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

I have submitted numerous letters to XXXX XXXX, Experian and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.
Product: Debt collection

I went to the XXXX. I spent 15 mins with him in his office. He was in network and the insurance company paid him {$750.00} and I paid my copay and out of pocket of {$95.00}. He is trying to collect {$1200.00} forfor almost doing nothing. He labeled the procedure pre operation which is false. They want me to pay the difference in what the insurance did not pay plus my copay. I refuse to because I was in network. They think they can charge whatever they want and collect it. Almost {$900.00} for 15 mins of work is plenty enough without trying to get more out of me just because they think they can.
Product: Credit reporting

One of the addresses on my report ( XXXX XXXX XXXX XXXX, KY XXXX ) is incorrect. I do not reside there, nor have I ever lived anywhere near KY. Please see report attached, and have it removed ASAP!
Product: Debt collection

The debt collector CONVERGENT OUTSOURCING opened a collection account in XXXXXXXX XXXX XXXX XXXXXXXX, this account was closed in XX/XX/XXXX due to XXXX mobile processing and charging fraudulent fees for the second time ( the first time was on for over {$600.00} which were withdrawn from my bank account ). XXXX XXXX continued to issue statements which I was never sent until XXXXXXXX XXXX XXXXXXXX with various and inconsistent charges. Even at this time when I try to access the statements an error occurs on the website. There was no usage of the account/lines during that time, I do see some phone calls and messages that I suspect were place by XXXX XXXX themselves as the phones were turned off when the account was closed. Credits were due which were supposed to finish paying for the equipments but none of this happened. 
The debt collection agency never contacted me, I was made aware of this collection upon reviewing my credit report. 

I live in North Carolina, and under General Statutes 58-70-115 ( 4 ). Unfair practices.

The debt collection agency was issuing false threats and claims as the statute of limitations had expired and they were not allowed to sue, under this same statute any attempt to collect this debt was barred due to the statute of limitations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have requested by mail numbers times that XXXX, Innovis, and XXXX provide me the information they have on file for me. I still have not received this report.
Product: Debt collection

I have never needed nor have i ever took out any type of loan for an education. I didn't even go to school after high school. This is not my debt. There is no reason to try to collect a debt from me, because my credit report is clean, except this and i don't owe any companies money, or in collection status. This is not my debt. Remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XXXX my XXXX XXXX was stolen from my driveway while I was away for business. I filed a police report and made a claim with my insurance company XXXX. My car was deemed a total loss after law enforcement and the insurance company investigation. The lienholder Bridgecrest was made aware of the vehicle being a total loss. On XX/XX/2023 XXXX sent a check to Bridgecrest for {$21000.00}. I spoke with Bridgecrest in XXXX about a week after the check was mailed. They confirmed they had the check but needed to speak with XXXX. I made contact with my agent from XXXX, XXXX XXXX ( XXXX ) XXXX who said she would speak with Bridgecrest. XXXX XXXX confirmed with me about ( 2 ) days later she had spoken with Bridgecrest. I then called Bridgecrest again ( towards the end of XXXX ) and they still refused to deposit the check to my account. By this time they have listed my account 60 days negative to all credit bureaus. 

I attempted to dispute this with the bureaus but they all ruled in favor of Bridgcrest and informed me to open a claim with you. I have tried working with the lienholder but every time I call I get a different lie on why they have not applied the check towards my car. My credit score has dropped over XXXX  points and now showing 90 days passed due. This has caused me denials with recent credit transitions and my current job is now reviewing my credit. 

I've attached what XXXX shared with me as proof of payment.
Product: Payday loan, title loan, or personal loan

I paid off a line of credit with Citizens One on XXXX via phone and requested my account be closed. I called again on XXXX as account had not been closed and was told I needed to call back 30 days from payoff date to request. I called on XXXX and again requested the account be closed and was assured I would receive an e-mail confirmation within a week. I called yet again on XXXX as the account still remains open and was told a supervisor was now involved and expediting my request and that I should receive an e-mail confirmation within a week once the account was closed. As of today, XXXX the account has not been closed. PLEASE HELP ME CLOSE THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!!

Equifax needs to remove this items.

