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

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX  Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$4700.00}
Product: Credit reporting or other personal consumer reports

I was working with someone in your organization when I got the notice he passed away since then everything is going to XXXX My Investigations were closed got a notification saying or stating documents not mine I have re send all documentation with new letter since Septemeber of XXXX you are in silence never respond emails or calls back I am tired of the run arounds and worse not even mail you send me anymore just calls stating to pay, pay what a debt that is not mine I will ask the cfpb for assitance to help me with this mess the accounts in question are the next XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Fortiva financial services continues to contact me after I asked them to cease and desist from communicating with me regarding furniture financing. I would like this charge somehow removed from my credit reports as I am fixing my credit and have accounts now in great standing.
Product: Payday loan, title loan, or personal loan

I applied for loan and it got approved on XX/XX/19 online with Wells Fargo. They put money in my account. At the end of the month I received a letter stating the amount of XXXX was due in full and was going to be charged off. I contacted several representative and actually went to the bank. They don't know what's going on, I was assigned case numbers. Someone stated account was n bankruptcy it's not I've been discharged and approved for loan. I think something fraudless is going on. I'm thinking they reached their quota for end of month set me up an account and then let it go. It's not right. Wells Fargo owes out alot of money due to this already. This will be hurting my credit. Please help. My payment was due on XX/XX/XXXX but they took portal down, and I shouldn't be making payment to a charger off account they closed with no record of. I have the documents I signed for loan. Not only that they have charged off credit card I use to have they stated debt income ratio but I never used the card but they kept other card open that I swipe alot.
Product: Debt collection

This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by a natural disaster and have requested numerous times to have the late fees removed from my account as well as off my credit report. They refuse to remove them. I had it listed on my credit report affected by natural disaster. They need to remove it.
Product: Debt collection

XXXX XXXX XXXX has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at 0 balance and that I should report XXXX XXXX XXXX to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX accessed my personal credit report. This inquiry is a result of identity theft. Federal Trade Commission Identity theft report is currently on file, and as a result an extended fraud alert was placed on my credit report recently. Wish to dispute this inquiry and have it removed as a result.
Product: Credit reporting or other personal consumer reports

I have hard credit inquiries that should not exist because they do not have my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion
Product: Prepaid card

Rush card holder my direct deposi was sent rush on XXXX XXXX 2015 an as of to have received my funds on my card
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to remove some incorrect information on my file and they claimed to have verified it even though the company said they could not validate the account. I personally contacted the company letting them know they were trying to collect on an invalidated account sold by another company and they were to cease collection and the credit reporting agency still has not taken it off. These accounts need to be removed.
Product: Debt collection

Southwest Credit Systems, L.P did not contact me or provide a notice to dispute the debt from XXXX XXXX  for less than {$40.00}. Instead they put it on my credit report as not paid. I saw this on my credit report and immediately called them to pay. I never received a bill from XXXX  or southwest. I asked southwest to remove it from my credit report after I found out about the debt and subsequently paid it, and they refused to remove it. Then southwest sent me the 1st communication to pay the debt via email two days after I paid it! I told them I would file this complaint and Im happy to provide as much supporting evidence as possible. How they handled this was not right. They never provided me a bill nor an opportunity to dispute the debt. I believe this debt collection agency is violating the FCRA and their practices should be scrutinized. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXX = Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Legal Basis for Dispute and Unyielding Demands : XXXX. FCRA XXXXection 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the inaccurate information that Equifax has been reporting on my credit report Upon reviewing my credit report, I discovered that Equifax Is reporting erroneous information that has severely damaged my credibility and caused significant financial and emotional distress. This inaccurate reporting is in direct violation of the regulations set forth in the 15 U.S. Code 1681s2, which prohibits the furnishing of inaccurate information to consumer reporting agencies. 

Specifically, Equifax has reported a debt as part of my credit history, which is entirely inaccurate. According to the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns, not as debts on consumer reports. Thus, the reporting of this account as a debt is not only incorrect but also contradicts the established regulations. 

The IRS clearly defines a charge off as gross or ordinary income, which should not be reported on the consumer report. Therefore, the reporting of this account as a debt is unequivocally inaccurate. 

Furthermore, I have not received a Form 1099-C from any data furnisher, despite the fact that it is required if the canceled debt exceeds {$600.00}, as stated in the IRS guidelines . This form is crucial for accurately reporting taxable income, and its absence further corroborates the inaccuracies present in Equifax 's reporting. 

