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

I am re submitting my complaints because I fail to list the accounts with account number. But its been over 40 days since Ive sent in dispute letters too all 3 credit bureaus XXXX, Equifax, and XXXX. I've been hung up on and mistreated unfairly and There has been no changes to my report and I am fully aware of my consumer rights. once again According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

I am also aware of the following : 15 USC 1681 section 604a 15 USC 6802 ( b ) ( c ) 15 USC 1681C ( a ) ( 5 ) 15 U.S. Code 1681s2 ( A ) ( 1 ) 15 U.S. Code 1681e 1681c 1681b 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

These are the following companies and accounts numbers for XXXX : XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX  XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance {$740.00} -XXXX XXXX XXXX XXXX {$560.00} -XXXX XXXX XXXX XXXX Balance {$3700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$600.00} -XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX Balance {$1900.00} These are the following companies and accounts numbers for Equifax : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$4900.00} -XXXX XXXX XXXX Balance {$2400.00} -XXXX XXXXXXXX  XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$12000.00} -XXXX XXXX XXXX These are the following companies and accounts numbers for XXXX : XXXX XXXX XXXX Balance {$0.00} -XXXX XXXX  XXXX Balance {$2400.00} -XXXX XXXX  XXXX Balance {$3000.00} -XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXXBalance {$12000.00} XXXXXXXX XXXX XXXX Balance {$850.00} XXXX XXXX XXXX Balance {$560.00} -XXXX XXXXXXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft that I informed XXXX, Equifax and XXXX about years ago that my purse was stolen with my state issued identification, social security cards and debit cards was amongst those things in my purse and since then I have been struggling to build my credit history due to these fraud accounts that they won't allow me to establish my history
Product: Credit reporting or other personal consumer reports

Rocket mortgage is reported my account as having late payments. 

Violating 15 USC 1681 and 15 USC 1666B
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> Bank of America pulled my credit with my express permission. 

I have disputed with XXXX and they have failed to remove. Stating the company did not reply and it remains on my report. 

Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, we made a payment of {$560.00} to pay our Apple Goldman Sachs credit card bill thru XXXX XXXX Bill Pay. Apple Goldman Sachs credit card claimed they never received the payment. So to avoid a problem, we paid an additional {$560.00} that was subsequently credited to the account at the end of the month. 

We contacted XXXX about the first payment on XX/XX/XXXX and XXXX said they send the payment electronically and provided proof that the payment was sent and received. We've sent this proof to Apple Goldman Sachs more than once. Apple Goldman Sachs keeps claiming they can't find the payment. We've had at least 20 phone calls with people at Apple Goldman Sachs and no one seems to know what is going on. 

On XX/XX/XXXX, someone named XXXX called from Apple Goldman Sachs and even got XXXX on the phone with me to verify all the information in the proof of electronic payment. 

On XX/XX/XXXX, someone named XXXX called us from Apple Goldman Sachs and went over everything with us again, and acknowledged that they must have the payment somewhere and said she will track it down and make sure we get credit. She had promised to keep in touch with us but to date, we have heard nothing. 

We would like the credit for the extra payment of {$560.00} that we made. This has taken hours of our time and we are left with the impression that we are being stonewalled in the hopes that we will just go away and Apple Goldman Sachs will just keep the money that is rightfully ours. It's hard to believe that they are doing that, but the alternative is that their staff is incredibly incompetent. I'm not sure which one it is.
Product: Mortgage

In XX/XX/2018 as I was preparing to sell my house, I was reviewing my payment history on Ditech Financial and noticed that they had made an error in XX/XX/2018 they posted my mortgage payment twice on, and then reversed the duplicated payment that was posted in error on XX/XX/XXXX and then they then reversed the payment a second time on XX/XX/XXXX, when I called to inquire about this the representative first told me they had re-applied the second one on XX/XX/XXXX and he sent me a PDF showing this payment was in fact re-applied, what I found very odd was that the principal balance I could see online and the principal balance of this PDF they sent me was exactly the same. I questioned him on the fact that the math on the PDF that was sent did not add up and that the principal balance was exactly the same as what I see online without the reapplied payment. If in fact they did reapply that payment then there would be a significant difference in the principal balance. I was then told that it was a programming issue and that the computer system shows different information online as to what they have in the system, I informed him that I am a computer engineer and what he is saying sounds very suspicious. I asked to speak with a supervisor who also argued with me about this imaginary reapplied payment. The PDF that was sent to me was only available to view for 45 mins then it was removed from the system. I have since sold my house and probably can't recover the money that they have shorted me, however I am extremely concerned that they are possibly doing the same to other consumers
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

I am writing to dispute the past due status on my account for the original creditor " XXXX XXXX  '' with account number # XXXX with a balance of {$0.00}. 

I am a victim of identity theft and I can assure you this past due is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 1666B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )
Product: Vehicle loan or lease

We had an issue with the car braking down and we're supposedly paying an additional service for insurance on the motor and what not now that it was having issues they don't want to fix it because of supposedly neglect to the vehicle
Product: Vehicle loan or lease

In XXXX of XXXX I received notification that I owed property tax from a vehicle that i turned in in XXXX of XXXX. At that time I looked at my account and it said it was clear. I then contacted GM Financial to make sure this was a legitimate claim. I then sent a check for {$100.00} that was cashed on XX/XX/XXXX. I also filed an abatement for the vehicle which GM received {$120.00} so a total of XXXX which is more than the {$180.00} they were looking for. This has affected my credit scores and I have tried to go through the process with them and it is still being reported incorrectly. I did reach out to them and they said they would not do anything.
Product: Credit card

I called Dell financial because I could not get into my account to pay my bill they make it impossible to get I got he account. Especially since they switched banks in the middle of my credit card time. On XX/XX/19 I called and spoke with a representative to pay my balance and close my account. I made it clear I wanted to be done with them and have my full balance paid. I was assured that my balance was paid and the account was closed. A month later I get a bill from them and again could not access my account so I had to call them. To find out that 5 days after I closed my account they assessed a late fee and the late fee has been racking up interest and also another late fee and more interest. Well after the account was closed. I was hung up on when I asked to speak to a supervisor. Then had to call back and kept getting transferred to supervisors which I believe were just co workers. Each level the person was ruder than before and would refuse to speak to me so then I would get pushed to the next supervisor. Finally get to the last supervisor and mind you this is a recorded line I can hear the call center talking to each other saying we could waive the balance but Im not going to offer it to him. All on a recorded line I called the me out on it and they acted like that didnt happen. They are doing deceptive practices and preying on individuals who believe their account is closed and having them rack up late fees and interest. I paid the balance but do not believe I will be done with them as they said I would have another late fee assessed next month. I want my money back for the late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Im demanding for the removal of a missed payment reported by the Wells Fargo Auto loan for XX/XX/2022 Upon further investigation, it has been revealed that the missed payment was allegedly due to inaccurate account information for a scheduled payment. However, this explanation appears to be implausible as payment can not be scheduled without a verified account on file. It is important to note that a payment can not be scheduled without a verified account on file, which leads to the suspicion that my account was deleted by the Wells Fargo system after I scheduled the payment with a verified account.
Product: Credit reporting

There is an account from the Veterans Administration on my credit report from XXXX that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and XXXX responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with XXXX to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XXXX of 2012.
Product: Debt collection

I sent several letters asking this center to validate the debt but they simply ignored my correspondence. Also i tried to dispute with Experian but Experian doesn't bother to reinvestigate, they asked me to supply them with more documents!!! how i can prove something that does not exist!??? they claim this bill exist, so they should validate it for me.
Product: Checking or savings account

Wells Fargo bank authorized charges to my debit card that was stolen, amount was around ) XXXX dollars total on about 8 transactions plus overdraft fees I disputed charges and the bank decided claim was denied so I want to file a Appeal and that was also denied and was told they are not appealing charges and that is a final decision but could not provide me with a specific reason as to why this claim was denied other than my spending habits and resent transactions that how they made there descision
Product: Credit reporting or other personal consumer reports

Someone attempted to obtain a credit card through XXXX XXXX XXXX Bank in my name. This has happened XXXX times this year. XXXX, XXXX, XXXX and XXXX. I want all of these hard inquiries removed from my Trans Union credit report. 

XXXX took off XXXX and XXXX inquiries but not XXXX and XXXX. These hard inquiries need to be removed from my account.
Product: Debt collection

On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX   acct # XXXX has violated my rights under 15 USC 1681section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX acct # XXXX XXXX has violated my rights under 15 USC 1681 section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX has violated my rights under 15 USC 1681section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,
Product: Vehicle loan or lease

Our vehicle was repossessed on Wednesday XX/XX/XXXX. Initially we were told to pay {$1800.00} to get the vehicle released. Talked to someone else who said XXXX. Talked to someone else who said {$1200.00} after talking to a supervisor. We made a payment of {$630.00} and a payment of {$600.00} all in the same day. Thursday XX/XX/XXXX we called in the morning to see if our vehicle was approved to be released and they said to call back at XXXX for confirmation. We called back at XXXX and they said the XXXX made a note in the account to pay another {$1000.00}. Come Friday XX/XX/XXXX we did not pay the {$1000.00} but the company said our vehicle was aporoved for release and we had XXXX business days to get our vehicle. We made an appointment with the company to get it released. Monday XX/XX/XXXX the repo company stated they have not recieved a release letter. We call XXXX XXXX to tell them and upon that they stated we needed to pay another {$75.00} to get the vehicle released and also our vehicle was moved to auto auction. After speaking to someone else with XXXX they then stated we actually needed to pay another {$370.00} in repo fees to get the vehicle approved for release but they cant send us any confirmation that if we pay the {$370.00} that our vehicle will be released to us.
Product: Checking or savings account

I opened an account with the app current bank, I received an email that the card was delivered I never received the card I reached out to the support team and they wanted me to verify the information I couldnt verify the information because I did not receive the card someone chnaged my information without my consent
Product: Debt collection

Credit Reporting Agency [ Equifax Information Services, LLC ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] To Whom It May Concern, I am writing to formally dispute an item on my credit report. The account in question is a collection, reported by [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After reviewing my credit report, I believe this collection account is inaccurate or does not belong to me. I request that you verify the validity of this account or remove it from my report entirely if it can not be verified. Please provide all supporting documentation used to verify this debt, as per the Fair Credit Reporting Act ( FCRA ). 

Enclosed, you will find copies of my credit report with the disputed collection highlighted, as well as any other supporting documents for your review. I request that you update my credit report and provide a written response to this dispute within 30 days of receiving this letter, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}