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

XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My XXXX XXXX has now dropped over XXXX points due to XXXX ' inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX I am reporting a fraudulent account opened from XXXX XXXX services under my business name " XXXX & XXXX  XXXX XXXX XXXX '' the account is now in collections totaling over XXXX and putting my business credit in a hardship this collection is reporting to XXXX XXXX XXXX, XXXX, XXXX, & Experian
Product: Credit card or prepaid card

It seems America Express only approves me for cards with high annual fees. On XX/XX/2018 American Express Approved me for a Gold Card with a {$250.00} annual fee. I have the same exact credit with the same report. And when I tried to apply for an American Express Card with NO annual fees they decline me. Even though American Express approves me for a card on XX/XX/2018. My credit is even much better today than it was on XX/XX/2018. American Express is a fraud. And they are just trying to get me to pay for their annual fee. Even though they short me out of membership points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint through the consumer financial protection board stating that I requested a copy of the report the Trans Union received from my bank XXXX XXXX  XXXX. Trans Union refused to give me that report so I filed a complaint with you folks. Trans Union responded that this is a duplicate of a previous complaint. Please produce the previous complaint where I asked for a copy of the statement from XXXX XXXX   stating that I was delinquent on a payment The Trans Union claims to be in possession of. I wish sleeping dogs could live as good as Trans Union
Product: Debt collection

FTC REPORT NUMBER IS ( XXXX ) These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS! 

15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters To XXXX, Transunion and XXXX on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is violating my rights and have been for allowing these collections to be reported to my credit files to these collections I do not know anything about other than how my rights have been violated in the collection efforts of these row accounts. 

And you all are allowing junk data to be reported to my credit files with these bogus collections accounts that have never been validated by me only more violations of the laws when XXXX XXXX XXXX sent me a collections letter XXXX months ago, XXXX years after they have been reporting derogatory furnishings to the credit reporting agencies. 

This is fraud and I am submitting my informaron for the FTC to investigate I have complained multiple times and this bogus collection account is not even suppose to be on my credit file because the idiots at XXXX XXXX XXXX for over XXXX years has posted these collections when they never notified my me by law of any debts they are alleging I owe and over XXXX plus disputes with the credit bureaus and close to XXXX with the CFPB, I still have not ever had any validation of these collections accounts Being reported to the credit bureaus and when they did send me something in the mail XXXX years later, this miserable document does not tell me any legible service that I was provided and I have never done business with this company called XXXX XXXX XXXX and I am filing fraud charges today with the FTC for identity theft collections being on my credit file. And XXXX going to sue everyone of you for violating my rights once the Department of Justice finishes their investigation of the unlawful actions by XXXX XXXX XXXX and the credit bureaus for violating the laws and my rights. Not once has anyone provided me legible information regarding these collections after XXXX years of unlawfully posting derogatory information that I have never agreed that owe or know anything about but you all have made me fight with overwhelming evidence that you all have broken the laws and still have not removed these accounts and I am filing fraud charges with the FTC today.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts. My identity was stolen.
Product: Debt collection

XX/XX/XXXX was the first time claimant responded to statements and letters of debt via certified mail number XXXX XXXX XXXX XXXX XXXX. The contents of this letter included a fair notice, coupon/money order from statement dated XX/XX/XXXX, and a notice of liability fee schedule. All the items were accepted via a signature from an authorized agent of the company. The amount the statement was for the total balance of {$18000.00} USD, which I endorsed with my signature in order to make it a negotiable instrument. To my knowledge that makes any " debt '' claimed by CARMAX AUTO FINANCING to be offset, discharged and or paid off. Despite my lawful actions to settle this debt, I was still being harassed by agents of the company via phone calls, emails, and letters threatening to take my private property. Claimant sent two more letters dated XX/XX/XXXX, and XX/XX/XXXX informing CARMAX AUTO FINANCING that per 15 U.S. Code 1692c which states that without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These notices also informed the company that I am not a statutory person and I Am in fact a Private person. Article 1, section 10 of the constitution clearly states " All debts shall be payable in gold or silver coin ''. So seeing that I have never been officially " paid '' ( silver or gold ) before, how is one expected to pay any debt? All notices sent to CARMAX AUTO FINANCING requested that the company provide proof that I am in fact an agent of CARMAX AUTO FINANCING who took an oath of office and is or was performing the duties of that oath. I never qualified for the loan in the first place according to Title 26 U.S. Code 2701.
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 : Account name :. 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. 

Potentially NegativeXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX  XXXXPotentially negativeDate openedXXXXBalance XXXX XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $  XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXX/XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. $ XXXXCollection account. $ XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentHard inquiriesXXXX-XXXXInquired onXXXXOn record untilXXXX XXXXXXXXInquired onXXXXOn record untilXXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX XXXX XXXX  XXXXInquired onXXXXOn record untilXXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untilXXXX XXXX onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  my application with Dovenmuehle Mortgage Inc Loss Mitigation was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. Dovenmuehle submitted foreclosure status on XX/XX/XXXX and then again on XXXX  to XXXX . This was illegal. I disputed it on XX/XX/XXXX with XXXX and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to XXXX and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now XXXX has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.
Product: Debt collection

I have 1 bill on my credit for XXXX  and I have attempted to contact them 30+ times to remove this. I have not been successful. I've called the collection company, left messages and sent letters. No reply. This is not my debt. I am not sure where they are sending this bill or why it is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having three or four accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for three separate reports and verify that every one of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal check system report and which is internal repairs on my credit they're using XXXX XXXX  which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to check system for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered LLC so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last 2 years maybe one or two and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every one of the names on there has some kind of business dealing with me or they either had trans union reported on there behalf TransUnion reported for them like XXXX XXXX XXXX
Product: Debt collection

Once the account is a day late ( which is not every month ), I will start to get phone calls from Bridgecrest each day until the payment has been made. I don't pay the car note, but I do know it is never 30 days late. I have asked them not to call me and to call the other person that is on the account that is making the payments, but they continue to call. I have asked them numerous times to not call me and to only contact me by email, but they still call. I will receive three calls and voice-mail a day until I answer the phone. They will continously call me until they receive payment or a postdated check. The last call, the representative tried to use deceptive practices by telling me each time we are late there is a {$9.00} charge after the due date. That is a lie, as we have never been charged a {$9.00} late fee.
Product: Credit reporting or other personal consumer reports

THIS AN UPDATE TO THE DISPUTE THATS CURRENT IN PROCESS. PLEASE ATTACH THIS TO DISPUTE IF POSSIBLE OR CONTINUE TO PROCESS XXXX DISPUTE. 
THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my XXXX report. 

INQUIRIES ( XXXX ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

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 VIA DEALER XXXX XXXX XXXX REMEDY PLEASE REMOVE DELETE FROM MY CREDIT REPORT. 

STUDENT LOAN UPDATE MISSING PAYMENT FROM NEVER LATE TO CURRENT FOR EACH DATE FROM XXXX EACH MONTH TILL XX/XX/XXXX. 

EXPERIAN ; XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TO CURRENT XXXX WAS NEVER LATE ON ALL DATES. REQUESTING AN UPDATE TO SHOW CURRENT FOR ALL MONTHS FROM XXXX TO XX/XX/XXXX. ALSO, THERE ARE XXXX LOANS WITH THE SAME ACCOUNT NUMBER WHICH IS FRAUD. I ONE HAVE ONE LOAN. I SENT PROOF ATTACHED TO THIS LETTER. PLEASE UPDATE MY CORRECT PAYMENT AMOUNTS WITH XXXX BALANCE This information is true to the best of my knowledge.
Product: Credit card

Wells Fargo added a Fraud user to my account and FRAUDLY changed my mailing address to rush deliver the credit card and this FRAUD added user XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all done in XXXX XXXX  over and over again. I have submitted here in previous company if even the police report filed due to the federal criminal charge due to the XXXX XXXX XXXX XXXX  fraud. You gave the copy and so does Wells Fargo, yet they kept adding this FRAUD user to my credit card account over and over again and again. I suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUD I have just recently faxed a letter. I must receive my money back. I live in social security XXXX and was forced to take out a personal loan to protect my credit. {$16000.00} that XXXX XXXX XXXX XXXX  paid Wells Fargo directly. Im owed this + for all the XXXX XXXX XXXX XXXX XXXX this has csused XXXX owes this money the FRAUD added user Wells Fargo added and kept adding.
Product: Checking or savings account

I was not the party that tried to commit theft on my account I in fact reported to them and thought everything would be resolved and they would restore my account, they did the total opposite and just closed my account when I was the victim there was no money token no debt left behind but there hindering me from my future endeavors with the on my report
Product: Checking or savings account

My father passed away in XX/XX/XXXX and designated XXXX equal beneficiaries ( his XXXX children ) for his IRA : myself, my sister ( XXXX XXXX  ) and a XXXX XXXX XXXX XXXX XXXX  ) for my brother. The IRA is currently valued at about {$27000.00} and varies daily with the mutual fund in which it has been invested. 

We have been requesting distribution of the IRA from the bank to the XXXX beneficiaries for XXXX months by email, phone and text. First email record was XX/XX/XXXX and the latest was yesterday. Phone calls began in XXXX and latest was XXXX days ago. We have attached a sampling of the many emails that we sent. 

There is not a single point of contact at the bank. So, each time we contact them, we get a different person who has different, confusing instructions. So far we have determined that ( according to the bank ) each of the beneficiaries must open an IRA account at the bank to receive the funds distributed from my father 's IRA. To date, XXXX IRA account has been established for me. But, the bank is not properly providing my sister with account information because she is XXXX XXXX. She has recently attempted to contact them via email multiple times, but never receives a response. They insist that she speak with them by phone, but their relay service is abysmal and has never worked correctly so my sister does not have an IRA account. 

My brother passed away in XXXX, but the IRA designated his special needs trust and the beneficiary. To date the bank has not contacted the Trust to set up the account. We have provided them with a specific contact, name, address, email and phone at the Trust but they have not followed through. So, my brothers Trust does not have an IRA account. 

So, we are stuck with a bank that clearly has no interest in our relatively small IRA account and is not cooperating with us to move forward with distribution of the funds to the beneficiaries despite many emails ( probably XXXX ) and phone calls ( about XXXX ) to attempt to resolve the issue. We would like prompt action on getting the funds distributed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Equifax on XX/XX/2021 with unauthorized accounts still showing on my report after several letters have been mailed to you!! I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX false altered bill? 
If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. 

This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports.