23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company is reporting five accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd previously written to the creditor asking for specific documentation which if they could not provide they should stop reporting the debt. As you can see from the attached letter and the screenshot of my credit monitoring report the account was deleted. Then without any notification or explanation as to why Experian reinserted the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Georgia student finance lists on my credit score as an account in bad standing or " negative pay status. '' However, I have never taken a student loan. I have either had a scholarship, or I've paid out of pocket. This is negatively affecting my credit score, and it doesn't even show as having a balance due or any balance ever being on there, so it is negatively affecting my credit score with a balance of zero. I've worked hard to being up my score in the last couple of years, and this is just ridiculous... especially since I worked so hard to make sure I never had to take out a loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a latter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete these accounts.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974.

1 ) VOLVO CAR FINANCIAL SERVICES : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.
Product: Debt collection

Repeated phone calls, as well as now emails regarding a debt that I dont owe and have no knowledge of.
Product: Debt collection

My son had XXXX XXXX performed and sent to XXXX XXXX XXXX XXXX XXXX for analysis. 
I received a letter in the mail at the end of XXXX with a statement dated " XX/XX/XXXX '' stating that we owed {$110.00} for my son 's XXXX XXXX after insurance had reviewed and processed the claim. 
I had questions regarding insurance input so when clarified, I followed the online link that XXXX XXXX XXXX XXXX XXXX provided on the bill to pay the bill. The balance stated {$0.00} dollars. 
I reviewed bank statements and credit card statements to see if this was on autopay or if my husband paid it. Ultimately on XXXX I emailed to query what was owed and left my email and cell phone. At this time, on XX/XX/XXXX I received an email stating the account was sent to collections on XX/XX/XXXX after ONE attempt to collect their payment by mail- non registered. They sent the account to collections after 9 weeks without confirming that I had even received the bill ( which I had not until 4 weeks prior ). They have ALL my information including my cell and did not call or send out a second/warning bill. When I contacted them on XXXX and enquired about the bill as I was attempting to pay it the response was " it has gone to collections '' with no alternative for me to resolve the issue but to wait for collections letter which I did. It arrived on XX/XX/XXXX and has been paid. 
To my mind, this is unfair and inappropriate- they made zero effort to collect the debt and zero effort to offer me a way to pay when I reached out. 
This is coming after this same group attempted to bill me twice for services rendered for my own XXXX work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has been reporting late payments on XXXX and XX/XX/2018 on my XXXX  and XXXX  Credit Report. I have asked them to update this mistake for the past year and they have failed to provide proof of my late payments and refuse to update the account. It has been hurting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to XXXX XXXX XXXX, Ally Financial, XXXX  XXXX XXXX, XXXX still reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. 

I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. 

Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. 

The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. 

I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score was lowered after I unlinked my banking accounts on Experian website. Experian never explained why they lowered my credit score
Product: Credit card

My Ex opened multiple credit cards using my info without my knowledge Account info Account name SELF FINANCIAL/LEAD BANK
Account number
XXXX  Account type
Secured Card
Responsibility
Individual
Date opened
XXXX  Status
Paid, Closed.
Status updated
XXXX XXXX
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
-
Credit limit
XXXX
Highest balance
XXXX
Terms
-
Product: Student loan

There have been many issues of the company consistently applying the payments to the wrong loan. No matter how many times they are told to apply it to a specific page they apply it to the wrong one. Which in turn shows me to be late and affects my credit. Thankfully I have them email the confirmation number so I can keep track of payments made. The company seems to be held unaccountable for their mistakes and continue to neglect the customer. I am personally fed up with them. This has happened for the last couple of years and They always try to get me to go into forebearance. Instead of solving the problem they put it off and still want to capitalize on interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act, this creditor has violated my rights under 50 USC 681 section 062 States I have the right to privacy 50 USC section 064 A section 2 states that consumer report agency can't purchase account without my written instruction under 50 USC 1666 B a creditor can't treat a credit card payment under an open a consumer plan as late Credit Acceptance and this account has been closed since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account XXXX is wrongfully reporting on equifax, XXXX and XXXX credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This company has been reporting inaccurate information to all three credit bureaus. On my XXXX, XXXX, and XXXX report they are reporting late payments for the year of XXXX. This account has been closed since XXXX. By my FCRA rights a creditor does not have the right to report a closed account as late. If the account is closed nothing can be done to the account. This company is the worst company I've ever dealt with. They are known for reporting inaccurate information. I would like for this whole account to be deleted due to the discrepancies I have investigated and found on all three credit bureaus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my XXXX and XXXX credit reports that lists XXXX XXXX as a creditor. They claim to have sold the debt to MSW Capital LLC, after numerous calls to MSW, they will not answer their phone and I do not see an email address to send email to. XXXX XXXX  will not allow me to make any payments to them, and MSW will not answer their phone. 

