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

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Mortgage

I am an XXXX year old widow whose loan wnet into default during my prolonged illness. I reached out to the mortgage company OCWEN LOAN Servicing and requested a loss mitigation packet. I did receive this packet and submitted a loss mitigation application in late XX/XX/2018 and received a response letter in XX/XX/2018 that the modification was denied. The stated reason for the denial was that in did not meet the proprietary requirements of the lender or the investor. And that NO resolution was possible. Since then, I have started to receive notices from the XXXX XXXX XXXX indicating that my deceased husband 's name was still on the loan and they needed to appoint a PR to open and close his interest in the property through an estate. Due to my illness, I missed the court date and the lawyer for their firm was appointed. Since then I have pleaded with the mortgage company to give us ( my daughter is assisting me with trying to resolve the matter ) a reasonable workout plan based on the default of $ XXXX ( at the time XX/XX/2018 ) it has now grown to a delinquency of {$78.00} XXXX ( XX/XX/2018 ) to no avail. They said that a 36 month delinquency left them with an only option of collecting the full amount for reinstatement of the LOAN. In the meantime, on XX/XX/2018 I received the court copies that the request to foreclose has been filed under CASE NUMBER XXXXXXXX-dated XX/XX/XXXX18.
Product: Money transfer, virtual currency, or money service

Several unauthorized transactions via Zelle were made from my account. I tried to dispute them however I was told that I would be held accountable even if services were not rendered including if money was taken from my account
Product: Credit reporting or other personal consumer reports

A XXXX XXXX filing was had on XX/XX/year>, by myself in a XXXX XXXX XXXX, less then thirty ( 30 ) days later, on XX/XX/year>, Case No. : XXXX was voluntarily DISMISSED by Order of the XXXX. XXXX XXXX. XXXX XXXX XXXX Bankruptcy Judge. 

That case involved a single Proof Of Claim, filed prior to that Dismissal without a Discharge, by XXXX XXXX XXXX, and I repaid them the claimed {$480.00} in cash as the Credit Card Bill was never received after the prior filing with them of a dispute involving two ( 2 ) Court Clerks in the XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX, Florida as well as both Clerk 's of Court and appeal fees paid through/by XXXX 

The facts stated by this reporting agency, on my current Credit File/Report, appear ' to show that the case was not dismissed- BUT IT WAS { this issue is also applicable to XXXX and XXXX as well they will be addressed subsequently }.

As it is my understanding that because it was dismissed in under thirty ( 30 ) days, per XXXX and case law, even the adverse effects of such a filing should be limited as to their effect on any calculated or calculation of reliability for repayment ( etc al ) even though no discharge had been sought or received by the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

We submitted a short sale for unit XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX back in XXXX 2014 to Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This company has been very uncooperative and made us resubmit the same paperwork multiple times, while not performing their due diligence, making it impossible to conclude the sale of the unit. They created a paperwork nightmare and forced us to auction the unit knowing in advance that the property would not fetch a better offer. Consequently, the buyer is prepared to retract his offer which already happened in unit XXXX located on the same building which had a similar offer and is also owned by the XXXX owner. 

Nationstar Mortgage is responsible for the offer of unit XXXX to be annulled and is also responsible for the offer for unit XXXX to be on the verge of being annulled. We are not sure why they creating all these barriers as we worked with them in good faith. Please help us to speed the process and asked them to stop playing these games. Thanks, XXXX XXXX ( owner ), XXXX XXXX ( 3rd party ), XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX XXXX XXXX 4 : XXXX XXXX : XXXX 5 : True XXXX XXXXXXXX : XXXX 6 : XXXX XXXX XXXX XXXX XXXX 7 : XXXX XXXX  XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX : XXXX 10 : XXXX XXXX XXXX XXXX XXXX 11 : US DEPT OF ED/XXXX  : XXXX 12 : DPT EDXXXX : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifaxs investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.
Product: Debt collection

