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

Against Credit Acceptance Corporation -Account been in dispute since XX/XX/XXXX - When Purchase was made no choice on lending institution- i believe preditaory -Sold a faulty product - Surrendered the vehicle purchase as it had a motor issue I could not afford. No resolve - Car dealership out of business. Sold a product i believe with known issues. Taken advantage of - Credit report states repossession and not surrender - Account settled and paid in full XX/XX/XXXX XXXX Creditor continues to report- Non payment for repossession - and a balance due- this account is paid in full see attached - numerous phone calls to creditor and disputes. They have refused/declined to correct credit report.or promised it will be corrected and have not - creditor pulled my credit without permission XX/XX/XXXX - I made written request of mandatory arbitration per the terms of my contract. With no response. I have been disconnected on phone calls many times regarding this ( all documentation attached ). 
- I am requesting my credit report be updated at the least to reflect payment on my settlement offer= paid in full in XXXX, ( all documentation attached ) - I would like my credit report to reflect surrender and not repossession. all documentation attached - I would also like consideration in deleting this complete file considering the circumstances ( all documentation attached ) -
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX - Account # XXXX Opened XX/XX/XXXX Balance : $ XXXX/// XXXX XXXX XXXX - Account XXXX XXXX Opened XXXX XXXX, XXXX Balance $ XXXX/// XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX Balance $ XXXX///XXXX XXXX XXXX - Account # XXXX Opened : XX/XX/XXXX Balance : {$900.00}. 
Inquiries : 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 XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to makecertain that everything is accurate. 
I am writing to formally dispute the inaccuracies contained in my credit report, which I obtained on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute information that I believe is inaccurate or incomplete.

Upon reviewing my credit report, I have identified multiple discrepancies regarding the accounts listed below that require immediate investigation. I have attached a Dr 's Note to show that i was in hospital during the date the account was opened.

According to 15 USC 1681c-2, any negative information that can not be verified must be removed from my report. Additionally, under 15 USC 1681b, I demand to know if the reporting entities have followed proper verification procedures. 

( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

I demand that these discrepancies be corrected in my credit report as obligatory under the law. 

INQUIRIES : 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 {$2200.00} - I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX  {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX- {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate. 
XXXX XXXX {$0.00} I don't recognize this at all. - This is also completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent charge on my credit report from XXXX XXXX I have never purchased anything from them.. I spoke with Experian today and they said they are going by what the company says, that isnt fair thats fraud, just because someone says you owe them dont mean they are telling the truth and for Experian to allow this I feel they are helping these fraudulent people.. The other two credit bureaus reported this as fraud Experian is the only one keeping it on my report.. I have no knowledge of that account with XXXX XXXX Experian let them update the information when its fraud, how can they update the charges to XXXX
Product: Debt collection

I received an alert on XX/XX/XXXX from my bank that my credit score had changed and that something was sent to collections for the amount of {$8700.00}. The debt collector was Credit Control LLC. Spoke to them on XX/XX/XXXX and they informed me an account was opened up with XXXX and that many different devices like cell phones and smart watches were purchased fraudulently. They gave me the number to XXXX, I spoke to them, and they informed me that it was unlikely that the issue would be resolved and that I would have to be responsible for the charges. I was informed that XXXX conducted an " lengthy investigation '' by a " Supervisor '' when the account was created and found the account to be legitimate. I was informed to complete an ID Theft Packet but that it was unlikely the investigation would be overturned and I would be held responsible for the debt someone else accumulated.
Product: Credit reporting

On XXXX/XXXX/16 I mailed a letter to Equifax requesting all things on my report be validated on my credit report with original documents with my signature other wise it should be deleted off my report. These accounts were not verified with proof and remain on my credit report I want these accounts removed immediately!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization I want to dispute and delete this off my credit report. 



Delete these accounts 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXX reporting ONE debt as TWO debts. They are listing it with two different account numbers and two different balances ( {$710.00} and {$700.00} ) when it is only one debt which is owed to a dentist for {$700.00}. These two listings are on all three credit reports, XXXX, XXXX, and XXXX. I have disputed these two listings repeatedly thru XXXX and by mail, requesting the accuracy of these two listings be verified or removed. Each time, nothing is done, the investigation report comes back as verified and correct on this bogus double listing. I am at my wits end not knowing how to fix this error on my credit reports since XXXX XXXX XXXX is incorrectly verifying these two accounts as accurate, claiming I owe over {$1400.00} when only {$700.00} is owing. This has been negatively affecting my credit reports and lowering my credit score for over a year now while I have disputed it over and over without success.
Product: Payday loan

I rec 'd a loan from dollar quick in XXXX XXXX loan was for XXXX. last month I revoked my authorization for any funds to be withdrawn from my bank acct ( XXXX, XXXX, hi. ) I asked for balance on acct and how much paid to date. they did n't respond to me. They ignored the revocation and went ahead and took money from my acct XXXX. I asked for my money back and again balance, amt pd and mailing address so I could just mail in payments. to date they still have not responded to my request. their phone # is XXXX pls help me here. thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts 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 recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX XXXX XXXX XXXX that was not reporting accurately. I have one missed payment in XX/XX/XXXXXXXX  reporting 30-59 days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

I asked the company to stop all payments XX/XX/2022 and have taken out a XXXX dollar out of my bank account ending in XXXX XXXX on XX/XX/2022 i am unable to login to account know ask why called and said my account is closed
Product: Debt collection