This should be removed from the credit report as it is very unprofessional and I believe the data to be inaccurate. They report to XXXX and XXXX with different data, and then nothing to XXXX. There should be consistency. Since there is not, it should be deleted as retroactively assessing negative information would be biased and unprofessional.
Product: Consumer Loan

( $ XXXX that Honda will pay will go in to a fund to compensate affected borrowers ) XX/XX/XXXX, I purchased a used XXXX Honda accord and my monthly payment was XXXX. I always felt that my payment was to high, and I now know for a fact that I was a victim of the above actions listed in the lawsuit. As a direct result of Honda 's action, I 'm still trying to payoff the balloon loan. As it stands today, I still owe honda XXXX on a car only worth XXXX. How can I be included in the payout? Thanks
Product: Credit reporting or other personal consumer reports

I have a question regarding my credit report that I need assistance with. I've been dealing with the company XXXX XXXX and despite their claims that they are submitting accurate information, I believe this is not the case. The situation started when they sold my account to Jefferson LLC. I have since paid off this account, and Jefferson LLC confirmed that they would remove the negative remarks from my credit report as part of our agreement.

However, I'm facing a frustrating cycle when trying to resolve this issue. Each time I call Jefferson LLC to check on the status of the changes, I'm informed that I need to contact XXXXr to rectify the situation, as they have already reported that the negative marks are no longer on my credit. On the other hand, when I reach out to XXXX, they insist that they've sold the account and direct me back to Jefferson LLC for further assistance. 

This back-and-forth has left me feeling stuck and confused about how to effectively resolve the discrepancies on my credit report. I'm looking for guidance on how to break this cycle and ensure that my credit report accurately reflects the current status of my account.
Product: Credit card

I applied for an extension of my own credit and was denied through TD Bank.

Application ID none was given. 
They still have my application and im requiring for it to be returned or approved. 
If both request are denied I will be taking action on security fraud. 
I gave my securities with XXXX valuable exchange. 
Per the equal credit opportunity act you have violated my federal rights and I have been injured. 
This also falls under discrimination and I no longer have access to my own credit do to this fraudulent activity. 
I also never gave any written consent to my private information to be bought and sold to a third party corporation. you have humiliated me and have given me heartache. 
I demand my application to be approved or returned immediately or within 5 days of this complaint. 
I demand my private information such as the hard inquiry to be removed from any third party reporting agencies within 5 days of this complaint.
Product: Vehicle loan or lease

Flagship credit what a joke lost my job asked for assistance was denied told repossession would not happen until 60-90 days out, now the problem I have is I have scheduled a payment which constitutes an arrangement everyone is beyond rude I am fed up with the treatment I am debating on bankruptcy due their treatment I should not have refinanced my loan with Flagship, XXXX never treated me this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report, I noticed inquires that I knew nothing about. I mailed Equifax a letter on XX/XX/2021 asking them to investigate these inquires. They mailed me back a letter stating they are factual. I tried to call to find out how and was not able to speak with someone and was given a fax number through their auto system. I faxed them a letter on XX/XX/2021 asking how these inquires where verified. I received another letter from them stating it was factual but no information as to how it was verified. I called again and was not able to speak with someone and was given a fax number. I faxed in another letter asking them to please inform me on how these inquires were verified.
Product: Mortgage

XX/XX/XXXX Re : Conveyance Modification with Ocwen Loan Servicing XXXX XXXX XXXX LOAN # - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Good afternoon, I 'm filing this complaint/request for assistance with regards to the mortgage that I have been performing on, for the last four years. My mother, XXXX XXXX XXXX XXXX away in XX/XX/XXXX and I have been performing on this loan, with Ocwen Loan Servicing, ever since. 

