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

I have filed three credit disputes with Experian in regards to a bankruptcy being reported on my consumer credit Public Records profile. My last request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. Experian responded to my last request. The response letter was dated XX/XX/2020. On page 2, Experian admitted in using a third party to " verify '' this information and did not provide me with the original documentation on file with their. Page 2 stated, " This section includes public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX '' I am requesting that this company promptly delete this negative information from my consumer report immediately.
Product: Credit card

On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help.
Product: Debt collection

This account was turned over to Fox Collection Center even though it had been include with a Chapter XXXX Bankruptcy and the Bankruptcy was discharged.
Product: Credit reporting or other personal consumer reports

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX Why is this account being reported with XXXX? different dates of last activity? Delete account for inaccurate reporting. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please reply within 15 days or delete the negative items, as originally requested. 
Once you have finished my request, please send me an updated credit report reflecting my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXX. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus
Product: Debt collection

A medical bill was sent to collections while I was actively still making payments on the account. In fact, after The account was paid in total it was learned that I overplayed in which I was issued a refund for the amount over payed. Ive reached out to the company multiple times informing that I was somehow sent to collections in error and they are unable to help or provided further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I can't get any help to fix this ... all my credit is jacked up I can't open anythng because so much was done. Plus the data breach on XXXX and my stuff is not good. It should be open and shut case. I was incarcerated from XXXX XXXX XXXX to XX/XX/XXXX XXXX any and. All accounts opened nduring that time were fraud and there was alot of that and inquires. How no one would notice and freeze my credit based on how the credit was being used. Anyway I come to this and I canf even open a account for Experian. And if I try to open anything it goes bad to worse because all the Bs from the fraud me adding a inquiry just doesnt help. Anyway the police report on file is by XXXX  XXXX XXXX. XXXX XXXX case # XXXX. I've told the credit bureaus all this and nothing. They " investigate and come to the conclusion that I did open. The accounts ....!!! Shaking my head. How??. Please help. It's hard as it is XXXX XXXX XXXX XXXX XX/XX/1986. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. XXXX XXXX XXXX. XXXX ) XXXX. Current info. Please update please indemnification is needed in store and so I can live. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

equfiax and XXXX taking way to long over 30 days to fix a ftc claim fca
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX days. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now XXXX is the first one XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX no phone and inquiry happen XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a Transunion Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX Im not sure if I previously reported these so Im gon na letting you know ahead of time XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX phone number XXXX inquiry XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX
Product: Debt collection

Conns Acct # XXXX & XXXX Has violated my federally protected consumer to privacy & confidentiality under 15.USC1681 I saw on XXXX & XXXX XXXX report That there were some not accurate This company didnt follow procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to ( 15.USC 1681 ) They are to make sure that The information is accurate or unverified After reinvestigation under paragraph ( 1 ) of any Information disputed by a consumer/Item of information is found to be incomplete accurate or unverified, The consumer reporting agency needs to delete/modify that information off the file of consumer 15 USC1681s -2 The consumer are suppose to not report any information relating to the consumer report agency If the person has reasonable cause to believe that the information is Inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

FAILED TO HAVE COPY OF THE ORIGINAL CREDITORS DOCUMENTATION ON FILE TO VERIFY THAT THIS INFORMATION IS MINE AND IS CORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with my bank and find out that there has been a freeze or fraud alert put on my accounts with experian and XXXX. I contacted both reporting agencies and they said the I or another credit reporting agency requested to have this fraud alert placed on my credit and they refuse to remove it without sending a complicated letter including tremendous amounts of information making it extra difficult for myself to access my credit. Why they do this I am not sure but from my research this is happening to alot of people. 
Really all I want is the freeze or fraud alert removed from my experian and XXXX credit reports. 


Thank you XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX   and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with XXXX XXXX.
Product: Mortgage

( 1 ) We are seniors who have XXXX and health issues and in XXXX of 2014 I asked our lender if they had any suggestions/help for us with our mortgage. I specifically said I was not interested in a short sale, nor were we in jeopardy of foreclosure as we have never missed a payment and did not intend to. 
( 2 ) I was sent an application but said on the application I was only hoping to look at options - perhaps a different percentage rate, or possibly just a fixed rate. I tried calling numerous times trying to tell people that I just wanted to talk to someone about my options but no one would return my phone calls. 
( 3 ) In XXXX we got a decline on assistance with our loan and that we were not eligible for FORECLOSURE alternatives. - " Due to the reason I was not evaluated on other criteria ''. I had no idea what this meant and tried to call but my phone calls were never answered. Shortly from the decline we got a letter sending us information on selling our house on a SHORT SALE! I continued to call people and ask them about this correspondence and what it meant but could n't connect with anyone. 
( 4 ) In XXXX I got a fee charge on my mortgage statement of XXXX. I called again and talked to someone who said that it was a mistake and would be removed. 
( 5 ) The next month this fee went up to XXXX and I called again. I finally wrote a letter how unhappy I was with their service and wanted the fee removed from my statement. 
( 6 ) In response to my letter a person called and I asked her to remove the fee from the statement. She said she would have to check into it and see what it was for. Many months later she called and said that the fee was for an appraisal. I replied that I did not ask or give permission for an appraisal nor was I sent a copy of the appraisal which by new laws they must send to me promptly. 
( 7 ) A month later I was sent what they called an appraisal. ( It has now been at least six months later ) It was not an appraisal - it was an exterior BPO and done by a realtor and not a certified appraiser. I have a real estate license and I know that according to FIRREA rules that we can not do appraisals for mortgage loans as this is illegal. It also states that if lenders wish to ensure payment for appraisals they must request payment before. ( Strangely I was studying the new laws of the CFPB for my continuing education in real estate in XXXX. ) ( XXXX ) As I have found out that getting help with mortgages from the government is a big farce I feel I should not have to pay for an appraisal which I was told was a mistake, and which it says right on it that it is NOT an appraisal, and I certainly did not receive it promptly. Asking for help with my mortgage not only has caused a lot more stress for us, but now I have more money to pay and a lower FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX {$340.00} XXXX {$340.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$5400.00} THIS ACCOUNT WAS ADDED TO MY CREDIT REPORT .I WAS A VICTUM OF FRAUD AND HAVE NO KNOWLEDGE OF THESE ACCOUNTS. I NOTIFIED XXXX XXXX AND EQUIFAX WITH A IDENTITY THEFT REPORT TO LET THEM NO THESE WASN'T MY ACCOUNTS. I HAVE NOT HEARD ANYTHING BACK FROM THEM AND ALL ITEM ARE STILL ON MY CREDIT REPORT. CAN YOU PLEASE LOOK INTO THIS MATTER AND DELETE FROM MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I called XXXX on XXXX about unauthorized inquired furnished on report they advised they have no record and is unsure who pulled my report I Called Equifax and spoke with a very rude supervisor name XXXX  who showed unwillingness to help I explained to her that I have the FTC report with the inquiry name and date it was pulled and would like it removed because it was unauthorized she stated that I needed to mail in information and showed no type of interest to help me with this issue because I also wanted information to put a security freeze as my credit keeps getting pulled by unauthorized companies I have attached the FTC report below I want this inquiry removed because I am a victim of identity theft and did not authorize this credit pull with XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  XXXXTHIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Debt collection

During the time starting at XX/XX/2020 my name was used to open a fraud account with XXXX XXXX. On my XXXX report I saw addresses based in Texas that were supposedly linked to me as places of previous residence. I have never live in Texas nor ever had an XXXX XXXX account! The racked up charges of approx {$740.00}. 

I have had multiple activity appear on my credit report as a result of this fraud. I need help please. I have contacted XXXX XXXX and I am in the process of faxing them a fraud packet along with a Police statement. 

My residence has always resided here in NJ. I will include utility bill to showcase just that.
Product: Money transfer, virtual currency, or money service

I didn't login to the Abra iphone app in a long time. When I finally did today, I noticed my account balance was XXXX. There was no transaction history or anything. The app requested I go through an ID verification procedure in order to trade, add funds or withdrawal ; however, I already did this verification when I signed up a few years ago. 

I googled and read today from others that Abra supposedly sent notifications out telling folks to verify by XX/XX/year> otherwise remaining balances would be lost. I just searched my email and found these notifications ; however, it looks like I got the first notification on XX/XX/year> and then on XX/XX/year> the account was the last day of access. That's an incredibly short timeline to take action. Further, the concept that my balances are " lost '' is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX / Closed XX/XX/XXXX, Balance of {$640.00} ( Capital One ) has derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( Capital One. ) has violated my rights as a consumer and I am requesting legal action to remove this account immediately, in addition to we are in the middle of a pandemic COVID-19 which is allowing relief to 85 % + consumers.
Product: Debt collection

I do not own any credit cards and have not opened a credit card in 10 years. This account is fraudulent and does not belong to me. Please stop contacting me as I do not own a credit card and havent owned one in 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : 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 TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed disputes with XXXX for all fraudulent charges but need to for transunion and experian as well. My information was stolen and my credit has been wrecked. 
FTC REPORT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my Equifax that show balances one with XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX. When they should be showing XXXX balance discharged though bankruptcy
Product: Vehicle loan or lease

Ive had my XXXX XXXX XXXX since XX/XX/XXXX. Due to financial hardship and me being a contract worker I requested at least XXXX or XXXX of my payments be put on the back end of my loan. I was instantly denied and I asked to speak to a supervisor I was denied that. I had to call back XXXX more times and was finally able to speak with a supervisor who was not only rude, but didnt even notate my account of why I couldnt make my payments on time. I asked to speak to the executive office and was denied that, but yet the executive office called me when I made a complaint against them. I really find it hard to believe that they cant help me push at least XXXX of my car notes to the very end of my loan. This company is very unprofessional, extremely rude, and will not help you at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know Equifax and and   XXXX   has been in the news for some deceitful credit score numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.
Product: Debt collection

Receive a garnish at work. Never had a court date to challenge the debts. This company had been taking money out of my bank account many time for debts I know nothing about. I am tried of it happen and want put a stop to it. The name of this company is New Century Financial Services and the Attorney is XXXX & XXXX. They have cause me much pain and financial hardship over the pass couple years. I plan on getting debt lawyer. I believe what they are doing to me and maybe other is not fair or right. The last time I talk with someone on the phone they wanted me to prove I didn't owe the money how can I prove something I don't know.