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

The Following accounts have been disputed several time through out 2021 last disputed XX/XX/2021. The accounts were marked as verified. However the information his not accurate, complete or even update. None of the information is the same across any of the XXXX credit bureaus XXXX XXXX XXXX XXXX date is wrong, payment history is wrong, missing data for several different months, but then reports again. 
XXXX Co XXXX XXXX there are XXXX different accounts listed for XXXX and XXXX I have called the courts, spoke with a judge. They agree that this should not be listed in my credit report. My oldest son is XXXX however there is not 9 years of payment history. 
The monthly amounts are not correct, The status dates are not consistent, Payment history is in accurate and incomplete. XXXX shows collection out of the blue with no prior payment history. 
XXXX XXXX XXXX Status updated is wrong and inconsistent, payment history is inaccurate/incomplete, no consumer statement that it was disputed
Product: Student loan

Ameritech Financial helped me enroll in a loan forgiveness program for being in public service ( I am a XXXX ). They did not disclose to me that there would be a monthly payment to them for their services. I am currently paying them {$100.00} a month through XXXX XXXX XXXX ( XXXX ). 

I received a letter from the Federal Trade Commission stating that they are currently suing Ameritech Financial for deceptive practices. I am acting on the steps included on the letter I received. 

I have contacted Ameritech Financial with the intention of cancelling my account, but they have not called back due to unusually high call volume. It is my intention to seek a refund of the money I have given to them.
Product: Debt collection

There is a debt from XXXX XXXX care for XXXX / from XXXX / I did not visit XXXX XXXX XXXX in XXXX I have insurance and if so a portion would have billed to our primary and secondary insurance/ I can find no record of XXXX XXXX XXXX  please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX  has provided me no details in the investigation or evidence so I want deleted
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. 
XXXX XXXX Account # XXXX, has violated my rights. 

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 card or prepaid card

XXXX XXXX XXXX card was sold to Goldman Sachs Marcus product. I have had no access to my credit card information for a week. I got onto their online system XXXX day and was able to make a payment otherwise it has not worked. Their online system keeps saying this : We're having some technical issues We know this isnt the screen you were expecting, but a website error is getting in the way at the moment. Please check back in a few hours our team is working on a solution. 

If you have an urgent matter, you can reach our Contact Center : Monday to Friday, XXXX am - XXXX pm, or Saturday to Sunday, XXXX am - XXXX pm ET. 

Savings & Insights customers : XXXX Personal Loan & MarcusPay customers : XXXX Business Line of Credit customers : XXXX Monday to Friday, XXXX am XXXX pm ET. 

XXXX customers : XXXX XXXX hours a day / 7 days a week. 

XXXX XXXX XXXX customers : XXXX We apologize for the inconvenience. 

When you call the XXXX number it says they are experiencing long wait times of over an hour try back later. This is terrible service! My card works but I can not verify charges or a credit I am expecting back on my card. An organization of this size should have been prepared for this and required to make sure the online system would work or at the least, hire more people to answer the phones. Customer service is starting off terrible.
Product: Credit reporting or other personal consumer reports

Lexi Nexis are reporting several addresses that do not belong to me or any transactions associated with me. I was a victim of the 2017 XXXX XXXX XXXX where my name, address, and social security was compromised. The following addresses are due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are ruining my credit worthiness, reputation and character. Furthermore, the collection from XXXX XXXX XXXX with a account XXXX XXXX balance of {$540.00} does not belong to me or any transactions associated with me. This is a fraudulent collection account. 
I am will continue with the prosecution if these fraudulent addresses are removed form my Lexis Nexis consumer file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my XXXX XXXX, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

All XXXX XXXX XXXX XXXX has turned my account over to a collection agency. However, even after doing so, they continuously call me, and they continue to send me bills that have increased 10 times over compared to what the collection agency states is owed.
Product: Checking or savings account

my account showed positive this morning now the bank is saying that it is in negative it is I had a credit go in the same day as transactions went out. they have changed it around so that my account appeared to be in the negative first. this is so unfair and seems to be constant with citizens bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.
Product: Credit card or prepaid card

We received two packages in the mail, one each from Mongomery Ward and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I googled it came back as a fraudulent : XXXX. I simply want the accounts closed. I worked with identity theft.gov and sent required letters to both companies. Spoke with representative XXXX and she relayed they did not receive my letters. I mailed certified letters and company acknowledged receipt, but still haven't closed the accounts despite working with the XXXX  and local law enforcement. I'm certain the companies internally set up the fraudulent accounts and now won't close them. 
Beyond calling a lawyer what else could/ should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report after not using my credit for years and there is multiple accounts in my name that do not belong to me and I did not authorize. I filed a police report and an identity theft. I also filed disputes with all 3 bureaus. Some it was deleted. but when I called today I was told the XXXX account showed proof it was mine and I could not redipute. I don't understand how that can be possible when it was not me and I was not sent this supposed proof either. They said it like there is nothing I can do. That account and one with XXXX XXXX are the only 2 fraudulent accounts that remain and I should not be held liable for accounts I had nothing to do with and did not authorize.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/2024 asking them to remove unauthorized hard inquiries. And they refused to help me
Product: Credit card or prepaid card

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 account : XXXX XXXX XXXX XXXX XXXX XXXX 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 on time as they should be as I was NEVER Late. 
Thanks,
Product: Debt collection

Unifin calls everyday, at least once a day, up to three times a day. If I don't answer, they generally leave a message. I answer once or twice a week and inform them that I will not be giving them personal information over the phone. I have asked several times to only communicate via mail. I have asked for a debt verification letter. I have receved nothing but these phone calls for months. Some of their agents hang up on me at this point in the conversation ; others argue with me and try to insist I give them personnel information, including my address and SSN.
Product: Credit card or prepaid card

XX/XX/XXXX Dispute initiated by customer Amount : {$630.00} Customer called Discover credit card 10 times to customer service, dispute, card fraud investigation XXXX. Customer received 10 different answers from different agents of Discover. At first, customer was advised to call back after 14 days after XX/XX/XXXX. Another was the credit will appeared and credited within 3 days which is XX/XX/XXXX. Another was the credit will appear on XX/XX/XXXX at XXXX EST. Another was the credit will appear 72 hours after XX/XX/XXXX. Another is the credit maybe will be posted on XX/XX/XXXX ... 
The credit has not been credited and appeared on the account. Customer has been a member for 20 years and it is disheartening to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts and inquiries on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Wells Fargo acting as the Servicer of this Mortgage has failed to meet all of its requirements under XXXX and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of XXXX law is based on Wells Fargo improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Wells Fargo has repeatedly denied us help several times we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass off our file amongst each other just to create motions and delays. We intend to keep our and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Wells Fargo Mortgage illegally commenced and is conducting a foreclosure while reviewing and attempting to find work out relief options for us. They have mishandled documents and our file several times and failed to properly communicate with us. They have clearly violated XXXX specifically under the ''dual tracking '' clause. Wells Fargo instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Wells Fargo and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there is no reason why Wells Fargo should have denied our request or started foreclosure on our home.
Product: Consumer Loan

In XX/XX/XXXX signup with XXXX was told it would work in the area I was living and that I had thirty days to return it- I returned it almost immediately and went with another provider -- he did not work correctly, connecting issues and dropping issues. I called customer service several times finally they agreed since we where out on the plains there could be connection or service problems in that rural of area. They told me what to do to send it back and I did. Only to discover years later 3 yrs later- they filed it into collections as if I didnt do something. I have tried to discuss and get it removed- collection agency refuses- I even talk with XXXX XXXX. This collections is wrong. Please review my credit I may get behind on Medical as Medical is sooooo hard but everyone of my consumer accounts get paid. 


STELLAR RECOVERY XXXX XXXX XX/XX/XXXX Open {$430.00} Account Details Last Reported XXXX Collection Agency STELLAR RECOVERY Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$430.00} High Balance {$430.00} Remarks Placed for collection Creditor Contact Details STELLAR REC XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

US Bank was the lien holder on my vehicle which was involved in an accident on XX/XX/2021 that resulted in a Total Loss. On the date of the accident, the balance owing was {$17.00} XXXX. I continued to pay my installments to keep my account current while the insurance company was processing the property loss claim. The insurance eventually paid {$14.00} XXXX. On XX/XX/2021 I canceled the mechanical protection plan with XXXX XXXX XXXX XXXX. On XX/XX/2021 XXXX XXXX issued two checks to US Bank for this refund. One check in the amount of {$480.00} & a second check in the amount of $ XXXX.Please see the cashed attached checks. It came to my attention in XXXX that US bank had not applied these checks to my account. Then began my almost daily calling to US bank to trace the checks. Every time I called, there appeared to be no evidence of these checks or my previous calls. I followed up with XXXX XXXX and received copies of the cashed checks. I emailed, snail-mailed and eventually in desperation faxed the copies of these cash checks in a desperate appeal for help. But all I received was a collection note which I immediately responded to and was given the same treatment. I have literally spent hours calling US bank, following up with emails & more phone calls, and last night when I received a notice that my credit report now has a delinquent notice reported I decided to lodge this complaint. Please can you help. This is very unfair and has very serious ramifications on my credit and my life. I have worked very hard to have impeccable credit and this incompetency is completely unfair.
Product: Credit reporting

I disputed this company with XXXX and XXXX. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. XXXX and Transunion is the only XXXX still have this on my credit report. XXXX and Transunion are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX # XXXX unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXX
Product: Debt collection

Hello, I have reached out to ARS several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a SIGNED CONTRACT that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
Product: Prepaid card

On XX/XX/2023 I got a Visa Gift Card as a XXXX gift in the amount of {$50.00} it was fully sealed and never opened from what I can tell. I went ahead and went to the website that the card suggested on the back of the card and " activated '' it upon doing so I noticed 2 things. In the transaction history it showed the date of when it was bought which was XX/XX/2023 and loaded up with the {$50.00} but less then 48 hours later there was a transaction at a XXXX location using the full amount which was on XX/XX/2023. Right away on the same exact day I contacted them and wanted to dispute this. From what I can tell I suspect this card was tampered with I tried to explain this to the company but they keep dragging me in circles asking for the receipt when in fact its a gift card to me why would I have that?
Product: Debt collection

I have never signed a HIPPA release form with the alleged creditor ; CCs Collections- Lab Corp.Therefore these are inaccurate and are HIPPA violations
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, I'm writing to dispute the following information ELEVATE RECOVERIES LLC reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : ELEVATE RECOVERIES LLC Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : YC Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Transunion written permission to furnish this accounts. Account : XXXX XXXX XXXX XXXX XXXX XXXX