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

Because Equifax does not update the information on my credit report it has caused me to be denied credit. They have been showing accounts as owed that have been paid for months. 
I attempted to resolve with Equifax and they tell me to file a dispute. I know I am one of thousands who are having this same issue. If they can not do their job they, at a minimum, should be fined. I am weary of this happening over and over again. They must be held accountable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, XX/XX/XXXX, I contacted the collection company CREDIT Management Company listed on my XXXX report for {$500.00} and was told by representative XXXX ( male ) that there was no record on file for me or the collection. He provided me with a different number, which I called and spoke to representative XXXX ( male ). XXXX stated this collection was from a service provided on XX/XX/XXXX by the XXXX XXXX, XXXX. I told him I declined service and requested verification of services that they claim were provided to me, but he had no other information to share, only the company name. 

I did a XXXX search on The XXXX XXXX, XXXX, and the three different phone numbers listed did not connect me to this company. I spoke with a representative, XXXX ( female ), at XXXX XXXX, a Medical Practice Management company, for one of the listed numbers, who could not confirm they represented The XXXX XXXX, XXXX, but would have someone call me back. 

After doing more research, I noticed one-star and XXXX negative XXXX reviews for this company with the same issue. False charges and collections are reported for those who declined service. 

I contacted XXXX and spoke with a representative, XXXX, to submit a dispute and she recommended I file with FTC. She informed me this would probably take up to 30 days.
Product: Credit card

Destiny has reported a couple of recent lates and once again it is not due to nonpayment. I am attaching statements and bank records to show all minimum payments reflected on statements were paid on time. Payments were set to auto for the minimum monthly payment, which has been {$40.00} per statement. I made those payments on XX/XX/XXXX for XXXX statement, XX/XX/XXXX for XXXX and XXXX is not due until XX/XX/XXXX but I was recently reported late for XXXX ( as well as XXXX ). I also have an uncredited retry payment on XX/XX/XXXX for {$40.00} dollars that is also attached here. 

I am also noticing, large late fees, overlimit fees ( due to the late fees ) when I am not late. Also, payments of {$80.00} are routinely ( about 8 times so far ) being attempted to be taken out as well as amounts of XXXX, XXXX and XXXX as well as XXXX. None of these have been authorized by me. The only payments allowed is the minimum due on due date and every month this is XXXX dollars per statement. I consider these others fraudulent attempts. If more is due, then the minimum amount due on the statements should reflect that. 

I expect these derogatory credit reporting 's ( XXXX, and XXXX ) to be removed the XX/XX/XXXXXXXX XXXX  retry to be credited and updated to pay as agrees and a review of the late fees and over limit fees as well. Your website states I am late and I am not. XXXX isn't due yet. I will be reporting this to CFPB and XXXX  as well. 

Thank you for your prompt attention. This is not the first time this has happened and I believe your processes need to be reviewed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and TransUnion reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score.  CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

Myloancare had experienced a security breach at their site : https : //www.loancare.com/ Customer are unable to login in their accounts. Furthermore, myloancare has failed to notify customers the only way I found out was by doing a XXXX search and finding out on a message board. Not being able to access the website prevents the customer from making payments, changing payment details and finding up to date loan information. You all should investigate this and hold myloan care accountable for first not notifying customers and then second not taking steps to protect customer info and the prevention of access to loan information.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report solely under the specified circumstances : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' However, neither the financial institution nor the consumer reporting agencies, including Equifax, XXXX, and XXXX, possess my consent to disclose this information, as I have not provided written authorization. If there were written authorization, I can only presume it was forged, raising concerns of identity theft. 

Moreover, 15 USC 6802 ( b ) ( c ) highlights that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nevertheless, Furnishers of information to credit agencies failed to inform me of my right to exercise my nondisclosure option. 

