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

Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXXXXXX
Product: Debt collection

They havent showed proof of when this credit card was open the date.And proof that I agreed to this debt.Prroof of date of debt
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$5300.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I have attempted to work with Rise on over 10 occasions to get my account back to current. I paid {$540.00} in the middle of the worst of the pandemic to get caught back up and then was told by XXXX XXXX that I was reported for a late payment- which I am very careful about and had never been reported for late payments. Apparently, the days rollback 14 from the last due date, not 30 from your last payment. I was told 30 days, not 14, which can be heard on the recorded calls. When I asked about the recorded calls, I was told they dont have them anymore because they delete them after a certain amount of time. 

After leaving a review on XXXX with my concerns of their misinformation as well as false reporting, I received a generic response saying to call a specific phone number to speak with someone about my concerns. I did exactly that and was told they do not offer COVID relief to ANY ( stated in a very heavy voice ) of their customers. Their website states otherwise ( I will include a screenshot ) and I request they remove this immediately as its false advertising - misinformation. I asked if I could change my due date schedule as my repayment schedule went along with my pay dates, which no longer exist, and was told they will not even talk to me in that department until I pay another {$540.00}. All of these are terrible business practices, but many of these things are verifiably illegal. I am ready to pursue a lawsuit if they are continuously unwilling to provide the help they say they have. I can not afford the constant credit bureau reports and I have done everything I can to get the extra money, but am living paycheck to paycheck after taking a {$40000.00} pay cut due to COVID.
Product: Debt collection

I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
Product: Debt collection

-On XX/XX/year>, scheduled payment for past due amount. 
-Received repeated calls on XX/XX/year>, XX/XX/year>, and XX/XX/year> regarding past due payment. 
-Calls come from various numbers with a local XXXX area code and occur every XXXX minutes. 
-Creditor is XXXX
Product: Credit card

I believe my first payment date was on XX/XX/XXXX of this year. I called two days prior to make a payment. When trying to make a payment over the phone with affirm I was told that it was an error in affirms system. I was told to call my bank and make sure they take payments from affirm, they told me everything was fine on my end and it was a error with them. I called back and told them this, the employee specifically told me he would put it down in the notes and that my payment history would not be affected by this since it was an error in there system. He told me I would be receiving a call back about the error in the system. I was told that all the calls were recorded so this one defiantly should have been. A couple week go by and I call again, and I am told the same exact thing. So at this point I am just waiting around to see why In not able to make a payment. I kept being told that I would not be affected because it was not my fault. Finally after talking to several managers I finally talked to one way in XXXX who finally gave me a solution. By this time I had already requested credit disputes because my payment history was shown as I was missing payments when I could not make any from the start. I was told by multiple managers that I would be receiving a credit dispute for this cause but when it came down to it they kept making excuses on there end. In XXXX finally a manager gave me a solution to pay a different way since I did not have another card. They told me to try with my actual account number, and that finally worked. So I payed the months prior, and was told I would be receiving a credit dispute for this inconvenience. Again a couple weeks later I was told the case was closed and that I was not able to receive a credit dispute, I called back and requested the company to trace the phone calls were the evidence were plus the notes but I have yet to receive a credit dispute.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and previously informed your agency on XX/XX/2024about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will serve as a reminder and also a follow-up to my previous complaint last XX/XX/XXXX. My previous complaint contains these erroneous items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. After speaking to supervisors from XXXX the account for XXXX XXXX was removed. However, after speaking to a supervisor from XXXX and Experian who assured me that the account would be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from XXXX and Experian and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with XXXX and Experian an I have yet to receive a response within a reasonable amount of time. XXXX and Experian have yet to validate the alleged debt from XXXX XXXX and has allowed this company to report two negative accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought furniture from Mor Furniture Financed it through TD Bank made all timely payments made final payment on XX/XX/2020 Our credit report still shows an outstanding balance.
Product: Debt collection

I originally reached out XX/XX/2023 reporting the inaccuracies on my account and providing a FTC identity theft report for the creditor. You stated a drivers license was required to complete the process but you have not shown proof of the drivers license presented at the time. FTC reports nearly XXXX XXXX dollars lost to fraud each year. That number is not fictional. My identity theft report was not taken seriously, and when given the opportunity, the " comments '' section was not updated as " identity theft '', nor was there any acknowledgement of my dispute. Attached are the responses from the original creditor alleging I provided a drivers license, which can be obtained illegally by criminals wishing to steal someone's identity. What's more is the account alleged to be mine isn't even reporting accurately. How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. I have waited a year and disputed this multiple times with a paper trail being left in my favor. Depending on the outcome of this dispute, please understand that I am intending to sue if my report is once again neglected. 

