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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT. 

XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS. 

THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022. 

I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX, HEY THIS ACCOUNT ( XXXX XXXX ) HAS BEEN ON MY CREDIT REPORT MORE THEN 7 YEARS AN THE OPEN DATE REPORTED IS INCORECT.
Product: Debt collection

XXXX/ XXXX due to identity theft debt do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am reaching out to you, because I have an issue with the way my credit utilization is being reported. My score was approximately XXXX as of XX/XX/2023 and my score is XXXX. The credit bureau stated that my credit utilization was XXXX XXXX which is incorrect. I only charged XXXX XXXX of one of my credit cards. My other credit cards all have a XXXX balances. Per the information I received as to how to calculate your credit utilization ratio to determine your credit utilization is a follow : 1. Add up the balances on all your credit cards.

2. Add up the credit limits on all your cards.

3. Divide the total balance by the total credit limit.

4. Multiply by 100 to see your credit utilization ratio as a percentage. 

Based on this, I am using XXXX XXXX of my credit. How can my score go from XXXX to XXXX within 1 month solely based on my having a higher credit card balance on one card and no balance on all other cards. I am starting to think this is purposely happening. Some of my family is experiencing the same issues. Based on research, as long as you stay below 25 % of your credit card usage. Your score should not go down. 

Not only that, my son is an authorized user on my card, which now has decrease his score by XXXX points. 

I would appreciate your assistance in this matter, so that my score can go back to XXXX where it was. I will end up contacting my attorney regarding this, because this is not right. 

I have attached my credit score history so that you can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : XXXX XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payday loan and read online they were illegal. I tried to pay the loan off and XXXX XXXXs with the money I owed minus what I paid, they refused to accept the payment. I called the state of New Jersey to find out what i could do and was told to not pay because they are illegal in New Jersey. I filled out a complaint with the agency. XXXX XXXX is an illegal lending institution and does n't have the right to put negative information on my credit report. I have called and asked XXXX XXXX to remove it and I have also disputed it to the credit reporting agencies and it is still there.
Product: Payday loan, title loan, or personal loan

I was not able to make my first two installments due to account fraud. I let the company i financed a bed through, know this before my 90 day pay off was up, and i arranged a payment of {$100.00}, that one time, and then i let them know i'd try to pay off the balance, in installments, until i was caught up and i had it paid off. They agreed. ( i recorded the conversations with them as well ) The rep had an attitude from the start and she kept saying she only hit the submit button once but my phone starts dinging, from the online app, from my bank stating that i was over drafted. I saw that through the app American First Finance was sucking my account dry and way past the owed amount. Since a year ago, they have kept all of the XXXX dollars they stole out of my account and have gave me the run around about me getting my money back. To add salt to injury, they filed a collection on my credit and harassed me about money i no longer owed and they refused to send me a receipt since they over charged me. then the amount owed is supposedly accruing interest and is on my credit causing further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please remove.
Product: Mortgage

I am a veteran who has a current VA loan with Freedom Mortgage XXXX this company bought my loan from J G Wentworth ). I have never had a late payment with Freedom Mortgage.I began receiving solicitation from Freedom to take advantage of the IRRRL ( interest rate reduction refinance loan ). In late XXXX I called and XXXX took my application. Email correspondence began in XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX ) XXXX.I have sent emails to him beginning XXXX XXXX and 6 other emails to XXXX XXXX with the last one XX/XX/2020. In addition, I have record of 5 voicemails. XXXX XXXX is very slow to return calls and emails. Whenever I have been asked for a document I have responded within 24 hours. The exception is a letter from me granting permission for the lender of my HELOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) to request a credit report. I have explained that AFCU does not require a credit report. I have explained this via email at least 5 times. I believe Freedom is speaking with the wrong XXXX XXXX. I'm told my loan now at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She has twice asked me for the same letter in her emails.I have explained the above to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Experian investigation results with report # XXXX dated XX/XX/XXXX. I've contacted Experian several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/XXXX requesting the method of verification used to verify the erroneous Public Record showing on my credit file and Experian failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So Experian purchased this data from a 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the Experian 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Experian can Never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. Experian most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above is why Experian was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Debt collection

i pay my insurance annually in advance. my policy with XXXX expired XX/XX/2020. Due to substancial premium increase i did not renew the Policy. i changed to XXXX. I called several times and spoke to agent at XXXX who advised due to covid mandates & absentees they run all policies for 6 months due to not being able to cancel anyones policies. they asked for me to email the Declarations page of my XXXX insurance confirming my new policy with XXXX running fron XXXX XX/XX/2020 which i did. however XXXX failed to pass this crucial information to XXXX XXXX XXXX  which is still listing, to date, {$810.00} as owing on my credit history, which i never owed in the first place.
Product: Debt collection

