23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Under 15 U.S. Code 1681s2 Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the responsibilities of data furnishers under 15 U.S. Code 1681s2, specifically regarding their obligation to provide accurate information.

It has come to my attention that Equifax has reported inaccurate information to XXXX XXXX 's Platform. Despite having actual knowledge of these inaccuracies. As outlined in the law, furnishers of information are prohibited from reporting information if they know or have reasonable cause to believe it is inaccurate. 

I have made several attempts to resolve this issue directly with Equifax. This situation not only affects my creditworthiness but also violates my rights as a consumer. 

I urge the CFPB to hold [ Equifax ] accountable under the provisions of the Fair Credit Reporting Act and to ensure that they are compliant with their responsibilities as data furnishers. Additionally, I would appreciate any guidance on further actions I can take to resolve this matter effectively. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance. 

Sincerely
Product: Debt collection

*Please note : I have all supporting documents but they exceed the allowed file size, please advise an alternative method to submit. 

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to RESURGENT CAPITAL RESOURCES, XXXX XXXX AND XXXX  XX/XX/2021, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. RESURGENT CAPITAL SERVICES, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE WELLS FARGO WAS PAID OFF YEARS AGO IN A BANKRUPTCY. THEY HAVE ON MY XXXX AND XXXX REPORTS CLOSED, XXXX BALANCE, AND CHARGE OFF IN REMARKS, THIS IS NOT A CHAREOFF AND THEY REFUSE TO REMOVE THAT REMARK. IT SHOULD BE PAID WITH XXXX BALANCE.
Product: Debt collection

I disputed this debt due to the belief that it was an account opened fraudently. I used XXXX XXXX to dispute ans was informed it was in fact disputed and it was taken off my credit report. Now it is back on my report.
Product: Mortgage

XX/XX/2019 - Received letter from XXXX XXXX XXXX ( current mortgagee ) that our loan was sold to PHH Mortgage Funding. In lieu of receiving any confirmation or instruction about our XXXX mortgage payment, it was sent via electronic bank transfer to XXXX XXXX XXXX as always, and they confirmed receipt on XX/XX/XXXX. On XX/XX/XXXX, PHH called to collect our XXXX payment. We informed them it had been sent to XXXX XXXX. 
They threatened me by saying if they don't get XXXX, they will report to the various credit agencies. The call was an intimidation attempt with an inference that I was lying to them with their threats of collection action. We have an XXXX credit rating and have never, ever been late on a payment. It is a recurring automatic bill payment. Subsequent to that call we learned from XXXX XXXX XXXX that our payment was forwarded to PHH on XXXX by wire transfer. On XX/XX/XXXX, we got another collection call from PHH. On XX/XX/XXXX a call to their customer service confirmed that our payment had not posted, nor could they confirm receipt. We were assured it will be posted by XX/XX/XXXX, and will not be assessed any late fees. They are making us feel like deadbeats due to their own internal inefficiencies. Their collection tactics and customer service falls way below the standard of mortgage business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further I have been sending letters to Experian and XXXX  and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX ( ORIG CREDITOR NAME : XXXXXXXX XXXX )
Product: Student loan

Throughout the last year I have attempted to login to my NAVIENT account and make payments, schedule payments and review accounts. My login information was inaccessible and I was unable to recover login info by my date of birth and social security number. Their system says there is no loan corresponding to my identification. My interest continues to grow and all representatives ive spoken with confirm over the phone that I have accounts but I am unable to access it.
Product: Checking or savings account

On XX/XX/XXXX I received an alert on my mobile phone saying {$500.00} were being drafted thru XXXX. I immediately contacted Wells Fargo Bank. They took down my statement - fraud against my savings account of {$500.00} thru their XXXX program. They sent me a letter XX/XX/2021 telling me the claim was closed and would be taking the {$500.00}. I then called them to dispute this charge once again. They further indicated that reason was because " other bank '' did not return the funds to Wells Fargo so I was stuck with the fraud. I do not appreciate it because someone committed this fraud. I did right thing by notifying Wells Fargo immediately. They failed to collect the funds that started with their online services XXXX. I demand a full refund {$500.00}. Thank you. I need to be made whole.
Product: Debt collection

