dispute over XXXX XXXX XXXX you have failed to respond or provide the required validation, which constitutes a direct violation of the Fair Credit Reporting Act. You must immediately remove these disputed late payments from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having bad credit XXXX XXXX I had a Transunion score of XXXX trying and aware of my credit situation dealer said he can help me telling him my situation he told me he would do a soft inquiry from there decide where to go..then I agreed. 

That soft inquire was a hard inquiry and went out to XXXX XXXX and XXXX XXXX and dropped my score -70points Im not a fool ... this salesman took total advantage of me This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

M y Wells Fargo NB Retail card was closed and the reason is noted as consumer request to close.        1 ) I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me, WF did n't even argue this point. This is totally unprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit   use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Product: Debt collection

I was harassed by a company called cfm about a debt over a credit card machine from XXXX, I had started a small business, I started seeing fees and money being syphened out of the account by XXXX, more than the terminal was processing, the location was then moved and the rep switched out the machine, still money kept getting taken from them and the account was cancelled, there re rep was no longer available, and they all of a sudden called me out of the blue threatening me about a account balance, for the agreement on the machine, we agreed to a settlement, then i started getting more calls turns out the rep redid the contract for an additional 3 yrs with a new account number and now they are threatening for payment on that, again a settlement was reached and now all of a sudden XXXX put a unpaid balance on my credit report, as it stands i finally got an email company poorly written of the contract which does not contain my signature but some else signed my mane too, there rep rep )
Product: Credit reporting or other personal consumer reports

I heard a bullet go or a fire arm in the recorder, and the recorder took a picture. of the men that came " I did not hear anything as I am deaf and was hearing TV, since I am on oxygen and bedbound. My daughter was asleep and his son not in the house I took pictures, these men tried to oopen my door and my window and now the window does not close well, they broke it. 

They posted something in the door which is talking about a 3 day notice for eviction from some realtors. These realtors approached me to vacate my home, attached. it is my personal residence for the last 16 years and my husband ( late ) and I and my chidlren paid cash for it It is paid and we paid the property taxes, and all and reported to IRS since XXXX. 

These people I was told are from a company in XXXX or in XXXX 
XXXX XXXX. registered under the name XXXX XXXX XXXX as " owners '' of my house incorrect because XXXX XXXX ordered the attorney to deliver our titles to my family long ago and the attorney to collect from XXXX in XXXX We paid cash for our home. 

The case is a 10 year litigation, out of which we lived here 16 years as our personal residence, I sold it to my son in XXXX but we have not been able to close because first american could not get a note or a payoff from nationstar Who are these people, other fraudsters? They are never mentioned by our title insurance policy in XXXX Is this a " deal between mr cooper and XXXX XXXX and XXXX XXXX and XXXX XXXX '' with " XXXX XXXX and XXXX XXXX ''. I am the owner with my late husband ( probate in process ) and the heirs not anyone. the situation is on appeal with the courts because the bank Mr Cooper lost my XXXX dolars in cash sent through the fiduciary from XXXXXXXX XXXX XXXX XXXXXXXX checking account to payoff the tax form that mr cooper sent to the irs. XXXX has not been delivered back free of liens by nationstar I know fidelity title ( where XXXX XXXX, the escrow realtor who sold us the home at XXXX title in XXXX ) and XXXX XXXX hired a california realtor to post the sellingn of the home for XXXX which is absurd and I did not authorize him to do that. They were reported. However I never met the XXXX XXXX XXXX XXXX in XXXX ( XXXX and XXXX XXXX ) nor the connecticut company. 

They need to be added to the litigation too if hey are intruding. Please do not break my windows thummping on them and not try to enter my house messing with doorknowbs to open the door saying you are the " police ''. I have not committed any crime, on the other hand the bank has my retirment and the military pension of my husband ttah was paid for the paoff of the real estate contract over 6 years ago. Who are this people working with crooks or what are tey sent by bousliman, or by the bank?
Product: Mortgage

Months back after coming out of loan deferral due to covid my loan was sold and for a number of reasons I did not get the new information to start paying. Once I found out my loan was in default I immediately started working with NewRez/Shellpoint . After months of going back and forth with Shellpoint my loan was recalculated and I paid my XXXX test payments and have been paying my mortgage on time ever since. I have had access to the portal and everything has been going fine. 

Now on XX/XX/XXXX I get both a statement with my current loan payment and amount it will be as of XX/XX/XXXX ( lower ) and a statement saying my loan is in default. Both were sent on the same day. They verified I paid XXXX and XXXX. I can no longer see my loan on their portal since I am locked out an all I see is that I owe XXXX as of XXXX XXXX. 2022 ( note, this is a different amount than is stated on the default letter. I have called to see what is going on an am waiting for a call back. However after a horrendous experience last year I am concerned this is going to take months and damage my credit.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I opened a dispute with Experian regarding several accounts on my credit report that I believe to be fraudulent and not belonging to me. The accounts in question are : Account XXXX foXXXX XXXX XXXX  Account XXXX for XXXX XXXX XXXX XXXXXXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXX XXXX Account XXXX for XXXX XXXXXXXX XXXX I notified Experian that these accounts were fraudulent and requested that they be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), credit reporting agencies are required to block the reporting of information within XXXX business days after receiving a consumer 's request, provided the consumer has identified the information as resulting from identity theft. 

Despite this mandate, Experian failed to remove these fraudulent accounts from my credit report within the required timeframe. Additionally, I requested verification of the debt and ownership of these accounts from Experian. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the XXXX XXXX XXXX must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. 

After more than 30 days, Experian sent me a new report stating that the accounts would remain on my credit report. This is a violation of XXXX XXXX. XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

By failing to remove the fraudulent accounts within the legally mandated XXXX business days and by not conducting a proper reinvestigation to ensure maximum accuracy, Experian has violated multiple provisions of the FCRA.
Product: Debt collection

This is debt I have no knowledge of this debt and I have told these people this repeatedly although they keep calling me they placed this on my credit report without my permission and refuse to remove it unless I paid them this amount owed by someone else. I refuse to pay this and they refuse to remove it from my credit report this is fraud and it is illegal they did not contact me by mail or phone until after I contacted them to remove this information off of my credit report.
Product: Debt collection

As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX XXXX XXXX XXXX '' for the Full Billing Amount, along with an IRS XXXX in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.
Product: Checking or savings account

I filed my taxes for XXXX i got a cashiers check from XXXX took the check to my bank which is CHASE they looked at the check looked at me then said we cant cash it so I asked to deposit it and immediately they put a XXXX day hold on it i have called for XXXX days and at this point feel completely discriminated on due to being XXXX! They are telling me they cant give me any information or give me there name or any information on why i was sent to the fraud department for a cashiers check can you please help me
Product: Vehicle loan or lease

I was behind on my payments. I called them to make a payment to get caught up on XXXXXX2017. After I made the payment with a Wells Fargo representative I was told that the vehicle would n't be repossessed. The weekend following the conversation ; the truck was repossessed on Saturday morning around XXXX. I had to get a rental and missed a few days of work due to a processing error on their part. After contacting Wells Fargo, they returned the vehicle a few days later without any cost to me ; however at that time I was told that they would compensate me for their mistake, which was the cost of a car rental. After several conversations with no resolve, I decided not to make any payment until the unlawful repossession was taken care of, by means of Well 's covering the cost of the rental, which was promised to me. Which on my part was n't the correct way to handle the situation. After several weeks of attempts to have the costs covered ; I attempted to bring the loan current, since withholding payments were not getting the result I had hoped for. When attempting to make a {$4000.00} payment I was informed the loan was going to be charged off for being 120 days past due this was on XXXXXX2017 and I was also informed they no longer would accept any payment to bring the loan balance current. At that time ; with the last payment made with my calculation I was only behind 67 days not 120. Wells Fargo during the call forwarded me to thier national recovery center to discuss my options. I opted to open a case with presidents office of wells fargo which in return should have stop the repossesion as well as the calls from the national recovery center until the case was reviewed ; it did not. I also have been trying to make payments and have been informed " no payments '' to the loan would be accepted. On XXXXX.2017 I once again contacted Wells Fargo to make a payment ; at this time I was informed only a payment of $ 19,000+ would be accepted with a new agreement to then make four subsiquent monthly payments of {$4700.00} to make a total of {$38000.00} in less in 5 months.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had GAP Insurance. After GAP payed they left me a balance of {$880.00}. I don't owe this as GAP should have paid this car off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Charged-Off Account on Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute the accuracy of a charged-off account appearing on my credit report. The account in question is with XXXX XXXX under account number XXXX. Upon reviewing my credit report, I noticed that this charge-off has been negatively impacting my credit profile, and I believe it is either inaccurate, unfair, or does not comply with federal reporting laws. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be thoroughly investigated. If the creditor can not verify the accuracy of this charge-off, I respectfully request that it be removed from my credit report. 

I appreciate your prompt attention to this matter and request a written response regarding the findings of your investigation. Please let me know if you require any additional information to facilitate this process. 

Thank you for your time and assistance.
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 n 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX 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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name - XXXX XXXX XXXX  XXXX XXXX XXXX Account name - XXXX XXXX XXXX MD XXXX XXXX Account name - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Account was overdrawn in the last few minutes before XXXX. Two small charges were paid last leading to three overdraft charges of {$34.00} instead of one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was billing me {$14.00} XXXX  XXXX XXXX services which I never signed up for. I should of never been billed as I only signed up for a free account. XXXX  then locked me out of my account. XXXX  was blindly charging a monthly membership fee without the my knowledge, authorization or consent. I signed up for the free account yet multiple membership fees, were billed to credit card. The multiple unauthorized charges caused my credit card company to flag the charges as fraudulent charges and the card was closed because I hadnt requested a credit report from XXXX  or any similar service.
Product: Credit reporting or other personal consumer reports

To whom it may concern at XXXX XXXX XXXX MACYS/CITIBANK, N.A .

and BESTBUY/CBNA Congress says `` accept as in provided in paragraph 3 the term consumer report does not include reports containing information solely as the " transactions or experiences '' between the consumer and the person making the report '' Payment History would qualify as a " transaction or experience '' Therefore reporting this derogatory information on my consumer report is in direct violation of laws set for by Congress.

I received a copy of my credit report and have found the following items to be in error by the provisions of the Fair Credit Reporting Act I respectfully demand these items to be investigated and updated on my credit report it is my understand and belief that you will recheck these items with the " creditor/agency/corporation '' who posted them Pursuant 12 CFR Part 1006 - Fair Debt Collection Practices Act According to Federal Law reporting late payments is ILLEGAL 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) ( i ) ( b ) if they are unable to provide proof or Lacking proof of these payments being late please update my payment history to ( PAANL ) status ( Paid As Agreed Never Late ) according to consumer protection laws. 

Please update any information that the " creditor/agency/corporation '' can not verify it is to my knowledge that under 15 U.S.C. Section 1681i ( a ) that withing ( 30 ) days you must complete this re-investigation of the receipt of this notice Please send me an update copy of my credit report to the above address Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and was able to confirm that there are accounts that are reporting inaccurately in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.