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

XXXX XXXX XXXX XXXX : Account status : Open with exceptional payment history. 
Issue : Account shows 96 % utilization and does not accurately reflect my current payment status. 
Balance : {$190.00} as of XX/XX/XXXX. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Collections Accounts ) : XXXX XXXX XXXX : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX : {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX : {$790.00} past due as of XX/XX/XXXX. 
Issues : Inaccurate reporting of past due amounts. 
Incorrect status ( e.g., " charge-off '' ). 
Errors in the collections process. 

Additional Issue with XXXX XXXX  : XXXX XXXX XXXX is not registered to operate as a debt collector in my state, making their actions potentially unlawful. 

Request : Thorough investigation into XXXX XXXX legality to collect debt in my state. 

Requests to Experian and XXXX : Accurate account status for all accounts, particularly those marked as open/closed. 

Correction of payment histories and removal of incorrect late payment entries. 
Review and removal of incorrect collection accounts and balances that may have been inaccurately reported. 

Update credit utilization rates, especially for XXXX XXXX XXXX XXXX where balance/utilization may be misreported. 

Investigate XXXX XXXX legality to collect debt in my state, as they XXXX not be legally authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company RESIDENT VERIFY by XXXX DENIED my application to lease a TOWNHOUSE. Saying that I have a " EVICTION FILINGS & PUBLIC RECORDS '' I have NEVER been evicted. in fact I have lived in a house I've OWNED for over 10 YEARS!!!!!! THIS IS MY FIRST TIME IN OVER 10 YEARS applying for a rental property. NOR DO I HAVE ANY PUBLIC RECORDS ON FILE. WITH THAT BEING SAID. THIS ERROR ON MY RESIDENT VERIFY REPORT IS AFFECTING my living conditions a great deal! Please investigate this IMMEDIATELY.
Product: Credit reporting

I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!
Product: Credit reporting or other personal consumer reports

I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

XXXX XXXX XXXX is reporting inaccurate balances! 
Capital One is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to CAPITAL ONE XXXX is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to XXXX XXXX XXXX is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from XXXX XXXX making this all inaccurate information and inaccurate/fraudulent reporting
Product: Debt collection

On XX/XX/2022, I received 7 phone calls from Conn 's Furniture in regards to an existing loan with their company. They have done this in the past and I have repeated to multiple representatives to not contact me between the hours of XXXX Arizona time as I'm working and require my cellular device to communicate with clients. Since this occurred on a Friday, XXXX of my clients meetings were interrupted and I felt extremely harassed when the last phone call occurred at XXXX that day.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. XXXX XXXX : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX XXXX Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act convergent account # XXXX for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX, of XXXX XXXX, MD forced me to accept their insurance even though the car was completely insured prior to and after obtaining the loan. 
This increased the amount of the loan and in turn increased the amount of each payment that was owed, which ultimately let to my car being repossessed after missing two payments. 

The company that repossessed the car is called XXXX XXXX charges a flat fee of {$450.00} to return the car and they add a charge of {$25.00} per day to further deter someone from being able to retrieve their car. 

I had the money to pay the back amount owed to the loaner but not enough to pay the ever increasing amount of the company they used for repossession. 

This company uses very shady business practices. I showed them proof of my car insurance and they still added their own insurance to the car loan and increased my loan amount without my consent.
Product: Debt collection

hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found four months of a credit card statement from capital one that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a Capital one account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
Product: Debt collection

I recently sent a letter to National Credit Afjusters making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I come to you yet again in the hopes that you will actually do your jobs and hammer these XXXX XXXX XXXX XXXX credit bureaus. Sorry for the aggressive language but I am XXXX tired of having my life XXXX  because people don't do their jobs!!!! 

The Following collection Amounts were ALL PAID IN FULL OR SETTLED FOR DELETE. XXXX  AND TRANSUNION ESPECIALLY HAVE NOT UPDATED A XXXX THING. I AM TRYING TO GET A XXXX  XXXX MORTGAGE AND NEED IT DONE ASAP!!!!!! 

XXXX  XXXX {$120.00} paid in full for Delete XXXX XXXX. {$170.00} Paid in full for Delete XXXX XXXX. Original {$450.00} Settled for Delete XXXX. Was {$150.00}. Settled for Delete There should literally be NO COLLECTIONS on my reports anywhere anymore. I PAID AND OR SETTLED EVERY SINGLE ONE OF THEM FOR DELETE.!!!!!! GET THEM THE XXXX OFF NOW! PLEASE!!!!!!!!!!!!!!
Product: Checking or savings account

Recently Wells Fargo placed a hold on my accounts without providing a clear reason. They requested that I update my legal status documentation, which I submitted on time through their system. However, they failed to notice or acknowledge that I had uploaded the documents and still proceeded to place the hold on my account. 

