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

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from EXPERIAN AND XXXX Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or reclaiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information and I request that EXPERIAN AND XXXX Credit Bureaus must investigate and delete fraudulent items in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyunadi Motor Finance is reporting incorrect account information on my credit report. The account is reporting six missed payments this information is not correct. I filed a complant prior and the information reported was corrected. As of today XXXX XXXX, 2017 the incorrect information has reappeared on my credit bureaus credit report. I am currently in the process of seeking legal advice and repensatation due to the practices of Hyundai Motor Finance. The payments were paid online and not processed unti two to three days later. Their actions are damaging my credit history and credit worthiness. Below I will attach  supported documents showing payments and when they were processed. I have filed compalints prevesouly against this company whch resulted in the account information being corrected
Product: Debt collection

XXXX opened an account in my name without my consent or authorization over 20 years ago ( I found out about it in XXXX after my brother passed away in a house fire ). The account was at my deceased brothers residence in XXXX XXXX XXXX. XXXX, NC XXXX. I have NEVER lived there or authorized any account to be opened in my name. I have advised XXXXXXXX of this by phone and certified mail. I have requested a copy of my agreement and a payment history. They will not provide, they instead sent bill copies from XX/XX/2022 thru XXXX XX/XX/2022. I have never lived at this address or consented to have an account at this address placed into my name. The first collection agency agreed and sent it back to XXXX, now they have sent to another collections agent. My personal account with them was at XXXX XXXX XXXX, XXXX XXXX, NC XXXX was closed in XXXX of 2022 after being open well over 25 years with never ONE LATE PAY! It was paid in full with a XXXX balance. This account at XXXX NC is NOT MY DEBT! I NEVER consented to or authorized it. I have spent hours trying to get this resolved. For a company to be able to come out of nowhere and claim I owe a dent on an account opened 2 decades ago with out my consent is a total sham. Not only have I had to deal with my only siblings passing, I am having to fight this company on a debt I do not owe!
Product: Mortgage

Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.
Product: Debt collection

Received collection letter from Creditors Service Bureau regarding alleged debt, have previously been contacted by CSB regarding debts with no verification of debt, asked repeatedly to not be contacted by them & to remove all debts they have listed against me
Product: Debt collection

I am a victim of identity theft. I am writing to request that they block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.          XXXX   XXXX  SERVICES  XXXX   XXXX  SERVICES Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off
Product: Debt collection

This is a complaint from XXXX against HSBC for HSBC 's failure to provide requested information for the debt alleged. As of XX/XX/2017, HSBC has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus XXXXre reporting inaccurate information on CREDIT ACCEPTANCE CO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Student loan

I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.
Product: Credit card

The issue is causing me significant XXXX  and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in 2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX XXXX, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in 2016. Experian is clearly not even investigating the matter. 

UPDATE : I filed one CFPB complaint and Experian claimed, again, they were working on it. They have since claimed to resolve the dispute. They removed one incorrect month, but now a new month has appeared ( XXXX ). They have not fixed the error, and continue to lie about contacting the original debt owner, who I spoke with. Their error is dramatically hurting my credit score and I need a resolution as quickly as possible.
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. XXXX XXXX. Unknown ( I have not knowledge of these accts I have request Validation over 60 days I have not received anything from the companies. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXXXXXX XXXX-Account number XXXX Paid, Closed. {$690.00} written off. ( XXXX ) Account name : XXXX-Account number 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 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, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I received an X-ray from XXXX XXXX XXXX XXXX for a post-op visit my neurosurgeon for XXXX XXXX XXXXXXXX and a XXXX  performed on XX/XX/XXXX in the same hospital. I did not receive a GFE for services and there were not any Consumer protection notices displayed. The hospital sold my debt to Trans-Continental Credit & Collections with whom Ive been in contact with. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph # XXXX or toll free XXXX. I was offered 1/2 off the {$440.00} balance but was required to pay immediately cover the phone. I am uncomfortable without having a revised statement for my records reflecting {$220.00} and paying by phone. I am trying to resolve the matter but they hang up the phone the 2X I have called.
Product: Credit reporting

Demanding A Credit Bureau Investigate To Whom It May Concern : Experian I recently submitted a request for investigation of the following Acct Numbers : XXXX Collection/ Chargeoff {$1300.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX , XXXX XXXX XXXX XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. XXXX, XXXX vs. XXXX ( Experian ), and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my credit report and I need them removed immediately.
Product: Credit reporting or other personal consumer reports

Called a credit representative on XXXX advise that my credit information is still showing on my credit report, after the account be closed and its been over 10 years. This is illegal and company should be fined. Im trying to buy a home and this information should not be showing on a closed account, after reported closed and repeated disputes with the creditor and or the credit bureaus.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX transferred our loan to Fay Servicing unknown to us. We knew we were in default with XXXX  and submitted a short sale offer on XX/XX/XXXX on XX/XX/XXXX we received notice of a foreclosure date. We immediately called XXXX and they told us our loan had been transferred to Fay Servicing. Our agent and closing coordinator reached out and we did as well. We sent them the short sale offer and they did absolutely nothing! We went to foreclosure today and lost our home. I have a XXXX XXXX  and I could lose my job because Fay Servicing would not stop the foreclosure and accept the short sale. We did what XXXX asked and it did not work out. I know Fay Servicing in XXXX CFPB took action against them for failing to provide mortgage borrowers with protections against foreclosure.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app XXXX Block , Inc. ) Due to inadequate customer service at unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The Experian Credit Agency is criminal. I pay off my credit cards every month and pay all my debts on time - no late or missing payments for many years now. Today Experian dropped my credit rating XXXX points for no reason. They provided no justification just a note they dropped my rating for no reason. If they can not provide factual justification, shut them down immediately. This is the XXXX time this year they have pulled this XXXX ( I opened a ticket last time too ) and last time provided no justification. This has to stop immediately. Shut them down. Shut them down. Shut them down.
Product: Debt collection

Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau 's ( XXXX, TransUnion, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove this immediately in my report : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX got notification from Capitol one/ XXXX XXXX XXXX XXXX  that there has been hard inquiry from lenders I didn't. The hard inquiries were from 2 different state- XXXX XXXX XXXX XXXX  and Capitol One XXXXXXXX XXXX and I live in XXXX  XXXX 
Called XXXX  to put a freeze and alert the other credit beaures. Now I am putting this complaint as per XXXX  guidance so the hard inquiry can be disputed and removed.
Product: Credit card

I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.
Product: Debt collection

Southwest Credit Systems constantly contact me about a debt that I have no knowledge of. I want them to stop contacting me.
Product: Debt collection

CREDIT PROTECTION XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX I have contacted both Credit Protection and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with Credit Protection. Further more Credit Protection is not License or bonded in the State of Illinois to do business a Collection Agency. PLEASE SEE ATTACHMENTS. 

The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$240.00} with XXXX and {$140.00} XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of  the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.