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

ADDENDUM TO XXXX : XX/XX/2022 -- Still had a problem with logging directly into my account. I finally was able to get into my account by using XXXX email as an option to log in. When I got into my account, I immediately tried to change my password in my Profile, but the Experian website would not allow me to edit and create the new and correct information for my password. Not only this, but I also noticed that there was incorrect information on my credit report. I recently paid off one of my accounts in full on XX/XX/2022, but the information on my credit report in " Alerts '' instead reported a " higher credit usage of 32.4 % '' instead of a " credit decrease '', on XX/XX/2022. ( I had also previously called XXXX, XXXX XXXX, for this paid off credit card and asked " why '' this was reported to Experian in this manner, and the XXXX representative XXXX XXXX, XXXX me that this information had not been reported by XXXX XXXX and instead, to immediately contact Experian as Experian had placed this on my report ). I logged off. 
I then called Experian at XXXX again for the 6th time to report these two incidences. I spoke to Experian Representative, XXXX, who checked on the incorrect information in my credit report and said that she would submit this to the membership Department as a dispute and informed me that it would probably take at least 30 days to see the corrected information. XXXX then transferred me to XXXX, another Experian Representative, to help me with my login information. Although she tried, her instructions did not really help. But So DID give me the technical troubleshooting email which was previously denied in my first submitted complaint : XXXX. I hung up with XXXX  and tried again on my own to directly log into my Experian account, not doing anything differently, I was finally able to get in, create and set a new password. I then tested my username and password by logging out and logging in again to make sure that it worked. It did. I am now waiting to see if Experian will correct the incorrect information submitted. I would also like to know WHO reported the incorrect XX/XX/XXXX information and the process for reporting information to Experian, because, if Experian is allowed to just place incorrect information on a consumer 's credit report or a creditor such as XXXX, is allowed to report incorrect information, this behavior can strongly hurt and not help the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a speaker from XXXX XXXX. I opened a XXXX XXXX credit card at that time. My bank, XXXX XXXX, offered me a credit card to transfer the balance and pay off my XXXX XXXX credit card. On XXXX/XXXX/XXXX a check was sent to XXXX XXXX XXXX and was cleared the following day, XXXX/XXXX/XXXX, for the amount of {$490.00} to pay off the credit card. Best Buy claimed that to never receive the check, so I made a conference call to the department during the week of XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. On the call a representative from XXXX and XXXX XXXX, and employee of XXXX XXXX XXXX XXXX in XXXX, Utah, where I bank at and where the check to XXXX XXXX originated from. During this phone call, XXXX had faxed over a copy of the check and it was confirmed that it had been sent and that everything was paid off. On the date of XXXX/XXXX/XXXX, I left for XXXX XXXX XXXX XXXX and was under the impression that everything was taken care of. When I had returned from boot camp, I received a phone call from a collection agency to receive payments. I then made another phone call to XXXX to get it all sorted out again and nothing was done again. 

To date, my credit report does n't not reflect the balance payoff, but it is showing late payments and the like even though I paid off the account. I have disputed the account with the credit reporting agencies, but nothing had changed and my credit is still negatively impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my credits 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) STATES ; NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION. OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Opened my sole prop checking online, never visited a branch. After being charged monthly fees I was not expecting, I zero 'd out the account and tried to close. Waited hours on hold only to be told they wanted me to travel a long distance to a branch I had never been to before, otherwise they would refuse to close it. I don't live near a branch and it was never disclosed that traveling to a branch was required for basic banking functions.
Product: Credit reporting or other personal consumer reports

To whom it may concern. CHRYSLER CAPITAL are practicing inaccurate and unfair practices by reporting a charge-off on the credit report. I've in the past filed CFPB complaint for it to be removed due to CHRYSLER CAPITAL not sending me the 1099c. I need the account ending in XXXX for {$780.00} removed upon receipt with the 1099c sent out via the address on file. I will seek out to the FTC if for some reason this matter is not taking seriously. Please send 1099c for tax purposes for the charge-off reporting on my Consumer report. 
Thank you! 
Best regards, XXXX XXXX
Product: Credit card or prepaid card

A chase debit card was opened in my name and I was sent a card to activate. I did not request this and I heard on the news that people in my area were also getting the cards which was determined to be a scam. I spoke to Chase and they are deactivating the accts, but I need to fill out a form they are mailing and file a police report.
Product: Credit reporting

I assert that Equifax is retaliating against me for having filed a complaint against them with CFPB, in that they have disallowed my ability to file a dispute online and the automated system does not recognize my PIN and personal information when lifting a security freeze. Each time I 've reported the problems, Equifax staff state that it 's just a system error. I have to waste hours on the phone to file a dispute against ant inaccurate records and experience great delays with processing the lift of my security freeze when seeking to apply for credit. Their conduct is assertedly retaliatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was car shopping on XX/XX/2019 and found a car that I was interested in at XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX, GA XXXX I expressed to my sales rep that I did not want to apply for financing yet before looking at my other options because of the hard inquiry. He literally said that it would not do a hard inquiry and that I should at-least see if I'm approved before leaving. So he talked me in to it ***as long as it did not do hard inquiry*** XXXX & XXXX CA both did a hard inquiry on my credit that day, XX/XX/2019, unauthorized. 

I can not find where to dispute this with the companies. 

The next day I purchased a car at another dealership. The XXXX inquiry on XX/XX/2019 was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that has been re-aged by the debt collector and is inaccurately reporting on my credit report. 

The account in question : NCB MANAGEMENT SERVICE # XXXX This account is tied to XXXX XXXXXXXX # XXXX. 

The date of first delinquency was XX/XX/XXXX and it is being reported by NCB MANAGEMENT SERVICE that the date of first delinquency was XX/XX/XXXX. I asked that the account be verified and it came back verified, however this is not possible since this account was NOT opened in XXXX and has clearly been re-aged. Re-aging a debt is highly illegal and I demand this account be removed immediately, as my consumer rights have been violated. 

According to FCRA Section 623 ( a ) ( 5 ) ( a ) : " In general, a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action ''. 

My rights were violated as this account has shown up as a duplicate on my credit file and is littered with incorrect information and re-aged dates. This must be removed from my file ASAP. I have attached photos of the account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachment There is incorrect information reporting on my consumer report far as incorrect hard inquires
Product: Debt collection

American Collection Enterprise is attempting to collect on a medical bill that was paid. I had two insurances at the time service was rendered and they were XXXX and XXXX. This bill was paid about 30 days afterward the insurance company paid the requested amount. This bill also has some added fees. This bill was never this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

Complaint Details : I am filing a complaint against TrueAccord for attempting to collect a debt that resulted from identity theft. 
The original creditor, XXXX, account XXXX ( was previously notified that this account was fraudulent, and I have already provided a police report and identity theft documentation to them. Despite this, XXXX continues to erroneously forward this debt to collections, and TrueAccord has been contacting me regarding payment. 
Key Issues : - I have submitted a police report and supporting evidence to XXXX proving that I did not authorize or incur this debt. 
- Despite this, XXXX has failed to remove the fraudulent debt from their system and has instead forwarded it to collections. 
- TrueAccord is attempting to collect on this debt, which is causing me undue stress and potential damage to my credit report. 
- Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to have fraudulent accounts removed and to not be harassed for a debt I do not owe. 
- I have requested validation from TrueAccord and XXXX, but they have not adequately addressed my concerns. 
Desired Resolution : - Immediately cease all collection activities on this fraudulent debt. 
- Confirm in writing that the debt has been removed from collections. 
- Ensure XXXX updates its records to prevent this debt from being re-referred for collection. 
- Prevent any negative reporting to credit bureaus related to this fraudulent account. 
I am requesting the CFPBs assistance in resolving this matter and ensuring that both XXXX and TrueAccord comply with federal consumer protection laws. 

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

I purchased a car from XXXX XXXX XXXX, but they are no longer in business. A new company has taken over the loan XXXX XXXX. My credit report is reflecting that I have two loans on the same car. I have requested documents from XXXX and I have yet to receive documents.
Product: Mortgage

XXXX XXXX, 2016 To whom it may Concern : I, am stating I sent Ocwen Loan Servicing , LLC a letter of settlement of account by certified mail on XXXX XXXX, 2016 and a QWR by certified mail on XXXX XXXX, 2016 and Ocwen responded back to me on QWR on XXXX XXXX, 2016. I still have n't received answers/concerns regarding the loan. I am requesting a {$13000.00} settlement or modification of {$24000.00}. 


Thank you,
Product: Debt collection

This company contacted me a XXXX  months ago on XX/XX/2023 threatening to sue me if I didn't pay them for a charged off debt with Speedy Cash. They had sold the debt to a company called XXXX XXXX XXXX whom I paid through a debt consolidation company. I sent them the receipt for said payment and at the time they basically declined to accept it. Prior to that I provided them with my debit card number. Because they refused to accept the receipt I called Speedy Cash whom they were saying was going to sue me and they said they were doing no such thing. I cancelled that debit card before they could do any damage. I had blocked their number but today they got through again leaving me a message saying this was a notification of a legal action. I did a reverse look up of their number and they come up as a scammer. The most concerning thing to me is that they have my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and Experian and XXXX. This is hurting my credit report and need to be removed
Product: Checking or savings account

Someone stole my husband 's bank card to purchase a bottle of $ XXXX cologne. This cologne was mailed to our home. When we get packages that we know we didn't order, we throw away ( happens a lot ). Then, we saw the charge on our bank account. We told the bank that we did not purchase this, we even had the guy 's IP address ( he was in a different state ). They investigated. Then they said we have to pay for it since it was delivered to us. Do we have to get charged for this even though we did not order it? If I would have known we were going to be charged, I would have mailed it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX  XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/
Product: Checking or savings account

I was contacted about my social security being used to open a account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed with TransUnion to delete 2 accounts on my credit. These accounts are not mine and I also asked for proof of these accounts. TransUnion sent me a letter on XX/XX/2021 saying both account were mine, but never gave me any proof of any account. 

The first account name is from XXXX XXXX XXXX - Account number is XXXX in the amount of {$400.00}. 

The second account name is XXXX XXXX - Account number is XXXX in the account of {$2200.00}.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear XXXX XXXX, I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with XXXX XXXX XXXX, the original creditor, and the subsequent actions taken by XXXX XXXX, a third-party debt collector. 

As an XXXX, I provided XXXX XXXX XXXX with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. XXXX XXXX XXXX as the original creditor, is expected to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. 

Regarding XXXX XXXX, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines by XXXX XXXX XXXX 

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party, in this case, XXXX XXXX XXXX XXXX conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money XXXX XXXX XXXX has generated from my security and its current valuation. 

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of all parties involved. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that both XXXX XXXX XXXX and XXXX XXXX will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Product: Debt collection

The company calls or texts repeatedly. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Vehicle loan or lease

I am a consumer. I sent several certified return receipt Afffidavits Of Truth with Clerk Of Court acknowledgments of the Affidavits and Notary Public. 
1. ) Certified Return XX/XX/XXXX 2. ) Certified Return Receipt XX/XX/XXXX 3. ) Certified Return Receipt XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with hard inquiries that I called the companies that did they hard inquiries with no results they had no permission from me to check my credit report, So I contacted  XXXX  and Transunion and they said to bad need to contact the company to dispute I told  XXXX  and Transunion and some of the inquiries I contacted the phone number was disconnected and the company didnt exist so I contacted   XXXX   and Transunion back they said they didnt care and will do nothing they allowed companies to check my credit and   XXXX   Transunion had nothing on file other then my name and still let the company check my credit file.
Product: Credit card or prepaid card

This company Is giving me a hard Time I submitted an application and I have a fraud alert on my credit report they refuse to process my application and delayed me for days it says pending and they wont complete the verification with me to have it approved they claim they have a technical error which to me doesnt make sense I wish they would stop this nonsense and approve me with the verification that is required if they only Knew how to complete it instead they argue with me and treat me horrible shame on you Amex
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of validation letters and dispute letters to all three credit bureaus and creditor XXXX XXXX for deletion of an account that was put on my credit around XX/XX/XXXX as a charge off account in the sum of {$1900.00} what that claim to be 3 lines with termination charges which I totally dispute. This account was never validated and for that reason was removed from account around XX/XX/XXXX but one month later it was back on reporting as a charge off bad debt but each month reporting late. My score has dropped 57  points already because it is showing 30-60days late payment and they keep adding to it. For 6 months now the credit bureaus have violated FCRA due to not deleting or validating with an original contract and signature. I have contacted the company as well and all they are willing to do is {$870.00} off {$1900.00} balance also this was sold to a 3rd party debt collection agency XXXX.