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

I am formally disputing an account listed, without MY explicit consent, on MY XXXX credit report and on MY XXXX credit report that I have absolutely no knowledge of or association with. The account in question does NOT belong to me, and I have never opened, authorized, or participated in any activities related to this account. Eastern Account System , Inc. is listing themselves as the alleged original creditor. According to their false claims being shared on my credit report, they are alleging an open balance of XXXX XXXX XXXX XXXX XXXX XXXX, that the account was opened on XX/XX/year>, and that the account has been placed in collections.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Payday loan, title loan, personal loan, or advance loan

BHG Financial has intentionally and incorrectly posted applied principal payment based on my monthly payment instead of the date that the actual principal payment was received, by doing so BHG is accruing additional interest instead of reducing my interest payment.

This is a deceptive practice which is causing me to pay unnecessary and additional interest payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection with XXXX XXXX in the amount of {$420.00} and I never had any type of XXXX  bill for almost 500 dollars. This has got to be a huge mistake and it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies reporting an alleged account reported as a charge off on my consumer report, but counted as income according to the IRS. The IRS Clearly defines a canceled debt or charge off as gross income in which one has to report when filing taxes ( attached ). INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account as a debt inaccurate! 
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and the responsibilities of XXXX XXXX XXXX as a furnisher of information. 
15USC 1681 S-2 says XXXXXXXX XXXX XXXX is, a furnisher of information to a consumer reporting agency. XXXX XXXX XXXX is PROHIBITED BY LAW to furnish inaccurate information. 
15 USC 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 USC 1681 S-2 ( A ) ( 1 ) ( A ) ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 
I have shown XXXX XXXX XXXX and put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 and of their responsibilities as a furnisher of information. 

Also, XXXX XXXX XXXX did not send me the 1099C form related to this alleged account. XXXX XXXX XXXX has caused me to potentially commit fraud against the IRS by not reporting this account as income on my income tax returns. I have written to the IRS about XXXXXXXX XXXX XXXX and their failure to furnish forms and the attached correspondence has been forwarded to the IRS as well. 
I will not hesitate in bringing legal action against XXXX XXXX XXXX for Violation of My Consumer Rights and Defamation of Character. I reserve the right to sue for violations of my consumer rights pursuant to 15 USC 1681n as indicated under both the FDCPA and the FCRA.
Product: Credit card or prepaid card

We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company statement is deceptive and misleading. This company has violated rules FDCPA and FCRA. This company states that I made a payment on XX/XX/2021. Per my loan agreement my payments are due on the XXXX of every month. On XX/XX/2021 I made 2 payments totaling XXXX which meets my contractual obligation. This company continues to indulge in malicious intent by locking my account and stating that only a manager can process a payment. I have made several attempts daily to speak with only one manager that can process payments and unlock my account. The staff mainly speaks XXXX and is insanely rude and unprofessional. I have phone records to validate the timeframe of my calls. This company continuously engages in deceitful practices and intentionally makes it difficult to submit payments which is creating stress and is causing final harm to myself. I am requesting for Vehicle Solutions to provide accurate documentation that I have consistently submitted payments beyond 30 days late. Additionally I am asking for Vehicle Solutions to stop the deceitful practice of locking my accounts from on time payments. Also remove this false / inaccurate information from my credit report and provide a complete and accurate payments for all payments submitted for this account.
Product: Mortgage

I have tried at the beginning of the modification that was given which was XXXX. I told them that it was too expensive and if they could make the forbearance payment more affordable to XXXX that I could make the payment and not fail any payments. Select Portfolio Servicing refused to help me. Whenever I called every one was basically rude to me. I struggled for 3 months and made the XXXX payments after then I knew I couldn't make those high payments anymore. I applied for a new modification for a affordable payment and yet I have been denied. When I call they tell me that my mortgage has been turned over to an attorney for legal action. I need to keep my home but I need the mortgage company to please work with me. I am trying to avoid bankruptcy in order to keep my home. I don't to go that route. Can I please get some help so I can bring my mortgage payments up to current please? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint 2 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of XXXX  when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on XXXX, They had address and a whole host of information inaccurate on Equifax, and XXXX they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.
Product: Credit card

On XX/XX/2023 I made a payment to my credit card in the amount of {$19000.00} which was reflected on my XXXX billing statement. No updates were made to the credit bureaus so I filed disputes with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was correct and that my dispute was closed. 

On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was accurate despite me uploading a copy of my most recent XX/XX/2023 bank statement showing the accurate amount. 

By the looks of my reports, it doesn't appear RBFCU has provided an update to these two bureaus since XX/XX/2023, which is concerning considering that XXXX is showing correct information. Due to RBFCU 's failure to update credit bureaus in a timely manner, has caused undue hardship in trying to secure alternate financing, and as a long-term member, I can not understand why something this simple has become an ongoing issue.

About a week ago I wrote in and asked this question and received a response ( that's not been removed from my account ) asking me to call in based on my question. I called member services on XX/XX/2023 and waited o ver 20 minutes to be transferred to the credit department only to be told they couldn't help me and that I could email their credit disputes email address for assistance. I simply would just like my information accurately reported in a timely manner just as it has always been on a monthly basis. I am not understanding why this time is different.
Product: Debt collection

Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX  score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act. Transunion, XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXX open date XX/XX/XXXX XXXXNot mines* XXXX open date XX/XX/XXXX *Never applied XXXX*
Product: Credit reporting or other personal consumer reports

I would like to follow up with the ongoing issues related to my credit report, specifically the late open account and the late closed account. Despite my numerous attempts to address these inaccuracies, this letter marks my many effort to resolve the matter. have submitted XXXX prior requests to correct these errors. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inaccuracies remain unresolved, which continues to negatively impact my XXXX XXXX and financial standing. Please help me correct the status of the late open account to reflect timely payments and remove the late payment record from the closed accounts. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me correct or remove these accounts i, mmediately : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXXXXXX Balance : {$0.00} - XXXX see things may be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX BANK XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now.
Product: Debt collection

Discover calls me from multiple numbers, multiple of times a day. Its interrupting my work. They just started calling me out of the blue on XXXX XXXX talking about payment plans. Ive never received any information about payment plans, yet they claim theyve sent them. Now theyre threatening me with legal action. Ive heard nothing about this debt in two years and they appear out of nowhere and call me repeatedly.
Product: Debt collection

I Have made XXXX calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted again XXXX  to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX XXXX  XX/XX/XXXX. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.
Product: Debt collection

Medical debt from 2020 during covid. Was resolved with insurance company but the XXXX XXXX company still filed it for collections.
Product: Debt collection

Midland Credit is reporting that I owe money to them. 
I have filed disputes with XXXX asking that their claim be validated. 
They can not verify that I owe a debt with them but continue to send me letters next day air threatening to sue me if I dont pay them.
Product: Credit card

I am an authorized user for these accounts and I am asking to have accounts removed from credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My account with XXXX for {$85.00} was paid in full on XXXX XXXX. They have put in a delete request with Experian XXXX times, once in XXXX and again in XXXX of 2015. They have confirmed that the debt is paid in full and needs to be deleted. They can be reached for confirmation at XXXX. XXXX can assist.
Product: Debt collection

I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. 

Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. 
they have not validated or verified, I want this removed from all XXXX credit bureaus asap
Product: Credit card or prepaid card

this is an ongoing thing thy keep reporting im 60 pluse days late im on a hard ship now thy want 200 pluse dollers please HELP
Product: Credit reporting or other personal consumer reports

I contacted United wholesale mortgage company about my forbearance because of a hardship and they said that they would be able to honor It and That It wouldnt reflect negatively on my credit report.
Product: Mortgage

I have/had 2nd mortgage on my Home where I am staying. My 2nd mortgage was with GMAC. GMAC has went Bankrupt. I never received anything form GMAC about whom to to make my payments to. Last document I have from GMAC is from XX/XX/XXXX about my Loan modification. It was auto pay setup for mortgage payment. 
I was going through refinancing process & now suddenly after 9 years I came to know that ALLY is listed on my Deed. My refi was denied due to I am unable to provide payment history- Which I don't have for my 2nd mortgage. 
I don't want to loose my primary residence. After XXXX I finally found correct phone # of ALLY. Rep instructed to email to Ally as follow : On Monday, XX/XX/XXXX, XXXX XXXX EST, XXXX XXXX XXXX wrote : Hi, I just came to know that Ally has my 2nd mortgage.

I used to have GMAC. I know GMAC had filed Bankruptcy. 

I never received any paper or any documents from your company. 

I need someone to contact me asap in regards to my Loan. 

I just called XXXX & spoke with XXXX XXXX ID # XXXX & finally I got email address to contact you. Loan # he gave me is XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX. 
My home # XXXX. 
Response received as follow from ALLY : Lien Releases XXXX XX/XX/XXXX XXXX XXXX  GMT To : " XXXX '' XXXX Mr. XXXX, We have researched your request and determined your loan is not in a charge-off status, rather your loan is in a dormant status. In this scenario, please contact our mortgage servicing department at XXXX for assistance with your request. Please reference loan # XXXX. 
As instructed, I have attempted to contact Customer Service- I was getting bounced around in different dept & finally phone was disconnected. 
I got your website from Senator 's XXXX XXXX XXXX office to contact you
Product: Credit card

I am writing to inform you that SYNCB WALMART DC is not my account. 
I am contesting it as fraud. Please have it removed.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer for my wife to a friend of hers in XXXX ( XXXX ) yesterday. The receipt said the money would be available immediately but when her friend went to pick up the funds, he was told they were not available. This is a person she knows well personally ( She went to a village in XXXX as a XXXX  from our church  every year over a period of several years ). She was not asked for money, it is something she wanted to send to friends she knew and traveled into the Bush with on several occasions. This was unsolicited and something she wanted to do for people she worked with when she went there. 

When her friend went to pick up the funds ( he had to travel several miles to get to XXXX ), he was told the funds were not available. I was NOT notified in any way that the transaction would not go through and the first I knew was when my wife 's friend called ( he can not really afford to spend money for long distance calls ) and left a message on our house phone that they would Not given him any funds. I was NOT notified in any way that the transfer would be a problem. 

This is FRAUD!! They offer a service and then will not give that service. 

I spent nearly an hour speaking with Western Union employees (  supposedly supervisors-two ) and the long of the short was they were not allowing this transfer to go through