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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX ( XXXX  XXXX ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Collection Agency Name : XXXX XXXX ( XXXX XXXX XXXX  ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX  Collection Agency Name : XXXX XXXX  Account Number : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX Consumer report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX  that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.
Product: Debt collection

Collection showed up on my report that I dont recognize I called the co. He proceeded to ask information from me but never told me who I owed when he asked for my ssi number and birthdate I hung up. The co is credit management Lp Ive since looked them up and now know its a scam I dont know how to get it off my report
Product: Mortgage

i applied for a deed in lieu in XXXX XXXX it was approved and I wasasked, in XX/XX/XXXX, to vacate the property and execute the finaldocs, which I did. In XX/XX/XXXX the mortgage company sent me XXXX. Later, in XXXX, I was told there was an error in theprocess and final approval had n't been received, so the deed in lieu wasstill pending. I received the new approval in XXXX. Later, in XXXX, I received a letter stating due to title issues my application hasbeen cancelled. The mortgage company knows that the property titleis clear because I have provided all request title documentation. 
They also know that the property is now in terrible conditionsince it has been vacant for approx.. 1 year. It is my position thatthe mortgage company did not want to the property back becauseof the challenges it presents in selling, hence it reneged on its offerof a deed in lieu. In XXXX the mortgage company beganforeclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 6 Hard Credit checks in the past year, the 4 most recent ones are all fraud and have significantly impacted my credit score. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried contacting the companies, they tell me they denied the credit and there is nothing they can do, so they instruct me to call XXXX, Experian, and XXXX. I have done so and placed freezes on all my accounts. They tell me to contact FTC to remove inquiries. The FTC tells me to contact CFPB. This is NOT an easy process for someone just trying to block/report fraud. 

I have uploaded docs from XXXX, and XXXX XXXX  XXXX who didn't hard check my account probably because I already bank with them ). I will continue to reach out to XXXX, XXXX XXXX and XXXX XXXX, but they make it VERY hard.
Product: Debt collection

On XXXX XXXX, 2017 there was XXXX deposited into my unused Navy Federal Credit Union Checking account. The money was for XXXX XXXX XXXX/XXXX vet but it was an erroneous deposit and just like with any deposit the government makes they try and recall it or they check you later. XXXX has requested the money multiple times only to find out that Navy Federal has without consent transferred it an account of their own choosing. I have never agreed to automatic transfers. If they had not removed the money by the time XXXX came to retrieve it and correct their mistake it would have been known. Also this money is exempt money so it can not be used to repay a debt. I have replied numerous times to them and so has XXXX. They have done this before and I had to call numerous times to get the taken money put back. They have replied back regarding the deposit and keep directing me to the debt recovery department. That 's not fixing the problem that has happened. They first replied to XXXX that the account was closed. Then they reported that they never received the request to return funds.
Product: Mortgage

On XX/XX/XXXX I was informed by my estranged husband that a mortgage refinance loan had been approved by Millenial Home Lending and that within the next 30 days I had to sign the documents. The mortgage refinance loan was approved at a rate of 2.49 %. 

This confused me because I am on the current mortgage loan and did not consent to any mortgage refinance. Upon reaching out to the company and the mortgage consultant, I was able to receive the signed document which showed my estranged husband 's information and incorrect information that he provided for my profile. He listed all of my personal information, falsified my income, and misrepresented our status as married instead of selecting the option for separated. 

I was unaware of the application because the mortgage consultant and my estranged husband listed his email address and phone number for both of our profiles during the application process. This allowed my estranged husband to fully submit the application, forge multiple electronic signatures for my profile, have my credit pulled, and the loan terms locked in with me being fully responsible for the refinanced loan without any communication or approval from me. 

I contacted Millenial Home Lending and spoke with XXXX XXXX and requested the mortgage application be cancelled and that a fraud investigation be opened. The signed mortgage application documents were provided to me on XX/XX/XXXX but Mr. XXXX has not responded to my request to investigate how this application was allowed to be completed without my involvement.
Product: Payday loan, title loan, personal loan, or advance loan

