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

I recently filed a dispute with Experian to see if could remove the late payments from one year ago in my car loan with XXXX XXXX  XXXX XXXX XXXX. When the dispute was complete, the whole account was removed from my credit report when I only requested the late payments be removed. Experian told me the credit Union needs to reinstate the account and the credit Union is telling me they are still reporting it. Its still not there. It is an open account that I pay on time and am not getting the credit for it being in good standing. I have not heard back from my credit Union to get help with correcting this and I cant reach a live person who can help me either. Both parties claim the other is to blame and in the mean time, Im not getting the credit I deserve.
Product: Debt collection

The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report. 

Upstart network account # XXXX This account information is not accurate I ask for a debt validation proof of signature or any sign document that connect or provide proof that this account is mine. 
Just a update from the credit bureau says the account is updated or verified!!
Product: Debt collection

XXXX XXXX  XXXX billed me improperly for amounts my insurance should have covered. I told them to bill the insurance and it looks like they never did they just continued to send me bills. I continued to dispute such charges. They sent my debt to collections now with Credit Collections Service XXXX XXXX, MA. This was a surprise medical bill anyway, it should have been covered on my insurance and I never consented to my bill and statement being send to Credit Collections from the start. XXXX now continues to contact my after being asked not to be contacted about this debt that I do not owe.
Product: Debt collection

Never took out this loan. I had a police report years ago for this debt and my identity being stolen. They have flagged my credit report 25 times in 5 days.This company harassed me and threatened me. Said they call my employer and come after my kids even for this debt. They refuse to send me anything about this or even documentation for it, other than hearsay from the original creditor which deleted it when they got my police report in 2013
Product: Mortgage

years. In XXXX of 2019 and was sent a default notice. mind you-i made my payments online but their representative had keyed my checking account number in wrong by adding another number to my checking account. This was told to me after i questioned the default notice. i was very upset and questioned the various amounts of money that went out from my bank ( XXXX ) and wells fargo ( which the payments were listed ). 
Some of the payments reflected missing payments which shouldn't. I don't see why i have to make up the payments when it was the representative 's mistake from wells fargo. i have never had this mistake at all. Everytime i call in-i get the same response and my husband feels that i didn't make said payments. What can be done? I also am fromthe state of teexas and this happened during the time of the storm ( Tropical Storm Imelda ).
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 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 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 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 card

I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Branch Manager/VP of Mortgage Lending XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX NV XXXX XXXX ID : XXXX On XX/XX/XXXX I reached out to XXXX XXXX and company regarding a hard inquiry notification I received. I did not authorized them to pull my credit in XX/XX/XXXX or XX/XX/XXXX. When I spoke to XXXX XXXX she advised me she read an old email from me and sent it to her assistant to run my credit! She was out of the country at the time according to our phone conversation. She apologized, and I stated very clearly I wanted the hard inquiry removed. I did not provide consent. Nothing was signed, no verbal or written consent was provided to XXXX XXXX and XXXX XXXX to run my credit. I requested for a ballpark estimate back in XXXX as I was going to purchase a home, but did not want to run credit yet since I wasnt sure. However my report was pulled when XXXX XXXX requested to review my prior tax docs. Fast forward XX/XX/XXXX she ran my credit again, however this time I made it absolutely clear I wanted corrective action. Still upset from XXXX incident, she made a mistake again. 4 months have passed since and no updates have been given. Id like to have an investigation open as I now have 2 unwarranted hard inquiries from this company without consent.
Product: Debt collection

I have been trying to dispute a negative mark listed on my credit file from a company I do not recognize with no, luck. I called the collection company and was told I had to pay it. 
upon asking them for a signed contract with them they were unable to produce such. 

instead, they sent me a letter with an address I don not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX Michigan ran a credit inquiry on me without my permission. I noticed it on my credit report and contacted them. They were of NO assistance in the matter. I already have an open dialogue/dispute ongoing with the company about a fraudulent account they allowed to be opened in my name in XXXX of XXXX. The bill for that fraudulent account went into collections and still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection for a company on my XXXX credit report called Central Portfolio Control. I have never been notified by this company and I don't have an outstanding debt with them, This needs to be removed from my report.
Product: Checking or savings account

In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in XX/XX/XXXX.
Product: Credit card or prepaid card

I allowed myself to believe the Paypal person who called me after my first complaint with consumer financial protection bureau when I was thanked for bringing a bad merchant - that had used PayPal as a shield to an ambush marketing program ( one where you have to cancel before the trial period ends or they will charge you the next month 's subscription amount ). 
Anyway PayPal concurred that I was due the credit for this but because I had also tried to charge back with XXXX XXXX XXXX, that they were just waiting to hear that they were not honoring my charge back request ( XXXX XXXX  had issued a temporary credit but then reversed on XX/XX/XXXX ). The gentleman from PayPal said if they had not heard back from 'XXXX XXXX by XX/XX/XXXX, they would issue the credit. Well it's the XXXX of XXXX and still no credit- this has been going on now for 6 months!!
Product: Debt collection

The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander bank shows my XXXX credit card with late payments prior to being closed through bankruptcy. The card was under XXXX XXXX and not a XXXX card.The card was in use thus proving payments not late as we would not be permitted to use a delinquent account.This account was never late but closed through the bankruptcy and payments were made via my XXXX XXXX account to XXXX XXXX   and with much difficulties to tracking at this late date and I only have access to check numbers not to who the check was made out to.If they can supply me with monthly due I will try to locate these payments NOT TO XXXX CARD OR SANTANDER BANK!!! Thank you
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2018. I have filed a previous complaint about the repossession with the issues that still have not been resolved. In getting my car back first of all XXXX XXXX XXXX  knew I was getting my car back and the very day I payed to get it back they transferred it out of state. Leaving me with a XXXX bill to even pick up the car. When I got in my car the muffler was really loud. As I drove the car I noticed that I was having a hard time steering it. My car was 2 hours away by the time I got home I was horrified. The very next day I called XXXX XXXX XXXX  and was told that it was the responsibility of the company that did the repossession. I called and filed a report with the repo company and was jerked around for almost 2 months I do believe. All the while I am driving a car that isn't safe according to New York State laws. Well after I got the denial letter telling me that it is pre-existing. It's not because the day I had the car repded I had just drove back to NY from Indiana. In the condition the car is I can't even go to Indiana. This is what is wrong with my car, the whole muffler system is off the car, I have no horn, I can barely steer the car. Making right turns in really difficult. I have a new key for my car and also I have no horn. The other day in a ice storm I slid off the road because I couldn't control the car. My car can not be NY inspected because in the condition it was given back to me it will never pass inspection. Like in the repossession they have given me the run around. XXXX XXXX claims that she was trying to call me to resolve the matter but I never responded. Well if I wasn't answering me she could have sent me a letter telling me that they are trying to get a hold of me. I got nothing. My car is not safe to be on the road according to New York State law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent out certified letters that including a demand for removal of late payments, a copy of my ID, A copy of my Social Security card, and a copy of my utility bill. I am requesting removal of late payments. Late payment entries on my credit report that are inaccurately portraying my credit history were reported in violation of the federal law. Pursuant to the Fair Ceedit Reporting Act specifically Section 623 of 15 USC 1681s-2, Responsibilities of furnishers of information to consumer reporting agencies. Please be advise that furnishers of information such as XXXX, Equifax, and XXXX have a duty to provide accurate and complete information. Section 1681s-2 of the FCRA outlines the following specific responsibilities for furnishers of information : Duty to Provide Accurate Information : Furnishers must provide information to consumer reporting agencies that is accurate and complete, and they must investigate any reported inaccuracies. 
Duty to Correct and Update Information : If the furnisher discovers that information they previously provided was inaccurate, they must promptly correct and update that information. 
Duty to Report Disputes : If a consumer disputes the accuracy of any information furnished to a consumer reporting agency, the furnisher must conduct a reasonable investigation and, if necessary, modify or delete the disputed information. 
It is evident that XXXX, Equifax, and XXXX has failed to fulfill its obligations under 15 USC 1681s-XXXX, resulting in the inclusion of false late payment records on my credit report. These inaccuracies have had a profoundly detrimental impact on my creditworthiness, limiting my access to credit and causing undue financial distress. 
I, therefore, request the immediate removal of all late payment notations from my credit report, as well as any related negative impacts on my credit score.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX XXXXXXXX is missing my positive payment history from Experian and needs to be updated immediately so that it is reflecting accurately. 

Acct XXXX is missing my positive payment history from Experian and needs to be added immediately This account should be reporting identical across all 3 bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under 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 instruction Also the credit bureaus took more tan XXXX days to complete the investigation i send them a letter on XX/XX/year> and never got a response and have mailed them more then XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : Equifax, XXXX, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?
Product: Debt collection

I received a notice from LCA SERVICES on XX/XX/XXXX in my mailbox. I have a scan from USPS Coming to my mailbox every day that shows pieces of my mail. I contacted the phone number at XXXX XXXX XX/XX/XXXX declared this was not my debt and that I needed to see an itemized breakdown of this supposed debt. I was told I would receive one in five business days. On XX/XX/XXXX when I did not receive such statement I called again and was told the company submitted the day before, and it would be mailed out the next day as of XX/XX/XXXX. I have not received anything from LCA services regarding the breakdown of suppose a debt from XXXX XXXX XXXX, who also started an eviction against me for the a different amount, dismissed that case and then started another, which has now into a civil suit since they have over $ XXXX in damages against me as a tenant. LCA Services uses multiple business names which is also misleading and deceptive in nature. At this point, it feels like discrimination and harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was declined by Chase for a Chase freedom unlimed card
Product: Bank account or service

I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.
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 confidentially 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.