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

There is inaccurate information reporting on my XXXX credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but XXXX has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost 100 points. A company called Affirm Inc. is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted Affirm Inc. to obtain the documentation that would allow me to figure out who may have opened this account, but Affirm refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my XXXX credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX  Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, Affirm has continually sent new late payment notifications, despite my numerous attempts to contact them. XXXX still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with XXXX and Affirm numerous times, to no avail. Just in the past 2 months, XXXX has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, XXXX raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted XXXX by phone to begin a new dispute, but rather than properly erase the information, XXXX deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S code 1682 c-2, a consumer reporting agency shall block the reporting of my information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, no later than 4 business days after the day receipt. You are a violation of this law because I am a victim of identify theft! Please delete these items INMEDIATLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

the are accounts on my credit report that are not accurate and the credit reporting agency refuse to verify and/or remove these accounts from my record and they are giving out solicitors my information to contact me.
Product: Debt collection

I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fist of off these accounts arnet mines and when i call the XXXX XXXX department they act as tho they dont know what XXXX talking about. I asked for proof of the accounts and they have yet to provide me proof that these are accurate yet they keep telling XXXX Equifax and XXXX that they can vaildate it. They are lying and reporting all kinds of information that cant be factual because if so they would have no issues reporting the same FACTS to each company US DEPT ED ACCOUNT NUMBER XXXX When looking at this account, I noticed that it has inaccurate late payments reporting. Not only are there incorrect late payments but the open date, last reported date, and payment status, comments and last active dates all vary between the 3 bureaus ( XXXX, XXXX, and Equifax ). The late payments automatically start at 120 days ... how is that possible? How can a payment be 120 days late in a row? Its 31 days in a month max and the high limit and amount for the balance is different and wrong af
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to freeze my credit report online or phone and it does not work. I have an identity theft problem, and need it frozen asap.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, 

I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act (FCRA) and XXXX XXXX compliancy requirements. 
The inaccurate entry is as follows: 
Acct Name: XXXX XXXX XXXX Account # XXXX  Date of Charge-Off: XXXX  
Acct Name: XXXX XXXX XXXX XXXX Acct #XXXX  
Date of Charge-Off: XXXX 
Acct Name: XXXX XXXX XXXX 
Acct #XXXX  Date Of Charge-Off: XXXX
Acct Name: XXXX XXXX XXXX  Acct #XXXX  
Date Of Charge-Off: XXXX 

I dispute this entry on the following grounds: 1. Reporting INACCURACIES : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 2. Lack of Notification: The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 3. XXXX XXXX  Compliance: The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

FURTHERMORE FOR THE XXXX  ACCOUNT I WOULD LIKE YOU TO KNOW THAT I WAS MADE AWARE OF ADMINISTRATIVE PROCEEDING File No. XXXX XXXX WHERE CONSUMER FINANCIAL PROTECTION BUREAU SETTLED WITH SANTANDER CONSUMER USA INC. FOR CREDIT REPORT VIOLATIONS IN CONNECTION WITH ITS AUTO LOANS. 

https://www.consumerfinance.govXXXX


Yours Truly, 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts that are reported by Illinois Department of Family Health. This department constantly reports inaccurate information on my credit report. Due to Illinois Department of Family Health 's failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. 

This is directly affecting my credit report making it impossible to obtain credit. The violations committed against me are : 1. Illinois Department of Family Services supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late. * Illinois Department of Family Services marks major derogatory marks, even though payments are being made. * Illinois Department of Family Services has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX. 
2. Illinois Department of Family Services does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and Illinois Department of Family Health still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law. After I sent these dispute to both the Illinois Department of Family Services, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. 

I have disputed this information with XXXX, XXXX, and Experian. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the Illinois Department of Family Services.
Product: Credit card or prepaid card

Both mine and husbands credit cards from Comenity Sony was stolen and over {$1000.00} of was charged onto the account from XXXX. 

We did not make these charges and I called Comenity on XX/XX/15. The fraudulent charges were still posted to my account even though we did not make them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accountname Accountaddress XX/XX/2022 To whom it may concern, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 .As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable XXXX XXXX, illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX and Transunion. I did not grant XXXX XXXX XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, Iam invoking specified remedy and make the following demands : -Cease and desist reporting of the account name filings to all consumer reporting agencies.

-Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

I purchased a indoor security camera from Sams Club online and it was " defective '' ( did not work, would not connect to WiFi ). So I spoke with a rep and I returned the merchandise via XXXX XXXX as required, and they still have not credited my Sams Club credit card for the amount of {$100.00} as of todays date, XX/XX/2022. ( see attachments ) of chat with a Sams Club representative and other pertinent information regarding the purchase of the merchandise. I provided proof of delivery return ( see attachment ( XXXX ). I want the refund " Due me ''.
Product: Debt collection

At the time I accrued this original debt, I was also receiving other medical bills for the same health issue. Unfortunately, this one fell to the wayside and I forgot it existed. I havent heard from the original healthcare provider in months, so I wasnt aware my bill was about to be sent to collectors. Upon receiving a bill from the collection agency, I attempted to set up a payment plan that I could afford and would take 4 months to pay off. The agency refuses to accept this, despite the fact I cant afford to pay more and am making an earnest effort to pay the bill. What are my options?
Product: Checking or savings account

Capital one has withheld deposits from millions of people starting the XXXX of XX/XX/XXXX, and has only sent out one email of the problem at XXXX on Thursday, XX/XX/XXXX stating that the problem would be fixed by Friday, XX/XX/XXXX morning. It is now XXXX on Friday XX/XX/XXXX and I still dont have my deposit that my employer has issued out for the hours that I WORKED. 
There is bills to paid, gas to be out and we are being left HUNG DRY with minimal to none communication efforts. Mind you this is a holiday weekend and millions of people are living paycheck to paycheck.
Product: Bank account or service

When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.
Product: Credit reporting or other personal consumer reports

Hello, I need help with my credit please I have been trying to reach out to XXXX, Experian and XXXX and I can't even get thru to anyone on the phone. It all started in XXXX  when I was trying to get a loan, and I got denied for my credit that I never use. So, I pulled my report, and I saw a lot of addresses and phone numbers my names were all over the place. I have been sent personal information update letters and it was all 3 bureaus never sent me anything. So, I started the process in XXXX XXXX and I restarted it all over again by sending disputer letters everything that I can think of. I can't even I identify Myself something is wrong. but I am the real XXXX. How can someone just take over my credit and I can't do nothing about it. Oh and they inquiries is thru the roof
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 Account # 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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPEN ACCOUNT STATUS HARD INQUIRIES
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 None of these account belong to me please remove from my credit report immediately!! thank you
Product: Debt collection

I have responded to the first notice from Optimum Outcomes and provided them with copies of canceled checks showing the account was current and had been paid in full. I have repeatedly asked them to not call me that the number they had was also a business number, the owner of that number has told them not to call but they have ignored the request and continuously call. They will not leave me alone even after proving the debt was not owed.
Product: Mortgage

I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.
Product: Credit reporting or other personal consumer reports

I am submitting to you for the XXXX time, serving both as a complaint and a follow-up concerning my upcoming credit report update within the next 15 days. This issue was initially raised in my complaint dated XX/XX/XXXX. As outlined in my previous correspondence, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are mandated to remove any items not later than 4 business days after XX/XX/XXXX, as per the details listed in ID THEFT REPORT # XXXX. Regrettably, this matter persists, and I am reiterating it here for your attention. The following items require immediate removal : 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

I paid my bill and requested cancellation of service in XXXX of 2020. Somehow the Company was still charging my account. I had no knowledge because I wasnt watching television to keep track of how long it had been happening. In XX/XX/2020 I returned all equipment to the company that wouldve been a fee if it wasnt returned. The delay was due to a busy schedule. But all of the equipment was returned. Im not sure why the Company wishes to go against the dispute but I refuse to allow them to force me to pay by messing with my credit for debt thats not owed.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. These inquiries appear to be the result of the XXXX data breach and a lack of proper follow-up and verification by Experian. I seek your assistance in addressing this matter and ensuring that my consumer rights are upheld. 

The specific details are as follows : Credit Reporting Agency Involved : Experian XXXX Issue : Unauthorized hard inquiries related to the XXXX XXXX breach Request : Removal of these inquiries from my credit report The XXXX XXXX breach compromised sensitive personal information, leaving many consumers vulnerable to unauthorized actions, including unapproved credit inquiries. I believe the hard inquiries on my credit report are a direct result of this breach. Despite reaching out to Experian to dispute these inquiries, I have not received adequate follow-up or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized items on my credit report and expect prompt investigation and correction. As part of this request, I am asking the CFPB to : Investigate the circumstances under which these hard inquiries were placed on my credit report. 

Require Experian and XXXX to provide evidence of my authorization for each hard inquiry. 

Remove any inquiries for which authorization can not be verified. 

Attached to this letter, I have included documentation to support my claim, including : Identity theft report and I have documentation of me reaching out to both credit bureaus. 

I respectfully request that the CFPB ensure Experian and XXXX complies with federal regulations to address this issue promptly. These hard inquiries negatively impact my credit score and financial well-being, and their removal is necessary to restore the accuracy of my credit report.

Please confirm receipt of this dispute letter and provide updates on the status of your investigation. I am available to provide additional information or documentation as needed to assist in resolving this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take the necessary steps to protect consumers and ensure a fair resolution.
Product: Debt collection

This company or person calls repeatedly, does not say what it is, who they are trying to contact or anything. I researched by phone number and it appears to be a collection agency. I do not have any errant debt, all credit cards and vehicle loan is 100 % current on payments, every month. I even pay ahead, like 4 months ahead on car loan so no clue what on earth these people are doing. I suspect they have a wrong number but they won't listen just insist they are right, amd badger rudely, but won't state who they are wanting to speak to! I smell a scam here. I'm not falling for this pack of lies from some unknown company.
Product: Vehicle loan or lease

I was a co signer for a auto loan and the vehicle was bought back by the dealership due to malfunction the bank loan was bought from bank but they do not want acknowledge it and they are reporting on my credit report charges off bad debt I have disputed this several times and they won't correct it I have spoke to them by phone and they won't correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX - # XXXX JXXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.