I do not owe any medical debt whatsoever. 
Because my My medical Insurance covered 100 %. 
National Recovery Agency do not even disclose who is the Dr. when was the date and what treatment has been taken. 
So, it is nothing to do with me. 
Please stop and cease immediately fraudulent collection activity.
Product: Debt collection

The portfolio recovery sued me on unrecognized debt. I believe on debt under {$1000.00} but not on {$6500.00}. There is unjust judgment against me. I asked for documents but no one delivered it to me. Debts were disputed but as I said debt is not accurate. No one hear my voice. I am in an emergency situation and I need your help.
Product: Student loan

I am co signer on daughters loan and daughter is unable to pay and at this time I am also out of work and unable to pay. Wells Fargo Bank has been for the last six months day and night. I have now become ill and just out of hospital and can not take the strain of the constant calling. I have informed them of the ladder and that I am trying to pay but they just keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/XXXX social security number last four XXXX XXXX accordance with the Fair Credit Reporting act 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. 
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan. 
Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and they refuse to remove fraudulent and unauthorized inquiries causing negative damage to my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Transunion investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. 

According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Transunion has never investigated the account once the dispute was initiated. This is a violation of the FCRA.
Product: Checking or savings account

Cashapp sent a unauthorized amount of XXXX to another person. I have disputed this with flcashapp and asked why the money was deducted but it is not popping up in my transaction history. I filed a dispute with XXXX also and my claim was denied but not much info was given on why. Attached is a letter for the claim on decision
Product: Debt collection

Starting in XXXX, I began receiving numerous random phone calls from a similar area code as my phone with no messages. Finally on XX/XX/XXXX, I caught the call and encountered an aggressive conversation from Prince Parker & Associates, a debt collection firm, about an unpaid medical bill. Unaware of any outstanding debts I asked for additional information, hung up, and called the referenced physician 's office for additional information. At that point I discovered a previous treatment wasn't covered by insurance so there was an outstanding balance of {$590.00} which was immediately paid in full. Despite having email receipt of payment and confirmation from physician office, I continued to receive multiple daily, harassing, aggressive calls from Prince Parker & Associates for payment. I answered a couple calls and explained that I had XXXX balance, digital proof of payment and would like them to stop harassing me. Despite my insistence and XXXX balance, they continue to harass and ask for payment or threaten negative action. Please help.
Product: Credit card or prepaid card

Had multiple charges from a merchant called " XXXX '' brought this up to the attention of Apple card Goldman Sachs. They flagged the charges as fraud. few weeks later i received an email notifying me that the charges where found in the merchants favor. The merchant claims they have evidence that im associated with the address they have on file. I inquired to that evidence and Goldman Sachs was not able to produce any evidence. 

I believe this is gross negligence and breaches my rights under the Fairs Credit act.
Product: Checking or savings account

Key bank back office closed my 2 checking accounts on XX/XX/XXXX  which are active and have positive balanced, without informing me what so ever. They claimed to have mailed me checks to my balance along with the reason why they have closed my accounts. When I called customer service they kept pushing the responsibility to their back office which does not have phone number I can call. They refuse to reopen my accounts and told me to call a branch and open a new account and the supervisor on the phone says the branch will review to see if I would qualify for an account. I feel discriminated against and humiliated. The other manager said the bank will not  reopen my account because the back office had review my accounts and decided to not keep the relationship. I again am very upset that when I deposited {$100000.00} into the account they did not say such things. I have had my accounts for many years and I have set up many deposits going to these account and now they are causing me a lot of trouble to re route everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer ID # XXXX In my previous dispute with this XXXX  dated XX/XX/2019. XXXX  has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX  failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX  to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. 
-Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX  has failed to fulfill their responsibility and tried to push the burden on me. 
- Multiple FCRA violations Furthermore XXXX  has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the consumer.
Product: Student loan

I have 3 student loans with Navient, formally XXXX. As with all 3, Navient has put my accounts into forebearrance without my approval. They have also reported to all 3 Credit Bureaus as being " paid on time '' during these forebearrance months, then the following months reporting as " 90 days late '' and so forth.
Product: Debt collection

Oliphant received my first complaint with no remedy other than they're willing to work with me. There was no mention of inaccurate and expired information submitted to XXXX and how they plan to resolve it. 

Below is an excerpt of their previous response : Please allow this correspondence to serve as the formal response for Oliphant Financial , LLC ( Oliphant ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. Oliphant takes these complaints very seriously and we strive to ensure that we conduct business in a legal, professional, and courteous manner. Upon receiving the Consumer Financial Protection Bureau complaint, Oliphant immediately requested that the account be restricted, and the account details reviewed as they pertain to the allegations of the complaint.
Product: Vehicle loan or lease

The car was totaled. The insurance took a little time to pay off a portion of the vehicle. They called 15 times a day then I waited for gap to pay the additional portion of the loan and they continue to call and now theres a small portion that gap did not pay and theyre still calling 15 times a day.
Product: Mortgage

I have a mortgage and I requested a modification that was approved in XXXX 2015. I am filing a complaint because I believe that the terms are unfair and put me in a worse off position than I was. The terms are for 40 years and there is a huge deferred balance that is not explained that is due at the end of the loan. I am was not behind {$83000.00} which is the deferred amount. What is this, how was it calculated and how am I supposed to pay this new loan for 40 years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX # XXXX, has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding The XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit.

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for The XXXX XXXX Credit card ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with The XXXX XXXX Credit card ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I CO SIGNED FOR MY SON FOR THIS VEHICLE, HE LOST HIS JOB DO TO COVID TRIED TO SET UP A PAYMENT PLAN WITH CHASE BANK TO NO AVAILE. THEY THE THEN REPOSSED THE VEHICLE LEAVING A MARK ON MY CREDIT REPORT.
Product: Debt collection

At XXXX CDT I received a phone call from ( XXXX ) XXXX to my cell at ( XXXX ) XXXX. 

When I answered, the lady on the phone immediately asked for a " XXXX XXXX ''. I asked who she was/what company she was calling from, and instead of providing any identifying info, she once again asked for " XXXX XXXX ''. I then once again asked who was calling, and she only said " The Office of the XXXX '', seemingly to present as some sort of government agency/authority. The business is " Unified Global Solutions LLC '', not " The Office of the UGS ''. 

I immediately requested to not be called again, and instead of agreeing and ending the call, the debt collector continued to press for " XXXX XXXX '', becoming hostile and argumentative before ending with " It's ok, I'll just report this. '' When I called back to speak to someone, I was laughed at and told they're a law firm so they are not subject to the FDCPA.
Product: Vehicle loan or lease

I WAS UNDER THE IMPRESSION THAT XXXX KIA WAS PAYING OFF MY XXXX KIA XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX KIA XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 27 PLUS DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, THE DEALERSHIP WAS AWARE OF THIS ISSUE. 

IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX KIA WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. 

XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX KIA XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF. 

HOW IS IT FAIR TO ME AS A CONSUMER THAT I CARRY THE WEIGHT OF THE DEALERSHIP, THE FINANCE COMPANY, AND THE MANUFACTURE. 

THE MANUFACTURE OF KIA HAS FAILED TO UPDATE ME AS TO HOW THEY WERE GOING TO RECTIFY THE PROBLEM. VIN : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

How does my FICO score drop by 20 points when nothing has changed? I utilize my credit card much less and my FICO SINKS 20 POINTS! Experian need 's to get out of the credit reporting field as they are utilizing dated monitoring practices! You can sue credit reporting agencies and as a furnisher under the Fair Credit Reporting Act this nonsense must stop! Thirty point FICO SCORE DROPS FOR WHAT?? Dated reporting algorithm and not to mention lawsuits accuse these systems of reporters of not properly investigating disputes, despite laws and settlements about the issue dating back decades. They have paid to wipe the internet clean of these truths but OUR likes and shares will go a long ways to resolve these crimes. I want these credit algorithms modernized and I likewise want a full explanation as to how to prevent these errors - " we the people '' WORK VERY HARD TO KEEP OUR CREDIT STABLE AND WILL NOT ALLOW THESE PHONY MACHINES TO CONTINUE WREAKING HAVOC IN OUR FINANCIAL JOURNEYS! 

I have filed a formal complaint - this is horrific! 



The XXXX XXXX XXXX has received your complaint and we are currently reviewing it. For your reference your complaint ID number is XXXX.
Product: Credit reporting or other personal consumer reports

These accounts was open fraudulent without my consent please remove them from my credit reports. 


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 please remove all accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am taking action to dispute and investigate these wrongful reports on my credit file. Under the Fair Credit Report Act, I should receive {$1000.00} for each inaccurate report. I am aware that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.