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

Equifax has paused my account for several months and gave an excuse that they need to look into further research. In the meantime it has caused me to be denied for housing, banking institutions, credit, and employment. They have not replied to fixing the issue and are continually falsely freezing my account. They have. It reached out to me to verify me, but instead have sent warnings to all organizations who contact them in regard to verify me and my information. Additionally they are only reporting negative content and have deleted all positive history of any payments that I have made in the past. Please help me.
Product: Debt collection

XXXX, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - XXXX and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors Bureau Association {$860.00} and {$700.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Mortgage

XXXX XXXX XXXX denied my many, passionate attempts for a Loan Modification, resulting in a Foreclosure. While no money settlement, at this time, would seem to make up for the loss in household goods, and the actual house... seeking XXXX in damages seems like a logical course. This was our first Mortgage experience, and never did I expect such shady tactics to achieve their end goal - Short Sale or Foreclosure. I have photo evidence of people unlawfully entering the house, while we were out of town - to prepare the house for resale. Time was essential, and this Bank did not care in the least of my pleas for more time. XX/XX/2015 was when this occurred, as far as the house be resold. XXXX through XX/XX/2015 was when the un-authorized entry and access to the house took place. I only managed to get one truck load of our stuff out before the house went to be re-sold. No notice of where many of my and my Spouse 's sentimental items were taken, but they were taken for certain. My High School ring was left, and has my name and social security number engraved in it. I would indicate that their acquisition of our things was tantamount to theft.
Product: Credit card or prepaid card

I opened a care credit card to help with vet bills when my dog got sick. There was a promotion of no interest as long as I paid in full after the 12 months. I submitted payments monthly and was under the impression I had everything paid off in XXXX. I did not hear from the company til now that there was a balance of {$310.00}. When I asked to clarify where the charges came from as I had paid everything off they stated that I still owed over {$45.00} on the statement and now had accrued late fees of {$29.00} and interest finance fee of {$180.00}. I asked for an explanation of the charges as the amounts were not adding up correctly. Even the associate trying to assist couldnt account for finance fee or give me what the ending balance at the end of the XXXX statement was. I explained I have made a payment each month and paid it off in XXXX which is why there was no payment made in XXXX. She removed the late fee and small finance fee of {$6.00} which was appreciated but again neither her or her supervisor could account for why the amount was still high which raised some flags for me. When I asked to dispute the charges they stated because I opened the account on a promotional special they were not able to. I am in the process of raising my credit score to buy a house and did not want this in collections as it would affect that process so I did make the payment which was brought down to {$270.00} to avoid accruing more fees since the company told me there wasnt anything I could do to dispute it and they couldnt remove any fees. I explained to them if I owed the money I understand I had to pay that wasnt the issue. The issue began with all these fees and amounts that they could not clarify for me started not adding up. When I tried logging into my account to see where the monthly statements no where on the account can I pull one up. It only shows the current balance now owed ( {$310.00} ) and past payment history. Now I ask for help in looking further into the issue as the finance company wont provide me with any additional information.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, Experian, and XXXX are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX Number XXXX Experian XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has a credit inquiry on my credit profile that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance : {$250.00} This is a follow-up complaint prior to my previous attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Debt collection

XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. 

On XXXX AFNI, Inc. reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and AFNI Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, AFNI removed the collection action from my credit report. 

XX/XX/XXXX, XXXX XXXX  now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, XXXX  now AFNI before. I've disputed with XXXX  and they have not provided detailed billing and debt information as requested, and AFNI did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. 

This looks and feels predatory and/or fraudulent in practice. 

With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, AFNI dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by AFNI was removed. Months later, I get a notice that XXXX XXXX is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to AFNI I have no idea, but it seems " fishy, '' and predatory to me in my experience. 

I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. 

I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with AFNI. 

Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX instructing them to remove this account from my credit report. They still have not removed. This account is not mine. I am not responsible for this account. Account is XXXX XXXX. Again this is not my account, I am not responsible for this account, I have been removed from this account and now I need this account removed from my report.
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.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

