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

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Settlement agreement made and paid for two accounts with USAA, my c edit report was updated but still reflects a balance owed. I contacted USAA and they informed me the problem will be fixed. I conducted a dispute for both accounts and results came back as reporting accurately. Contacted USAA again and they said it is the reporting agency that has failed to update the accounts accurately. So I conducted another dispute on both accounts and received the same result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, XXXX, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  Charge off balance {$0.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX  Charge off and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$34.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX. 

XXXX Charge off with a balance {$3100.00} On XX/XX/XXXX I sent a dispute over to Equifax about the following questionable items on my account XXXX/XXXX Charge off with a balance {$3100.00} and sent a response on XX/XX/XXXX with the account showing different information than what is being reported. In the account history it shows that actual payment was made on XX/XX/XXXX in the amount of {$72.00} but on my report shows the date of last payment is on XX/XX/XXXX. Which does not make any sense. Also the account is not being reported twice. Follow up letters were also sent on XX/XX/XXXX, XX/XX/XXXX with a Complaint sent in here on XX/XX/XXXX and another letter sent to them on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX accounts listed as late/delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for chapter XXXX bankruptcy XX/XX/XXXX. My meeting with the creditors hearing was XX/XX/XXXX @ XXXX in XXXX , Oh. My chapter XXXX discharge was in XXXX case # XXXX. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , OR XXXX ( XXXX ) XXXX account opened XX/XX/XXXX is reporting as a Charged Off with the remarks : Purchased by Another Lender > Paid In Full/ Was A Charge Off. 

I have disputed this several time with all 3 credit bureaus and the individual company and they refuse to update it to state Discharged Chapter XXXX dispute my many requests. They stated that since it was sold prior to the bankruptcy discharge date that they do not half to. This is incorrect by law and I have followed up with my bankruptcy attorney ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX advised me to send this request and if not resolved to follow up with him to proceed in legal action. 
Last dispute date XX/XX/XXXX with XXXX  file # XXXX Investigation report completed XX/XX/XXXX. As previously stated this is just one of the disputed examples ; I have filed several times with all 3 credit Bureaus since XX/XX/XXXX. All other disputes regarding my previous accounts were all corrected and updated to reflect the Chapter XXXX bankruptcy, but XXXX XXXX refuses despite my continued requests, copys or discharge documents & per current bankruptcy law.
Product: Debt collection

I have vehicle lease account with Toyota Financial Services that was properly paid for and closed on XX/XX/XXXX As I changed address after the account was closed, I did NOt receive any further communication from Toyota. But, I get a call from a credit collection agency, XXXX XXXX XXXX, onXX/XX/XXXX regarding a debt to Toyota. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted Toyota and disputed the missing key. Toyota told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with Toyota, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX keeps telling me that this is what Toyota reports to them. Each time I contacted Toyota at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to Toyota.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 i sent a ACH payment revoke letter. On XX/XX/2019 they took a payment from my account without authorization. I am in the process of filing for bankruptcy and told them this. I am making payments to my attorney in order for us to file.
Product: Credit card or prepaid card

Someone opened a US Bank and XXXX XXXX XXXX credit card in my name around the same time. I've contacted both banks to resolve this issue and even sending my ID as proof as I did not open any accounts. Please check the IP Address from where the accounts where opened. 

I had no access to this cards nor did I have anything mailed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 
Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Collection : XXXX Account # XXXX {$11000.00} Delete the account immediately because I was never given any contract ( or proof ) that this is my account. And I have never had any account or services from XXXX or XXXX XXXX XXXX. Furthermore, TransUnion allowed XXXX to re-report a closed account as an OPEN ACCOUNT. Finally TransUnion reports Date Opened XX/XX/XXXX XXXX reports XXXX as a CLOSED ACCOUNT. XXXX report deletion on XX/XX/XXXX Delete Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}
Product: Debt collection

Advanced Portfolio Group is calling and harassing me. On XX/XX/22 This company has threatened to send my information over to the Sheriff 's Department for further actions if I didn't allow them to talk to me in a degrading manner and belittle me on the call. Upon receiving the call this company also released my complete personal information on the call without getting any verification by date of birth or SSN. This company released my personal details without confirming they had the correct person on the line. I requested a manager in regards to the violation of my rights to my personal information. The manager came on the line and over talked me, used a condescending and demeaning tone and also yelled at me after I requested to speak with him in regards to violation of my rights to my personal information and threatened police action. The manager also threatened to report my information to the Sheriff 's Department if I didn't comply. When I asked for options the manager was deceiving in the information provided and wouldn't give the proper information, details and options available with the company. He lied about payment options and threatened to hang up and send me to the Sheriff 's Department if I didn't make a decision with him right then on the call. He transferred me to another agent and she also lied about payment options and methods of payment available to their customers. After addressing them on their deceptive and abusive acts they also hung up in my face while attempting to discuss this violation and gave deceiving information and lied consistently throughput the call about their terms and what options are available. I would like to sue for FDCPA violations and file a complaint.
Product: Consumer Loan

Consumer Portfolio Services. The interest charges does not match what they say it is. It is only corrected when I call every month. If no one calls about it they will take your money without a doubt. Rude customer service. Total rip offs!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Student loan

I am the holder of loans currently under the management of the Nelnt student loan servicing company. Upon my application for enrollment in the " Saving on Valuable Education '' plan, I received information that substantially deviates from the guidance provided by the official studentaid.gov resource. My attempts to establish contact with the company via telephone have been obstructed by severely constrained operating hours and excessively protracted wait times, rendering any meaningful engagement with them practically unattainable. 