Unfortunately, I did fall behind on my payments and I 'm trying to initiate a Conveyance Modification dialog - to put the loan in my name and continue to move forward. Because I 'm not authorized, Ocwen wo n't even discuss this situation with me, however, they 've cashed every payment that I 've sent them, since XX/XX/XXXX. On XX/XX/XXXX, I was granted a probate hearing for XX/XX/XXXX, to assign me as XXXX of the XXXX. 

This hearing is the day AFTER the scheduled sale date of our home. We 've submitted the hearing information to Ocwen, but do not have a means by which to confirm that they have postponed the sale, in order to allow me to be assigned XXXX of the XXXX and engage them in a Conveyance Modification. 

PLEASE assist us with this!! My daughter and her child live here with me and I 'm an elderly citizen, who wishes to keep a roof over my head! 

My contact information is - XXXX XXXX XXXX and the Probate Trial information documents are attached. 

Thank you for your help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new credit card in XXXX with XXXX XXXX and they ran my credit on XX/XX/XXXX which is correct. Since I have a fraud alert on my credit, they needed to call me to confirm I applied for the new card. Since they could not get in contact with me the day they ran my credit, they called me and left a voicemail mail to call back to confirm I applied for the credit card. I called and spoke to a rep who gathered some information from me and stated they would be sending my application through for processing and should be receiving my new credit card in 10 days. By XXXX I still had not received the card so I called back and went through the same process of them asking me questions and stating I would receive my new credit card in a few days which I still had not. I received a notification from my credit monitoring that the creditor ran my credit again causing another new credit inquiry on XX/XX/XXXX and then they were calling me again regarding my credit application. This time I was able to answer the phone to speak to a person and the young lady asked me a few questions and stated they would be sending my application through for completion. Now I check my credit report and I have two inquires from the same creditor when I should only have one because I spoke with them several times in the month of XXXX and was told that I was approved and would receive my new credit card which still I have not received it but did at least get a email that the card was on its way.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1 XXXX  XXXX Account Number : XXXX 2. XXXX Account XXXX : XXXX 3. XXXX Account XXXX : XXXX * 4. XXXX Account XXXX : XXXX 5. XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, and continuing, Equifax, XXXX, and XXXX have0 blocked me from accessing my credit report, and has also prevented me from removing the Credit Freeze and Fraud alert, and will not let me update my email associated with my account. Customer service over the phone, and letters sent to them have been in vain, and nothing has changed. It's been over several months and nothing I have done as a remedy to resolving this account lockout, and removing freezes and fraud alerts has been any success. 

I have spent hours upon hours on the phone with their customer support only to be told that they are unable to access my report and scores, and can not do any changes, or remove any freezes, or fraud alerts that are preventing me from accessing my reports and scores until I speak with a higher chain of command, and as of now, Equifax, XXXX, and XXXX do not have a phone contact list, or method of reaching their higher level of support, nor does it give you an option on which type of support you wish to receive from their customer service. 

All three credit reporting agencies have neglected me, and their customer service, and support mocks, and ridicules my situation of being unable to access my credit reports, or even accounts with these bureaus ' because they say I should stop wasting their time. I have attached what little evidence is needed for this, but it will show you the PDF screenshots with the source timestamp, and website link too for each bureau 's block of me accessing my account, and ongoing errors that have been hindering the financial well being of both myself, and the Business ', employers, etc. that I do business with from time to time, and it requires them being able to access my reports and scores with my permission. When I give them consent to do their screenings, and credit reviews for a financial account opening, it turns out denied for being unable to access it, or any bureaus reports and scores for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion and XXXX after I purchased a credit report with Identity IQ on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX  Late paymentXX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$38000.00}