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

Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, Experian, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised 2018 Fair Credit Reporting Act.

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XX/XX/XXXXthat I must deal with the people who put the inquiries on there.
Product: Debt collection

Equifax is not letting me access my account. I verified all the information name, address, ssn, dob, etc but I am still denied access to my account because I failed the security questions regarding payment amounts in the past. I've had over 10 accounts with different payments, I can not possibly remember each account. Agent XXXX - XXXX was very rude and had very nasty attitude.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no  change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this  time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the  credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. Thank you for your assistance in this matter, as it is greatly appreciated.
Product: Money transfer, virtual currency, or money service

My debit card was acting up the morning of XX/XX/year>. I tried to use it at XXXX and it was denied, then I got to the office and checked my XXXX XXXX XXXX app. It showed multiple charges to XXXX, multiple charges to XXXX ( which I don't have an account ), multiple charges to recreation. I called XXXX at XXXX and they said it would be corrected. Then at XXXX I received a few phone calls from XXXX, I finally answered the XXXX call because they were back to back. When I answered the gentleman said he was with XXXX XXXX  XXXX, gave his name and ID code, he then sent me a text to the text that XXXX sends in the same thread with a code. I gave him the code, he then asked me if I was in XXXX XXXX I said no, he said do I know an XXXX XXXX, I said no. He said that we need to change my user name it appears she is trying to use my credit card information for {$8300.00}. He said it looking at your account, it looks like you have multiple charges, from XXXX and XXXX, so I was like yes, I called earlier to report that. He said we need to get you a new account set up, he set he was getting his supervisor so he could get it set up for me. His supervisor got on the phone and gave me another ID and then sent another code to my XXXX  text strand. I then repeated it back to him. So he told me that we need to move the funds to my new account, talked me through the app on my phone and told me to turn the wire button on. I started to feel uneasey at this point, and got on my office phone to call XXXX to speak to another agent to see if that was protocol, when this was happening, I ignored a call coming in through my cell phone because the scammer was still on the phone. When I swiped up, I ended up hitting the wire transfer. At that point, the legit XXXX agent got on the phone with me and I told her the story. The scammer hunger up as I was filing a fraudlant claim. The account the wired funds went to is a XXXX XXXX with Wells Fargo. The inital wire was {$8900.00} and the wire fee was {$40.00}. Wire time XXXX ET TRN : X XXXX Service XXXX ID XXXX XXXX Wells Far Go Bank, NA ID : XXXX PMT DET : XXXX They basically took all of my money. I have XXXX small kids and I am a vicitim up a scammer. I feel very violated, and scared to death about paying my bills. Please help me. I've never wired funds and especially would not have. I almost feel like it was an employee of XXXX with how they had and knew everything. There should be a limit of any sort of wire followed by some sort of text or email to prevent this from happening across the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my report from Early Warning system and there are 18 different accounts that I didnt open under my information. Some accounts have addresses from Alabama some accounts have an entirely different social security number but its tied to my drivers license. This is honestly so scary that an agency can damage your credit with inaccurate information without any consequences. The accounts in question are : XXXX ( XXXX this account is with an different SSN ) XXXX, all XXXX accounts XXXX account numbers : XXXX. This is actually ridiculous. I have attached all verification documents to prove my identity
Product: Credit card or prepaid card

Bank of America charged me {$60.00} in fees & admitted to doing it purposely - They stated that these " cash advance fees '' are legitimate when they failed to close my two checking accounts & failed to provide a response within 90 days - They have been trying to run the clock out on the dispute period as there is no way to dispute these " fees '' on their website. 

They have openly admitted & refunded one charge out of the five. 

They also charged {$0.00} interest I had {$500.00} in my checking, which should have been issued to me when I attempted to close the account, instead the bank thought it would be necessary to lie & state that I " have overdrawn accounts '' This started XX/XX/2022 & I am extremely upset!
Product: Credit card

On XX/XX/year>, I rented a car from XXXX, and they charged me a {$200.00} deposit. My credit card from Cred.ai also added a {$75.00} deposit for reasons unknown to me. On XX/XX/year>, I returned the car, and XXXX confirmed that they released my {$200.00} deposit the next day, on XX/XX/year>, providing me with the Release Authorization Code # XXXX. 

As of today, XX/XX/year>, Cred.ai has not refunded my deposit yet, and I urgently need that money. The deposit was in cash, not credit. I have called four times and requested to speak with supervisors, but they are always in a meeting and have not returned my calls. Three agents informed me that they would escalate the issue, yet no one has contacted me.
Product: Checking or savings account

XXXX XXXXwas a disputed amount that was charged on my card. The merchant stated they didnt have the charge to call the bank and get my money back. Credit karma stated they needed to investigate but last time I had a email stating to ask for my money back on a XXXXXX/XX/XXXXcharge because the company went out of business and they denied the dispute. Why is my money jsut floated in there hands I want my XXXX I contactedXX/XX/XXXXon the fall they said to call my bank for my money. I called them multiple times with the same old speach they cant help why have agents that cant help.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

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: Debt collection

XX/XX/year> Attempting to collect by phone at my place or work.
Product: Credit reporting

On XXXX XXXX, 2016 I checked my XXXX report and it showed that an collections account, XXXX XXXX XXXX was deleted and reinserted in the same week. I have been disputing this account for a few months due to the fact that it is not mine. I have sent them several letters and have yet to receive a response. Transunion failed to notify me within 5 days that they were reinserting the collection account. They have broken the law.
Product: Mortgage

Around XX/XX/XXXX, my mortgage loan was approximately {$56000.00} behind. Earlier to that time, I applied for mortgage assistance through the Maryland Homeowner 's Assistance Fund ( HAF ). Also around XX/XX/XXXX, I was approved to receive {$60000.00} of assistance from the HAF program in the form of a {$40000.00} loan and a {$20000.00} grant. 

In XX/XX/XXXX, my mortgage servicer ( Carrington Mortgage ) through HUD applied a {$56000.00} lien on my residence. Through the fog of instability and stress of trying to maintain my home and these events occurring around the same time, my co-borrower and I did sign a note to repay the HUD lien, not realizing it was unrelated to the HAF assistance I applied to receive. My co-borrower and I also signed a note to repay the $ XXXX HAF assistance. My XX/XX/XXXX mortgage statement shows that the $ XXXX HAF assistance was used to reduce the principal balance of my mortgage, while the mortgage had a past due amount of {$57000.00}. That principal adjustment only served to shift the creditor to be repaid from Carrington to state of XXXX. In other words, the assistance was of no benefit to me. 

I applied for and wanted the HAF assistance. I did not ask and did not want the HUD lien to be attached to my residence. Now, I owe the $ XXXX lien PLUS the $ XXXX HAF loan, which puts me in a financially adverse position.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX XXXX, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the XXXX XXXX This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  TU Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  TU Account Number : XXXX Account Name : XXXX - XXXX XXXX TU Account Number : XXXX Account Name : XXXX - XXXX XXXX TU Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX : XXXXXXXX XXXX XXXX - XX/XX/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 XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are reporting late payments on these accounts. XXXX, XXXX and Transunion. On XX/XX/XXXX i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, XXXX and Transunion are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

So the internet was used at a cabin to keep a camera and thermostat up and running. We had open an account with XXXX  that the information on card to debit from was wrong and they closed the internet on XXXX XXXX and we reinstated it XXXX XXXX paying the bill in full and other charges minus the XXXX early termination fee that should of been on the close out bill that I paid of XXXX  some dollars, then we started the new service and from what I have emails and been told that service should never of been opened with out a paid in full bill of what I thought I paid when we closed the old account. Fast forward 2 years on XXXX we found out there was a XXXX dollar charge from collection agency when I went to buy a house. I new nothing about. When calling the collection agency they had the wrong contact number and it took a while to find out it was a bill to me.. paid it that day and did not realize how bad this is impacting my credit since I knew nothing about it in two years and have no mailbox at the point of internet. I have paid XXXX  bill for the last 3 years with no problem. They admitted to a mistake says XXXX XXXX email from XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from XXXX XXXX that has been allowed to report on my credit again and now its reporting as open once again but its charged off.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I made a payment f {$1000.00} to my XXXX XXXX account. In XXXX, they were still reporting my previously held balance of {$2000.00} to the credit bureaus. I called them and asked them when they would report the correct balance and they said after the close date on XX/XX/XXXX. I filed a dispute with the credit bureaus and they corrected the balance. Then on XX/XX/XXXX, they changed the report and returned it to the XX/XX/XXXX balance of {$2000.00}. I have not used my card at all and my balance only decreased since my XX/XX/XXXX payment, it has not increased. I filed another dispute, uploading the payment history and true date balance and the the score was corrected within 5 days. Today, XX/XX/XXXX, XXXX XXXX XXXX has once again returned my balance report to {$2000.00} with the credit bureaus. That has not been my balance for 46 days and 2 billing cycles. As of today, my balance with XXXX is {$840.00}. 
Their fraudulent reporting has caused me irreparable harm as I am in the process of moving and due to the yo-yo in my credit score and repeated false balance reports, I am unable to obtain a mortgage and could be homeless by the end of the year. I have been a loyal customer and have never missed a single payment. It is unethical that they in poor practice to falsely report consumer debt and payment information.
Product: Checking or savings account

I 've submitted two claims with Wells Fargo now twice they continue to ignore facts in resolving the issues. Several Checking and Savings accounts and even a loan was opened under my name and social with Wells Fargo without my consent and due to my identity being stolen. 

Wells Fargo continues to neglect factual information. They do n't accurately investigate claims and try to put accounts that do n't belong to me under my name and social. Wells Fargo ignores that the account identifiers do n't match me along with I 've been living and working abroad since 2010 so its impossible for me to have open any accounts with their bank. 

I 've talked to the Executive Office along with the Financial Crimes Manger and continue to get no where. I 've been given the run around and false promises. Wells Fargo has a history of not doing right by its consumer and I 'm not the latest victim of Wells Fargo neglect and irresponsibility.
Product: Debt collection

This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.
Product: Credit reporting or other personal consumer reports

I'm writing to express my concerns about your agency 's violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To prevent further escalation, these issues must be addressed and resolved to the maximum extent The mistakes on my credit report, which have decreased my creditworthiness, are unacceptable. Furthermore, failing to provide notifications about the sources of the information in my credit report, as well as illegal disclosure of my credit information for no lawful purpose, are serious violations that must be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any account listed on an IDTheftReport # XXXX. Ive already included this report in a previous letter & I have included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX