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

Hi Experian, XXXX and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and Experian. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but Experian says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.
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. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX
Product: Debt collection

This company CREDIT COLLECTION SERV which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Debt collection

On XX/XX/19, I was contacted by Joseph, Mann , & Creed stating that I owed an amount of some {$200.00} amount to XXXX XXXX XXXX. I was never contacted by them via writing ( as required ) prior to communication attempts by the company. I have double checked my USPS Informed Delivery and have no receipts of their attempts to mail me the required information. I called them back and told them I was disputing the charge as the charge back was legitimate due to not receiving items that we were charged for and XXXX did not reply to XXXX 's numerous attempts to contact them within the time window.
Product: Mortgage

Select Portfolio Servicing is deliberately posting payments late, so they can illegally charge late fees. Today is XX/XX/2023 and my payment has not been posted. I have never been late on my payments, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceitful, fraudulent, fake documents, that were copied and paste from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices. I also receive my annual statements late and the law states that mortgage should arrive in a timely manner. Prior to SPS, I had never had any problems receiving my mortgage statements or payment being posted. Receiving my annual statements on time, and mortgage statements on time, is the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over XXXX  days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Credit reporting or other personal consumer reports

These are all fraud and I did not authorize any transactions by this company ; whom I never disclosed my information and voice call to. I shall not be responsible for paying debt listed as this is error. Per FCRA all unverified and Fraudulent removedXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX XXXX XXXX Creditor Classification XXXX XX/XX/XXXX $ XXXX Monthly XXXX Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$24.00} XX/XX/XXXX {$160.00} XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Open ; Type of Loan - Secured Credit Card ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Secured Credit Card ; Fixed Rat
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 USC 1681. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting 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 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 


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: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove this inaccurate account in my file. 

XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Consumer Loan

I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.
Product: Debt collection

Today XX/XX/26. A debt collector named XXXX called me at XXXX XXXX local time from the Credit Collections bureau. She called from XXXX. This is illegal to call before XXXX XXXX  under FDCPA. I want them to cease and desist and only contact me in writing from now on
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting 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 USC 1681. Creditor : Caine & Weiner Acct # XXXX
Product: Debt collection

I am still trying to figure out what happened as nobody at the hospital I spoke to would give me any information. I noticed a new account in collections on my credit report on XX/XX/XXXX from Wakefield & Associates collection agency for {$820.00}. They received the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no knowledge of this account until my credit monitoring sent me an alert. The only time I used XXXX XXXX XXXX was back in XXXX and paid that in full years ago. The current account in collections, which I do not have the acct #, was put into collections in XX/XX/XXXX from services on XX/XX/XXXX according to someone I spoke with from the collection agency. The account is not mine. I did not receive any treatment from XXXX XXXX XXXX in XX/XX/XXXX or any other time besides in XXXX. I believe someone is committing identity fraud with my social security number and XXXX XXXX XXXX did not take the necessary steps to prevent this. I requested a written explanation of the account via fax to XXXX XXXX XXXX and Wakefield and Associates collection agency. I also filed FTC report # XXXX and disputed this with each of the three credit reporting firms.
Product: Credit reporting or other personal consumer reports

I hired you on several different occasions and I was promised that the delinquency and collection would be erased but instead they are all back on my credit report, all that money I paid you I should have paid my bills that were in collections
Product: Vehicle loan or lease

I FILE CHAPTER XXXX BANKRUPTCY ON JXX/XX/XXXX AND THIS ACCOUNT CAPITAL ONE AUTO FINANCE WAS INCLUDED AND DISCHARGE IN MY CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX DOCKET NUMBER XXXX. CAPITAL ONE AUTO FINANCE NEVER WENT BACK IN AND INCLUDED MY PAYMENT HISTORY IN MY BANKRUPTCY DISCHARGE. I WAS INFORMED BY XXXX   THAT THE CREDITOR NEVER UPDATED MY CREDIT REPORT. SINCE THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY MY PAYMENT HISTORY SHOULD NOT BE SHOWING ON MY CREDIT REPORT. SECOND I MADE A PAYMENT ON THIS DISCHARGE ACCOUNT FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX IT SHOWS A 30 DAYS LATENESS FOR XX/XX/XXXX. THERE SHOULD NO CHARGE OFF REPORTING ON THIS ACCOUNT AS I STATED BEFORE ANY PAYMENT NEGATIVE PAYMENT HISTORY IS DISCHARGE UNDER MY BANKRUPTCY
Product: Debt collection

Dear XXXX  : I am disputing the above-referenced debt. Please verify this debt as re- quired by the Fair Debt Collection Practices Act. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated.
Product: Credit reporting or other personal consumer reports

Experian offers ( as is required ) the ability to freeze a minor dependent 's credit. 

