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

XXXX XXXX handled my medical emergency with no consideration. After applying for mortgage help due to covid and XXXX related medical emergency, XXXX XXXX approved my assistance then decided to report my mortgage as late for the current and following month. Additionally, XXXX XXXX decided to report my mortgage late for XXXX concurrent months due to their inability to report accurately mid-month. I was told although my mortgage assistance was approved before this late reporting, they still had to report it inaccurately late because of limitations they have on reporting. Why should I receive an extra late because of Loan deports system limitations?
Product: Debt collection

This is Debt is not mine nor did I authorize this. I have a perfect history of paying debt on time. This is only debt on my credit that does not belong to me and it is reporting negatively. I am very disappointed this is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently having an issue with Preferred Credit. I called them back in XXXX to find out what this account was for. They informed me that though it was for an old vacuum, they were not collecting this debt. When I asked why there is a balance and why it is even on my credit report, they couldn't tell me. The representative spoke to a supervisor and then told me they had nothing to do with this account anymore and it was sent back to the distributor. I even spoke to the supervisor myself and they told me the same. I then disputed the account with the credit bureaus. I never received a response from the credit bureaus or Preferred Credit. I checked up on  my credit again at the beginning of XXXX and the account IS STILL THERE AND STILL HAS A BALANCE. Credit reporting IS an attempt to collect so Preferred Credit should have removed this account.
Product: Credit reporting or other personal consumer reports

On previous complaint the wrong date XX/XX/2023 is listed the date of the late payment should have been XX/XX/2023 instead. Corrected date on the letter.
Product: Credit reporting or other personal consumer reports

Credit Acceptance has not fully acknowledged its predatory lending practices and harassment tactics concerning fraudulent reporting missed payments on credit reports. Credit acceptance has been paid by my insurance company and they themselves have made a settlement toward the balance of the vehicle along with a gap insurance settlement toward the XXXX XXXX book appraisal of the vehicle. Rendering it paid off, how ever credit acceptance continues to come after me for the interest on the vehicle. Currently they are seeking {$950.00} dollars from me in settlement, which is a 80 % discount from what they are reporting to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute letters to the three credit agencies XXXX, XXXX, and Experian to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.
Product: Debt collection

I have received calls from Sunrise concerning a bill with XXXX XXXX for services I never signed up for. I asked Sunrise for debt verification on two separate occasions on a recorded line and have yet to receive it. I have asked them not to contact me until they do. I have been a XXXX XXXX customer for years and have no need for XXXX XXXX. I plan to hire a credit protection attorney to look into this matter. I have asked for any contracts, signed work orders, receipts, or notes agreeing to pay for their services. This is not my account and the address they have on file is a rental home and is not my legal address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted to TransUnion two disputes involving XXXX XXXX. XXXX XXXX XXXX XXXX is incorrectly reporting an account with TransUnion and I provided documentation and full credit reports to display the inaccuracies and request deletion. I also disputed a XXXX XXXX credit card that was incorrectly reporting late payments which I requested to be changed to paid as agreed. I also included payment verification from my bank proving I was on time. I pulled my credit report today after learning they completed their investigation. TransUnion says they did an investigation of my claims in both cases. In the case of XXXX XXXX XXXX XXXX they suppressed the information in the dispute but did not delete the file as requested so the balance reflected as the high balance is still wrong. In the case of the XXXX XXXX Bank account they did not fix the late payments. They have not fulfilled their obligations under the Fair Credit Reporting Act so I am filing a complaint. Thanks XXXX XXXX
Product: Debt collection

Keep calling my family looking to talk to me. Calling me several times a day and when I ask what about they refuse to tell me then tell me that they are suing me. I asked for validation for debt but refused to get me the information. They still wont tell me what the account even is so I am not sure if its even mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Inquires on my credit report that i did not authorize and experian and XXXX  refuse to respond or adhere to the laws mandated
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment.

To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW!

Delinquency due to natural or declared disaster.

Delinquency due to extended unemployment.

Delinquency due to job layoff.

Delinquency due to divorce proceedings.

Bankruptcy due to medical bills.

I suffered bankruptcy due to business while I was self-employed.

Bankruptcy due to business failure.

Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, Experian and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. 
Please see my attached later. 
I am seeking damages for my consumer rights violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - need to remove bankruptcy from my account. I sent them everything they needed and I didnt get anything back. 