please see the attached images and files for context.
Product: Credit card

My Citi Card statement indicates the AutoPay amount due as one amount and the Citi.com website indicates another. Which one is it? I actually had to dig deeper to see the new AutoPay amount which should be disclosed upfront.
Product: Student loan

I borrowed {$10000.00} from Sallie Mae and made {$100.00} payments for approximately 12 years, which i thought repaid the loan as my student loan book was depleted. After sending what i thought was my last payment I received a notice saying due to late payments I owed an additional {$1000.00} and if I didn't send the money I would never be able to get credit as the loan would be classified as in default. I requested on information on which payments were late and how the late fees were calculated - but Sallie Mae never responded so i made the additional 10 payments of approximately {$1000.00}.
Product: Debt collection

I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR
Product: Debt collection

A company with a name Sequium Asset Solutions put a charge on all three of my credit report that I owe them. I do not know this company, have never done business with this company yet they were able to get my social security number and reported collections to XXXX XXXX and XXXX. 
This was reported on XX/XX/2021. 

I searched on XXXX and found them to be a scam company that wants consumers to pay them. They are demanding payment from me and I have never done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX, I have reached out to XXXX and TransUnion regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of Persolve Legal Group LLP/Persolve Industries etc XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to XXXX but is reporting the same account as open, negative and with an incorrect balance to TransUnion. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.
Product: Mortgage

I paid our mortgage ON TIME for the month of XXXX, however XXXX has us listed as 30 days late on the credit report.
Product: Mortgage

Approved for a loan modification with ocwen. All trial payments made on time. Ocwen failed to send out final paperwork to be signed within a reasonable time frame. Signed and sent back only to be told done incorrectly. Waited another unreasonable amount of time for second try at paperwork. Sent back and not accepted. Waiting for the third set of paperwork to be reviewed. At no time did ocwen offer to explain why paperwork was wrong. Incorrect or missing information on their website. Credit reporting during trial period was current. After trial period no information given for current payment to be made. Ability to pay online and on phone retracted. Payment statement slips no longer arrive at my home. No longer reporting current but 180 days plus late and " congratulations you have been approved for a modification '' removed from their website. While in modification process constantly receiving calls about collecting a debt and how we are in default and what are plans were. It 's like they are XXXX different companies. Very concerned that I will lose my home. They have not been straight forward with me. They have lied to me and deceived me. I have given up trying to talk to these people. My lawyer will handle from here on out ...
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Convergent outsourcing inc., is committing fraud based on the fair reporting act. On XX/XX/2021 I turned {$350.00} of equipment to XXXX XXXX. They are claiming I owe {$410.00} for services and {$350.00} for equipment. I have already turned in the equipment and XXXX XXXX has accepted the items, convergent refuses to get in touch with their client, and are committing fraud by false reporting for the last XXXX months since XX/XX/2021. Here is my proof, If Convergent continues to commit fraud, I will have no choice but to seek legal recourse. I already filed a complaint with your agency ( CFPB ) on XX/XX/2021 but because of your computer system freezes when trying to add supporting documents over the phone, I believe that is why the first dispute was closed. Please ask Convergent Outsourcing why they refuse to get in touch with their client. I believe Convergent Outsourcing is committing fraud by not reporting accurately. I believe on behave of their client they are reporting inaccurately because they want the money for the equipment and not the actual equipment. I'm not going to pay for equipment I already turned in per my proof in the receipt. If they want me to pay for the equipment instead of turning it in like I did then that means that equipment is my tangible property they are in possession of, That is THEFT AND FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. XXXX reports the term duration as 1 month, XXXX reports it as 0 months, and Experian reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]
Product: Credit reporting, credit repair services, or other personal consumer reports

It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a credit report
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 may make any consumer report containing any of the following items of information Any other 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

name of inquiries to be deleted are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. My name is XXXX XXXX. XXXX XXXX XXXX Acct # XXXX and XXXX XXXX  XXXX Acct XXXX XXXX needs to be removed immediately also because those accounts don't belong to me!