I followed their instructions exactly ( mailing the full list of identifying documents, including copies of birth certificates and social security cards ) to freeze my minor dependent 's credit. 

I got a paper mail back that simply said " you did not send the required information '', with no indication of what was missing. 

I attempted to contact Experian via their website and their phone number, but on the website the only customer service option was an AI chatbot, and on the phone it's just an infinite tree of prerecorded messages. 

So I'm stuck now -- I can just send the same documents again, but I'll just get the same letter back, and there's no way for me to figure out what is missing. I'd happily send them the documents again, but I want to make sure I get the right set of documents this time... and that requires knowing what was missing last time.
Product: Debt collection

this was a result of a fraud account thru state farm bank that i have disputed numerous times thru state farms ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # 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 XXXX : It also states a consumer reporting age can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files.

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, XXXX and Equifax would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( XXXX ) XXXX XXXX XXXX ( {$3000.00} bill ) -Equifax and XXXX XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX  ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.
Product: Checking or savings account

I've been able to see my tax documents online for each year, but for some reason 2023 I was unable to see my XXXX for roughly {$500.00} in interest. I didn't originally get my return as it was put in the wrong mailbox ( not WF fault ). 

However, I've spend about XXXX hrs trying to change addresses on my profile for WF and meeting with their team to get this sorted out. Their most recent reply is that they don't intend on fixing the problem. 

This is likely an XXXX issue of not allowing access to pertinent documents and not fixing the problem, especially after XXXX calls and XXXX visits to the branch, totaling XXXX of time. 

You can pull calls from my phone number to review the accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through t he Dept of Ed and tha t resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Product: Credit card

My name is XXXX XXXX, I am a senior citizen and do not use online banking much. I have a Discover credit card and set for automatic payment from my Discover Savings account. My retirement income is deposited into XXXX XXXX I have set up the transfer of {$200.00} from XXXX XXXX to Discover Bank on XXXX XXXX XXXX by XXXX, and XXXX indicated that the transfer would arrive at Discover Savings account on XX/XX/XXXX. However, when I checked my Discover credit card account today, I found Discover charged me {$30.00} check refund fee, since the {$200.00} deposit was late deposited on XX/XX/XXXX, and the Discover credit card charged a payment of {$150.00} on XX/XX/XXXX. I am not sure what's going on with the XXXX process between Discover and XXXX, but I don't do anything wrong. I called Discover customer service, but they insist on charging this {$30.00} check refund fee, which I feel is unreasonable since I can not control the XXXX  process between banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Transunion credit report I noticed that there are four ( 4 ) accounts that are reporting inaccurate information. 

1 ) XXXX -Account is reporting closed ; however there are three ( 3 ) late payments reporting in XXXX and one ( 1 ) late payment in XXXX. I have never been late with this account and I contacted the original creditor and was advised to contact the credit bureau to get this information corrected. ( See Attached ) 2 ) XXXX XXXX The account " Status '' is reporting as " Payment after charge-off/collection '' along with the " Comments ''. This account was paid in full and creditor stated that they reported this to the credit bureaus. I was advised by the creditor to contact the credit bureaus to correct this matter. ( See Attached ) 3 ) XXXX XXXX- this account is showing a late payment listed in XX/XX/XXXX, I was never late in paying. When I contacted the original creditor, I was told to contact the credit bureau to correct this incorrect information. ( See attached ) 4 ) XXXX  - this account is reporting a late in XX/XX/XXXX, XXXX and XX/XX/XXXX. I was never late during this time period. I contacted the creditor and was told that I must contact the credit bureau to get this corrected. 

I would like for Transunion to review these in accurate reporting information and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/XXXX )