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

I am reporting the unauthorized reinsertion of fraudulent accounts on my credit report, specifically XXXX XXXX ( XXXX ) and XXXX XXXX  ( XXXX ) .These accounts were previously deleted but have been reinserted without my authorization or the required notice within five business days, violating 15 USC 1681a ( 5 ) ( B ). I never received any notification informing me of their reinsertion, depriving me of my right to dispute the accuracy of these accounts before they were added back. This raises serious concerns about Experians compliance with reinvestigation procedures and record-keeping standards. If these accounts were previously deemed inaccurate or unverifiable and removed, what new verification process justified their return? Were they required to provide certified proof of accuracy, as mandated by the FCRA, before reinserting these accounts? Without proper notice, I was denied the ability to challenge this action, making this reinsertion unlawful and procedurally flawed. Furthermore, under 15 USC 1681b ( f ), no entity is permitted to report or access my credit information without a permissible purpose. These accounts, linked to fraud, have no legitimate basis to reappear on my report. I invoke my rights under 15 USC 1681c-2, which mandates the blocking of fraudulent accounts upon proper identification. Additionally, under 15 USC 1681i ( a ), any inaccurate or unverifiable information must be permanently removed following an investigation. This reinsertion strongly suggests Experians failure to comply with basic accuracy and consumer protection standards and may constitute willful or negligent noncompliance under 15 USC 1681n and 1681o. I demand an immediate investigation, a clear explanation of how these accounts were verified, and their permanent removal from my credit report if proper procedures were not followed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD WRITTEN DISPUTE to TransUnion to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : XXXX Days Past Due on XXXX XXXXXXXX XXXX  Days Past Due on XX/XX/2021 and XXXX Days Past Due on XX/XX/2021. 

I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. 

Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX made an accommodation to my original loan contract with respect to lower XXXX payments XXXX XXXX through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through XXXX. 

In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Product: Credit reporting or other personal consumer reports

I have recently discovered a fradulent credit card account that has been opened without my consent.hThis account is a result of identity theft. I have never initiated nor autorized the opening of this credit card accoount. Furthermore I have several fraudulent hard inquiries : XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX. I request removal of this fraudulent information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both XXXX and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.
Product: Credit card or prepaid card

XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I wrote in all of my personal information, and once I got to the identification verification page which consisted of questions to confirm who I am, none of them applied to me, such as car loans, credit cards and home loans opened in my name - between XX/XX/XXXX-XX/XX/XXXX. After answering N/A to all that did n't apply, I was show a page stating I have to manually mail in a request form. Now I 'm concerned that someone has my identity and is opening and being approved for large purchases in my name. XX/XX/XXXX, I moved to XXXX XXXX, where my maintaince guy through my apartment complex stole my Social Security Card and Birth Cirtificate as well as my sisters, and fled the state ( ACCORDING TO THE LEASING OFFICE ) Back then I did n't know how to report such fraud. Please Help.
Product: Mortgage

I received notice from Carrington Mortgage Services, LLC of my ineligibility for a home loan modification program because my Request for Mortgage Assistance ( RMA ) was received after XX/XX/XXXX the last day of the program. See document 1 and 7 This is not true I XXXX the form with current documentation to Carrington MS , LLC, XXXX, Ca. on XX/XX/XXXX. It was received XXXX XXXX on XX/XX/XXXX and signed for by XXXX XXXX. See document # 6. <P/>I was denied assistance because the Debt-to-income ratio calculated from the information I supplied in the RMA was not in the required range. See document 5. I spoke with XXXX at Carrington on XX/XX/XXXX and determined I had put the HELOC monthly payment used to calculate the ratio on the wrong line causing it not to used n the calculation of the ratio. I appealed the decision using an estimate of the reset HELCO payment based on information from the current economy. The HELCO lender would not provide the new payment amount. I filed CFPB complaint # XXXX to get the amount from the lender. I in order to file the appeal by the deadline. <P/>Just after I filed appeal the HELCO lender provided the amount 2 days later. See document 2. I spoke with XXXX of Carrington asking how I could get the new information included in the appeal I just filed. She said do n't worry she would send me a new application. I had my doubts about using a new application so I enclosed a letter explaining it included the new HELCO payment information with lender documentation since the Appeal was denied because of documentation. see document 3 and 4. <P/>This new application sent by XXXX must have been interpreted as a second attempt to apply for a modification when all I wanted was to include the newly received HELCO lender documentation and amount in the with the appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX Acct # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. states, I have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Balance : {$630.00} ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2020 Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan opened in XX/XX/2021 was initially with XXXX XXXX XXXXXXXX. They transferred my mortgage loan to a new servicer in XX/XX/2021, Carrington Mortgage. My mortgage payments to Carrington, since XX/XX/2021 have not been reflected on my credit report as of XX/XX/2021. My credit reports only shows mortgage payment up until XX/XX/2021, and there is no current mortgage loan from Carrington reported on my credit report. I contacted Carrington in XXXX, XXXX & XXXX with claims of waiting another month. They claim to have reported my payment history as of XX/XX/2021. My credit history shows no mortgage since XX/XX/2021 under XXXX XXXX  and this has been incorrect for 6 months.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

LexisNexis is continue to be noncompliant to the fair credit reporting regarding providing a consumer, their credit report and to dispute an accurate information on XX/XX/XXXX I cent in a dispute for an accurate information on my credit report specifically inaccurate mailing addresses and a judgment.. I also requested my credit file to check it for other inaccuracies to which this company keep stating they can not authenticate my identity, however I have sent in all requested documents. I have even got a certified notarize letter stating the following documents were sent dispute letter, photocopy ofSocial Security card, photocopy of ID and a bank statement to which this company keep stating that they can not authenticate my identity. Furthermore XXXX months prior to this my identity was verified and no personal information has changed since then. I believe this company is interfering with me getting and making corrections to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have a Helzburg Diamonds  Capital One Credit Card. I get automatic payments withdrawn every XXXX of the month of {$86.00}. I was called by Capital one stating that I had a past due balance of {$300.00}. I was taken by having a past due balance so I asked them is it possible for me to have a past due balance while monthly payments are being made consistently. Not aware of a past due balance until XX/XX/2019. I immediately went to my account online and made a payment of the {$300.00}, so there was no issues with my account. Which now means I made the {$86.00} payment on the XXXX of XXXX and another {$300.00} on Monday the XXXX of XXXX. 3 days later I get a notice from my credit report that I have an account in bad standing, when the customer service rep told me that it would not be reported as delinquent if the {$300.00} was paid. I was transferred to a supervisor, who was very rude and seemed in a rush to get me off the phone. I shortly after ended the call and started to write this complaint that you are now reading.
Product: Debt collection

this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint
Product: Credit reporting or other personal consumer reports

I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX BANK XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX BANK Balance {$680.00} Open Date XX/XX/XXXX XXXX XXXX BANK Balance {$110.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$710.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX 2023
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXXXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

RE ; Shellpoint a Division of Newrez, XXXX XXXX, Account XXXX Mortgage regular payment for XX/XX/2024 sent US Mail, Check # XXXX {$1300.00} recorded on account, ( principal {$570.00} Interest {$330.00} Escrow {$470.00} ) also sent separate check for XX/XX/2024 # XXXX {$5000.00} for principal payment only check # XXXX was accepted by Shellpoint for the Erroneou amount {$310.00} the extra Principal. Therefor they did not record the total amount paid to principal {$5000.00} ( {$6300.00} total sent for the ( XXXX ) checks they received ) Total amount not applied to principal Paid {$4600.00} Thank You, and would greatly appreciate your assistance in recovering the XXXX Sincerely. 
XXXX XXXX Shellpoint XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, TX XXXX XXXX
Product: Debt collection

The debt company ceased the collection debt, but Experian is not fixing my credit score or taking off the collection debt, been going thru this for months.
Product: Credit reporting or other personal consumer reports

I noticed that there are unauthorized inquiries. Help me with that
Product: Debt collection

I was a XXXX customer from XX/XX/XXXX until XX/XX/XXXX. I then cancelled my services, paid my final bill, and returned all equipment. I initially found a collection account on my credit report in XX/XX/XXXX from XXXX, but being billed under XXXX XXXX, in the amount of {$360.00}. I immediately disputed the charges and it was confirmed as inaccurate and removed from my credit report on XX/XX/XXXX. The collection popped up on my credit report again under XXXX XXXX XXXX ( for XXXX ) in XX/XX/XXXX. I immediately disputed it again and once again it was found inaccurate and removed from my credit report. Then the same thing happened once again in XX/XX/XXXX and I have been fighting it ever since. I have been dealing with XXXX and Convergent ( the new creditor/collection agency ) and no one has been able to provide any proof that this debt it legitimate but refuses to remove it from my report. I asked for a copy of the supposed bill and received a copy of a bill that was for a billing cycle 2 months after my cancellation of services. None of the numbers match up and no one is willing to help me. I have attached a copy of the evidence they sent, it doesn't make any sense at all.
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC, is Violation 0f 15 U.S CODE I68IN-CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE, 15 U.S CODE i68io-civil liability for negligent noncompliance, 15 U.S. Code 1692 ( c ), EQUIFAX INFORMATION SERVICES LLC REFUESSES TO SEND ME THE AGREEMENT BETWEEN THEM & XXXX XXXX XXXX SHOWING WERE XXXX XXXX XXXX GAVE PERMISSIBLE PERMISSION FOR EQUIFAX INFORMATION SERVICES LLC TO OBTAIN ANY CREDIT INFORMATION FROM THE CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX CREDIT RATEING AND SCORE IS GRANTED BY FULL FAITH AND CREDIT ARTICLE IV, SECTION XXXX OF THE UNITED STATES CONSTITUTION.