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

I filed a complaint with XXXX XXXX and called the XXXX XXXX. They verified that the account was paid on time for the months in question but claimed that XXXX XXXX has inaccurate information. This is not true because I had a hard inquiry on my report which indicated that the false late payments were indeed stated on my credit report. This letter has been sent, along with my full name and address to TransUnion and XXXX. 

Amount of Debt : {$26000.00} Provider of Service : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be completely DELETED. 

The following derogatory accounts allegations are either, untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : Alleging Creditor and Accounts as is reported as having a late payment my credit report : XXXX XXXX XXXX XXXX Payment History XX/XX/2023 XXXX XXXX XXXX XXXX Payment History XX/XX/2023 I am demanding that this account be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I've asked several times for the item to be removed and spoke with them about this being fraud, but they've yet to remove it. [ XXXX credit card ending in XXXX & XXXX XXXX Account ending in XXXX ] I've failed an FTC report detailing the fraud. Initially I was told to focus on the CFPB, but I've filed several disputes and it hasn't been working. They provide me a blanket answer.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX  business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. also I read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something please called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything are missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX Account Number : XXXX Verification : cancel contract.Please provide the original contract or delete I also read where i can get the updated report after investigation this from the Free lawyer guy Could you please send it to me? Also. Please let me know who had access to my file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report from XXXX  that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes Equifax and XXXX  ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing a debt in collection the debt was incorrect and never occurred The problem was corrected by the claimant over two years ago but Equifax continues to show this
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by TransUnion. I have sent in this report but these fraudulent items still remain.
Product: Debt collection

PNC claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get credit report after placing freezes on accounts with bureaus ... victim of identity theft and fraudulent accounts being opened ... ..my middle initial is incorrect corresponding with my social security ... .somehow the identity theft has changed my legal name.
Product: Debt collection

I am a victim of identity theft. I have tried to dispute it with multiple credit bureaus and the company. Yet nothing is being done. Southwest Credit XXXX is still not removing the account from my report or canceling the debt.
Product: Mortgage

On XX/XX/XXXX at XXXX AM in my divorce decree it was ruled that I gave the home to my ex-husband and was no longer financial responsible for the home. 
XXXX CIRCUIT COURT OF XXXX XXXX, ALABAMA XXXX XXXX  XXXX, CLERK Since, I have contacted 21st Mortgage Corporation to have my name removed from the mortgage. On XX/XX/XXXX they received a certified letter from me requesting name removal from the mortgage ( Tracking Number : XXXX ). After numerous of attempts to remove my name before, on XX/XX/XXXX XXXX Judge : XXXX XXXX, XXXX XXXX the court the request of the parties, Plaintiff, 21st Mortgage Corporation XXXX and XXXX, XXXX XXXX XXXX XXXX it is hereby, ORDERED, ADJUDGED and DECREED as follows : Count One of the Complaint of 21st Mortgage Corporation ( `` Plaintiff '' ) is hereby dismissed without prejudice as to Defendant XXXX XXXX. 
XXXX XXXX XXXX is hereby rendered in favor of Plaintiff. Count Two of Plaintiff 's Complaint for the immediate possession of one ( 1 ) XXXX ( " Manufactured Home '' ). 
After the ruling, the home was surrendered. However the company has not attempted to get the home. Their failed attempt to retrieve the home after the ruling 1 year and 7 months ago, is affecting my life. My credit score has dropped dramatically. I have tried communicating but I have not received a response. The account is still reporting to the credit bureaus as open and reporting negatively on my credit report. As stated before, I am not financially responsible for the home. My ex-husband has ownership of the home and in judgement is fully financially responsible for all obligations with the mortgage.
Product: Credit reporting

When I apply for a car loan my father 's credit report is shown, not mine.
Product: Debt or credit management

Subject : Complaint Against Consolidation Plus Dear CFPB, I am writing to formally file a complaint against a company named Consolidation Plus regarding my troubling experience with their services. 

In 2017 approximately, I hired Consolidation Plus with the promise that, in exchange for a payment of {$35000.00}, they would pay off my debts in full and that I would only need to make a single payment. 

However, after making this payment, I sought business funding and was informed by the underwriter that Consolidation Plus had not settled any of my debts. When I reached out to them, I received false assurances that my debts had been paid off, but they were unable to provide any validation or receipts to support this claim. 

Despite my numerous complaints, I was promised a refund of my {$35000.00}. Unfortunately, this refund never materialized as Consolidation Plus faced multiple lawsuits alleging deceptive practices and failure to deliver on their promises. Ultimately, the company closed down following these legal challenges. My debts were sold to another company, which is now reporting {$50000.00} as a charge-off on my credit report. I was never given the opportunity to dispute this debt. 

The new company is now demanding an additional {$50000.00} on top of the {$35000.00} I already paid for the debts that were allegedly settled. 

I am requesting your assistance in applying all relevant consumer laws to dispute this debt and hold Consolidation Plus accountable for theft by deception. The applicable laws include : Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using deceptive or unfair practices, including failing to provide validation of a debt. 

Truth in Lending Act ( TILA ) : Requires clear disclosure of credit terms and costs, which Consolidation Plus failed to provide.

Credit Repair Organizations Act ( CROA ) : Regulates the operation of credit repair organizations to ensure they provide honest and transparent services.

Consumer Financial Protection Act : Protects consumers from unfair, deceptive, or abusive acts in financial services.

Consolidation Plus has faced numerous legal issues in the past, with many consumers reporting negative experiences related to deceptive practices. Some lawsuits have claimed that the company failed to fulfill its promises regarding debt relief and settlement services.