Trying to settle the debt. The {$3800.00} loan I am being told will cost me {$7000.00} to payoff. The company refuses to settle the debt with me for anything less than {$6800.00}. Interest is 687 %. I was unaware that if I paid the remaining principal I would owe more than double the loan to payoff. At this rate and with this company 's practices I will never be able to pay this off.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also Equifax document uploader is not working, and they do not seem interested in fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up regarding my previous submitted complaint directed to Experian Bureau again, that I was a victim of identity theft, and this is another complaint I am submitting to request for the removal & blocking of these fraudulent inquiries from my credit file resulting from alleged identity theft. Ive already included this identity theft report in my previous complaint & I am including it again here. Also, the data the Bureau provided on these 2 remaining inquiries are UNKNOWN to me and were already REMOVED from other bureaus and so I am starting to have doubts about the reporting accuracy of it. Please see these remaining inquiries below that the Experian needed to REMOVE : EXPERIAN : XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022. This complaint is to notify the mentioned Bureau if not remove & block the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold them accountable for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative item is appearing on my Experion and possibly other credit report as a charge off in XX/XX/XXXX, however the bill was paid in full in XX/XX/XXXX. This item was a XXXX wireless cellular account that function as a Wi-Fi hotspot. I have been in contact with the creditor directly, they are not disputing that the bill was paid in full, and Im not disputing that the account is validly listed. The problem is that every time I contact them about this issue they update the account and report new activity on the account. The payment history on my credit report shows A charge off in XXXX, but the bill was paid in full in XX/XX/XXXX and theres been no activity on the account since. I have been denied credit, and my credit score has had a major impact from this recent wrong reporting. Everyone has been made aware of it, and from this point forward, I feel continuing to report this account incorrectly as a current charge of represents bad faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries.

To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Equifax XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Capital One is refusing to remove the late payments from two of my accounts with them. Even though Capital One mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with Capital One on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what Capital One agreed to, Capital One reinvestigated the account and decided that the late payments were going to stay. She stated that Capital One can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.
Product: Credit reporting or other personal consumer reports

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of my rights according to FCRA. They reported on my credit report items as negative,, collections, charge offs without my permission to do so. I have a right to privacy by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I contacted Experian via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX.credit reports conducted changes to increase my credit scores. also made on credit. In credit reports it shows change time nor when company will conduct another .report. It should. BE CHANGE. On credit reporting. While I'm makin on. time .payment a date i recorded suppose to change by increasing scores What l have noticed my credit scores ranged remain same. Doesn't change. The range? while maken on time payments.. I have noticed. company is getting away with reporting in correctly for over 1 yrs. .credit scores decrease for over 1 year. .car comp XXXX XXXX XXXX. is Paid on on time why it shows error made on the final last payment. .this automobile account. XXXX XXXX XXXXXXXX payed auto off. Listed as bein. ) Totaled. ) I decided to keep the XXXX XXXX XXXX. Requests they Seattlement We paid the account off. I'm still not bein graded correctly Showin passed 30 day payment. Reported incorrect. o XXXXXXXX XXXX  My records purchaser documents shows no late payments listed anywere. This account being reported 2 years inaccurate XXXX  have been disputed. For 1 year. Account doesn't show any problems until. Final last date of payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. I am reaching out with concerns of my credit status with TransUnion, I contacted Indigo explaining my reason for high balance do to me being in the XXXX XXXX XXXX XXXX XXXX  during the month of XXXX, as I was not able to work and needed to use my card for my family. I'm asking to have the reporting to the credit bureaus ( XXXX ) be removed of negative reporting, I'm trying to buy a home for my family and that month in the XXXX  set me back.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  number XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file stemming from an alleged identity theft. However, there remain items that require attention. Upon reviewing my updated personal credit reports, I observed that an inquiry and inaccurate information persist on my profile. I have contacted the relevant company regarding the aforementioned inquiry and requested its removal from my credit profile. Previously, I had requested that you conduct an investigation into the inquiry on my credit report to ascertain its authorization. And I know your investigation is concluded, and it corroborates my assertion, kindly expunge this lingering inquiry and inaccurate data. Additionally, please furnish me with updated copies of my credit reports devoid of these remaining items. Details of the disputed items are as follows : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is imperative to note that the disputed items do not pertain to any transactions initiated or authorized by myself. In accordance with the Fair Credit Reporting Act Section 605B ( a ), you are mandated to remove any items opened without my knowledge, consent, or authority within four business days. This removal necessitates ( 1 ) suitable proof of consumer identity, ( 2 ) an identity theft report copy, ( 3 ) consumer identification of the disputed information, and ( 4 ) a statement attesting that said information does not pertain to any transactions by the consumer.