This incident has deeply disturbed me, as it has had a profound impact on my financial well-being. I am taking proactive steps to rectify this situation and ensure that my credit report reflects accurate information.
Product: Mortgage

My property tax bill from XXXX XXXX for XXXX is {$720.00}. Because I have an active mortgage, this tax is usually paid by the mortgage holder, PNC Bank. I noticed while doing personal tax research that half of this tax bill for XXXX is still unpaid. The due date for the second installment was XX/XX/XXXX. I have contacted PNC several times. I have been given various excuses for the bill not being, all incorrect. Some staff have claimed there is an " extension '' for taxes for XXXX XXXX. There is no public announcement of any extension and no mention of an extension on the XXXX 's website. I have received no hard copy announcement of any " extension. '' Another excuse I was told was that they haven't received a bill for the second installment. I tried repeatedly to explain that there would not be a second billing because the bank was already billed for both amounts in XX/XX/XXXX. Then I was told the amount would be paid " some time '' this month, but with no explanation for why the payment was not made before XX/XX/XXXX. Late fees will begin accruing on this already overdue payment on XX/XX/XXXX. I have repeatedly told PNC I will not be liable for any late fees. They refuse to acknowledge any pertinent due date or explain why this payment hasn't already been made. I don't understand why they didn't just pay the entire amount last XXXX. I don't understand why they would deliberate let the payment go overdue. I don't understand why they are waiting to receive a " past due '' notice and fees when they've already been billed for the full amount. None of this makes any sense. Why won't they just pay it?
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for an apartment was denied on XX/XX/2018 by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The agent said there was negative rental collection on the report that was provided by Real Page, using this identity and address : LeasingDesk Screening XXXX XXXX XXXX. 
XXXX, Texas XXXX ( XXXX ) XXXX http : //www.realpage.com/consumer-dispute I've contacted Real Page and have not been provided any additional details on the derogatory report or any means for resolving the matter. The net result is that I can not rent an apartment by any property management company in the XXXX area as it seems most of these companies use the same service from Real Page. 

I believe this company is in violation of the FCRA. 

Please contact me at XXXX or XXXX if you have any questions or suggestions for how to resolve this matter. 

XXXX XXXX
Product: Student loan

I have called almost weekly since the end of XXXX to figure out when interest accrued and/or paid on my account would be refunded and/or removed from my account due to the 0 % interest rate that was SUPPOSED to be active on my account during this time ( XXXX XXXX XXXX  ), but was not. Because of this, I have paid {$400.00} in interest between the months of XX/XX/XXXX and XX/XX/XXXX ( when there shouldn't have been ANY interest accrued ) and have accrued an additional {$200.00} ( which again shouldn't have accrued ). MOHELA has stated twice from former complaints that this would be and actually HAD BEEN done. Interest accrued or paid has NOT been removed or refunded and is continuing to capitalize, therefore the company is providing false information. There is also no timeline for when this will be done because representatives are unable to give any answers from conversations held on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Reported XXXX inquiries not made by me 2 capital one XXXX XXXX They are not tied to any cards of mine I tried to dispute on all three bureaus Also was part of a breach
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Re : XXXX FACULTY PRACTICE GROUP REF # XXXX USCB AMERICA I am responding to your notice about collecting a debt. You contacted me by XXXX MAIL and did not address a date you endorsed the notice. You did however demand a response by XX/XX/2023 and XX/XX/2023. Please be advised I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make all other communication with me with via email listed above. 

I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute inaccurate and duplicate information on my credit report. The accounts in question are : 1. XXXX XXXX : XXXX XXXX XXXX ( Account XXXX ) 2. XXXX XXXX : XXXX XXXX XXXX ( Account XXXX ) Both entries reflect the same debt associated with a repossession of a vehicle. According to my understanding, when a debt is sold or transferred to a collection agency, the original creditor should no longer report an active balance. However, both accounts currently show balances due, which appears to be double reporting for the same debt. 
I request that you investigate and correct this error by removing or updating the duplicate entry. Enclosed, I have provided the following : Copies of both account details from my credit report. 
Any additional relevant documentation. 
Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX tried to dispute it on XXXX, but they did not change anything.
Product: Credit reporting or other personal consumer reports

I was stunned to discover inaccurate accounts on my credit report this morning, and I dont understand how they appeared. I regularly check my report, and this time, these discrepancies seemed to come out of nowhere. I even tried refreshing the page, hoping it was a temporary glitch, but nothing changed. The inaccurate accounts were still there. Because of this, Im requesting that the documents Ive provided are reviewed carefully so I can stop worrying about this issue for good.
Product: Mortgage

I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.