I kindly request a detailed comparison of the interest subsidy description outlined in the attached screenshot against the corresponding information available on the official website at https : //studentaid.gov/announcements-events/save-plan for the purpose of addressing these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.

XXXX XXXX/XXXX XXXX / Brightwater Capital has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.

I've been asking for verification for 6 months in certified and notarized letters.

They replied once on XX/XX/XXXX The letter stated the account had be sold to Brightwater Capital which also included a non letterhead computer faded copy of a copy statement.

On my credit report it's stating XXXX/XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in XX/XX/XXXX.  Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!
Product: Credit card or prepaid card

We have attempted to close the account and pay an agreed settlement with comenity capital bank and XXXX XXXX XXXX XXXX. We have spoke with the company more then 20 times trying to get them to send the proposed agreement to us. We have spent hours talking to multiple representatives supervisors, managers, and every single one had a different policy or answer as to why we have not received a confirmation letter of any kind. Each of the dozens of people we have spoke to has given us different answers for when we will receive this agreement and receipt confirmation ( 1 hour, 2 days, 6 hours, 30 days, etc. ) which has been going on since XX/XX/XXXX. We have yet to receive a single promised agreement, receipt confirmation or communication. The agreed amount of {$2900.00} was finally taken out of our checking account on XX/XX/23 with no receipt given. I have never in my entire life dealt with such a crooked, dishonest company. All we are trying to do is reconcile this matter. They have our money but will now verify it in writing. We have also filed a complaint with the FTC regarding this issue. They are a company that tries to put off customers by passing you on to the next representative or supervisor in the hope that the customer will give up. We are also going to file a complaint with all the credit bureaus because they have reported and dinged our credit score, which could have been avoided if this was handled properly. The initial charges on the account were taken without the dental work being completed properly ( XXXX XXXX falling out 3 times and we are still waiting for the work to be completed properly ) Unfortunately we have no supporting documents because they have never responded to us. I do have phone numbers and names of supervisors if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report.

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation.

In accordance with the Fair Credit Reporting Act your agency 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 an account without my written consent or instructions.
Product: Debt collection

I have been trying to reach Huntington DH at ( XXXX ) XXXX about a debt showing on my credit report. This is the phone number showing on my credit report. I called on XX/XX/2021 and left a voicemail. I called again on XX/XX/2021 and XX/XX/2021 and left voicemails each time. No one called me back so on XX/XX/2021, I searched for the company on XXXX, found the company website and called the phone number listed of ( XXXX ) XXXX. I left another voicemail. 
On XX/XX/2021, I still had not received a call back from anyone so I reached out to XXXX XXXX which is showing as the originator of the debt. I called XXXX XXXX at ( XXXX ) XXXX. A rep told me it was transferred to another agency called XXXX XXXX XXXX at ( XXXX ) XXXX. When I called that number, the rep said the account was transferred to Huntington and gave me the phone number of ( XXXX ) XXXX. I called that number and spoke with XXXX, who said that I called XXXX XXXX XXXX but they are affiliated with Huntington Debt Holdings. XXXX told me the account was outsourced to XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. I called that number and spoke with XXXX around XXXX. XXXX asked for my name but she could not find an account. She then asked for the last XXXX of my social and still did not find an account. She asked for my full social security number and then put me on hold. She came back to the phone, said she was still trying to locate the account, and put me back on hold. After being on the phone and on hold for a total of XXXX minutes, XXXX came back to the phone, said her whole system crashed, asked for my phone number and said she would call me back. I still have not heard back from XXXX or anyone else from this agency or anyone from Huntington which is the debt agency showing on my credit report. 
I would like this account removed from all three credit bureaus and I would this debt to be cancelled. No one can tell me what the account is, what it is for, or who it originally came from. No one can provide documentation showing this debt or who the debt even belongs to. This debt is not mine and there is proof of an actual debt.
Product: Vehicle loan or lease

My down payment was only for the car not the loan! 
XXXX in financing did my paper work and it was not smooth XXXX call me multiple times for the down payment. XXXX who sold the car and the XXXX in financing told me two different price two different options with i was both time confused. My sown payment should not gone to loan. And also XXXX car salesman purchased car insurance without my consent. 
Please review the Autonation XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked that the debt be removed off my credit report but was told that it has to stay on my credit report for 7 to 10 years. This call was place in XXXX of 2022. It is being reported on credit report as being open in the amount of {$500.00} balance. The account has been paid off for over 5 years. I need this to be removed from my credit report because I do know owe this debt.
Product: Credit reporting

I received an alert via email saying that my credit score decreased due to a hard inquiry on XXXX/XXXX/2016. Upon review of my credit report, there is a hard inquiry from an auto dealership I have no knowledge of, and I never authorized this inquiry. TransUnion went on to say they can not remove this inquiry without a letter from the inquiring company allowing this inquiry to be removed. The auto dealership said they never pulled my credit report, they also informed me they do not use social security numbers to pull inquiries, in most cases. The customer name from the inquiry does not match my name, and her address is now listed on my credit report. I have never held residence at the addresses on XXXX XXXX. Neither companies are helping me resolve this error.