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

XXXX ; Experian and XXXX are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Vehicle loan or lease

XXXX {$10000.00} I traded in my XXXX XXXX XXXX for a XXXXXXXX XXXX XXXX. The car broke down the first week. There mechanic fixed the problem but it still broke down. We contacted XXXX XXXX he gave me my XXXX XXXX to drive until the repair was done. But still had issues with the truck. It had problems already when we got it. 

XXXX {$12000.00} XXXX XXXXXXXX XXXX it had problems with it as well abs fault light is on and the car needed a core pack. Contacted XXXX XXXX about he never fixed it. So we had to. And the price for it was not what he said and its not a match on XXXX. Also he never registered the vehicle to dmv. 

I contacted Credit Acceptance about both of the vehicles and I try to get in contact with XXXX phone about the car so he would tell me where it was located and the representative I spoke to she wrote everything down. And also when I told them about the problems I was having with the XXXX XXXX the representative told me that they can come and pick it up and resell it so I was never contacted letting me know that someone came or called a mechanic about the XXXX XXXX and they said that it was not worth them picking up. I also told them about the price of the XXXX XXXXXXXX XXXX and the price was way too high is not the same on XXXX and I needed it to be down
Product: Credit reporting or other personal consumer reports

XX/XX/2022 Credit Card with XXXX XXXX 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation XXXX XXXX XXXX XXXX XXXX agree with XXXX XXXX debt consolidation company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact XXXX XXXX in regards to matter, they never would give me an answer. In retaliation for finding their fault, XXXX XXXX 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from XXXX XXXX call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why XXXX XXXX would cut a deal with XXXX XXXX to consolidate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a negative mark removed from my credit report that was reported by XXXX XXXX XXXX. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the XXXX XXXX  now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. It takes months to do title searches and to get approved for a mortgage. 

Our Judgement of Divorce Papers were executed by the Honorable Judge XXXX on XX/XX/2018. 

I just want this negative mark removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry when I did not authorize this. I need this deleted/removed from my credit report. 

XXXX XX/XX/2020 XXXX XXXX shows on my credit report as an inquiry. I did not authorize this. I need this deleted/removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as these are impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4400.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$960.00}
Product: Credit reporting or other personal consumer reports

Portfolio Recovery associates has not proved that the debt on my credit report is valid. After multiple attempts over the last several years and no response or information was ever given. I have asked for all the information regarding the account and the balances on the account. Never got a response when I did get a response it was we called you we reached out to you but I never have received any calls, emails, letters in the mail, and they have had all my correct contact information. They have not responded, about the debt not being valid.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default.
Product: Credit card or prepaid card

My credit unions credit card provider merged vendors in XX/XX/XXXX. As a result all of the credit unions grandfathered XXXX cardholders would be issued a new credit card from ELAN FINANCIAL. 

I had been a loyal XXXX cardmember since XXXX. My account remained in good standing over the years as I utilized both their electronic statement notices as well as their automatic payments. 

On XX/XX/XXXX I noticed my XXXX auto-pay had not posted my checking account. Since it usually does on the XXXX, I called XXXX concerned. They cold transferred me to ELAN FINANCIAL and it was then I was informed by an ELAN rep of the merger. ELAN informed me my old XXXX card was closed in XX/XX/XXXX. My online account access, electronic statements and any associated auto-pay ceased as well. Not once did ELAN send me notice, either written or electronic, prior to the closure and opening of my XXXX and ELAN cards, respectfully. 

After speaking to credit union to verify this merger wasnt a scam, I called ELAN back on ( XX/XX/XXXX ) and asked to set up my online account, make a payment and create a new auto-pay. XXXX Rep said I couldnt do that until I received my new card. Thats when I discovered the credit union had given ELAN an old address and the card sent 30 days before was likely lost. ELAN issued a new one to my correct address. Since I didnt feel comfortable giving out my banking info to someone over the phone, I decided to wait to receive the new card ( in 5-7 business days ) and pay it online then. 

XX/XX/XXXX -23 days later, no replacement card ( ending in XXXX ). I called ELAN and paid more than what normally would have been my monthly minimum due to avoid being reported late. I also requested another replacement card to be overnighted. The card was never ordered by the ELAN rep on XX/XX/XXXX. 

XX/XX/XXXX I received a credit monitoring notice ELAN had reported me 30 days past due. I called ELAN and had a long conversation with a supervisor explaining everything that had occurred. All of which started as a result of ELANs failure to provide any notice of the merger to begin with. The company caused even further damage by not communicating to card members ( prior to their 1st due date under ELAN ) that both  their electronic statement notifications and autopay arrangements had been cancelled. Even an email notice that either service had ceased wouldve given some a chance to rectify it. 

The supervisor took my XX/XX/XXXXminimum due on XX/XX/XXXX and removed my late fee.She also ordered a third replacement card as I never received the first two ( third card ending in XXXX ). She also agreed I shouldnt be held responsible for the 30 day delinquency reported on my credit report. Especially since I reached out to ELAN ten days after my first missed payment and have proactively been trying to resolve this matter. ELAN couldve avoided all of this by providing proper notice to its card members. ELAN has received numerous complaints for their lack of sufficient notice to card members and the cancelling of autopays resulting in many credit report delinquencies against members who dont have a history of being late.
Product: Debt collection

I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from Exeter XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! CAPITAL ONE JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.
Product: Checking or savings account

Our non-profit has had an account with Citibank ( My husband and I have 4 other large accounts there for over 10 years ). I went in person to make a deposit XX/XX/XXXX, and was told the account was closed by the Fraud Division. They wouldn't tell me why and said that I should receive a letter from the Fraud division within 30 days with an explanation and a check with the amount in the account ( about {$110000.00} ). This left our non-profit with no funds to pay personnel, our insurance that was due, or other expenses. With no advance notice, our non-profit would have folded if we weren't personally able to loan the non-profit {$25000.00} to pay salaries and expenses. We eventually received a form letter from the fraud division indication that they were still investigating and we would now receive our funds in another 60 days. The letter was addressed to the name of our non-profit in XXXX but not the official State of California name change that took place XX/XX/XXXX. Not sure if that means anything. Meanwhile the bank is holding our funds with no explanation and the bank told us that the Fraud division doesn't want us to have more information. They still are holding on to our funds that we can not use. We need to keep personally loaning money to the non-profit to keep it functioning with no word from Citibank ( XXXX, Ca branch ) about our funds.
Product: Mortgage

Chase is saying that forbearance does not tack payments to the end of the loan which is contrary to the intention of government legislation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified XXXX that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Experian still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included a different credit report with a different consumer reporting agency to show the inaccuracies contained in Experian consumer reporting.
Product: Mortgage

Select Portfolio Services continues to practice predator loan tactics by giving me contact information to an attorney office that is REFUSING to give me my rightful surplus funds from an ILLEGAL foreclosure sale they did on my deceased parent 's home during the covid19 federal mandate NOT to foreclose on ANY properties! Select Portfolio Services tries to skirt around this covid19 federal mandate law by claiming they put in the paperwork " before '' the covid19 federal mandate was passed into law. This is just another proof how they are practicing predator lending tactics in order to steal homes from hardworking citizens! XXXX XXXX XXXX XXXX they gave me the info to reach them did absolutely NO GOOD!!! these attorney 's are basically now doing the dirty work for Select Portfolio Services by holding MY INHERITANCE!!! on XX/XX/year> XXXX XXXX XXXX office hired by Select Portfolio Services received a FRAUDULANT affidavit of heirship from a XXXX XXXX and she has committed a crime along with XXXX XXXX XXXX because this person ( XXXX XXXX ) NEVER KNEW MY PARENTS! I've warned XXXX XXXX XXXX office regarding this FRAUD that they have committed along with Select Portfolio Services in order to hand on to my family 's surplus funds from the ILLEGAL foreclosure sale of my deceased parent 's home!!!
Product: Checking or savings account

Ive received multiple overdraft and nfs fees when I had the money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX  XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX
Product: Credit card or prepaid card

DEBIT CARD WAS OVERCHARGED WITH UNAUTHORIZED CHARGES NOT MADE BY ME.BANK OF AMERICA WAS NOTIFIED   XXXX   AND TODAY  XXXX / XXXX /  XXXX   CREDIT WAS REVERSED AND ACCOUNT ENDING IN  XXXX  WAS CHARGED  XXXX , WHICH I DISPUTED!
Product: Credit reporting or other personal consumer reports

The company is reporting inaccurate information on my credit report. This account shows up as a charge off. I never received a 1099 cancellation of debt form after I requested the 1099 form 3 times. Per the IRS this is considered as income and should be reported.
Product: Debt collection

In XX/XX/XXXX I filed XXXX bankruptcy. My bankruptcy was discharged in XX/XX/XXXX. From XXXX to XX/XX/XXXX I have been receiving emails from a Caine and Weiner representative named XXXX XXXX offering me to settle a debt from Progressive Insurance. I thought I may have missed the opportunity to include it on my bankruptcy so on XXXX I paid the XXXX to Caine and Weiner via XXXX a link that was included in the email. 
After my payment, I went back and looked at my petition and noticed Caine and Weiner had in fact been included and the debt had been discharged as of XXXX I immediately called Caine and Winer and have since been given the run around. 
Today, for the third time. I spoke to a " manager '' named XXXX XXXX. He informed me Caine and Weiner would not be issuing me a refund. No reason was given.
Product: Credit card

Called a number of times for identity fraud and I never heard from them called back and they said fraud problem was mine and charges are good! Now I have a judgment lawsuit case against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance Owed : {$520.00}.