My wages was garnished by a company called Security auto loan first back in XXXX  I contracted the company on the behalf of the garnishment at that time I was informed that they have no record of me or an account showing I owe a balance. I checked my credit report and disputed the item and the item was removed per company could not provide documentation proving that I am the debt owner. As I check report the the debt is in a different name. I continued to contact company from XXXX in regards to the funds stolen from my wages as I am a single mother of XXXX that can not afford to have a mixup like this. The company provided no help in getting me my funds back. As I contacted my payroll department they informed me that XXXXXXXX XXXX XXXXXXXX is who I need to speak to. I have never heard of this company I have tried to contact the company but no XXXX they just was trying to get my personal information which also put up a red flag. So now that the item was removed from my report per lack of proof and also never receiving any documentation advising of the garnishment I have tried to contact different agencies to help with the fraud this company is doing. Recently my wages was garnished again by the same company after 4 yrs and I tried to contact security auto loan again but now the company no longer exist I am connected with another company which again I am informed that they have no record of me having an account nor owing any funds. I have requested proof of debt owing from company which does not provide proof of my address only but actual proof of me being the debtor which they could not provide. Security auto loan are no longer on my credit report but I was informed that there is a judgment which is not in my name but attached to my SSN. Security auto loan removed there inquiring in XXXX  which is when the garnishment first started but some way XXXXXXXX XXXX XXXXXXXX is collecting on an account that does not belong to me and refuse to provide proof. I have requested for this to stop per I have never received any legal court documents from XXXXXXXX XXXX XXXXXXXX. I was only aware of this issue per the garnishment and my payroll department informing me of the company requesting and taking my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX and experian I was unable to pull XXXX. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS
Product: Mortgage

In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! 
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.
Product: Debt collection

XX/XX/2012, my adult son became ill and hospitalized for several days. He did not have any income and several months later I found his medical bills on my credit report! I had California 's Medi-cal program for my minor son, but not for my elder son who was XXXXyrs. old at the time. I contacted them and they told me his medical bills were attached to my credit because he had no income! These collection accounts have devastated my credit scores! I contacted the collection company asking them to remove them but to no avail! These accounts are on my credit profile to this day, and they " update '' the date of collection every month as though they are new collection accounts! I am unable to refinance my mortgage now because of these bogus charges!
Product: Checking or savings account

XX/XX/2019 I went into PNC branch to dispute transactions on my account due to stolen bank information bank card and identify theft. I went over in detail from the printed statement and spoke to someone via phone while at the desk of banker all the transactions not authorized. From the theft of my PNC SmartAccess banking info, card and checking and routing number there were unauthorized charges. 
I advised all unauthorized events with date, time, and amounts. They began the dispute. 
The banker cancels and closed my bank card ending in XXXX and sent a new card to me. 

PNC Case # XXXX Total charges {$370.00} XX/XX/2019 I requested a provisional credit for the charges and have not received anything. 

XX/XX/2019 I initiated a call @ XXXX to speak with the dispute department because at this point no one called me or have I received letter of the dispute In mail. I asked the status of the dispute. Per the caller stated that they have determined that no error has occurred and Denied my dispute due to theft as a loss. 

XX/XX/2019 I stated this is unfair and to redispute this issue because as a consumer to a bank whom is insured FDIC am being failed by PNC. Stated that since a second redispute they will not offer provisional credit for for second disputes. I stated they never accommodated the initial dispute for provisional credit and they were rude. 

XX/XX/2019 I called and they denied my redispute. This now has placed a financial hardships and no resolution. PNC has not protected me or my money as a financial institution. I should not be at loss due to PNC feeling as their opinion not an error. Now I feel as though I am being discriminated and my rights are void. 

According to the policy PNC has {$0.00} member liability and 24/7 Fraud protection. 

I have been denied all of protection and policy and this is unfair and want to submit as a consumer. I have been with PNC for 4 years this is not protection.
Product: Debt collection

XXXX XXXX XXXX finally posted my bill for me to pay on XX/XX/XXXX after requesting what exactly I owed them for and why they didn't ask me to pay the amount when I was in their office multiple times asking if I had a balance. Once it was posted I paid it immediately. The original bill was from 2013, and was sent to Creditors Service Bureau XXXX, Mi. Creditors Service Bureau refuses to take this off my credit report as paid. I requested it numerous times and they will not take it off unless I pay them also.
Product: Vehicle loan or lease

Me and my father who is deceased now purchased a car back in XXXX from XXXX XXXX XXXX it was a XXXX XXXX XXXX he was my cosigner for the car it was financed threw wells fargo auto loan and since my parents passing I have moved around so my mail hasn't caught up to me I received a letter in mail but it never got to my hands it was addressed to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX nm I would like to know if I am entitled to any part of the lawsuit they had in XXXX XXXX my had been repossessed with a lein and towed by XXXX XXXX of XXXX nm I would like to know if there's anything wrong with what happened in which I never received any letters or phone calls in briefing me about the situation since my parents passing its hard to get the info from wellsfargo since it's been so long they give me no corporation in the account info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a letter from XXXX XXXX, from Loan Cares Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and LoanCare has not updated the reports to the credit bureaus. After attempting to contact LoanCare, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and LoanCare`s incompetency is preventing me from doing so.