XXXX XXXX XXXX and Attorney Hunt & Henriques ( collection agency ) is trying to collect a credit card debt XXXX even though the statutes of limitations has ran out. The Judgement was issued in XXXX by XXXX XXXX XXXX Court  , XXXX of XXXX XXXX but I was never served or receive notice from the court until the Judgement Levy was received at my employment XXXXThe Judgement Levy garnishment amount XXXX demanded in full to be sent to the Sherriff. I contacted Hunt & Henriques and explained that I had no knowledge of the debt, judgement and they did not want to vacate the Judgement. I filed a motion to vacate judgement pro per and to set aside default it was declined on XX/XX/XXXX in the XXXX XXXX XXXX Court claiming i was served by a process server but no actual paper work was presented or needed to prove I was served in XXXX According to the Judge .I attempted to explain that XXXX XXXX XXXX has been using the tactics of going after consumers for collection of bad debt even though the statutes of limitations had run out and also using robo-signing affidavits the Judge declined to hear it. XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Case # XXXX Another week has passed with XXXX XXXX being unable to locate a {$2500.00}. payment I submitted to them on XX/XX/XXXX. Although they claim they have returned it to my account, they have provided no documentation to show that and it is not in my account. We are going into the third month of lack of contact or resolution. This is unacceptable.
Product: Debt collection

First, the debt collector contacted me at XXXX a.m., which is a violation of appropriate contact times. Additionally, the debt collector provided me with false information on XXXX separate occasions : ( 1 ) They initially claimed they would submit the claim back to the medical provider with the insurance information but failed to do so. ( 2 ) Subsequently, they stated that the claim had been returned to the medical provider, submitted to insurance, and that the balance owed reflected the amount after insurance payment. However, upon contacting the medical provider, I was informed that the bill had never been submitted to insurance.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score.

I have several concerns regarding this account : XXXX. **Inaccuracy of Reporting : ** XXXX  XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

XXXX. XXXX XXXX : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

XXXX. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA XXXX and it appears that the reporting of this account XXXX be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX XXXX, and noticed there is an inaccurate account and/or item on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature. 


Radius Global Solution collection account is fraudulent Original Creditor is XXXX  XXXX XXXX and the account was paid in full on XX/XX/2020. Please find the attached receipt from XXXX XXXX XXXX
Product: Mortgage

My home mortgage was with a bank named Nationstar a year later I find out that the name Mr Cooper will be taking over that old company and will for now be handling my account. My payments are set up to be automatically drafted from my checking account. Starting in XX/XX/2018, this company starting taking triple the amount of my SET rate out of my bank account. I went to the bank stopped the automated drafts. I called the company and told them for now on I will send you my payments. From then on I have. I have not missed a payment, never been late. I have full proof. My complaint is on this company for continuous bullying and harassment. I hired a attorney and he sent them a letter saying to no longer contact or mail me anything. So with that being said my most recent problem is I received a letter from the mortgage company saying Im 4 months behind in my payments. I told my attorney and he recommended contacting you because he could not do anything w/o taking them to court. I have plenty of proof of me making my payments and sending them on time. Please help me, im In desperate need of help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against transunion under 15usc1681 c-2 for identity theft to block/remove the following accounts for identity theft and fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion removed these accounts on XX/XX/2024 and put them back on and reporting inconsistent incomplete inaccurate information on my reports.i looked at my credit report today XX/XX/2024 and seen that the accounts where reaged and put back on my consumer credit report.please delete accounts upon 4 business days of receiving this complaint pursuant to 15usc1681 c-2 I am attaching the ftc report XXXX XXXX as proof
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX My SS # XXXX My DI # XXXX XXXX XXXX XXXX XXXX I'm attaching copies of my SS and Driver 's license for verification purposes. 

There is a item on my credit report which I believe it's purposely being reported erroneously but it is hurting me tremendously. 

I purchased a XXXX  XXXX from a now out of business car dealership, for the better part of two years, I continued to have mechanical issues with the XXXX, having to bring it to the dealer for repairs, finally after a year and a half, the engine collapsed, they refused to fix the problem I immediately called the XXXX  XXXX, they completely ignored me, so I voluntary surrender the XXXX. 

XXXX stopped their collection efforts, and sold the account to Credit Acceptance Corporation XXXX XXXX continue to show this account as opened, and are reporting it as a late payment every month, and you know how devastating that is when you are trying to rebuild your credit. 

I'm not sure what the legality is of what they are doing, but I'm certain it's not being reported truthfully, yes I had a loan, albeit for a damaged car, yes I turned it in whether they categorized it as a repo or something else, but it should have been closed and perhaps show it as a charge of, I'm not sure, but then try hey sell it to credit Acceptance corp, and they are purposely misreporting it as an open account in order to hurt my credit even more. 

I am pleading with you to please correct this situation or perhaps if I'm wrong, inform me of how to best address this problem. 

I have hired two credit repair companies and all they have done is steal my money, please HELP. 

Respectfully XXXX XXXX XXXX
Product: Mortgage

Rocket mortgage will not close my refi due to my being involved in a car accident and being able to verify with my employer about missed time.
Product: Mortgage

I called in to pay my mortgage on XX/XX/2022 to ensure my account did not fall 30 days past due. I spoke to a representative over the phone who assisted me with processing the payment and provided me with a confirmation number. I received a notice that my mortgage was 30 days deliquent and the company informed me they had no recollection of my call. According to their records there were no notes on the account. I pulled up my call log and I called in at XXXX  that morning and spoke with someone who processed the payment for me. I asked the employee to pull the call. The managers shared with me they do not record all of their calls and could not locate the call. I have a 100 % on time payment history prior to this, and I take pride in that. I should not be penalized because their representative and their system did not document the interaction accordingly and factually. I have researched the company, New Rez and apparently this happens often. I am requested my payment history be reported accurately and timely, as my bill was paid within my 30 day window.
Product: Debt collection

Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page