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

On XX/XX/2020 I sent certified letters of dispute to all 3 credit bureaus in reference to my accounts being reported differently to all three bureaus on several accounts. I included screenshots showing evidence of this. Rather than them deleting these accounts that were reported wrong, I got responses such as remains or updated. How could you simply " update '' something that was reported wrong in multiple places? If they were all different, who is to say which is correct? It doesn't seem right. How is this legal?
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX writing on my behalf, this is not a robot, this is not a third-party company. Please do not send me anything stating that you do not know if this is me actually writing. On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 45 days since and I have not received a response. I am feeling taken advantage of and my disputes are being ignored. Section 611 ( a ) of the FCRA clearly states that failure to investigate these items within 30 days gives reason to immediately remove the items from my credit report. It has been 45 days so these account should be deleted promptly. I demand that these account be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On Monday, XX/XX/year> at XXXX XXXX XXXX I was contacted via text message from my bank, Chime, asking if I authorized a transaction for {$530.00}. I responded with " No '' and got a response back that no funds were taken from my account. However, Chime still allowed two transactions for the amount of {$530.00} to go through and post to my account ( total {$1000.00} ). I contacted Chime on the XXXX, XXXX, and XXXX to rectify the situation and Chime refused to help. They have stated that any disputes may be resolved within 90 days, which leaves me without the money to pay my bills Chime allowed transactions to go through that I marked as fraud, and Chime claimed to have prevented the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Has violated my rights XXXX XXXX has violated my rights Equifax Mortgage service has violated my rights 15 U.S.C 1681 section 602 A. States i have the rights 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 instruction.
Product: Credit card or prepaid card

A year ago, I opened a XXXX  XXXX account, issued by XXXX XXXX, but serviced by XXXX XXXX. I immediately signed up for electronic billing so that there would be no postal delays in getting and paying the bills. 

I have never received notification that a monthly statement was available, including the one created on XX/XX/XXXX. I almost missed a payment date because of this. 

I spoke with Customer Service for months to no avail. For the last six plus months, I have been dealing with a gentleman in their Corporate office, who is also being stonewalled. 

Because of this, I closed the account in XX/XX/XXXX. 

All of this is handled by an outsourced company and no one can get any answers. 

What can be done about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the validity of this entry on my report and never have been provided account details as requested. Send notice that account was paid in full and funds to original creditor. The account delinquency was XXXX and according to law once a debt is paid and XXXX is paid then the collection agency no longer has an account to report. Please delete this item immediately as I have waited over 60 days to get this resolved and numerous calls. The debt was a duplicate also to another debt collector, causing several inaccurate entries to my credit report. 
It is sad that I have to cause stress to myself to fix this problem .Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection. 

Furthermore, if the accounts were paid they should not be listed as an open account. 

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; XXXX XXXX XXXX ( XXXX ) providing false information to credit reporting agencies FCRA violations ; XXXX U.S.C. XXXX duties of furnishers to provide accurate information. 

XXXX XXXX. XXXX - failure to provide accurate information, failure to correct reporting.
Product: Vehicle loan or lease

After my car was wrongfully repossessed, I went to XXXX yard to get my belongings. I was told the tow staff would pack my belongings and I could not go to the car. I unwillingly accepted and watched from gate them at the car. Moments later they brought me my bagged belongings, as I search through my bag for paperwork I needed to correct this repo, I informed the staff what was missing, he then willingly stated he would go back to car to look for paperwork. I then told him everything surrounding where the paperwork was is in the bag, so should my paperwork. As this is being said, office staff comes on his walkie talkie and says he should not be out there while I search the bag, thats odd. Another staff person comes out to make situation worst by trying to grab bags with my belongings. My son grabbed them first and simply said " I got it '', the office staff then comes outside and tells us to leave or he'll call the police and to file a complaint on the company site ( as to which I did ) and we left. 

PS. I stated in the questionnaire that I did not get information and I meant as to where my missing paperwork was. Thank you
Product: Credit reporting

I have recieved information from this source.. and asked me if i had work XXXX. I said where in the XXXX you got that from ... he told me..they get from credit report from the credit bureau.. and it shows other addresses. I dont know how in the XXXX the bureau get this false information that ruins to get a jobs.and my credit.. and i found in equifax they so have wrong information and bad inquires in my credit report.. i.try to sent a dispute online ..but i cant because they charge of fees.. did it cost them to input wrong information in my credit report.. why in the XXXX they want to charge fees when it didnt cost them nothing. Im tired of.getting bad reports, false monitorimg from credit bureau. They dont even sent out a letter to correct this issues
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion, XXXX XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Product: Mortgage

This is regards to my current mortgage. My account was transferred from one company to current company in XX/XX/XXXX. I made my on-time payments to both the companies in XXXX. I also made on-time payments to my current company for XXXX too. Original company did not made my school tax payment in XXXX and new company made the payment and late fees for XXXX school taxes and asking to make that payment again whereas, I have already made my payments on my account. Current company keep taking from my account automatically without my approval and not willing to help to resolve the issue. My current company is also asking to increase my monthly payment as they have made the payment covering XXXX taxes. I am not in a position to make any extra payments which I am not suppose to but they continue to do so. I would appreciate if your department can help me resolve this issue.
Product: Debt collection

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I was a victim of identity theft, an account was opened with Acima Digital XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( Akima ) is noncompliance.
Product: Debt collection

On XX/XX/XXXX, I contacted the Department of Education for questions regarding the balance of a wage garnishment I was assigned. I was told the debt is no longer handled by the DOE, and was given the phone number and referred to a company by the name of " Coast Professional, INC '' as they are now responsible for the collection of the debt. I contacted " Coast Professional, INC '' to check the balance with them and was told my remaining debt is a {$12000.00}. Here 's where the issue is, I asked them for the original balance, which is {$12000.00}. As of XX/XX/XXXX, my YTD payments will be {$1600.00}. The garnishment began on XX/XX/XXXX and in that year, {$2400.00} was paid in garnishments, giving a total of {$4000.00}. I spoke to a representative and asked if someone could give me any type of explanation as to where the money taken from me has gone or is going, and at the time he stated that the information was not in front of him, that it could be possibly due to interest and fees, and offered to transfer me to someone who could possibly give me more information. I was placed on hold, hung up on, and my number was blocked from returning a call. I tried several times to redial the number to no avail, then dialed a friend of mine for them to contact them in a three way call and the call went through. The representative that answered looked through the information on my account and saw that there is a discrepancy as well. This representative stated he would get a manager to talk to me about what was going on and was hung up on once again. I believe my funds are being misappropriated.
Product: Vehicle loan or lease

Hi, I took a car loan from Carmax auto finance and I got in to an accident got the car totaled so when I call Carmax and explain about the situation they told me there was nothing else they could do for me without me paying the loan off which the total amount was XXXX and my insurance paid the value which was $ XXXX and so now I have to pay back the remaining balance. Fine. Im happy too. But my car thats how I could go to work to pay my bills because XXXX and XXXX XXXX away from me and my work. 
I tried to work out some type of deal with them to see if I could get another thru them and they denied each credit application I submitted to them and this loan is open on my credit no where that accept my credit application I kept on being denied. Im in XXXX  for XXXX and Im right on the edge to drop-out because I have to XXXX XXXX Im very desperate for help now.. I have money for a down payment if I ever get approved by a bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian have failed to acknowledge that I dispute the results of their " investigation '' into the late payments being falsely reported on both of my reports. I am attaching the supporting letter that I sent to XXXX via their website, along with a copy of my report from their site showing their failure to report that I dispute the account. This is a clear violation of the FCRA and I therefore demand that the items be corrected on both reports in the next seven days. I am keeping careful records of all of my correspondence and will escalate this as I have already experienced months of damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX has not provided me with a copy of a legal contract bearing my signature.
Product: Debt collection

XXXX XXXX. 
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX : XXXX XXXX Bank, {$XXXX}. 
Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$XXXX} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Dear madam/sir, I have tried multiple times to remedy this issue. I sent several emails and a letter last month, asking to resolve the account. I requested multiple times for them to write me back, but they never replied. I specifically told them that I did NOT want to speak on the phone, and that I awaited a letter or email in writing. They called and left a message, to which I responded again IN WRITIING in an effort to resolve this account once and for all. Again, I received no written response either via email or letter. 

I finally simply paid the FULL past due amount {$730.00} online ( I have screenshots of the account payment, and the draft can be viewed from my bank account statement ) : The account misreports that part of the loan is a charge off and the {$730.00} was sent to recovery. After my {$730.00} FULL payment, the company is reporting that the account is STILL delinquent ( after the account went to XXXX ). I have contacted all three credit reporting agencies and asked them to look into it. Each time, Mariner has reported to them that I still owe the {$730.00}, which I do not. The account is now XXXX. 

This is false information, and they refuse to update with correct information. Although my preference would be to simply delete the entire account from all my credit reports, as they are a filthy business. Even when the account was still open/active ( years ago ), they would harass and call me at work. They would leave messages threatening to put a lien on my home if I didnt pay ( which I believe it illegal ). Im tempted to ask my employer for the recordings, and will if it would help my case. 

This is absolutely the most loathsome and despicable company to work with. NO ONE deserves to be treated with these high interest predatory loans, and it should at the VERY least be required of them to report the loan accurately.
Product: Debt collection

Navient is continuing to call my work number after several times being told this is a business/work number and to stop calling it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor benefit from the following account. Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect Bankruptcy listed on my XXXX and Experian credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. XXXX responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). Experian has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I came across unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this situation, I kindly request a thorough review of the documents Ive provided to ensure I wont have to worry about this issue again.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at CAPITAL XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit reports, they are stopping me from obtaining credit.
Product: Debt collection

1. Genesis has failed to provide a written contract between me and the original creditor stating that the original creditor is allowed to legally collect interest on any debt owed by me 2. Genesis has failed to provide good faith communications between me and original creditor regarding payment of balance owed to the creditor 3. Genesis has failed to provide audio recordings of the original creditor 's representative denying me the right to enter into a payment agreement/plan with the original creditor prior to the debt being reported to Genesis collection agency 4. Genesis has failed to provide documentation of my repeated requests to the original creditor for a final accounting and payment plan.

5. Genesis has failed to remove and delete this negative and erroneous reporting from the three credit reporting bureaus 6. Genesis is violation of 15 USC 1692f, Sections 807 ( 2 ) ( A ) and 808 ( 1 ) and therefore I demand that the negative and erroneous reporting to the three credit bureaus be removed immediately