For the last year or so, Resurgent Capital, working on behalf of LVNV Funding LLC, has been trying to collect a debt that doesnt belong to me. They have called many times, and also I have received letters from the law firm of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX threatening me with a court case if I dont pay the amount their client is requesting. 
Here is what I have done so far : Wrote to LVNV asking them to cease and desist calling and threatening me because the debt they are collecting doesnt belong to me. 
Wrote to XXXX, XXXX, XXXX XXXX XXXX also asking to desist threatening me with court action if I dont pay the amount their client is trying to collect. 
In each letter, I explain why the debt doesnt belong to me. 
I didnt receive an answer from either of these individuals, and the calls and threatening letters continue. 
I call customer service at Resurgent Capital and spoke with one of their agents who agreed that the last 4 digits of my social security ( XXXX ) do not coincide with the debtor social security, but that could do nothing about the situation, he suggested that I change my address thus stop receiving the threatening letter, and he promises to remove my telephone number from their list. During the conversation, the implication was that was better for me to pay this amount than to contract a lawyer to defend the case when it goes to court. He maXXXX be right, but this cant be legal. 
Again the last four numbers of my social security are XXXX I have never resided at the address they are listing for the debt. I have been residing at my current address since XXXX. And before that date, I was a resident of XXXX, NJ I have never had any business with XXXX XXXX. 
My current XXXX score is XXXX ( see attached file ) Please help stop all these individuals from keep bothering me by collecting an amount that I dont owe. 

Thank you for your help. 

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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXXot notify me 21 days before my payment date on any of the XXXX accounts they reported late payments on. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a complaint about this bureau. This bureau is incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by announcing inaccurate accounts on their site without my authorization. I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some inaccuracies on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So Im writing to your agency based on the fact that you have furnished a bankruptcy on my report without my permission. I know that you pulled the information from PACER but yet youre stating that the furnisher is the US Bankruptcy Court when we know that thats not true because courts nor the PACER system communicate with consumer reporting agencies, and I have proof of that.

The sharing of information without my expressed written consent is identity theft. The federal laws that back me up are as follows : I never provided Lexis Nexis with written permission to report any account which is inclusive of all the data you have mined from different databases, especially this bankruptcy. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). So what does that say ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

We know that the definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

That means if I did not provide Lexis Nexis with consent to share my credit card ( ID, SSN ) with another entity those being XXXX, XXXX, and XXXX, then this is a violation of 15 U.S. Code 1681c-2.

This federal law states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

See all four ( 4 ) items attached.
Product: Mortgage

My loan covers 2 parcels. They have not paid taxes in all three years of having this loan, without my intervention. Taxes continue to be in default from XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Product: Credit reporting or other personal consumer reports

Some time ago, I discovered numerous entries on my credit report that I believe to be fraudulent. These accounts are unfamiliar to me, and I am uncertain of their origin. In response, I requested validation from the bureau for each of these accounts, specifically asking for the original contracts to understand who might have used my identity and to have these entries removed. Despite submitting a letter and an FTC report as requested by the bureau two months ago, I have yet to receive the original contracts or see any changes to the information on my report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ; XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I have a loan with CHASE CARD XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. accounts, loans, credit cards, and other accounts/things were fraudently opened in my name i have contacted XXXX  credit bureau XXXX XXXX credit bureau and XXXX experian credit bureau about this matter. the credit bureau continue to report inaccurate, damaging, negative information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card

In XX/XX/2016, I applied for and received an American Express Business Credit card for My business, XXXX, EIN # XXXX. The offer came with a 50,000 Membership Reward point bonus if I spend {$5000.00} in 90 days, which I did. Today, XX/XX/2016 I called American Express to find out what had happen to my points. I was told that I was n't eligible for the bonus, since I had the same type of credit card for my other business, XXXX EIN # XXXX. The offer says " Welcome bonus offer not available to applicants who have or have had this product. '' This is a business card, and I have XXXX business 's of which, XXXX is the applicant, since I use each card for a different business, and each card is registered in the appropriate name with American Express. 

I am due the 50,000 Membership Reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the Experian credit bureau XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I included this in my last complain and hoping that this XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}, 60 days late will be removed.
Product: Checking or savings account

My account with Navy Federal Credit Union was recently permanently restricted on XX/XX/XXXX without any notice. I was advised the account was restricted due to a loan descrepancy. I have had my account for over 1 year and it has been in good standing without any problems. I am disappointed that my account was restricted without notice and no additional information given to submit an accurate appeal. I am sponsored by my sister XXXX XXXX who is a veteran as well so my membership should not be in question. I had just recently applied for a credit limit increase and line of credit which were both approved and have not had any issues with my account since its inception. I had over {$5000.00} in my account which had to visit the branch several times and speak with the security team for them to release my funds. I had just paid my credit card account off in the amount of {$2500.00} right before the bank decided to close my account. No one from the security department has given me any information as to why my accounts have been restricted. They have been very evasive in their answers.
Product: Credit reporting or other personal consumer reports

All of these hard inquiries are the results of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission. 
Experian inquiries : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Transunion inquiries : XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax inquiries : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure