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

Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a XXXX XXXX XXXX  that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from XXXX XXXX XXXX. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting XXXX XXXX XXXX in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  account and a credit card for that account that was enrolled in auto pay for several years. At some point, my credit card was stolen and after reporting I was sent a new credit card. I did not use this card for a few years until I was asked to either use the card or the account would be closed. Consumers should not be forced to use a card. 
However, I used the card to make purchase and months later I received an alert on my credit monitoring service that my account was delinquent. 

On contacting the customer service dept about why my card did not auto pay the amount, they mentioned that discover uses the same number for credit card and account number ( an internal detail ) and that changing a credit card number changes the account number and therefore the auto pay setting was turned off. I received no email, no text message, no phone call notifying me that my account was past due. When I talked to the agent she asked me to check my statement and my statement showed due date in the future and no indication of having missed a payment. She then walked me through the previous balance and interest charged and then mentioned because you have previous balance your account should be considered due ( Note that accounts can have previous balance even if you make minimum payments and this is not an accurate method to say the account is past due ). Totally horrible customer experience and discover was not willing to acknowledge that they are at fault. 

Internal details of a company and how their cards or security work shouldn't impact the end client and their financial future.
Product: Credit reporting or other personal consumer reports

I provided them the name of the account and I highlighted the incorrect information on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

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 THESE ACCOUNTS ARE FRAUD AND I AM A VICTIM OF IDENTITY THEFT
Product: Debt collection

XXXX  XXXX  is on my credit report I dont owe them nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX Bank and its showing late payment on XX/XX/XXXX and XX/XX/XXXX. I was never late.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sued by LVNV FUNDING, LLC for a time-barred debt for the amount of {$4900.00}. The last payment made towards the extended credit was on XX/XX/XXXX. The account went into default on XX/XX/XXXX. Which made it time-barred on XX/XX/XXXX. On XX/XX/XXXX is when they filed their lawsuit against my XXXX XXXX name. 

The original creditor sold my debt to the debt collector on XX/XX/XXXX. In the lawsuit they claimed that XX/XX/XXXX was my " Last payment made '', which was the first deceptive practice that they claimed in there lawsuit knowing very well that was false. 

In California Statue of Limitations is 4 years to be able to file a suit. They sued me 4 years, 1 month and 2 days. 

I was in and out of court for 6 months while teaching myself how to represent myself against these deceptive claims. On XX/XX/XXXX I finally was able to prove my case in court and had my motion to dismiss- Statue of limitations granted by the judge.
Product: Payday loan, title loan, or personal loan

I got a payday loan through the XXXX XXXX in XXXX Illinois in XX/XX/XXXX/XX/XX/XXXX. I paid the amount due and paid the entire loan off in XX/XX/XXXX in the amount of {$220.00} and was told there was no balance due. I now have it on my credit report for {$220.00} in debt because they never credited my account that it was paid. I am upset that this is still on my credit report even though it has been paid off entirely.
Product: Credit reporting or other personal consumer reports

I have filed a complaint with XXXX XXXX XXXX about inquires on both my Experian and XXXX account that have not been resolved or deleted. 
All inquiries from XXXX from both companies are identify theft and breach XXXX usc XXXX where theyve defamed me, my credit report and XXXX my credit score and XXXXXXXX. Ive tried disputing them online/ on the phone/ mailing letters. No resolution has happened and I need them gone immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My NAME is XXXX XXXX XXXX. 

According to Early Warning System : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, These accounts are not mine. this is fraud please delete. 


Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : 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 Please ALSO delete : Phone Numbers : XXXX ; XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A PART OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Billing XXXX XXXX NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : 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

I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section 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 report by more than seven years.

15 U.S.C. 1681s-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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.
Product: Checking or savings account

Wells Fargo has completely frozen my business account without reason. It was a new account and I had two ach payments from customers ( my company does data storage services ). Apparently one of the ACH payments flagged something on their automated system and they froze my account, stating they were closing it on the XXXX of XX/XX/2023. 

I then had a other ach payment hit. This was already in the process by the time they froze my account and I could not cancel it from the customer. 


Now they have prolonged the freezing of the account and refuse to either lift the freeze and give me my money 's or close the account. They are purposefully delaying the closure of the account beyond what anyone would deem a reasonable time.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

On XX/XX/2021 I received a court summons stating Velocity Investments LLC was suing me for an unpaid loan. I have never heard of this company before and do not owe them or anyone any money for an unpaid loan. This company attached blank loan documents with the account number blacked out and no signature, but have stated I am responsible for this loan. There is no information about this unpaid loan and why I owe them $ XXXX. This is ridiculous that some random company can try to sue me without any evidence that I owe them anything. No one has ever contacted me about any unpaid loan, but now all of a sudden Im being sued.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This is currently hurting me as I am in the process of trying to get my own apartment please remove these from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I followed the procedure of using your FTC affidavit and obtained a report from the police department and Equifax and XXXX are not following the law ( 15 USC ) regarding identity theft. I am former XXXX ( just not practicing ) and am aware of my rights. 
There are erroneous things on my report. I have never had any involvement with any bankruptcy and have submitted the police reports to XXXX, Equifax and XXXX XXXX, who was the only C.R.A to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia Motor Finance has a collection on my credit file being handled by XXXX XXXX  XXXX. I made an arrangement to settle the debt with XXXX where they agreed to remove the remaining balance from my credit files. They did NOT REMOVE THIS BALANCE. I have disputed the balance with all three credit bureaus and filed a cfpb complaint for that process. 

I am filing this complaint against Kia Motor Finance because section 623 of the FCRA provides the SAME 30 DAY TIME FRAME for handling disputes for the data furnisher that it does for the credit bureaus. 

It is a violation of federal law to leave a balance owing when I settled the balance in full with an agreement to remove it. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted fro
m the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Hello Gold man Sachs is trying to knock off Apple card customer Now, I had a payment to be paid by XX/XX/XXXX and one that is current due for XXXX Statement on XX/XX/XXXX, I made both payments on XX/XX/XXXX but posted on XX/XX/XXXX, however If it was posted on XX/XX/XXXX or XX/XX/XXXX it is not past due XXXX nor delinquent since XXXX month is XXXX  days and technically if it was normal month I would be paid in the XXXX day of it I reached out to Apple customer service and they informed me that this is was their mistake reporting and will rectify it, they confirmed it by message below and by phone call XXXX reported me paying XXXX and XXXX overlapping XXXX, which ironically XXXX statement will be issued by the end of the month as their due date
Product: Credit card

Ensuring payments are consistently made on time for this account has been my practice, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the existence of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts in collections that aren't supposed to be because they were paid off. Other inquires on account aren't me/accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 have great credit capital one refuses to give me a loan why Race?
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section XXXX, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXXXXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

The following company had done an hard inquiry with equifax without my consent. 
XXXX
Product: Checking or savings account

After the only phone communication with a Wells Fargo representative XXXX XXXX, I received an official email ( attached ) full of false statements. 

In particular : 1. She stated I was told something by phone by a Wells Fargo representative on XXXX XXXX XXXX 

FALSE STATEMENT I did NOT speak to any Well Fargo representative on this date AT ALL 2. That XX/XX/2024 events take place before XX/XX/2024. 

FALSE STATEMENT on a year calendar sequence XX/XX/2024 Is after XX/XX/2024 not before, as was stated. 

I certify I am telling the truth and only the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX  XXXX BANKRUPTCY DISCHARGED *** XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

" XXXX XXXX '' is the company it sent me a bill without my knowledge without asking me anything and i did not see any service done for the bill. they are trying to cheat me. they should have told me if they were planning to do anything. it is a fraud they need to take permission of customers before they do anything.
Product: Mortgage

1st. 5 years or so ago, Nationstar Mortgage, now Mr. Cooper. Kept screwing me around because i got behind 2 payment. First they had me pay 3 monthly pmts, then they said i didnt do it right, and made me do it again. Then they said i didnt do it right and told me i needed to refinance in order to save my home. They refinanced me at 40 year mortgage and added {$17000.00} on to my total. 
NOW they are trying to reposes my home saying i am behind 2-3 months, but my payment is made directly from my checking account to my morgage payment. XXXX has the record of 12 monthly payments for 2019. Thank you XXXX XXXX XXXX
Product: Mortgage

So I was a customer of US Bank XXXX XXXX for 5 years. Never really had any major issues other that my month to monthly payments changes the first couple years cause they didnt get the escrow right. The way I set up my account through them they were 100 % on charge of paying the property taxes. In my city you can pay in full or 2 different installment plans. They decided it was easier for them to do them 2 installments. My issue you is I found a way better interest rate with different Mortgage company and during that process of refinancing the 2nd installment of property taxes were gon na come due the month after I refinanced and my previous company ( US Bank ) did not send that info to my new company, when trying to figure out the problem with the property tax they are putting the blame on me when they are the ones in charge of the taxes. They 100 % new they only did the 1st installment and will not take any responsibility for notifyingthe new company of qhen the 2nd installment was due. Now I have a {$1100.00} tax payment I have to pay cause they were not on top of there game.