A week and a half ago I signed a contract to purchase a foreclosed property from a government entity penny Mac. The property is located at XXXX XXXX XXXX XXXX., XXXX, ME. The listing agent is XXXX XXXX of XXXX XXXX XXXX and the selling agent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have been making repeated attempts through my realtor XXXX XXXX to acquire the executed contract for my bank but Penny Mac is unresponsive. This demonstrates a poor business acumen and an inappropriate way to interact with the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit card

I was traveling last week and knew I had an upcoming Auto-Payment set for my Capital One credit card on XXXX XXXX from my primary XXXX checking account. The Auto-Payment was just less than my current balance so I linked a XXXX checking account to my credit card to pay the monthly bill with. I selected to make a one time payment for the amount due for the month on XXXX XXXX from that XXXX checking account and verified the details before submitting. I thought all would be fine. Upon returning today I checked and saw that the one time payment had been processed to my primary account, not the XXXX as I had requested. To further aggravate the situation, the Auto-Pay was processed as well for the full amount, even though my account should have show a XXXX balance on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed these 2 accounts on my credit report before notifying me within 5 business days. These two companies have not sent me anything in writing to explain why they have sent these accounts to the credit bureaus to upload them to my credit report. According to the FCRA, I am supposed to be notified in writing about accounts that are placed on my credit report and I was not notified. 

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

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : Name : XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX, MA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Debt collection

I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.
Product: Debt collection

Since the beginning of this year, I have received more than 40 contacts by lending USA and I have repeatedly told them. I am not the person. They are looking forward to collect on his debt and I have told him to stop calling me. Remove my information they can not verify any of the information to me due to privacy concerns, but they consistently call me without any validation, I have copies of over 30 voicemails that they have left me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. XXXX XXXX investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. XXXX XXXX XXXX XXXX did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Regarding TransUnion 's Reporting Practices Dear CFPB, I am writing to formally dispute the accuracy of information reported by TransUnion regarding my credit history. According to TransUnion, they claim to update information on a daily basis. However, I do not believe this is true in my case. 

I spoke with XXXX Saturday XXXX regarding an account that I paid off with there company on XX/XX/year>. They have confirmed they sent the updated account information to TransUnion ; however, I have not seen any updates reflected in my credit report. 

This lack of timely and accurate reporting is concerning and affects my creditworthiness. I would appreciate your assistance in investigating this matter further and ensuring that credit reporting agencies adhere to fair practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely CFPB If you have any other questions or need further assistance, let me know I see having proper documentation doesn't do any good. Also TransUnion is always behind by 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint comes after exhausting all my administrative remedies against XXXX to fix and error in their part after a fraudulent charge was disputed forXX/XX/2017, corrected and XXXX never cleared the late payment this charge caused. 

i have disputed this issue with the bureaus and XXXX without a successful resolution to the issue. additionally XXXX never notified me properly about this damage to my personal credit report until i had to pay the consequences of the XXXX score drop with all my finances. 

i pray and request XXXX clear this late payment reporting on my presonal credit report for the month of XX/XX/2017.
Product: Debt collection

I came into contact with ABC Financial as they manage the billing for XXXX and I began a two year membership in XXXX XXXX. I had moved more than 25 miles away ( XXXX of the requirements for cancellation ) and so I sent in the {$99.00} cancellation fee as well as a copy of the first page of my lease and the required cancellation document in XXXX XXXX. The check ( which included " membership cancellation '' on the information line ) was processed on XXXX XXXX, XXXX and so I assumed that that meant my membership would be cancelled since it seems improper to process a " membership cancellation '' check for any other reason. I then received a text in XXXX saying my billing method was invalid along with a yearly membership charge and a monthly membership charge ( these charges, as you can see in the attached document, were said to be " made at club '' but I have not visited the gym since XXXX so they were made against my will ). I called in and was told that they would talk with their billing department and try to locate the cancellation. I was called back around a week later and told that while they had processed my " membership cancellation '' check they were unable to locate my membership cancellation form ( even though these were all included in the same envelope and would have been received if the check had been processed ). Instead of admitting any fault they informed me that I would have to re-send my cancellation and that I would still be responsible for all of the months between when my original cancellation was received XXXX XXXX XXXX ) and when my new cancellation would be received XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well Equifax and XXXX all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as Equifax and XXXX are all ignoring the emails to keep my credit score low.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I made my final loan payment of {$260.00} to Ally Financial. The only amount that was left to pay was {$420.00} in late charges that had accumulated over the years. On XX/XX/XXXX, I notice that Ally had not updated my account balance with any of the major consumer credit bureaus since XX/XX/XXXX so I filed a dispute with XXXX. The dispute alleged that my balance was {$260.00} and not {$2400.00} as currently being reported. I uploaded to XXXX  a copy of a letter Ally sent me dated XX/XX/XXXX that stated my principal balance was {$0.00} and late fees {$410.00}. However, upon resolution of the dispute on XX/XX/XXXX, the only thing that was updated was 30 days late payment in XX/XX/XXXX for which I will file a separate CFPB complaint for. Again, I filed another dispute on XX/XX/XXXX regarding the incorrect balance and again on XX/XX/XXXX, the resolution was the same as last time, no update to my current balance. Again filed another complaint another complaint on XX/XX/XXXX and the result have not come back yet. In addition, Ally went so far as to change my XXXX credit report from correct current balance of {$400.00} back to {$2400.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX  ) has violated my rights under 15 USC 1681 section 602 states I have a right to privacy, 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide and with out this information this account should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXXXXXX XXXX XXXX