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

I have attached several of the correspondence emails with NEWREZ ; LETTER TO NEWREZSHELLPOINT XX/XX/XXXX Followup on my account payment history. As stated in the previous email, for which I have not received a response, I have made all payments. There is one exception in that NEWREZ for some reason cancelled my scheduled payment in XX/XX/XXXX. I made several phone calls, which are in your files for my account to resolve the problem. I have pasted the payment amounts and dates as recorded on my XXXX   banking account information here. PLEASE correct my CREDIT REPORTS and email me a statement that I have made all payments on time and in full for the last 12 months. 

VERIFICATION OF PAYMENTS TO NEWREZSHELLPOINT ON TIME AND IN FULL Dear Ms. XXXX ; XX/XX/XXXX Thank you for your response to my inquiry. 
You seem to base your investigation on the premise that since two payments were received in XX/XX/XXXX, I failed to meet the deadline for the XX/XX/XXXX payment. Are you aware of my agreed upon skipping the XX/XX/XXXX payment, requiring me to pay XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX TEL ID : XXXX ACH debit {$2500.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX TEL ID : XXXX ACH debit {$2500.00} for three months to make up for the skipped payment. 
XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX TEL ID : XXXX ACH debit {$2500.00} for three months to make up for the skipped payment The late payment for XX/XX/XXXX was due to NEWREZSHELLPOINT placing a stop pay on my XX/XX/XXXX payment. This occurred because I had actually made two payments ... one for XXXX and the other for XX/XX/XXXX NEWREZ-SHELLPOIN ACH {$1900.00} PMT XXXX TEL ID : XXXX Talking to a customer service representative she concurred that I had erroneously made a 4th payment for XXXX. This payment was after I had satisfied my contractually agreed upon repayment. This is the payment that was cancelled by NEWREZ. I  made the payment of XXXX but that was summarily cancelled, also. This was an unforced error that should not have happened. Please know that I had every intention to and did make the payment for XX/XX/XXXX. When the error was discovered in XX/XX/XXXX, I immediately sent the XXXX. 
Please review these records and you will find I did comply with my contractual obligation. through no fault of my own, that payment was not applied, as it should have been. It is imperative my credit report be corrected to adjust this error. 

Thank you for your attention to these details. 

Sincere regards XXXX XXXX XX/XX/XXXX Newrez-Shellpoin ACH Pmt XXXX Tel ID : XXXX XXXX XX/XX/XXXX Newrez-Shellpoin ACH Pmt XXXX Tel ID : XXXX XXXX XX/XX/XXXX Newrez-Shellpoin ACH Pmt XXXX Tel ID : XXXX XXXX XXXX ACH Pmt XXXX Tel ID : XXXX XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX {$1900.00} Sincere regards XXXX XXXX This is NEWREZ 's response to my request for documentation of phone conversations, which are recorded, that will provide documentation that the error of payment was wholly on NEWREZ , and in no way was I responsible for the cancelled payment.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I saw on my XXXX, XXXX and Experian credit bureau accounts that I had an account that was sent in to collections. It is stated that I had an account with the XXXX XXXX XXXX XXXX which was sent into collection and the amount owed was {$2100.00}. Now I never attended the XXXX XXXX XXXX XXXX or applied to go to such a university and thus I don't owe them any money. 
I live at XXXX XXXX XXXX, XXXX  XXXX Missouri, XXXX and attend the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and I will attach documents to prove this.
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 right 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  All of this information enter above have violated my rights 15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Sections 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 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

Hey so I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 p

ercent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of account Account name : XXXX Account number : XXXX Action Requested : Please provide proof that its reporting correctly because im attached a copy showing red X marks of all inaccurate dates in amounts being reported Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the file
Product: Vehicle loan or lease

Hello, My lease on my XXXXXXXX XXXX XXXX is up in a month so I called Ford Credit ( XXXX, MI ) and they told me that I must buy out my lease at a XXXX dealer. I can not do it through them as per their internal policy. When I went to my local dealer, XXXX XXXX XXXX XXXX on XX/XX/XXXX, they told me I had to pay a few " dealer '' fees. This included a {$3000.00} buyout fee ( but was discounted to {$2000.00} if I financed with them - even though I told them I had cash ) and a dealer fee to compensate for current market conditions. I walked away as all these fees made me uneasy. I called Ford Credit the same day and we looked at my lease agreement together and they confirmed that dealers should not be charging any additional fees. It clearly states that I should only pay the residual value plus " official fees and taxes, and a reasonable documentary fee is allowed by law ''. Doc fees in NJ are capped at {$390.00}, but this dealer wanted {$690.00}. They also wanted to charge me {$400.00} for registering my car, when it should only cost around {$150.00}. Ford Credit told me to shop around, but I really shouldn't have to. If Ford XXXX is forcing customers to go to dealers to buy out their leases, why are we running around to find a dealer willing to honor a contract? We're being held XXXX by this entire situation and I'm convinced many consumers felt obligated to pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX COUNTY SHERIFF, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXI # XXXX SUNTRUST # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2020
Product: Credit reporting

I sent a certified letter on  XXXX   XXXX  asking  " WF PLL '' to provide ve rification about an inquiry showing up on my  XXXX  Credit report dated as  XXXX / XXXX / XXXX . The company does n't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the    XXXX   tracking system sta ting " Your time was returned to the sender on    XXXX   XXXX   XXXX   at    XXXX   XXXX   in  XXXX , NM  XXXX  because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it 's information that is being reported to the credit agencies or remove the information all together if they ca n't provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and housewife, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.
Product: Credit card or prepaid card