Account Name : XXXX XXXX Account Number : XXXX As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit card or prepaid card

If a person pays intrest on the credit card balance one month, then pays off the balnace IN FULL the following month according to the listed debt, the company says if you don't stop using the card by the 'close of billing date ', they are going to charge you interest again. I feel this is discrimintory or discrimination. I was able to pay off my debt IN FULL, by the close date on my account, yet I was charged addition interest because i used the card in the next billing cycle - even though that balance had not been on the card for more than 30 days. A person that borrows money pays it off in full even though they are not paying until the end of the grace period time & have continued to use the card are not charged interest. This is discrimination against the person who must borrow from time to time, yet does not keep a balance on the card. According to the terms & conditions they can charge me, but they can't charge the person who dose n't pay off the bill entirely.
Product: Debt collection

I had a medical bill go into collections with Receivable Solutions. I tried to contact them in writing ( via email ) if they had a way to make payments online. The only response i received is that I had to call them. I went ahead & mailed in a payment for {$100.00} in XXXX. Did not receive any further statement from them showing me my remaining balance & payment options. They then start calling me. No message left, the only way I knew it was them was by doing a XXXX search. I sent a 2nd email on XX/XX/20 asking how to receive a second statement and again asked if they offered online payments. Again, they refused to give me any information IN WRITING and told me I had to call. When I deal with debt collectors, I want everything in writing to know that the debt is legitimate. I want Receivable Solutions to send me an updated statement showing my balance after payment has been made. If they can not provide me with this, then I will contact the hospital 's billing department directly. 

I do not understand how a company can not provide simple answers to simple questions via email. Don't have an email address for customer 's to contact you on if you're not going to use it to answer their questions. 

Horrible customer service & it makes me question their legitimacy.
Product: Vehicle loan or lease

Late payments XXXX 2017-XXXX 2017. I was not late. I have bank statements and santander online account documents to prove it. Santander continues to report this to the bureaus, never followed up with me on regards to the dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/year> to XXXX, Transunion, and XXXX despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX
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 U.S.code 1681 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$260.00} XXXX {$950.00} XXXX XXXX {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment . 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions.

15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : Equifax- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX
Product: Mortgage

I had a Chapter XXXX bankruptcy XXXX years ago. I received a loan modification with Chase and kept my house. They increased my mortgage to cover the payments I could n't make, so they are recouping every penny owed them. I noticed that they stopped reporting my on time payments for the last XXXX years to the Credit Bureaus. I 've made every payment since the loan modification on time and in full. They say I have to reopen my bankruptcy and reaffirm. I 've read up on this and that is not in my best interests and there is no legal basis for them requiring this of me. I wish to lodge a complaint against Chase for this. I was part of the huge lay off in XXXX XXXX and applied for over XXXX jobs and could not find anything for XXXX months. The banks caused this and now they continue to hurt us. Can something be done about this as it seems I am hardly alone in this. Thanks.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX BANK XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$3200.00} XXXX XXXX  XXXX  XXXX Balance : {$650.00} XXXX XXXX  XXXX  XXXX XXXX : {$650.00} XXXX  XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2022 I sent out a letter regarding inaccurate and unknown company on my consumer report. I sent a request for validation to Maury Cobb and associates, LLC on XX/XX/2022. XXXX XXXX respond back on XXXX XXXX sayin that the debt was verified and I owe the debt to XXXX and sent billing statements from XXXX. I never signed a contract with this company. They have no right to my information, my rights to privacy has been breached. I demand this account be permanently removed from all my consumer report.
Product: Debt collection

I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX   from the letter. XXXX XXXX has no information of me having a XXXX XXXX   account on my own, I have been on my mothers account of which XXXX XXXX  checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX   1XXXX XXXX XXXX XXXX MD, XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below XXXX XXXX XXXX XXXX. Account number XXXX which still appears on my credit report even after your investigation. I recently reviewed my credit report and noticed inaccuracies on my account. I would like this account immediately reinvestigate for the same exact thing we discussed. This account is injurious to my credit score. In accordance to the fair credit reporting act public law.91-506. Title VI, section 611, subsection A-D. Please provide the names and business address in which you verified the account, so that I may follow up. Please send me an update copy of my credit report after the your reinvestigation.
Product: Debt collection

I called them in XX/XX/XXXX and disputed the charge because it was paid. It was removed from my credit report now it's been added back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail that I had filed for bankruptcy sometime last year. I was shocked on why I was receiving the letter. I didnt think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw accounts that i never open and several bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report. XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX 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
Product: Credit reporting

There is a incorrect information reported in my credit report, I disputed the issue with XXXX agencies myself but only XXXX deleted the item, but no results from XXXX and Experian yet, I need your help, I also hired XXXX XXXX to dispute for me, items from issues with credit reporting companies. but seems no results also, see attached documents to proof when I started disputing .FYI I never engage any king of business with XXXX I also tried to dispute with XXXX myself but they never respond to my disputes.I Thanks in advance for your future help Thanks