XXXX  needs to confirm they have removed them.
Product: Mortgage

I have been trying to resolve the issue of insurance charges to my account for over  six months. There is a escrow account attached to my account that should have never been   established I have provided proof of private insurance and certificate of liability insurance from  XXXX   XXXX   XXXX  to certify that the policy of insurance in respect to my property.     I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!!     My account needs to be adjusted and the fees to be reversed and credit back to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX Credit Card I have XXXX credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXX of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized credit inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. These inquiries were made without my explicit written consent or legitimate business purpose. 

Below are the details of the disputed inquiries : XXXX. XXXX * Inquiry Date : XX/XX/XXXX * Business Type : Home Furnishings XXXX XXXX XXXX XXXX XXXX * Inquiry Date : XX/XX/XXXX * Business Type : Mortgage Reporters XXXX. XXXX XXXX * Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX * Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX XXXX * Inquiry Date : XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX XXXX XXXX * Inquiry Date : XX/XX/XXXX * Business Type : XXXX  XXXX XXXX Under the FCRA, credit inquiries must have permissible purpose and written authorization. I request that these unauthorized inquiries be removed immediately from my credit report. Please provide written confirmation of the removal. 
Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.
Product: Checking or savings account

Today, XX/XX/year> i was informed by Chase that my relationship has ended and that all my accounts are closed and all my cards were closed as well. I will received a check in 10 business days after final closure is processed by the system. 

I went to branch and could not be assisted. I was told that the bank reserve the right to close my accounts at any time for any reason and not tell me why. I asked for a speedy check delivery and was told that it was not an option. 

I transferred money from one checking to another to pay my rent and car insurance and received confirmation and it was rejected by the bank, I also paid tag registration and phone bill after this and it processed. I NEED to pay my rent or I will be evicted. 

THIS IS MY LIFE... WHY IS THIS HAPPENING? 

I live a boring life. Im an XXXX XXXXXXXX XXXX XXXX XXXX XXXX I pay my bills and sit down. I was a formal bank employer with XXXX XXXX and XXXX XXXX XXXX and a few credit unions. I never seen someone get their accounts closed without a conversation. I bank with Chase for over 10 years i believe. they just ended with me. All my auto withdrawal and direct deposit are up in the air.
Product: Credit card or prepaid card

I was vitim of identity theft. my Capital one Credit card was stolen from mail and used at a store during COVID 19 lockdown XXXX XXXX when I found out, I contacted Capital one immediately and disputed the charges. {$3400.00} initially they accepted that but then they rejected since whoever stole my card had the actual card and used it as a chip card. I have a police report aswell, and I was able to identify the fraud people, but Capital one still bills me for the charges.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX  XXXX, XXXX, XXXX XXXX
Product: Mortgage

Multiple issues : LoanCare, a XXXX company which services my home loan failed to provide proper notice and disclosures when they placed their own insurance coverage on my home loan. 

Second, and a more alarming issue is the insurance they placed on my home without proper disclosure has the same coverage I pay for on my own, and there was XXXX % + more per month than my insurance. The insurance company LoanCare chose, and the XXXX times higher than market rate home owners insurance premium resulted in an unnecessary burden on my family. 

If I am experiencing this, this means there are many others out there harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXXXXXX  XXXX  XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$780.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I was a victim of identity theft. There is inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX SXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Southwest Credit Systems agreed to delete a collection account for The XXXX XXXX XXXX XXXX once payment was received. The payment was made and Southwest Credit systems updated the balance but did not deleted the account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to get clarification on these latest reported derogatory items on my credit report which was furnished by the three major consumer reporting agencies. I firmly believe that accurate and fair credit reporting is critical for the banking system to work well. If credit reports have mistakes, it can make the banking system less efficient. Unfair ways of reporting credit information can also harm public confidence, which is necessary for the banking system to keep functioning properly. 

Thus, XXXX respectfully asking you to critically check the accuracy of these accounts below and kindly delete the incorrect and erroneously furnished details on my files 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it is jeopardizing my character as a consumer. In addition these accounts are also affecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXXXXXX XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Student loan

For years, and years Ive had student loans under the XXXX program. Instead of getting paid down, they keep on increasing. Ive been paying since XXXX. I am also the founding executive director of two eligible non-profit institutions listed in the directory. One was founded in XXXX, and another in XXXX. Ive worked in service for 14 years. My loans are now listed as being eligible for forgiveness in XXXX ( 15 years from now ), after I make XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company moneylion about an account that was opened in my name. I explained to them that i never opened this account and that it was opening fraudulent. After a few days I received an email from moneylion that I am correct that this account was opened fraudulent. They also sent me an email stating the same.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.