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

Equifax Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

Equifax lists a collection in the amount of {$100.00} from XXXX XXXX  from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does Equifax allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from XXXX XXXX  or EQUIFAX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian & XXXX  several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided Experian with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.
Product: Debt collection

on XX/XX/2021, i sent letters out to Smith , Rouchon & Associates, Inc about some alleged balances of {$310.00} and {$45.00} that i don't owe. first its a violation of my rights by sharing my medical information with 3rd parties,2nd, its some inaccurate items reporting on my report. i requested information concerning the validity of the debts as well that i have not gotten.
Product: Credit card or prepaid card

I applied for a sears credit card in store o n  XX/XX/XXXX . I never received a card. I have a credit monitoring service that alerted me that this account was 90 days past due on  XX/XX/XXXX  and also  XX/XX/XXXX  for the amount of {$66.00}. My credit score dropped from   XXXX  to a little over  XXXX . I called SEARS / CBNA and reported this problem and was told that the account would be closed and investigated for fraud. I filed disputes with  XXXX ,  XXXX  and  XXXX   XXXX . My credit monitoring service is still showing this account to be open. I would like to close this account and have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft 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
Product: Debt collection

To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.
Product: Credit card

XX/XX/XXXX purchased refrigerator, ,never received refrigerator, ,no response from company, ,BOA shows me no proof of delivery doesn't return emails or phone calls when promised, ,I have been with this bank for over XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, XXXX, and Transunion. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Product: Debt collection

I have had five medical debts that were once removed reappear on my XXXX credit report. When I disputed 3 of the 5 all which was from the same company XXXX XXXX were removed. The other two were not. I sent a certified letter to XXXX advising them that these were not my accounts and they were removed in the past. Also that in XXXX 2016 the accounts were under XXXX XXXX and were removed then once disputed as well. Then after that the accounts came back under XXXX XXXX which is another name that XXXX goes by and the accounts were deleted off my credit report and now for the third time same debt is back under a different name. I also stated to in the letter that XXXX XXXX is not licensed in the state of Florida ( which is where i reside ) to  be a collection agency. Also I asked for proof since XXXX and XXXX states this is my account. All I received back from XXXX was that the accounts were verified, I tried calling and still get the same result. I have done everything I feel I can do and still have not had the proper resolution.
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account *XXXX XXXX XXXX XXXX with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

**Reference to PAANL ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations.

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly.

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XXXX did not receive any transcation through XXXX XXXX XXXX from senders. 
1. XX/XX/XXXX {$840.00} 2. XX/XX/XXXX {$19.00} 3. XX/XX/XXXX {$100.00} 4. XX/XX/XXXX {$5.00} 5. XX/XX/XXXX {$5.00} 6. XX/XX/XXXX {$91.00} 7. XX/XX/XXXX {$180.00} 8. XX/XX/XXXX {$18.00} 9. XX/XX/XXXX {$1.00} 10.  XX/XX/XXXX {$20.00} 11. XX/XX/XXXX {$150.00} 12. XX/XX/XXXX {$100.00} 13. XX/XX/XXXX {$150.00} I linked my email address as the primary XXXX account number since opening the Chase account and never changed. But during that periodI did not receive any transactions from senders. HoweverI received all the email from Chase Quickpay team.

I have called Chase customer service many timesone of the represenstitive said my XXXX was under a different persons bank account and money was sent to him. Other represenstitives told me to ask senders to cancel that transactionsbut all failed to cancel. 
It is so hard to call the customer serviceI repeated the problem many timesbut not be solved.
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 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 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 reporting, credit repair services, or other personal consumer reports

I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was charged with XXXX XXXX XXXX The charge was then reduced to tampering  with evidence. On the report on XX/XX/XXXX, it was reported as a XXXX XXXX XXXX On my report I would like my charge to say tampering with evidence. False information was published through to a job I applied to. I was adjudicated guilty for tampering with evidence.
Product: Student loan

I have filed complaints with this agency in regards to the predatory practices of Navient in regards to my student loan and continue to get no response as to why Navient had placed this account on hold since XXXX due to, as it claimed, a bankruptcy lawsuit filed by other borrowers. I have never filed for bankruptcy and Navient should not be able to charge me fees for a lawsuit that had nothing to do with me. Prior to XXXX, Navient had placed this account in deferment in XXXX, where it gathered thousands of additional dollars of exorbitant forbearance interest fees. In total, Navient has held this account in deferment and hold for 14 years, where no payment could be made. The original loan was {$7000.00} ; it is now more than {$18000.00} after 14 years of one hold or another. Navient used the credit bureaus as a weapon in XX/XX/XXXX and reported the account in late status without informing me when the bankruptcy hold would be released. I believe Navient did this punitively after my complaints with this agency because it responded to one of my complaints by simply stating the hold would be lifted " soon, '' which does not indicate an actual date, but still they reported the account late. I spoke with an agent with Navient in XX/XX/XXXX, and she informed me that the fees assessed to this account for the bankruptcy hold should not have been based on that lawsuit as this account should not have been a part of that procedure since it that did not pertain to this account. Navient apparently is ignoring this matter and deceptively distracting with a story about not having an up to date address for me, even while I have had my mail forwarded with the post office. They have not provided life of loan documentation with legitimate attempts to contact me, but they have provided proof that they have not been an honest broker of this service by using the credit bureaus as financial weapons, omitting the date the hold would be lifted from the bankruptcy hold in their CFPB response to my complaint for inaccurately placing this account on a bankruptcy hold for 9 years plus 5 years in deferment hold before that, and now trying to steal 14 years of forbearance interest fees from me without remorse or accountability.
Product: Debt collection

This is a false lease with my information. The apartment complex ( XXXX XXXX ) used my information from previous lease on a new lease when my ex moved into another apartment unit after I left. They didn't send me a copy of the original lease as requested, cause they don't have it. I need this removed, as it was used fraudulent by the apartment complex.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 5 U.S.C. 1681, which mandated a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure TransUnion complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax just now to dispute 1 of 2 hard inquiries on my report 14 days apart from the same company. I first talked to the company to ask them about the 2nds inquiry and they stated they were allowed to run a report as many times as they needed to within 45 days and it will only count as on inquiry as per the Consumer Financial Protection Bureau. They directed me to the website and the statement. So I called Equifax to make the correction, but they refused to make the correction. I directed them to consumerfinance.gov and explained the statement on their and they continued to refuse the remove the 2nd inquiry. I need help clearing this up. Spoke with a Supervisor names XXXX who said her employee number is XXXX. 

I made the same call to XXXX and they recognized the problem as assured me they would remove the extra inquiry within 24hrs.
Product: Credit card

I believe the account is invalid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX need to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear EQUIFAX I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/2023 Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

an agreement was made to repay my son 's college loans, since then i had to retire and lost more than half my income, i have filled out paperwork three times. I have not been late or missed a payment, and since then they have more than raised the amount by more than double, i wrote them, with a payment explaining i could not pay any more at this time due to loss of income plus i need tires, i have no oven to cook on and my water heater needs to be replaced, the young man was kind enough to re-evaluate my situation and lowered my minimum payment to five dollars a month. I told him i would continue to pay the fifty dollars as i had been. since that time they start calling me as early as XXXX and after XXXX, i have told them arrangements have been made, but each person seems to feel they need to hash it all out again and again, as of yesterday, XXXX XXXX they called me four times, twice on my house phone and twice on the cell my son gave me for emergencies, EVERY time they let it ring one time then hang up. This morning when the phone rang i answered by saying, hello, then i counted to 3 before they hung up. Now i am having my second XXXX  this month and need to get them out because of recurring infections and with missing alot of sleep because of this, i DONOT this aggrevation. PLEASE HELP, they will not stop even though i have told them two times to STOP calling me.
Product: Mortgage

US BANK initially lost a certified cashier 's check in the amount of {$4500.00}, which was sent directly from XXXX XXXX to US Bank by XXXX. The check was signed for by a US Bank representative. We refused to make payments to the loan until US Bank located the check or resolved our dispute by crediting the amount of the cashier 's check ( as we could not simply place a stop on certified funds ). The bank failed to acknowledge the fact that we were already out of XXXX and could not continue to make payments until we were positive the payments were actually going to be acknowledged and credited to our account. US Bank denied losing our check and refused to take any action. Needless to say, during the pendency of our valid dispute, the deficient mortgage balance doubled due to foreclosure attorney 's fees. We requested US Bank to itemize the foreclosure attorney 's fees to ensure the fees were reasonable, but they refused. The loan currently has more than XXXX in attorney 's fees and we are unable to pay this amount, especially considering the mortgage is now XXXX delinquent. 
US BANK refuses to take our calls and the account is not available online.