23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous correspondence regarding the XXXX XXXX Bankruptcy entry on my credit report, associated with XXXX XXXX XXXX. 

I sent a complaint about the Bankruptcy from my Credit Report and looks like XXXX was already deleted. However, Experian still refuses to remove it off my credit report. 

The court house already states that they do not report this to the Credit Bureaus. I have attached a document affirming the courthouse 's position, explicitly indicating that the information in question is not reported to Experian or any other Credit Bureaus. 

Given this confirmation from the courthouse, please remove the XXXX XXXX Bankruptcy entry from my credit report with Experian. Your cooperation in resolving this issue expediently is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX XXXX XXXX 5. XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 XXXX XXXX XXXX submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ).  They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted XXXX XXXX XXXX nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispure letters to all three major credit bureaus disputing inaccurate information. I mailed my dispute letters certified mail with a copy of my driver 's license ss card and a bankstatment with my current address on it. I sent 2 letters to each with no results or anything.
Product: Credit reporting or other personal consumer reports

Have accounts where Ive been charged a lot of late payments when I been paying everything.
Product: Credit reporting or other personal consumer reports

I have paid XXXXXXXX XXXXXXXX a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from XXXX stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are reporting
Product: Debt collection

I have been receiving calls from a company called RPM ( Receivables Performance Management ) for several weeks, claiming about a debt I own. I think they are either scammers or someone has given my personal information to them. I am an customer of XXXX insurance which was subject to a recent hack and data leak. 
They either call and hang up or leave messages. Most calls are on the weekends in the evening or early morning. The XXXX time I was able to talk to a representative they were unable to tell me what creditor or company was seeking payment from me. I hung up. I 've already checked my credit report and have no accounts in collection nor have I been turned over to collection by any of my creditor. I 've block the XXXX numbers they have tried to reach me at, but I still get voice-mail messages
Product: Credit card

Care credit refuse to gave me any information and told me that they will send me something to my address on mail but I never received it. I asked them for the address that was on file they would not give it to me. I told them that I didnt go to XXXX XXXX in XXXX but decided to not go through with the XXXX  and the appointment was free to see if Ill be a good candidate for it, but I wasnt. When I told them that they told me it was not cosmetic but they told me that it was for an animal and I dont own any pets. They told me it multiple charges. I asked them what all I need to do and they didnt tell me nothing I asked for addresses locations and I got nothing. I checked my credit in recently and I seen a bill for over {$2000.00} and now still the same thing. They cant tell me nothing or remove it. This is insane and not me at all this fraud. I cant even get the account number or anything to report to the police not even the month that it happened. I dont have a card number account number or nothing. Also, in XXXX of 2023 my car was stolen and o reported it in to the police. My id, ssc and more personal belongings were in the car as well as my cell phone which I had to get another one and replace all of my cards, ID and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's are reporting false Public Record information in my credit profile.

RE : XXXX COURT CENTRAL CALIFORNIA Docket # XXXX XXXX COURT CENTRAL CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include Equifax, XXXX  and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Product: Debt collection

The credit card was opened and payments were made however we had financial hardships and then the pandemic happened. there was a reduction of pay in the household as well as a death of an immediate family member. I reached out to XXXX who originally owned the account and offered to make XX/XX/XXXX monthly payments as long as no other interest is applied at the beginning of the pandemic explaining the household situation. I asked for a written confirmation. They did not reply. My father who is also Mr XXXX but with a Different Middle Name and the true owner of the house was just served a summons in my name and recorded without his consent - the gentleman that served said he was from the county of XXXX XXXX - he thought it was contact tracing and XXXX related as an XX/XX/XXXXveteran, the gentle man. The lawfirms information was incorrect. Additionally the lawfirm did not send any written communication regarding this or phone calls to me. The mother of my children was there to witness this all. This is unfair business practices and my father felt intimated.
Product: Checking or savings account

The card i own was stolen and account hacked. However when i went to see why there were such a large amount of money in my account the next day it were taken out and account was now overdrafted - {$1600.00}. Contacted SunTrust customer care and was informed there was nothing they were to be able to do about it. I was aware if having $ XXXX in my account which was what i was spending day by day. However this took that away.
Product: Credit reporting or other personal consumer reports

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both TransUnion and XXXX that I am part of the Transunion and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted XXXX, Experian, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Mortgage

I applied for a refinance of my home mortgage to lower my rate with a credit score over XXXX and excellent debt to equity ratio. My mortgage payments have never been a day late. My net worth is high. I was told it would take 9 weeka Now almost 5 months later still no approval. I am XXXX XXXX and feel this is discrimination.
Product: Mortgage

XXXXXXXX XXXX  sold my mortgage to Essex and never let me know, I was receiving several bills to pay mortgages from several companies so I assumed it was a scam. I called Essex who had sent me a bill and they had no information in the system. It wasnt until after XX/XX/XXXX that my portal was available and I finally called the direct number to essex and my info was in the automated system. The lady told me dont worry I had until XXXX before any late fees would be assessed. At this time i paid {$3000.00} because that is what i was told to pay at closing that is what i received a bill for and I was told that my first and second mortgage were included in one payment. Mind you I have no separate payment stubs in my paperwork for to pay my second mortgage separately. I additionally asked them this at closing and they assured me it was included all in one payment. They showed me the payment stub and said see this is what you send in. I sent it in just like that to XXXX they never check their XXXX XXXX so it just sat there for weeks, so ireceived a final notice via email from essex and thats when i called and found out XXXX  sold my mortgage, so i cancelled the check and paid on the online portal the XXXX not knowing they sent over the payment info wrong and Essex separated it and did not tell me also my insurance was almost cancelled because essex deliberately took to long to get my account setup all the while they are telling me dont worry i have until XXXX there would be no fees so dont worry We have plenty of time to correct this.
Product: Mortgage

My taxes and insurance are paid by escrow through my mortgage company, Wells Fargo. On XX/XX/XXXX, Wells Fargo sent payment to the wrong company and my insurance was never paid. I was notified by receipt of Notice of Cancellation from the insurance company for nonpayment. Upon researching I learned that WF sent the check to the agency, rather than the insurance company, despite the account being set up as " direct bill '' rather than " agency bill ''. The agency sent Wells Fargo a refund on XX/XX/XXXX ; however, my homeowner insurance was scheduled to be cancelled on XX/XX/XXXX. Adding to the complication, Wells sold the mortgage to XXXX XXXX, effective XX/XX/XXXX. 

In attempt to avoid cancellation of my insurance, on XX/XX/XXXX Wells Fargo informed me that they would send an overnight payment to the insurance company. Because I trust but always verify, I called the insurance company on XX/XX/XXXX to see if the payment was made. It was not!! I followed up with Wells and was told that Wells declined to send the payment because my mortgage was scheduled to transfer to XXXX XXXX. That transfer has no bearing on the fact that Wells never paid my insurance company, yet collected money in escrow. My insurance policy will be cancelled and Wells suggested that I pay the insurance company directly to avoid cancellation. That is not an option. I don't have an extra {$3500.00} to accommodate for Wells Fargo 's mistake. Wells never even called to inform me that they were not making the payment. 

Rather than take accountability, Wells wants to pass this issue off to the new mortgage servicer, even though the agency refunded amount is coming back to them at Wells Fargo. In jeopardy of cancellation, if anything were to happen to my home I'm in danger of losing everything if uninsured.
Product: Credit card

American Express Closed My Credit Card While they have still been accessing my account on their end over XXXX times and I sent the proof in the mail to which they havent responded to. I discovered their SEC filings and Im aware that my application was immediately transferred and securitized without my consent or authorization. They are profiting off of my private information, but closed my account. According to 15 usc 1681a ( 2 ) ( A ) ( I ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE.

Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a
Product: Debt collection

My credit report shows a collection from your firm, Capitol One. Furthermore, I do not feel this debt is accurate. I have the right to request and get debt validation UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. As a result, you have failed to provide proper validation for this debt. Under distress I was forced to pay for this, but after settlement I discovered this is not my debt. Also, you have committed the following FDCPA Violation:15 U.S. Code? 1692d-Harassment and abuse A debt may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation by reporting a false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown name on my credit report, my name is XXXX XXXX and I never used the name XXXX XXXX XXXX. Neither have I ever used the address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, XXXX XXXX account XXXX XXXX XXXX  account XXXX has all violated my rights. 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I 've been trying to cash a check from Chase Bank, and the bank refuses to cash it even when the amount and approval from account holder was verified by  Branch Manager   XXXX   XXXX . This process has been going on for more than a week ; having me going back and forth.     After talking  to Branch Manager o n Friday  XX/XX/17    We went back to the bank yesterday Tuesday  XX/XX/17    and they still refuse to cash the check because  XXXX  failed to put any notes on the computer.     I called  XXXX  today she placed me on hold and never came back to the phone. I waite d 15 m in on hold and nothing happened.     I tried calling her again and again and she refuses to answer the phone.     I do n't know what kind of games they are playing here but as a result of the their lack of customer service, curtesy, and value of time. I 'm having my mother the account holder close her account with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was able to access my Free Credit Report from  XXXX  companies  ONLINE ;   XXXX  and   XXXX    without any problems.     However, when I tried to complete the online process to receive my FREE REPORT FROM EQUIFAX, I was unable to. I was told I would have to submit PAPER COPIES OF ALL THE REQUIRED DOCUMENTS ( S.S. card, pay stubs, etc. ) through the mail.     I feel this is outright ridiculous and would put my personal & credit information in jeopardy.     I do n't see why I should not be able to access this information online.
Product: Credit card or prepaid card

The company closed my account with any knowledge and claims they have the right and this is a business decisions. There is no fraud and this is a material false representation that the company has engaged in and completely discrimated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes on fraudulent accounts. I have also contacted the companies to receive documentation that I have signed or authorized the accounts. The companies has not provided such documentation, yet fraudulent accounts has not been removed from my credit report, which is greatly affecting my life. I have followed all steps by submitting my correct identification to identify myself and have fraud alerts on all bureaus. I would like the fraudulent accounts removed as they do not belong to me. XXXX has removed all fraudulent accounts, but XXXX and Experian has not removed the accounts. Please see accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was removed from my Experian report then added back with no documentation from the company.
Product: Debt collection

I have received collection attempts from IC System, a collection agency that now represents XXXX on a mobile phone account. I filed a previous complaint against XXXX disputing the balance. I have filed a complaint with XXXX and IC System both disputing the balance. I have paid all monies I feel are legitimate charges and the balance of {$540.00} are international data overages that I was charged in error and have disputed these charges since they first appeared on my bill. Please see my original complaint below. 

I am writing to file a formal complaint against XXXX in regards to my mobile device account. I have been a good customer of XXXX until recently when I went outside the country. I was charged over {$1000.00} in international data overages after their communication with me explicitly stated that there was no charge for international data, only voice. After receiving my next bill, I called customer service for assistance. My calls were put on endless holds, continuously transferred to one person after another where I would have to repeat the reason for my call and these calls went on for hours. After over 2 months of these attempts for resolution, I finally closed the account. I have made payments on the account and tried one last time today to call for resolution, only to have the same experience. I was transferred more than 3 times, repeated myself more than I should and was on the phone for more than an hour.
Product: Debt collection

A notification of a debt owed for {$100.00} appeared on my credit report, explaining that I owe Sunrise Credit Service with a telephone number of ( XXXX ) XXXX. I telephoned and their recording stated their office hours. My call was within those office hours. The only available option is to be transferred to their automated payment portal. It is not possible to speak with a human and learn more about the debt. Sunrise Credit Service never wrote to inform me of the debt. They simply made a negative credit report entry.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within 30 days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :