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

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONXXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Checking or savings account

I contacted my bank, then I contacted the local police department of fraudulent activities against my account at Santander bank around XXXX eastern time. Which a scammed took {$300.00}. Dollars against my account. This left me in the rear, also over 2months my credit score has dropped XXXX. Scammers from XXXX XXXX and XXXX have compromised my credit and purchased e gift cards against XXXX, XXXX, XXXX XXXX, XXXX  and XXXXXXXX XXXX using my name and credit which I did not authorize. Also XXXX account was blocked because of scammers on XX/XX/year>. Very disturbing and stressful that scammers hurt innocent consumers and elderly. I'm in my sixties with some health issues and the stress this causes is unacceptable. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to XXXX to remove BMW Financial Services from my credit report and no adjusment was made. I followed up with BMW Financial Services requesting 1099C ( Cancellation of Debt ) over 30 Days ago. This auto loan was charged off for the amount of {$66000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT on Transunion, XXXX, XXXX : My wife and I are XXXX XXXX. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.
Product: Debt collection

Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement. 
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years. 
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices. 
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success. 
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.
Product: Debt collection

I was scheduled for an XXXX  to check my XXXX and other areas in the first part of 2016. Before they would perform the procedure, I was required to pay the full amount due ( after they spoke to my insurance ). The billing office set me up on a payment plan leading up to the procedure date to ensure it was PIF. 

On the date of the procedure they sent me to billing to ensure payment was made in full and I made a final payment to fulfill their request. 

The most important thing to note here is that this facility does not perform procedures without payment in full. They made me clearly aware of this prior to the date of my scheduled XXXX. 

Months after my procedure, I received a bill from them for over {$500.00}. I called on multiple occasions and initially the person I needed to speak to was always " out of the office. '' Finally I received a call back and explained the situation. They said they would get back to me. I never heard back again. I called to follow up a few more months down the road as I was receiving notices from collections, and they say they do not know anything about the initial situation, as they are collections. Any amount in excess of what I paid out of pocket was to be billed to my insurance, per what the billing office of the facility figured out and informed me prior to the procedure. I have been trying to resolve this for 4 years and I am extremely frustrated and want it off my credit.
Product: Credit reporting or other personal consumer reports

Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). 
Complaint filed under CFPB XXXX was filed on XX/XX/XXXX, against Equifax due XXXX a tirade of inaccurate information on my credit bureau XXXX XXXX to have been done intentionally, by Equifax, XXXX, and XXXX. 
On XX/XX/XXXX, Equifax went into my credit report and begun making numerous changes to the report. 
XXXX XXXX XXXX XXXX XXXX XXXX  was reporting accurately, Equifax intentionally went into my report and changed the history to XXXX days late for XX/XX/XXXX. 
In XXXX XXXX XXXX Bank was found guilty of violating the Military Lending Act XXXX XXXX XXXX. Their interest rate far exceeded the XXXXXXXX XXXX XXXX the CFPB forwarded the complaint to the FDIC in which XXXX XXXXXXXX XXXX  voided the account as the law requires. 
Countless disputes went to all three CRA numerous times, in which all began reporting the account XXXX days late, every time I disputed the information, the XXXX day late payment would change to a different month at times Equifax would report the account XXXX  days late. 
About a month ago I wrote the CEO of XXXX XXXX bank and she change the history to reflect correctly. as current Immediately after I filed the complaint on Equifax they retaliated and changed the account to reflect XXXX  days late again. XXXX then began changing numerous accounts around within my report and did the exact same thing and changed the information. 
I called XXXX and they assured me they did not change the information, not only did I get the notification that they did but I look on Equifax website and the information was changed. The representative told me to hold on as I repeatedly ask for an explanation, and she rudely left me holding the phone. 

See Exhibit No XXXX the attached XXXX reported the account was fixed in XXXX See Exhibit No XXXX XXXX XXXXXXXX XXXX  letter admitting they were in violation of the XXXX See Exhibit No XXXX Equifax was reporting correctly as the bank had already corrected the account See Exhibit No XXXX Equifax retaliated and changed the information to show erroneously late. 
Additional violations reporting by Equifax on this account Violation No XXXX Account type blank Violation No. XXXX Account reporting Open when the account is closed Violation No XXXX Date Open is incorrect Violation No XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed numerous FTC reports and disputes with the credit agencies. They are not being processed correctly and I am not getting copies of the verification process. Results are not copies of the verification process. The FCRA is not being followed correctly and I can not get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. Freedom Mortgage has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Product: Debt collection

On XX/XX/year>, my minor son received a summons in my name from the sheriff 's department. I read over the summons carefully. I had to make some phone calls to discover who they represented. The paperwork says they represent Amazon/Synchrony Bank . I contacted Amazon/Synchrony Bank right away. The representative told me that they do not hold my account, a XXXX XXXX XXXX XXXX holds my account. A company that has never reached out via mail, phone, or email. 
They are not named in the summons. However, a XXXX XXXX, XXXX is the attorney. I reached out to the email on the summons and to the email on their website early Monday morning, XX/XX/year>. It has been 4 days and they haven't responded to me. 
I asked for copies of all supposed communication up until now. I asked for a copy of my notice that I had the right to dispute. I asked for a copy of the debt validation. Silence. Nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate and outdated information on my Equifax report. I submitted a dispute. Multiple issues have resulted : 1. Equifax sent me an email saying that my dispute was resolved, with Confirmation Number XXXX, and a web link to see the results. The link did not work, so I could not see the results online. I tried repeatedly. Why doesn't their link work? 
2. I called Equifax to get the results of the dispute, and they connected me to their offshore call center. They asked me 20 questions to confirm my identity, even though I explained the situation and provided Confirmation Number XXXX. Finally they asked me two irrelevant questions : What is the minimum balance payment on my credit cards, and what date did I submit my Fraud Alert. I always pay my credit card balances in full, and have no idea what the minimum monthly payment is. Who cares what it is, as long as I pay it in full every month, which they can see on my credit report. I did submit a Fraud Alert, but I do not remember the date submitted. Who cares when I submitted the Fraud Alert, I did confirm that I submitted it but could not remember the date. So, because I could not answer these two irrelevant questions, they wanted to hang up on me. How about that? 
3. I asked to speak to a supervisor. I discussed the two issues that were on my dispute submission. One issue is that they are reporting credit accounts that were closed ( in good standing ) more than 20 years ago. I recall that one was closed in XXXX, but there were many more old accounts, all closed in good standing, that are still being reported. The supervisor could not correct this situation. Why Not??? The second issue is that their records show that I have a " XXXX '' suffix after my surname. This is totally false. I am the one and only, not the XXXX. Supervisor told me to send them a letter by US Mail with corrections. I asked them to provide me with a form to fill out so that I wouldn't inadvertently provide insufficient information on this issue. Supervisor said that no form was available, just mail a letter. Why don't they have a form to submit corrections? This seems very unprofessional to me. What do you think?
Product: Vehicle loan or lease

FIRST INVESTORS SERVICIN 60 DAYS LATE Auto Loans {$0.00} Status Date Reported XX/XX/2019 Payment Status 60 Days Late I never made a late payment. I paid the loan off early
Product: Debt collection

WE HAVE ASKED THIS COMPANY TO STOP CALLING BECAUSE WE ARE A BUSINESS THAT HAS NEVER DONE BUSINESS WITH THEM AND THE EMPLOYEE THEY ARE TRYING TO REACH HASNT WORKED FOR US IN THE PAST FIVE YEARS. BUT THEY CONTINUE TO CALL AT RANDOM TIMES OF THE DAY, EVERY SINGLE DAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to get the incorrect information that is being reported on my consumer report off. I was a victim of ID theft, I sent police reports, as well as affidavits to the CRA 's however, they refused to block the fraudulent information.
Product: Debt collection

We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd.
Product: Credit reporting or other personal consumer reports

This is my 5th time disputing incorrect information on my report thats from fraudulent use of my personal information. I did not give Experian permission to add this incorrect data to my report. Ive spoken to XXXX and they refuse to tell me when and how the account was opened. If I have to sue XXXX for allowing somebody without proper identification to use my information I will. I will also sue Experian for reporting incorrect information per the fair credit reporting act. 
I keep calling to let them know XXXX XXXX XXXX XXXX was an address I used to receive mail but I never lived there or received any utilities there. They refuse to take the address off my report because theyre saying XXXX reported it but XXXX allowed the account to be opened under identity theft. I have attached documents to prove my address and Experian still wont remove the false information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Tranunion. Are reporting inquirie on my credit report XXXX XX/XX/2023
Product: Mortgage

I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following:
Product: Mortgage

Round Point Mortgage failed to calculate the appropriate escrow amount for last year 's tax bill, as a result I have stated they need to recalculate the amount I am charged on a monthly basis. This overestimation resulted in an approximate {$3500.00} refund from last year 's property taxes, which would be about {$290.00} reduction in escrow on a monthly basis. I have attempted to resolve the issue on 5 different phone calls ( all of which were unable to confirm the discussion through email to have a record of these conversations ), and over 3 secure messages. Their poor customer service has added no assurance that this matter is being taken seriously, and has me wishing that my XXXX mortgages that are currently with the organization had been sold to a more customer friendly and responsible mortgage service provider.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration with the persistent presence of fraudulent items on my credit report, despite numerous attempts on my part to rectify this situation. I have engaged in a series of disputes, provided extensive supporting documentation, and followed the established dispute resolution process, yet the fraudulent items continue to adversely impact my credit history. 

I initially reported the fraudulent activities and have since submitted multiple disputes, accompanied by comprehensive documentation and evidence substantiating my claims. Despite these efforts, the fraudulent items persist on my credit report, causing significant financial distress and impeding my ability to access credit on fair terms. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to address this matter. The ongoing presence of these fraudulent items is not only detrimental to my financial well-being but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand the importance of a thorough investigation, but the prolonged resolution of this matter is causing undue hardship. I urge you to expedite the review process, conduct a comprehensive investigation, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request that you provide regular updates on the progress of the investigation and a clear timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CARMAX AUTO FINANCE Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting

I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and saw that I have a few hard inquires that I did not authorize and I don't recognize. I do not know if they were due to fraud but I do know I did not authorize them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX