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

This account does not belong to me and is being inaccurately reported on my credit report having. 

I am making this complaint have this erroneous reporting removed. As in Wenger vs. Trans Union Corp., No. 95 6445 ( C.D.Cal. Nov. 14, 1995 ), XXXX will be liable for their willful noncompliance. 

In accordance with the Fair Credit Reporting Act under its laws : XXXX Account # XXXX has violated my rights by reporting this erroneous account. 

This account was part of an investigation of fraud and improper use of personal information from a marketing scam in XXXX via a 3rd party with inside misleading applicants using innocent consumers information collected as part of a resort tour. 

15 U.S.C 1681 section 602 A. States I have the right to privacy in accordance with the written instructions of the consumer to whom it relates.

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. I have not given permission for XXXX XXXX to furnish and or report any of my account information to the public or any credit bureau agency without accurate compliance with State & Federal Laws being applicable throughout.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) also prohibits furnishing information to any CRA if the furnished " knows or has reasonable cause to believe that the information is inaccurate '' which in this case it is. This information is inaccurate.

I appreciate your prompt attention to this matter.

Given that the furnisher has violated my rights, I am challenging this account. I am formally requesting this account be removed, deleted, and excluded immediately. This improper reporting is against the law.

Thank you for your time and help with this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX Information XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$950.00} Collector : XXXX & XXXX Account Number : XXXX Balance : {$220.00} Collector : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$3900.00} and {$6100.00} This is a formal complaint against the three credit bureaus ( Equifax, XXXX, and XXXX ). I'm on my fourth dispute letter and I have not received any updates or changes to my credit report. I have pulled my credit report again today and all I see on these accounts I have mentioned above are inconsistent and incorrect information being reported such as the date of last activity reporting on different months which is troubling to me. There can't be three separate payments made on a single account for sure.. It's either the account is verified through multiple sources or creditors which is impossible and not acceptable or the bureaus did not do their job of conducting a reasonable investigation and reaching out to the original creditors of the account to validate the reporting. 

I have attached copies of the letters I have sent to the credit bureaus and collectors as your reference.
Product: Debt collection

This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : LATE PAYMENT To whom who may concern, I recently looked at my credit and noticed that some account have late payments during COVID-19. however I talked to these creditor and I should not have missed payment.

Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it. I dispute the fairness of the late payments being reported on ALL MY account LISTED BELOW. These late payments are the fault OF THE CREDITORS that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, DURING THE PANDEMIC OF XXXX I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account, and that is no fault of mine. 
XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Please send me an updated copy of my credit report once the above statement has been added.
Product: Credit card or prepaid card

I recieved an adverse action letter after applying for a credit card with PayPal. The letter informed me that I was denied credit because there is an identity theft freeze on my consumer report with XXXX. What law requires a credit check or credit score for an consumer 's credit to be extended to them? I was denied my right to credit and the equal opportunity thereof which has caused me headaches and added day to day stress because I am unable to use my credit to attain my families needs.
Product: Consumer Loan

On XXXX XXXX, 2015 I was attempting to help a friend obtain a phone through the XXXX XXXX XXXX. I was advised that they had financing options that did not include pulling or reporting to my credit bureau. The gentleman in the store asked me if I wanted the payments to be withdrawn from my checking account, I advised I just needed him to make sure that my credit was not run. He said ok, finished processing the account, we received the phones, he gave me information for when the payment was due and I thought that was the end of it. On XXXX XXXX, 2015 I called Fortiva as I pulled my credit report and noticed an inquiry from Fortiva and gave them a call and explained that I was told more than once that my credit report would not be run, I advised their inquiry was without permission and told them that I wanted the info to be removed from my credit report. I was told by a representative as well as a supervisor by the name of XXXX that I needed to XXXX the balance on the account and they would remove the info from my credit report. I asked for something in writing and they said they would n't be able to give me anything in writing, but to make the payment and call back and they could take care of it from there. Apparently, as XXXX informed me, there are XXXX ways for financing for XXXX phones. There is a " Y Buy '' program that does n't include pulling a credit report and then there is " Fortiva '' which indeed does pull a credit report. XXXX told me I could have the store cancel out the Fortiva account and instead sign me up for a " Y Buy '' account and that would XXXX the balance or I could just pay the account down to XXXX. In not wanting anything else to do with any of their financing options I went ahead and paid off the account on XXXX XXXX, 2015. The payment updated to the account after business hours on XXXX XXXX, 2015. I called in on XXXX XXXX, 2015 and then spoke with another representative as well as another supervisor by the name of XXXX rep id # XXXX. I informed him of the previous conversation and that the account was now paid off and that I wanted them to follow through with removing the information from my credit report. He told me there was no way to do this as they do n't remove factual info from the credit report. I advised I understood not removing facts, but I did n't authorize my credit report being pulled. He said they would have to do an investigation and someone from their corporate office would call me within 3-5 business days. 14 business days later I have not received a call back or resolution to my problem so I called in on XXXX XXXX, 2015. I spoke with a representative and asked to speak to a supervisor. After almost 15 minutes on hold, the rep came back and said a supervisor was not available, he was on another call and would need to call me back. 24 hours later and I have still not received a call back. This is incredibly wrong, I have been misled and lied to and I would like some resolution to this situation.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.
Product: Student loan

I was a former a student at XXXX XXXX in XXXX Nevada. In order to afford the tuition, I needed to take on private student loans. the school only gave me the option to take loans from their private student loan lender. I was threatened that if I took to long to think about it my classes were gon na be dropped. i was making payments for these private student loans and then they were sold or transferred to Campus Student Funding LLC. The school closed and so did the XXXX. My Federa Studnet loans have been forgiven and not my private student loans. so here I am with no degree and in debt due to the ambitious And scamy practices of my school whose corporate members filled their pockets with the student 's money. I need that my private student loans be forgiven.
Product: Credit reporting or other personal consumer reports

I would like for the to remove the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed disputes with all 3 credit bureaus that there are some collections that way pass 7 years and need to come off. I do not understand why it is taking so long for this happen? Are they not doing their jobs? Why should I have to spend my time writing this complaint when I already filed disputes with them.
Product: Mortgage

SPS Serviving Acct # XXXX My original mortgage amount in 2004 was {$370000.00} and as of todays date, my mortgage balance is {$370000.00}. This is despite the fact that I paid over {$15000.00} XXXX towards principal alone last year and that I practically pay an additional towards my principle every month. I do not understand why my mortgage principle has not budged in si many years.
Product: Credit card or prepaid card

I had an XXXX XXXX, issued by Goldman Sachs. XXXX account was hacked and had fraudulent purchases. I had to spend 5+ hours on the phone with apple and gs to try to get the account closed and the charges voided. I was told initially the account is closed and theyll be following up over email for payment. 5 days later when nothing happened I called back and they were not even able to find my case. I tried to close the account again and make the payment and was assured it was closed. After a few more calls/weeks with the same story, I found out my account wasn't even closed and I was being charged a hefty level of interest on this. Still no way to make the payment other than over the phone, which I do not feel secure about. 

About a month later, I finally received confirmation the account was closed. When it came time for payment, I wanted to get the interest reduced. XXXX through the phone call, the representative hangs up on me. When I call back they were struggling to find my case and said they would reach back out. I asked them to confirm over email, they agreed and again nothing. 

This morning I received a call back stating that for interest theyd be able to reduce only {$25.00} of the total sum, bearing in mind I have been trying to pay for over a month. When I said I refused the operator at Goldman Sachs developed a rude and threatning tone. we eventually hung up on each other. 

XXXX and Goldman sachs has some of the XXXX customer service around. The departments are very silod and a request made to one department clearly does not go through to any other departments. I have had to get this card " closed '' with about 5 different departments across the 2 companies to officially have it closed and about another 6 to try to make the final payment and get the interest on the account voided. They refuse to operate over email or any sort of convenient platform, which made my life miserable since I did not have access to my apple account and did not want to read them my bank account over the phone to make the final payment. It is ridiculous
Product: Mortgage

Hello consumer finance I started a complaint with you XXXX. On that complaint I stated " on XX/XX/XXXX I inquired about the arears in my mortgage, I was told it was {$7200.00}. I called back on XX/XX/XXXX and I was told that the amount was now {$18000.00} due to not being covered by bankruptcy anymore and I was advised that I had missed XXXX payments from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX my payment amount was {$1000.00} and from XX/XX/XXXX to XX/XX/XXXX my payment was {$1000.00} constituting my XXXX payments, my statements show that they have received {$10000.00} during that time. 
That Complaint has been recently closed based on this statement from the Mortgage Servicer " Rushmore has reviewed the recorded conversations held between XX/XX/XXXX to XX/XX/XXXX, and at no time during these calls did a Rushmore representative quote you {$7000.00} as the reinstatement amount. You explained to the representatives that you believed the amount to be {$7000.00}. The representative ordered a Reinstate Quote that was mailed to you on XX/XX/XXXX, XXXX amount required to reinstate the loan through XX/XX/XXXX is listed below. " As you can plainly see the DATE & AMOUNT does not correspond with what I have provided to you. Of course the conversation in my complaint didn't take place because the time frame they researched is not the one I provided to you. As you can plainly see this is a ploy to defraud you as a consumer advocate and steal the funds that I sent them. I have taken the liberty to attach the reinstatement quote that I was sent and the response that I have sent them by providing every months bank statements
Product: Credit reporting, credit repair services, or other personal consumer reports

According to below LAW States 15 U.S.C 1681 section 602 A. : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In XXXX. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my credit profile. I contacted the companies and they stated I needed to contact the credit bureaus because they have no record for me. I contacted the credit bureaus over several times last month and also on the XXXX, of XXXX ago requesting verification of the unauthorized inquiries and I was told that they can not verify the inquiries and they will not remove them. I requested to speak with a manager and was put on hold for over 40 mins and then they hung up the phone. 

They have not validated the inquiries and refuse to remove them.