I seek proof of validation of this debt and request that it be removed from my credit report, as I never received the services I was promised. Additionally, I would appreciate any information regarding lawsuits against Consolidation Plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXX XXXX, & trying to get into a XXXX XXXX XXXX as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my XXXX small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
Product: Checking or savings account

XX/XX/XXXX I called Ally bank regarding a matter with my accounts. Customer service routing me to the the department handling the matter. I was very insulting my one of there members he handled the matter very unprofessional. He was yelling on the phone basically disrespected me. And told me never to call them again. After that I called them again and I did talk to a very respectful person on there. I do not believe this guy who talks to people on the phone disrespectful should be working in a bank. I want to know does ally bank condone this behavior by their people regardless of the department they work in. Then I called them on Saturday the XXXX asking for a Bank statement. I have to sit there on the phone and tell them I deserve a bank statement, but want to reroute me to another department and when I told them I deserve a statement. A hangup on the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION did not respond to disputed items on my credit report within the legally allowed 45 days. I submitted a complaint, they said they were still working on it, then they said they mailed it out XX/XX/14. I RECEIVED NOTHING, also no updated to credit report showing they looked into it. 

This action is against the law, they have 45 days.
Product: Mortgage

I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have been having issues with someone using my identity to open accounts since XX/XX/2012. I have seen several accounts and inquiries show up on my credit reports that I am no responsible for. I am not sure of who may have obtained my information. I would like to have all fraudulent accounts and inquiries removed. The information of this activity has already been reported to the credit bureaus. I have also filed a police report for this incident.
Product: Debt collection

I have received 2 texts from Harris & Harris Debt Collector for a debt with XXXX XXXX XXXX. I do not owe a bill with them. I called them and verified that I have a balance with them. These people have my name. They have a number to call which is : XXXX  
Thank you for your help. I have my phone number registered with the DO NOT CALL Registry.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called the company XXXX XXXX to settle on a payment to be able to take this account off my credit report. XXXX XXXX agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, 2 letters were delivered to XXXX XXXX and Equifax stating that an old inquiry still hasnt been removed from my Equifax Credit Report. XXXX XXXX completed a credit report inquiry in XX/XX/XXXX. Equifax should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
Product: Mortgage

Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately. 

Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.
Product: Debt collection

I contacted Tenaglia & Hunt, P.A to discuss a debt that they said I have with XXXX XXXX XXXX in the amount {$5900.00}. Tenaglia & Hunt, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to XXXX XXXX XXXX they informed me that they do not have any knowledge of the debt and I would need to speak with Tenaglia & Hunt, P.A.. According to XXXX XXXX XXXX Tenaglia & Hunt, P.A. has had this debt since XXXX. The interaction with Tenaglia & Hunt they have been unresponsive, rude and dismissive over the phone. XXXX XXXX XXXX has told me that they do not know what is going on with the debt and that I need to contact Tenaglia & Hunt.
Product: Debt collection

The initial debt was with XXXX XXXX. The debt went to XXXX  XXXX XXXX agency XX/XX/XXXX. The debt was then sold to National Credit Adjusters. They are reporting an inaccurate date the debt when to collections. They are showing XX/XX/XXXX which is incorrect. This is affecting my credit as it appears newer than it actually is and now will not fall off for additional 3 years. I have tried disputing with the credit agencies and am not getting anywhere on that. They provide no documentation to support the date this account went to collection. They need to update the date to the XXXX date as that is when the account went to collection.
Product: Debt collection

They keeping calling me for the last XXXX years and XXXX months from different phone number morning and night repeatable. I'm sick of it the most recent call I have is on XX/XX/XXXX XXXX XXXX. 2023.
Product: Student loan

Over the last decade I have been attempting to make a plan with Navient to repay my student loan. The loan was given to me then during a period of time my ex-husband was laid off so it was in deferment, then I was divorced and it was in deferment. I called multiple times over the years to inquire about repayment plan options in order to set up paying it off and getting rid of it. Instead it has continued to accrue interest and is now at at almost unmanageable loan amount. I initiated a income based repayment plan and I will be applying to the public loan forgiveness program ; yet if there are any other options for me to rid the Navient loan or switch it to another service I would like to. I am struggling to get the information I need from Navient, plus I received poor information previously to " just keep it in deferment '' without knowing the interest was gaining the whole time. I was informed that during hardship and while I was in school interest would not acquire. In reality it has gain interest cost this entire time. 
I am not sure if anything can be done about this, but wanted to at least bring it to light. Please advise or assist if there is anything that can be done.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

plz remove the following inquiries as they are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 please delete as I did not give my written consent or to run my consumer credit and this is a direct violation of my consumer right 15 USC 16818
Product: Credit reporting or other personal consumer reports

Attached Experian will find the " data furnishers '' response to case XXXX XXXXXXXX. 

" Alleged account furnisher '' advised that the " alleged '' account in question is hereby DELETED!!!!. 
Experian has failed to update their records to reflect. Here is the " data furnishers '' response to the disputed account based on identity theft. 

Dear XXXX XXXX, This communication is from XXXX XXXXXXXX XXXX XXXX XXXX, a debt collector, and is in response to a complaint we received from the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXXXXXX case # XXXXXXXX. We take all complaints seriously and evaluate each one on a case-by-case basis. This response was submitted to the CFPB on XX/XX/XXXX. We are in receipt of your FTC Identity Theft Report and have completed our investigation into your complaint. The account has been removed from credit reporting. We have processed a manual credit deletion. Please note that we have no control over the amount of time it will take the credit reporting agencies to update your report. If you need further assistance, you can reach us by phone by calling ( XXXX ) XXXX. We are available Monday Friday from XXXX XXXX XXXX XXXXXXXX XXXX CT. Any of our representatives will be happy to assist you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX