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

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to have the credit reporting agency Equifax, remove erroneous and derogatory information to be removed from my credit report has been to no avail. During the previous year in XXXX of 2017, I disputed many erroneous errors in my report. There is a public record that has been settled by the courts and myself.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle over a year ago and was told Titanium Funds would be reporting to credit agencies. After several phone calls I have been told there is a " glitch " in their system and it would be updated. After a year it still has not been resolved. It's very frustrating because I am trying to build my credit and an auto loan is a very big part of that. I have made all of my payments and would like my credit report to show that.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our homeowner 's insurance through XXXX 's XXXX is to paid through our mortgage escrow account and was due on XX/XX/20. We got a pre cancellation notice from our insurance company because LoanCare had still not paid the premium. After numerous phone calls,  we finally got the premium paid on XX/XX/20. We were told a bulk check had been sent and there were errors on it that kept getting it kicked back. When we called the last time, the representative sent a separate check just for us. She then told us that she would have to refund the first payment that went out where the error happened. It is now XX/XX/20, and we still do not have the amount of {$1300.00} returned to our escrow. We have called the company over 20 times and spend many hours on the phone. We keep getting the run around and different answers every time we call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute the addresses on my file because I have never stayed at the locations they have listed.
Product: Debt collection

On XX/XX/2023 ACCELERATED INVENTORY MANAGEMENT LLC ( AIM ) through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed, without any attempts to deliver notice to me that I may have sufficient time to answer in a timely manner, a civil action filed with subterfuge in violation of State and Federal law. If not for the receipt by USPS mail of an unsolicited advertisement from a XXXX, Maryland area attorney, I would have not know about the civil action AIM, XXXX, and XXXX caused to be filed in the DISTRICT COURT OF MARYLAND FOR XXXX XXXX four hundred thirty ( 430 ) days after the statute of limitations had expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After reviewing my Credit Report, there is some of inaccurate information reporting on my credit profile. I had reach out to creditors as well as the 3 Credit Bureaus. And there was been no response. The Creditor sent a Transaction Report, and those transaction were not mines. I'm a victim of identity theft. I also reached out to Credit Bureaus over a month ago with no response. I'm asking for these items to be remove that does not belong to me. 

See attachments Thank you
Product: Debt collection

Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer Bank of America at least $ XXXX. We have been divorced for nineteen years. I have never had an account with BOA. I have never acknowledged this debt. It is not mine.
Product: Debt collection

This is the third time I have sent a complaint about a Fraudulent accounts. This time I received added a copy of my police report and FTC as well. Please see attached documents.I am the victim I have stated that I have been working to clear up fraud on my credit with an attorney. I have stated that when I pulled my credit report I found more activity that was not mine. I found that accounts I never opened are in collections and a have various judgments on fraudulent accounts.
Product: Money transfer, virtual currency, or money service

I have sent {$1000.00} in XX/XX/2020 trough PayPal to this friend in XXXX that helps poor people in XXXX and in XX/XX/2020 I sent another {$1000.00} but he can't receive the money and for some reason He can't accept the refund to have the money returned to me. 
This is a second time that PayPal in XXXX will not give the money to the person that I have send to and will nor return the money back to me, Last year I have sent more than {$6000.00} to a church in XXXX and PayPal didn't give them the money, neither have they sent the money back to me. 
I think that PayPal is keeping the money for themselves and needs to be investigated for fraud, miss leading and lying, They are making their own rules how much they charge per transaction and the rate of exchange. 
PayPal needs to be investigated for taking more than XXXX XXXX from me and not delivering it to the church I have send it I hope that this situation can be resolved Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.
Product: Mortgage

On XXXX separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to be made from XXXX XXXX to XXXX XXXX when their online payment option was actually working. The error message merely stated that it was " unavailable ''. Even when you call SLS to make a payment over the phone, they automatically refer you to their party vendor. How can XXXX XXXX XXXX be allowed to service-transfer their loans to a servicer who has such an inadequate payment option available - you ca n't even schedule a payment for a future date - only the date you actually find the online payment option available and working. 
XXXX 's payment was made on XXXX XXXX and a confirmation was received. Then on Saturday, XXXX XXXX, I receive a letter from SLS dated XXXX/XXXX/XXXX but not postmarked until XXXX/XXXX/XXXX and no received until XXXX/XXXX/XXXX. This totally antiquated and insufficient handling of payments has damaged my credit over and over again and now I am told I have to submit a cashiers ' check for the payment when it was their error that they did n't collect the funds on the XXXX of XXXX. How can this servicer be allowed to handle mortgage payments in such a manner?
Product: Debt collection

Javitch & Block sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper Bill of Sale or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so shoddy and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX, XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are unauthorized and need to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to remove XXXX account from my Experian credit report. According to fair credit reporting act, any inaccurate information must be removed from credit report. I have not signed contract electronically from XXXX XXXX. Also address on contract does not match with the address on my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent Equifax a letter requesting to have my personal information updated as they had several erroneous addresses being reported, some were addresses I have never lived at. Their first response was that I did not send enough information for them to properly identify me. I responded by sending them my home address and my social security number requesting again to have my information updated to the correct information. I was asking them to update my current address to my po box address and to remove my date of birth, my work history, and the wrong addresses ( 8 in total ). The second response I received from them was that I still did not provide enough information for them to make the requested updates and to send in a copy of my social and also a proof of address for the po box . I submitted the requested documents to them, and they received them XX/XX/XXXX. I am submitting this complaint because the information still has not been updated as I requested. They removed all of the old addresses, but are still displaying my full date of birth, my home address and my work history. I am frustrated at this point because I wish for my rights to privacy to be respected. I specifically stated in the letter I do not wish to have my home address publicized. I do not feel I should have had to make this many attempts just to have my personal information updated, especially after I have given them all of the proof they need to show I am who I say I am. I would also like to add that all of my correspondence with Equifax has been through my po box . They have not sent anything to my home address.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A RESAONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE INFORMATION OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS, ACCEPTING UNRELIABLE RESPONSES, AND FAILING TO ADEQUATELY NOTIFY CONSUMERS OF DISPUTE OUTCOMES. THESE FAILURES ALIGN WITH MY EXPERIENCES, WHERE EXPERIAN HAS NEITHER CORRECTED NOR REMOVED DISPUTED ITEMS DESPITE THE EVIDENCE I PROVIDED, CAUSING ONGOING HARM TO MY CREDIT STANDING. I AM REQUESTING IMMEDIATE CORRECTIVE ACTION TO REMOVE OR AMEND THE DISPUTED ACCOUNTS AS EXPERIANS 'S INACTION VIOLATES FEDERAL LAW AND MY RIGHTS AS A CONSUMER
Product: Credit reporting or other personal consumer reports

On XX/XX/ I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number XXXX XXXX 

On XX/XX/ I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to, in addition the the articles I already attached as supporting documents, attach a cover letter outlining my request. Confirmation number : XXXX XXXX XXXX I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX  I called on XX/XX/ and spoke to XXXX XXXX. 

I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals.
Product: Student loan

This is for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I paid off all of my loans in full in late  2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information was reported from my background which cause adverse action with a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I uncovered instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your aid in rectifying this issue.
Product: Credit reporting or other personal consumer reports

I am formally filing a complaint against XXXX XXXX for their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX XXXX XXXX
Product: Debt collection

The collections agency for this company has called numerous times, often leaving threatening messages regarding a debt I owe to them. The messages were in such gross violation of the fair debt collection practices act, that I didnt even give them a second thought as being an actual debt collection agency until last week. They have called representing themselves as attorneys and law enforcement, they have used terminology that would lead an ordinary person to believe they were going to arrest me for not paying the debt, and insinuated that I had committed some serious crimes by not paying the debt. They also created the illusion that they were going to seize my assets, which the contract provides them no right to, and they somehow have information about one of the vehicles I own. They brought up this information during the only conversation Ive had with them, presumably as a scare tactic to make me believe they were going to seize my car. In addition to these violations of the law, they are also very rude and disrespectful
Product: Debt collection

My identity was stolen. This company has harassed me for years and I sent in proof of identity theft police report and they filed for judgment and won default. I do not owe the dept to the creditor or at all in fact.
Product: Mortgage

I have applied for the Texas homeowner assistance program and XX/XX/XXXX and my file was updated on XX/XX/XXXX stating that my mortgage severer has not responded to their correspondences or emails and i was asked to contact PHH and ask them to please respond so that my application can be processed and completed. I called PHH and was told that they do not have anything from HAF program. I sent an email to the escalation XXXX Attention XXXX.. PHH continues to say that they have not received the request from the program and the program insist that they have sent the request and have received no responds, Case XXXX is my HAF number.