Despite the hold, the account continues to accept deposits, including my work checks, but I am unable to access any of my funds. This has created significant financial strain, and I am unsure of how to resolve this issue effectively since the wells fargo representatives didnt give me any solutions, their only option is that I need to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/1982. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to clear up the errors made by XXXX XXXX XXXX on my credit report from the ( 3 ) bureaus ; Equifax, XXXX  and XXXX. I was notified by XXXX XXXX XXXX back in XX/XX/XXXX ; that they agreed to clear the late payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I again, notified XXXX XXXX XXXX, that the late payments are still open as >30 days and as agreed was not removed from the ( 3 ) Bureaus. I was then advised by XXXX XXXX XXXX on XX/XX/XXXX that, it is up to the Bureaus to correct and I should file a dispute with them individually. I have followed the guidelines and have followed up with the agencies with no resolve.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an inaccurate late payment reported on my XXXX XXXX account. I am disputing this entry under the Fair Credit Reporting Act, 15 U.S. Code 1681, which mandates that credit reporting agencies and furnishers of information ensure the maximum possible accuracy of consumer credit data. The reported late payment is incorrect and has caused financial and reputational harm, negatively affecting my creditworthiness. The late payment does not accurately reflect my payment history, and I am requesting that it be corrected to reflect the accurate status of my account. I want to clarify that I am not requesting the removal, deletion, or closure of my accountinstead, I am seeking an update that accurately reflects my payment record in full compliance with federal law. Due to this erroneous late payment, I have experienced unjustified denials for credit applications, increased interest rates on loans and credit lines, potential loss of favorable lending terms and financial opportunities, and unnecessary damage to my credit score, despite responsible financial behavior. This incorrect reporting violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer credit data. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or incomplete information to credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute incorrect information, and XXXX XXXX is legally required to conduct a proper reinvestigation within 30 days to ensure compliance. Furthermore, under 15 U.S.C.1681n, willful non-compliance with the FCRA may result in penalties of {$1000.00} per violation, and under 15 U.S.C. 1681o, negligent reporting practices also carry legal liability. I respectfully request the following actions : delete the inaccurate late payment entry and update my payment history to accurately reflect my account status, ensure my account remains open and active without any adverse impact on my credit profile, and provide written confirmation that the correction has been made and that my consumer report reflects the accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding an incorrect account listed on my account. The incorrect account balance is NOT listed on any other credit agency. The dispute comes back as verified by XXXX  XXXX XXXX ( the creditor ). I have never had nor have any credit card with XXXX. Furthermore, when the collection agency calls me to pay the debt, I give them my birthday, and they clearly state that it is not my debt. 

The confirmation number for my dispute is : XXXX I called XXXX  XXXX XXXX, and they state I do not have nor had a credit card account with them. After, I ask them why the verified the dispute, they claim they would not know without a 16 digit account number. The account numbers provided by Equifax in the dispute is only 12 digits, therefore, XXXX is unable to look it up. Even still, they state they can not help. 

This has been affecting my credit score. This is impacting my ability to get a mortgage because it drastically impacts my credit score. Neither Equifax, nor XXXX is willing to assist me. It's unfathomable that I have to be stuck in the middle trying to figure out this mess, while only I am detrimentally impacted by the negligence of these two companies. I am in limbo here, without any answers. It's disconcerting that these two companies do not have to answer to anyone for such XXXX  negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to have Nationstar dba Mr. Cooper mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/XXXX. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.
Product: Checking or savings account

Originally I had filed several disputes on transactions I did not agree with based on goods or services that I bought, one of those was actually a fraudulent charge, however one of the disputes I lost and because PNC only notifies you via USPS when you lose a dispute - And if provisional credit has been issued its going to be debited from the account well I never got the notice, that caused {$550.00} worth of overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting my Business Sparks card for {$10000.00} twice on my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # unknown has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Current Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Incorrect Previous Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX Incorrect DOB - XXXX Employer - NY STATE Listed below are the Collections that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Fair credit reporting act violated. I was not notified of a collection account placed in my credit report. I was notified on XX/XX/XXXX-2020 that a collection account was reported to the credit bureaus. Upon investigation, I was not notified of this by the collection agency prior to it being reported on my credit report. I legally have to be notified in order to dispute/resolve and have the debt validated. I was not given that option. I have disputed the debt with credit reporting agency 's but the debt remains as a negative item with high impact on my credit file while the dispute is being processed. I am also mailing a certified dispute letter, kindly asking them to remove the account from credit reporting until validation. Fair credit reporting laws have been violated by the collection agency. The amount of the debt is {$790.00}
Product: Debt collection

I had a collection that was deemed fraudulent. I was told once they investigated, if it was fraud and I had paid it, I would be given my money back. I paid the full amount so my credit report would stop being affected. Now that the investigation is over and XXXX XXXX found it fraudulent, the collection agency doesnt respond. Their phone system doesnt work. I spoke to XXXX XXXX ( a supervisor ) once. He told me his boss would have to get my file opened because it had been archived. Ive tried for two weeks now to speak to anyone at the company and the only line that works is the receptionist and Ive been disconnected every time she tries to transfer me. XXXX at XXXX XXXX in the fraud department confirmed she submitted to Alliance One the documents showing it was fraudulent and my money should be refunded to me. She did that on XX/XX/XXXX.