Attempted to use the card for a purchase on XX/XX/2023 and was declined at the time of purchase. Credit was available and I had just made a {$2500.00} payment earlier in the day. Called the customer " service '' and spoke with a XXXX in security who was completely useless rude and offered no help. She said I had a security alert on my account due to the attempted purchase. The purchase was in XXXX and at a company I had made a higher purchase at ( and paid off ) a couple months ago. She would not remove the restriction without sending me a text on my U.S cell phone - I told her I was in XXXX and already authenticated my identity with her. I did not have my U.S. cell phone being in XXXX and could not use my card. 
I use my card regularly in XXXX and sometimes in critical situations where having a block on my card which is in good standing can lead to potential health problems at worst and embarrassment at least. I understand the fraud alerts but their system is terrible and so called customer is even worse.
Product: Credit reporting

MY CREDIT REPORT WAS PULL BY A COMPANY THAT HAD USED IT IN THE WRONG WAY, AND NOW THIS EFFECTING MY SEARCH FOR A PLACE TO LIVE.SO I NEED EVERYONE TO KNOW THAT THE CREDIT REPORT IS FRAUDAUL DO TO MY IDENTITY WAS STOLEN BY A PROFESSIONAL HACKER, AND I AM HAVING PROBLEM WITH THE CREDIT REPORTS WITH A XXXX CREDIT BUREAU, I WOULD LIKE THIS TO BE PUBLISH
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received an email from XXXX  saying that I was denied credit because of factors in my Credit Report. On XX/XX/XXXX I received a second email from XXXX saying that an additional attempt to get a loan was denied. ( I never applied for ether of these loans and sent over a police report for identity theft after the first email was received. ) Upon receiving the second email, I tried to get a credit report from SageStream, the credit reporting agency that XXXX based their decision off of ... To verify the accuracy of my information in their report and to make sure that there were no hits from the two loans that someone had tried to open in my name ... 

After navigating to SageStream 's site, they requested that I mail or fax them copies of my drivers license / passport picture page / military ID card ( the last is a violation of federal law btw ) and social security card, with any of the following : - Recent cable, utility or telephone statement with your name and current mailing address - Bank statement with current address - Rental lease agreement showing current address - Voided personal check with your preprinted current address - Notarized letter from the your landlord confirming your current name and residential address - Mortgage statement with the current address. 

There is no way that I am sending hard copies of that information to anyone just to get a copy of my credit report, especially from a company that I have never heard of until now!
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX regarding an account ( Account # XXXX ) that has been inaccurately reported on my credit report, and it has been duplicated without proper verification. This issue is seriously affecting my credit score, and it has jeopardized my chances of securing a loan. I kindly request the immediate removal of this account from my credit report. 

XXXX XXXX has failed to provide adequate verification of the legitimacy and accuracy of this account. Additionally, the presence of duplicate entries further demonstrates a lack of proper due diligence in their reporting practices. 


The inaccurate and duplicated account entries have caused a significant and unwarranted negative impact on my credit score. This has not only damaged my creditworthiness but also hindered my ability to access necessary financial services, particularly my chances of securing a loan.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer. 

XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Discrepancies in Dispute Results I have filed the following disputes regarding this account : XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 
XXXX. XXXX ( XX/XX/year> ) Also marked asverified and updated, with no explanation of how the investigation was conducted. 
XXXX. XXXX ( XX/XX/year> ) Markedverified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. 
XXXX. XXXX ( XX/XX/year> ) Similarly markedverified and updated, and disputed item not listed on credit report, yet the account remains on my credit report to this day. 
The reports for XXXX and XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making XXXX  response both inaccurate, misleading and causing ongoing distress. 

Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices.
Product: Credit card or prepaid card

I received a message on my XXXX account saying I was pre-qualified for this card. I received a hard pull on my credit report, which resulted in my credit score dropping several points. I was denied, DESPITE the link saying I was pre-qualified. I would NEVER have applied for this credit card if it had n't told me I was pre-qualified, because I do not like getting hard pulls that lower my credit score only to be denied.
Product: Student loan

My student loan servicing is through Nelnet. I was a graduate student from XX/XX/XXXX to XX/XX/XXXX. Interest accrued on my loans while I was in school. I was in post-grad forbearance until XX/XX/XXXX. COVID forbearance is currently active and started in XXXX. At no point in time have I been in repayment status. Nelnet moved my loans from post-grad forbearance, to repayment status for 1 day, and then into COVID forbearance in XXXX and capitalized {$2200.00} in interest at that time. I never received a letter letting me know about the status change to repayment and interest being capitalized.
Product: Debt collection

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with Equifax and XXXX. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Amount {$3800.00} Date assigned XX/XX/2022 This debt is a result of identity theft. Please provide any and all and all proof that this is 100 % accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding unauthorized inquiries on my Equifax credit report. Upon reviewing my credit report, I noticed that there were inquiries made without my authorization. I am requesting that the original signed contract that authorized these inquiries be provided to me, and I request that these inquiries be validated and removed from my credit report as soon as possible. The Fair Credit Reporting Act guarantees that only those with my permission can access my credit report. Please provide me with evidence that this inquiry was authorized by me, such as a credit application with my signature on it, or else delete it from my report. The unauthorized inquiries are listed below : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX I believe that these unauthorized inquiries have negatively impacted my credit score and have caused me financial harm. As a consumer, I have the right to protect my credit information and ensure that my credit report is accurate and up to date. Therefore, I urge the Consumer Financial Protection Bureau and the Credit Bureau to investigate this matter and take appropriate action to remove the unauthorized inquiries from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX