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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. XXXX XXXX CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

My husband was unexpectedly hospitalized and unable to work and we fell behind on our mortgage payments. Just 1 ( one ) month behind. I contacted PennyMac to say we were just a little behind and trying to get caught up and their representative XXXX told me about loan modification. He said we'd be able to miss up to 6 payments to get caught up and the length/term of our loan would be extended accordingly. We filled out all the necessary paperwork and waited - this week we found out we are approved for a modification. PennyMac 's terms, however, are very different than were described to us in the beginning. Yes, we'd be allowed to miss 2 ( two ) payments, however the length of our loan would not be extended. Instead, when our payments resume in XXXX, our monthly payment would be {$90.00} more per month *for the duration of our loan* AND they'd raise the interest rate on our loan as well. If we agree to this, we'd be agreeing to increase what we pay to PennyMac over $ XXXX over the life of our loan. This is clearly fraud - a bait and switch. We were offered a reprieve to catch up on bills and instead now being shown terms that can only be described as predatory. We owe way less on our home than it's worth - this is obviously just a tactic used by PennyMac to force people into foreclosure for PennyMac 's financial gain.
Product: Debt collection

I am getting calls from XXXX XXXX from Williams and Fudge. She is repeated calling from a disguised number, harassing my family members, and calling my job. I am sure this is a scam of some sort as I do not owe any back bills and they refuse to provide me with written information. 

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

XXXX XXXX XXXX  XXXX  account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. XXXX XXXX XXXX XXXX account is VIOLATING The HIPPA Acts of XXXX by providing and disclosing personal information to XXXX & TRANSUNION. This is a violation of my consumer right to privacy by having XXXX XXXX XXXX listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.
Product: Consumer Loan

I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes Equifax, XXXX or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but XXXX and Experian did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
Product: Credit card

Today XX/XX/year> I requested in writing via support chat that they refund my overpayment on my Apple Card ( {$500.00} ) to a different account but they told me it would take 8-10 days to look into it. 

The law states that they have to refund me within 7 days.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address the erroneous reporting of accounts in my consumer report. I want to emphasize that I never provided written consent for the inclusion of these accounts. Consequently, I firmly believe that my rights under 15 USC 1681b have been violated. This breach pertains to safeguarding consumer information and the necessity of obtaining consent before its reporting. 

I have previously lodged a complaint with the Federal Trade Commission ( FTC ) and have been allocated a reference number : XXXX. Despite my efforts to have these items removed from my report, I have received unsolicited documents from the creditor, indicating a lack of cooperation. My grievance is specifically directed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are obligated to swiftly block the reporting of any information that consumers identify as originating from suspected identity theft. I respectfully urge you to adhere to this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Original Creditors : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX I expect these accounts to be removed in accordance with the timeframe mandated by law, no later than four business days following your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incorrect Inquiries : XACTUS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I would like to re-address this complain because the law firm Zwicker and associates has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the XXXX Court of the XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from zwicker and associates regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because zwicker and associates have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from XXXX. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact zwicker and associates to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact XXXX and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with Zwicker and associates in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Transunion and XXXX credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Transunion and XXXX  has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. XXXX  sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON EXPERIAN AND XXXX   CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to XXXX and Experian was sufficient proof of the re-aging and EXPERIAN AND XXXXXX/XX/XXXX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM EXPERIAN, XXXX  AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX  XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Product: Debt collection

I tried to resolve this situation with each company on XX/XX/scrub> XXXX XXXX asking each company to remove these items from my credit report, which I am not responsible for. I was also affected by the data breach with the credit bureaus, and these agencies are violating your consumer rights by using false, misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!
Product: Credit reporting or other personal consumer reports

I do not have an account with your company. Any inquiries have been unauthirized. 

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 

I am writing to dispute the inquiries and ask for their removal from my credit report because I did not request them. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Loan # XXXX I have been consistently making payments for these XXXX loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold 1 loan # XXXX, to XXXXXXXX XXXX XXXXe apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX XXXXnd they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX point only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Product: Debt collection

Phoenix recovery group has been reporting to all credit agencies that I owe & XXXX and {$5200.00} to Phoenix recovery group. I have requested that Phoenix recovery group provide documentation bearing my signature that I have or had an obligation or contractual agreement to pay Phoenix recovery group for the alleged amount they claim I owe. To this day I have not received documentation. They have been reporting this to credit agencies since XXXX I believe they have me confused with someone else. My name is XXXX XXXX XXXX. The attached documents says XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft on my credit report with Experian. I supplied all of the documents necessary and Experian refuses to remove the account. The creditor is XXXX and they are currently reporting a charge off with a balance. They have sold the debt to a collection agency and by law once the account was sold, they can no longer report a balance. Not only that but, this notification of identity theft additionally precludes XXXX from selling, transferring, or placing the debt for collection with any other party, pursuant to the provisions of FCRA 615 ( f ). They are in violation all across the board. I have reach out to legal counsel and my next step is to sue Experian and XXXX. They are ruining my life. I want this account removed and I will not accept a generic response for me to send in all of this info again. I have several copies of my report. I dont need another one and Ive sent it in over 5 times. Either they remove it or I sue for damages at this point.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX to get veneers put on my four front teeth. They prepped my teeth and fitted me with temporary veneers ( that are meant to last 2-3 weeks MAX ). I made an appointment for two weeks out and pre-paid for the rest of my procedure. I had previously already paid for the temporary veneers and prep-work. 

XXXX XXXX XXXX XXXX ended up cancelling my appointment due to COVID. I attempted to reschedule over the next 2-3 weeks and they did not answer their phone regardless of what time/day I called. I went to another dentist who told me if I did not get permanent veneers soon, the prepped teeth will begin to rot and I could lose those teeth completely. I went to a third dentist for a 3rd opinion and he agreed. 

I ended up getting the work done at another dentist ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and they completed the work. I paid them {$4500.00} for the work. I attempted to call XXXX XXXX several times to cancel as they were not able to do the work within a reasonable time-frame after payment. They never returned my calls so I had my bank cancel the check I had written to them. 

They never performed the service they are attempting to collect for and delaying treatment ended up costing me more money ( I had to pay more for another dentist to fix their work than I initially would have in the first place ). 

I've attached a credit card statement showing that I paid a different dentist completely ( XXXXXXXX XXXX  ) for this service and that I ended up paying close to {$2000.00} more than I would have had XXXX XXXX honored their side of our agreement to do my dental work. 

This collection company also served me a notice that appeared to be a lawsuit in the state of CO. However, after calling the court system on the notice I was " served '' I learned that no lawsuit has been filed. This is incredibly predatory to have fake lawsuit documentation and brought to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX and XXXX XXXX account # XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

Hello, I have an auto loan # :  XXXX  with  Fifth Third Bank ( 53.com. )  On  XXXX   XXXX  I realized by checking my account on line that on  XXXX   XXXX  this lender added  XXXX  charges of {$840.00} each, this as they stated was for the insurance coverage, which according to them I never had. This is the second time that this bank did the same to me ; the previous time was on  XXXX   XXXX .   On Monday  XXXX   XXXX   XXXX , I calle d Fifth Third Ban k loan department and they informed me they do hire a company that check insurances on cars called,   XXXX   XXXX    XXXX   XXXX   XXXX . When I called  XXXX   XXXX  to number  XXXX  a representative from this institution name  XXXX  told me that she was not fully sure that they had enough information about my insurance situation, but when they are in doubt they just informed that to lenders, since proof of insurance can not be proofed they assumed the car does not have insurance, then in this situation they had to report it  to Fifth Third Ba nk. This is an unfair way of doing business because affects consumers.   Last year on  XXXX   XXXX  when this same issue happened I updated my home address, and today  XXXX   XXXX  when I talked to Representative  XXXX   XXXX  from the loan department, she stated that still the database shows my old address and that never got updated. Due to this issue the letter requesting proof of insurance this year was never sent to the right address, therefore I got never informed of such request. This bank is engaging in unfair practices in prejudice to consumers. Also the agreement I signed with the dealership has different rate and at the time I am paying 0.14 % more.    XXXX   XXXX   XXXX , I emailed my proof of insurance to representative  XXXX   XXXX  to email :  XXXX  XXXX  XXXX , also expressed my concern about the rate difference, she stated that when my email is received do not expect a response because it may take some time to do research.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consumer refusal to remove loan or take decision responsibility for despite AGO judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. 

Please see official statement and documentation send to the AGO.
Product: Debt collection

i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.
Product: Credit reporting or other personal consumer reports

Sent over detailed information circled with updated credit report XXXX has ignored all fcra laws including 15 U.S. Code 1681e ( b ) Maximum Possible Accuracy of report. I have mailed in countless disputes with errors highlighted as this has affected my personal life from this companies lack of responsibility to handle my file as a consumer. As we all know the banking system is dependent upon 15 U.S. Code 1681 ( a ) I would like this information removed from my file at once as it has affected me personally for to long. XXXX has not done accurate research or sent proof of how they received this information which was not verified. We will be reaching out to cfpb and CFPB Ombudsman to make sure our request are handled properly.