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

Im very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! This has caused me not to get approved into a home and not being hired I have been going back and forth with the bureaus for over XXXX months now! I ask that you delete these accounts immediately! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways as they are reporting inaccurate dates and amounts for all XXXX credit reporting agencies!!! Delete accounts immediately as it states in the FCRA. XXXX XXXX and XXXX XXXX also reports several inaccuracies and need to be deleted immediately from all XXXX bureaus. I am completely exhausted of the back and forth and will seek litigation
Product: Mortgage

We were paying off the mortgage on our house. The payoff amount was to arrive at the lender, PHH Mortgage, on XX/XX/19. That is the same day that PHH would debit {$1100.00} for the XXXX payment from my checking account. On XX/XX/2019 I called PHH and informed them the loan will be paid on XX/XX/XXXX and asked that they not take the XXXX payment from my account. The PHH rep said no problem PHH would stop the withdrawal and in fact PHH did not take any money on XX/XX/XXXX. Now today, XX/XX/2019 they took the XXXX payment, {$1100.00}, from my account.. 

I called PHH and asked if the entire loan had been paid off on XX/XX/XXXX and it was confirmed that it had. I asked if PHH has the record of my request on XX/XX/XXXX to stop the XXXX payment and was told yes. So I asked why then did PHH take {$1100.00} from my account on XX/XX/XXXX. I was told, by a rude representative, that it takes 30 days to make a change to how payments are made. I said that makes no sense because you already stopped the XX/XX/XXXX payment and then arbitrarily and without authorization took money three days later. This really is outrageous. Now I have to wait " up to '' 25 business days to get MY money that PHH illegally took on 100 % paid off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed bankruptcy in XXXX of XXXX. It was discharged in XXXX of XXXX. There was a mortgaged included in bankruptcy that was not reaffirmed, so nothing was to be reported after bankruptcy discharge in XXXX of XXXX. Upon checking my credit report and score, I noticed that Experian is showing it's been 2 years since my last late payment, which is much different than 4 years and can significantly impact my credit score. I knew that was incorrect as I've not had a late payment on anything since bankruptcy. Upon investigating where that came from, they're saying that my mortgage company reported a delinquent payment in XXXX of XXXX. I contacted my mortgage company and the account was " discharged '' to credit bureaus XX/XX/XXXX due to bankruptcy as well as my account being paid in XXXX of XXXX on time even though it can't be reported due to bankruptcy. I have disputed this 3 times with Experian and once with XXXX and XXXX, and even included documentation that the mortgage company gave me stating that there is no delinquent payment in XXXX of XXXX, but Experian is closing my dispute as " remains '' each time due " The company that reported the information has certified to Experian and XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' XXXX has updated and corrected it on their end. 

It should be 4 years and 5 months since my last late payment, not 2 years.
Product: Credit reporting or other personal consumer reports

View attached 2 files, XXXX illegal credit activities, illegal mortgage activities, cooking be books activity. 

This information about this credit card is disputing accuracy of information or completeness, and with the criminal activities of XXXX make this company complicit in misbehavior. Needless to say very suspicious of this conviction with XXXX reflect in this card as illegal activity, who now is responsible for burden of proof? 

This is of grave concern, the allegation could lead to an independent claim and reference these similar convictions. 

Or you could remove this alleged debt that has subsequently already been paid 3 times now, is XXXX XXXX XXXX and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in lateXX/XX/XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.
Product: Checking or savings account

On XX/XX/year> I initiated a transfer of my XXXX Savings Account ( # XXXX ) funds ( {$1600.00} ), through XXXX via transaction Reference ID : XXXX. Till date no action has been taken to close my account and upon inquiring I was informed by XXXX on XXXX, XXXX  no such request has been received. I have been unjustly charged {$2.00} per month as distribution charges which should not be the case.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$22000.00} Late Payments : XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT XXXX RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a loan with XXXX XXXX XXXX, they stopped reporting to the credit bureau arond XX/XX/XXXX, i then filed a dispute with experian around XX/XX/XXXX, i never recived a letter of there results, it now appears experian has removed the account from the credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation for hard inquiry from XXXX ( XX/XX/2018 ) has been completed by Equifax without verifying the record with XXXX XXXX. XXXX XXXX has already reported the hard inquiry dated XX/XX/2018, as a fraudulent inquiry, however, Equifax infringes Fair credit reporting act by not removing/masking the hard inquiry by executing a scam of fake investigation.
Product: Credit card or prepaid card

I applyed for a credit card at XXXX XXXX which i have never recived, and i think somesody is using it. Screwing all my credit. What i think is that they sent it to a wtong address.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that all inquiries that were compromised or affected by this breach be immediately blocked and deleted from your records. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As you are aware, the data breach has compromised sensitive personal information, and under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c-2 ( a ), I have the legal right to request that any inquiries connected to my name, Social Security number, or other personally identifiable information ( PII ) that were included in the breach be blocked and permanently deleted to protect me from any further harm, including identity theft or fraud.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Resurgent Capital Services Original creditor : XXXX XXXX XXXX XXXX ID XXXX Amount {$340.00} Customer service department I am disputing the validity of this debt. The dates are incorrect. 
XXXX XXXX XXXX XXXX XXXX has parked an old debt on my credit report and is Reporting it as a new debt, reaging my original debt. The date has been altered. As per enclosed letter from Resurgent Capital Services they can no longer sue me for this debt because of the age of the debt. The age has been adjusted making it appear only 3 years old and it is still posted on my credit report. This is in violation of the FCRA Act. I'm disputing this debt with you and with the credit reporting agency if these dates are not corrected I will be forced to sue for these violations along with actual damage, punitive damage, attorney fees and cost. 

Copies to : File a complaint FEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit was notified of the dispute on XX/XX/2021. Ive asked for them to provide proof with the original contract which states any obligation that I have to pay them. A representative verified that the account listed on the original contract was indeed not an address that Im associated with. Instead of then responding to this matter, they increased the COLLECTION account balance XXXX  {$1.00} which is ill to do it its a collection account and it doesnt belong to me.
Product: Debt collection

XXXX XXXX sent me a bill for over XXXX XXXX I have never had a XXXX dollar cell phone bill this can not be accurate I have not received any breakdown of a bill and this is not possible this amount is inaccurate and fraudulent. This is not my bill i had those services back in XXXX  over 7 years ago.
Product: Debt collection

The letter that was sent to me states this was for XXXX XXXX XXXX. I dont owe them a dime me and my husband walked into the establishment and close the accounts. Anything that was owed we paid at that time I have not had an account any other time with this company the only time Ive done business with XXXX is back in 2010 I have never done business with Steele River Systems. The correspondence they sent had my maiden name on it. Ive been married for over 30 years and wouldnt have anything with my maiden name on it. The claim they are coming after me with would be over 13 years old at this point.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. 

I have no knowledge of any alleged account with XXXX XXXX. Period. 

1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 

2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. 

I received no response. 

3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. 

I received no response. 

4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX  XXXX ( no remark ) on my XXXX  credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX  credit report. 

XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 

5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. 

Again, I received no response. 

6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 

7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 

8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX  that dropped my XXXX score by such an enormous amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with JP Morgan Chase that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called JP Morgan to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, & XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. JP Morgan Chase also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX IN ( Original Creditor : XXXX AT XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account on my report I do not recognize
Product: Vehicle loan or lease

Debt Validation Letter Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX Collection Agency City, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account # ( XXXX ) To Whom It May Concern : I requested for a paid in full letter and I received a letter stating, " Chrysler Capital recognizes the above referenced account as paid in on XX/XX/2024, subject to a final reconciliation and accounting * This letter does Not represent a lien release * XXXX XXXX and/or Dealer/Financial Institution will be responsible for the outstanding balance if payment to be reflected with the credit reporting agencies. 

Note I sent them a cashier 's check from XXXX XXXX  ( which is dated on XX/XX/2024 and I had sent it Express Mail on the same date. Tracking # XXXX which arrived the next evening at XXXX XXXX. Chrysler Capital they claim they the check I sent them maybe recall back, but they have already cashed the check.

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

The credit bureaus stated my account was properly investigated but how is that possible if each credit bureau is reporting the following inaccurate information from this one account : * Date of Last Activity * Date Opened * Dispute Status * Account Status This is grounds for removal. 

Also, they violated my rights under : *15 U.S.C 1681 section 602A, which states I have the right to privacy XXXX15 U.S.C 1681 section 604A section 2, which states a consumer reporting agency can not furnish an account without my written instructions. 

My certified tracking for each bureau is as followed : Experian - tracking # XXXX XXXX  - tracking # XXXX Also, I sent a letter off to each credit bureau on XXXX XXXX to update my personal information on my credit report. My right to privacy to have old information taken off was my main agenda, as I only wanted 1 address on my credit profile. All followed, except Experian. On XXXX XXXX, Experian emailed me that my report was updated under report # XXXX. Unfortunately, multiple addresses are still being reported, even though I provided proof of my current address as instructed to do on their website. While they did remove XXXX old address ( XXXX XXXX XXXX ), they only removed the apartment number from a different address only ( XXXX XXXX XXXX ), which is not what I asked for. All my current accounts, have my current address. 

These are all CLEAR violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACOUNT NUMBER : XXXX Collection amount {$9200.00} This account has been disputed through the cfpb and came back accurate without any proof of accuracy and no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft report.