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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023, XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SARMA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Mortgage

On or about XX/XX/2016 I called AAG about a reverse mortgage we went through the steps needed and the-the appraisal. On XX/XX/XXXX when we received the appraisal, a XXXX XXXX XXXX XXXX Processor we talked to and was told about things on my credit report ( In which I took care of. ) XXXX repair. And we told her about how the appraisal was not correct with the low appraisal. 1.we have XXXX bathrooms that it showed in the pictures he snapped, but he reported only XXXX bathrooms. none of the lower compared homes looked like mine ( mine sits on a lot and a half and have the new walkway from the driveway to the enclosed back sunroom, no walkway was there before. a drive way, sidewalk and new poured front door walk. ) XXXX new sheds.extra large rooms in my home. After I submitted the repair to XXXX,. on the XX/XX/2016, I heard nothing back from her. I emailed and called and no response.XXXX XXXX The loan office is also difficult to reach.So we contacted XXXX XXXX the complaint person. After he contacted them XXXX would return calls. The again no responses. Last week I called to see what was going on XXXX never responded, so we called XXXX and we were told they needed an explanation on the credit report late payments. ( If we had n't Called I would n't have known anything about it. ) Those things were either not mine or corrected by the Credit Bureau in which I submitted to the XXXX and nonresponding XXXX..I asked again about the appraisal being taken care of, ad XXXX told me that was XXXX department. No response from her so Friday XX/XX/XXXX we contacted XXXX XXXX again, and he told us we will here from him by the end of the day. We did not. XXXX called with an attitude mad because we contacted XXXX, He started taking up for XXXX asking us in a smart way She never contacted you back, you never heard back from her? we told him then and before that she never responds. I called back and asked for XXXX manager and a recording we received, and I told her how XXXX was acting an ask for an apology. XX/XX/2016 Nothing yet. So I called XXXX XXXX ( The people who handle the appraisals ) I spoke to XXXX and was informed that he had not received nor heard anything from XXXX XXXX XXXX about the appraisal not being correct, And they are the ones whos suppose to contact them about this, and he will email XXXX about this concern. So from XXXX When we received and told XXXX about this, it was never taken care of nor sent back for correction.
Product: Mortgage

Racism and discrimination played keep part in our refinancing process there was an ongoing engineered series of discrimination by our loan officer and the high ups and large even after filling countless complaints the company treated us with total disrespect and discriminated against us based on our ethnicity and race I worst came when they changed our locked lower interest rate to a higher interest rate because we complained about the poor services we were receiving as a customer
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX XXXX XXXX XXXX XXXX : XXXX Date purchased : XX/XX/XXXX To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 
This is not a refusal to pay, but a notice that this account is disputed. 
Any contact needs to be made in writing, you or your representatives do not have my permission to contact me or my family members via telephone, text or email or any form of social media. 
Per North Carolina State Law, this debt has passed the statute of limitations. With that being said, I can not be sued by you per North Carolina Statute. 
This vehicle was voluntarily surrendered in XX/XX/XXXX in XXXX, NC ) and resold on or about XX/XX/XXXX. 
I am offering a settlement offer to satisfy this account in the amount of {$1000.00}. Upon receipt of this payment in the form of cashiers check or money order, please mark this account paid in full. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.
Product: Debt collection

My name is XXXX XXXX and XXXX XXXX, The Collection company by the name of Collections USA, reported a debt by XXXX XXXX XXXX XXXX on my credit report. When the leasing company, XXXXXXXX XXXX XXXX XXXX  was contacted they couldn't verify my tenancy, and they weren't able to find my former information. The collection agency is falsely identifying themselves as being hired by XXXX XXXX XXXX XXXX and states they received my personal information from them. The former leasing company I leased with is no longer managing that property and is trying to collect a debt to that property they no longer manage. I don't owe past rent, as well as, for the timeframe they claim, because I was residing in another state. Collections USA misrepresent the leasing company, XXXXXXXX XXXX XXXX XXXX, in XXXX XXXX Missouri. XXXX XXXX XXXX XXXXXXXX has no information on me that could have been transferred to Collections USA, as they claimed.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : SPRINGOAKCAP  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
Product: Debt collection

Opened an XXXX XXXX account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. XXXX is still reporting our account delinquent and the judgment has not been resolved.
Product: Student loan

I enrolled in XXXX XXXX on XX/XX/XXXX. I attended the school for 2 quarters ( XXXX ) and withdrew from the school on XX/XX/XXXX. I received a letter from the office of Attorney General on XX/XX/XXXX stating that my restitution claim against XXXX was approved and that XXXX had agreed to waive collection of {$11.00} XXXX in private debt that was owed by students whose last day of attendance was between XX/XX/XXXX and XX/XX/XXXX. My last date of attendance recorded is XX/XX/XXXX. The letter states that no action is required by students to obtain this debt relief. I called AES to explain that I am no longer obligated to make monthly payments in XXXX XXXX. I gave detailed events of my withdraw date and how I felt I was not responsible for the loan since collection were waived. I was told that Im not on a list and I would have to continue making my payments. I requested a supervisor and she told me to upload this letter to my AES account for review and someone will get back with me. I detailed the events and explained how I did not receive the full loan amount and how I am not responsible for the debt since it was waived. It was again determined that I was responsible for the debt but without a reason as to why. I do not see evidence that a thorough investigation was performed to verify my liability to the full debt owed. I made several calls to AES to request my promissory note and disclosures, which I received. Upon viewing the documents for myself, there are many red flags that prove as evidence that my loan has fraudulent activity on it. The last call I made to AES was on XXXX XXXX, XXXX and after explaining my case to someone else, the only solution I was given was to write the loan services and request the loan be discharged after explaining the story and providing evidence. Since I was not provided any contact info other than a name, I searched for the loan servicers contact information online and found nothing. It seems that despite my efforts to resolve this issue with AES, Im being taken on a wild goose chase to clear this debt while interest charges, fees and increasing debt continue to stack against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.
Product: Debt collection

First letter was s ent  XXXX 2017 Thi s letter is regarding account #  XXXX , which you claim WAS CHARGED OFF {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you.    I received a letter back  on   XXXX  2017 stating that they  have enclosed account summary which provided verification. Verification of they debt is not valid, which only had My current address, the account information, and who they acquired it from.   I followed up with a second letter  on  XXXX 2017 re questing for proof. I then received a letter back from them   XXXX 2017 s aying they are not willing to corporate.   The company 's name and address Resurgent Capital Services,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   ,  SC  XXXX  Thank you,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint to the three ( 3 ) credit bureaus regarding to inaccurate data on my credit report but they just ignored my complaint and telling that I am not the one who made it, They are wrong because I am who made it and I never used third party.
Product: Credit reporting or other personal consumer reports

I hope you system doesnt just my concern out and I pray they make transunion really lol into this situation I have been going back and forth with transunion for the last few months regarding the accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have advised them these are not my accounts, and that I truly feel like this is an error with data. I have sent countless letters to transunion and they always informed me they didn't get any disputes from me. I reached out to the XXXX  who advised transunion advised they would investigate I never got any mail or heard anything back please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain America Credit Union is reporting a late for XX/XX/21 on my mortgage and I was never late. I have made my payments on time for this account and am very confused as to why there is a late payment reporting. The money came out of my account on time. This needs to be removed.
Product: Debt collection

Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit builder plus loan with Money Lion, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and Moneylion has  automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and Moneylion had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted moneylion via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. A hard inquiry was made on my behalf and I have knowledge or anything of this information. I did not consent to the hard inquiry. I reached out to them. They say they have no information on my behalf at all. The inquiry was conducted by Capitol one bank USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item from XXXX XXXX XXXX that has been appearantly sold to XXXX XXXX XXXX, that does not belong to me. I have reached out several times to ask for validation, but I have never received any type of proper response about the account. I have just did more research on the company and after learning who the creditor is, I realize the account is not mine, beyond a shadow of a doubt, because I have never had this type of credit line issued to me as an individual or an entity which whom I am responsible for in any way shape or form, as I live and breath. 
I do not own any credit line, or credit card issued by the original creditor, nor the collection agency that has purchased the debt owe by the unassociated party who is responsible for the debt, unrelated to me. The original debt has obviously been established by another individual or entity that is identified by a similar descriptive title or name or branding and is not associated or related to me, and is not, in any way shape or form, me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent inaccuracies on my credit report, specifically related to incorrect addresses, late closure, charge-off, and unauthorized inquiries. Despite my repeated attempts to rectify these issues, they continue to negatively impact my creditworthiness and financial standing. 

I have identified the following issues on my credit report that have yet to be addressed : 1. My credit report displays several inaccurate addresses that have never been associated with me. The presence of these erroneous addresses on my credit report is both misleading and raises concerns about potential identity theft. I have previously requested their removal, but they persist. I insist that all incorrect addresses be promptly removed from my credit report. 


2. Accounts on my credit report are listed as " late closed, '' which is not accurate. This misrepresentation unfairly affects my credit score and ability to secure credit. I have previously disputed this, but the issue remains unresolved. I request the status of these accounts be corrected to accurately reflect their closure status. 

3. My credit report inaccurately indicates several charge-offs that are either outdated or simply incorrect. I have diligently worked to resolve outstanding debts, and some of these inaccuracies have already been addressed with the creditors involved. Despite my efforts, these inaccuracies persist. I request that the inaccurate charge-offs be updated or removed from my credit report to reflect the correct status of these accounts. 

4. I have noticed multiple unauthorized inquiries on my credit report that continue to be reported. These inquiries may be harming my credit score and financial prospects. Despite disputing their legitimacy, they remain on my report. I request an investigation into the necessity and validity of these inquiries, and any unauthorized or unjustified inquiries be removed from my credit report. 

Maintaining an accurate credit report is essential for determining my financial stability and credibility. I have taken all necessary steps, provided documentation, and adhered to the dispute resolution process, but these issues persist. This situation is frustrating and has a severe impact on my financial well-being. 

I kindly request that you conduct an immediate and thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them promptly. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I went on the Google Play Store and purchased {$25.00} in Google Play Store credits using my debit card. I then went to try using the credits on the XXXX XXXX as Google manages the payments. It refused to accept my Google Play Store Credit stating I have to be located 8n the United States. I checked and my VPN was off. There was no reason to deny my purchase. I then tried to request a refund. There is no option for explaining the issue. I was denied a refund. The company does not have a customer service phone number and wants the consumer to use the community as a way to resolve this issue. The company intentionally does this to keep costs low. They deny use of funds if it's a debit card knowing that it isn't protected as credit cards are. I humbly request that you fine the company on behalf of 5he hundreds of thousands of consumers who they do this to and request a refund from this cheap company