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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX opened on XX/XX/year> under the account number XXXX, There are over XXXX student loans with the same account number and different totals for each. Totaling over {$56000.00} with over XXXX non payments but supposedly current. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my complaint about an item falsely placed on my credit report on XX/XX/2018. Equifax removed the item and replaced it with the same item reported earlier by another collection agency that had sold the item to the agency that they removed. My previous complaint showed that I have no accounts in collections from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finally getting my report I saw incorrect information such as my name, address and many inquiries I did not authorize. I need to have the following incorrect name, XXXX XXXX, XXXX XXXX, removed. I need to have the following address, XXXX XXXX XXXX XXXX, NC XXXX removed. I have 9 inquiries I did not authorize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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

of erroneous accounts reported on my credit file. After reviewing my updated credit report, I found multiple errors that are affecting my credit score negatively. This is unacceptable, and I demand prompt action to rectify these errors in compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I am asking the Credit Reporting Agencies to update and rectify the following incorrect accounts on my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Your record-keeping is inadequate. This item is reported as past due, but the account is closed with a XXXX balance. Please rectify it now. Either provide evidence that you haven't reported false information or remove it. 

XXXX XXXX XXXXXXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please rectify this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX Balance : {$0.00} I am disputing charge-off accounts that are still reported on my credit file despite having a XXXX balance. These accounts have been paid off in full, and I request you investigate and remove the charge-off status, as it is adversely impacting my credit score. Additionally, I request a detailed explanation of the charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to remove the late payments from my credit file after stating they would!!! Fix NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasion, I have requested to have erroneous payment status removed. On several occasions, I have asked XXXX and Experian to remove this data and it has not been removed. I have included examples showing where each credit bureau is reporting a different delinquency for the same account and my example was ignored as well as the information that I requested from them in the allotted time. I have attached a second letter detailing once again what I have asked for over and over. Each credit bureau should be reporting the same consistent information. In the first letter that I sent I asked you to send me several items. I have attached the first letter and a follow-up letter. I am also including the evidence removed. I also want the temporary update freeze removed from my account. As a consumer, I have a right to dispute inaccuracies between the credit bureaus as much as I choose. I provided evidence and it was ignored. I would like to have the disputed data removed because it is not consistent and it is incorrect.
Product: Debt collection

First issue relating to second issue : Im having an issue with a third party company named Deville that is trying to collect debt on a private loan from XXXX College. I have no idea of the charges. They are trying to collect XXXX in debt. I did not have a loan in this amount. I have never heard from this company nor have received mail from them about the cost. But it is on my credit report. I would like a detailed print out of my costs. As I remember XXXX has gone bankrupt as of XXXX. 

second situation relating to first : I went to College at XXXX XXXX campus with a XXXX XXXX in XX/XX/XXXX XX/XX/XXXX XXXX. My loan is a whopping XXXX, XXXX dollars ( gov grants and loans ) to a school that said they would provide services to their students.Many promises that included continuous learning at their campus. Such as : Update our skill set for a competitive market, free courses, Use their business center to find jobs, and have a counselor find us work. None of these promises were fulfilled. This is related to XXXX XXXX, but companies want a person that wears many hats, this means the job requires continuous schooling. 

XXXX LOAN : In this competitive job market in my field, and these change quickly. It is important to keep taking these courses to update your skill set. That was a perk that I was interested in when applying to XXXX. Unfortunately this didn't happen. I have illegal creditors trying to collect loans that I do not remember of. The only loans I have are my Government loans that I feel I should be forgiven of. In XXXX XXXX went bankrupt. I was back at XXXX XXXX XXXX to get my XX/XX/XXXX in XX/XX/XXXX. I took off a few months for personal reasons. I tried to come back and they were closed! 
As of XXXX Ive only done freelance work, I am not in my field yet and I am trying to update my skillset to get a job suited for me. I have ALL my loans on deferment and this accrues interest each year on my loans. So as for getting lied to from XXXX this is costing me more money and I have to pay back the loans. What a scam
Product: Mortgage

I am the owner of a XXXX XXXX ( XXXX XXXX ), and I own all the share, and I am the holder of all the XXXX postions. I took a commercial mortgage out in XXXX with XXXX XXXX XXXX in XXXX, and we renewed every 4 years. In XXXX my credit rating went down, but I never missed mortgage payments to XXXX XXXX, yet I was sometimes late. I paid my original balance from XXXX to XXXX, and we could not reach a deal in XXXX, so XXXX XXXX XXXX sold my note to a company called cach llc. Cach llc then offered me a deal to pay off the note in 36 installments at {$1000.00} per month. I paid the note off in XX/XX/XXXX which was way ahead of schedule. Cach llc went bankrupt and Reusurgent Capital Services out of XXXX, sc ended up with my paid off note, and I think mortgage. I thought I was mortgage clear. I got an offer to buy my building in XX/XX/XXXX, and when the buyers title company contacted me I discovered my XXXX  had a mortgage lien. XXXX XXXX informed me that Resurgent Capital had the mortgage and the note. So I am sitting here with a chance to sell my paid off property and I have a mortgage lien which should been released in XXXX. Myself and the lawyer for the title company have called XXXX XXXX and resurgent capital services, and we have been bounced around from one person to the other, and we even sent certified mail giving them a 15 day notice, and letting both companies know the ohio law. Resurgent nevers gives us a contact person, and when we speak to someone they give us a first name, and you never get to talk to that same person when you call. Reurgent claims XXXX XXXX XXXX never assigned the note, and XXXX XXXX   said they can not release the mortgage. I do not want to lose my buyer. My loan is under my XXXX  XXXX XXXX XXXX. I need your help to tell these people to release my mortgage so I can sell my building. Reurgent agrees I paid off the note, and I can not understand why they are holding my mortgage and note, and XXXX XXXX is not cooperating. My buyers even gave me down payment earnest money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX year XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is trying to report a collection on my XXXX and XXXX Credit Report for a XXXX XXXX 's credit card that fell off my report a few years ago when it was well over 7 years old. Due to my FCRA rights reporting this debt again as a collection when it is past the amount of years it is allowed to be on my report violated my FCRA right directly. This debt is past the statute of limitations and I am tired of being harrassed illegally about it including the debt collector contacting third parties and discussing private details with the over a debt that is literally 11 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for {$1300.00} appeared on my Transunion and XXXX credit reports in XXXX. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with Transunion and XXXX who both ruled the collection account was valid. I have received no information from Transunion, XXXX or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Equifax removed the account as requested in CFPB Complaint : XXXX. However, after removing this negative, inaccurate, inequitable, libelous account, Equifax , Inc., decided to re-insert these accounts without notifying XXXX XXXX XXXX, Consumer, or verifying that these accounts were accurate. This is a violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ( 2 ) ( A ) ( B ) ( 5 ) ( A ) ( i ) ( ii ) ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ( III ) ( C ) ( D ) ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ( 7 ) ( 8 ) ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two addresses that I have never resided at. There are old accounts still showing that should have dropped off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureau but they refused to have these removed. They a breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

XXXXXXXX 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

some of my accounts are to old and some are not in there system and some inquiries i did give company 's permission to run my credit on { 1 } XXXX XXXX XXXX XXXX # acc XXXX { 2 } INQUIRIES ally financial XXXX XXXX { 3 } XXXXk XXXXXXXX XXXX { 4 ] XXXX XXXX XXXX XXXX XXXX XXXX 1 } XXXX XXXX account XXXX closed XXXX { 2 } XXXX  XXXX XXXX old balance paid off { 3 } inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 } cXXXX XXXXXXXX XXXX to old { 2 } XXXX XXXX XXXX XXXX to old paid off { 3 } XXXX  XXXX XXXX paid off { 4 } XXXX XXXX inquiries needs to come off
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my credit reports there were XXXX credit cards and a derogatory mark that were affecting my credit. 
On XX/XX/XXXX a XXXXXXXX XXXX XXXX XXXXXXXX ) was opened with a outstanding balance of {$2300.00}. The current status is charged off. 
On XX/XX/XXXX a XXXX XXXX XXXX account was opened with a outstanding balance of {$1400.00}. This is now a derogatory mark on my report! 
On XX/XX/XXXXXXXX XXXX XXXX  account by XXXX XXXX XXXX was opened with a balance of {$20.00}. This account is now charged off. I have submitted multiple complaints about these incorrect reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equixfax about account # XXXX and # XXXX which is XXXX XXXX  I have no clue who this company is I asked them how did they get my information and and how and when this was verified to be place on my consumer report they said a back office handles it and could not tell me anything else I have contact them several times because there are several inconsistencies Date opened Last date of activity Its reporting XXXX days late and also collection Equixfax is allowing XXXX  to commit fraud and they are also by not verifying it and communicating the steps of verification
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX Dealer Services XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries JXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXXXXXX XXXX XXXX is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a TransUnion dispute XX/XX/XXXX and I have not heard a response regarding my complaint with XXXX XXXX. I checked TU website and it is noted that a dispute has been filed and it should be rectified in 30-45 days or on or about XX/XX/XXXX. Because of the pending dispute, I can't move forward to get this removed. 
I am XXXX yrs old and had a credit rating of XXXX prior to this incident. I bought a phone on credit, thought I set it up on automatic payment from my banking account but I did not know it was setup as paperless billing, not direct payment. I ignored creditor emails because I knew I applied for auto pay and I thought the emails were spam and/or predatory attempts until one day I received a phone call. When I believed that the miss payments were indeed real, I immediately took care of my delinquency. I have changed to automatic payment again and have not missed another payment. 

Please investigate this matter in a timely fashionits been 8 months since I filed the first time. In addition, please review my credit history. I retired in XXXX and all my debt is set up on automatic deduction from my financial institutions with no problems. I would like my credit rating restored to its previous level. 

Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my Experian XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.
Product: Credit card or prepaid card

Last payment was received to account XX/XX/XXXX and shows " credited '' however the account has been blocked for use for an undisclosed amount of time as Wells Fargo investigates the payment. 

As of today XX/XX/XXXX the account is still blocked for use. Calling Wells Fargo and speaking to a supervisor only gave me the information : " The department that can unblock the account can only be reached via e-mail, they will respond in 24 hours '' In addition to the issues with the payment processing the issues conveniently prevented me from taking advantage of the account sign up bonus ( XXXX points for first 5 days, XXXX points on the first of the month ) due to the account being constantly blocked for charges. 

It is totally unacceptable for a bank to be unable to resolve this issue even in the 24 hour period that they have since exceeded by weeks. It is false advertising to offer a sign up bonus that cant be achieved due to a non working card.