XXXX. Needs to open my account. They have my mortgage as paid off. Its not I make payments. I sent all the information on another complaint. 

XXXX  Equifax XXXX all show my account closed. 

I cant use the XXXX boost because I have extra security on my bank account because of ID Theft Please help. Im working really hard to settle all of this.
Product: Checking or savings account

Wells Fargo offered remedy payment amounts of {$3700.00} as well as subsequently, {$500.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. No payments were received, I have since moved from my address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Any payments sent to old address would not be received, prior Wells Fargo reps try to claim a check was cashed when it was not received. I moved from this address several months ago in XXXX, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX Prior Wells Fargo reps referred back to prior CFPB replies which do not address issue of non-receipt of payments. Also, a mediation agreement is referred to, sent to old address, not received or signed by myself.. The last Wells Fargo rep simply referred back to prior CFPB replies which again, do not address issue of non-receipt of payments.. Further, the amounts of {$3700.00} and {$500.00} do not cover damages sustained to this date including inability to open accounts with other financial institutions due to these fraudulent accounts. If Wells Fargo would like to offer a reasonable settlement amount, I am open to it. If not, complaints will continue to be filed as they have been. I request a reasonable settlement offer which includes payments mentioned above which were never received.
Product: Credit card or prepaid card

I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to show my credit history for the past 2 months, Ive been working with my loan office to get them to show my credit history. We have tried all other options but they ( Equifax ) refuse to do anything about it.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, you are required to delete any inaccurately reported accounts from my credit report. Please review the documents because some accounts have discrepancies in the reported amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Reporting Company, I, XXXX XXXX XXXX XXXX, hereby, request the removal of inaccurate information from my credit report, all previous addresses, all aliases, all phone numbers, and old workplaces. I am afraid to be susceptible to a theft of identity. Therefore, I request you correct my personal information such as First Name, Last Name, Current residence address, phone number, and current work information in your Database. They must be current and only contain accurate information. 

Please find included copies of my identity supporting my request to update my personal information in your Database. 

Thank You.
Product: Debt collection

I XXXX XXXX contacted XXXX XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX1st progress and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and XXXX XXXX XXXX denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because XXXX XXXX XXXX denied me of my rights. 1st progress # XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but XXXX XXXX and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )
Product: Debt collection

Do not owe Credit collection Services a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations. They can not validate with my signature that I have a contract with them or anyone else for that matter. I sent a certified letter asking for validation and they can not provide it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my credit report and there are several inquires that do did not have my permission to be on my report. These hard inquires are hurting me from being approved. I have already reached out to Transunion, XXXX and XXXX multiple times they keep violating my rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/HARD INQUIRE on XXXX credit Report is XXXX  XX/XX/XXXX, On XXXX Credit Report there are XXXX hard inquires listed that need removed are XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX . On Transunion credit Report there are XXXX Hard Inquires listed 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 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX has violated my rights and these hard inquires need removed immediately. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX  XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$46000.00} XXXX - XXXX  - XX/XX/XXXX - {$210.00} XXXX - XXXX  - XX/XX/XXXX - {$10000.00} Hard Inquiries XXXX Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX  - XX/XX/XXXX
Product: Student loan

They want an over abundance of money. When they talked about a income driven plan, last year ( 2015 ), I sent paper work in and they said I owed nothing. Nothing has changed with my income or amount of children or anything and now they want payments even with the same income driven plan. It seems like they always switch things up. No one is on the same page, it 's always something different every time you calll them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection/chargeoff on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  XXXX agreed to a pay-to-delete which they have not honored. I paid this account and was told by the representative with XXXX XXXX that once this account was paid that they would remove the negative item showing on my credit report. This deletion has not been completed and I request this item be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX multiple times to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX , XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX date of inquiry : XX/XX/XXXX Equifax Incorrect address : XXXX XXXX XXXX XXXX XXXX, NY XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

unauthorized inquiry : XXXX date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the child support account reported on my credit report, as it is inaccurate, unverifiable, and does not comply with the legal requirements for accurate reporting under the Fair Credit Reporting Act ( FCRA ). Additionally, I am challenging the legitimacy of this account on the grounds that proper legal steps, including the establishment of paternity, were not followed as required under state and federal laws.