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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$690.00} Inquiries : XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I called experian and told them that If iled a cfpb report, they are in violation of the FCRA, they are reporting an address on my credit report that belings to my father, XXXX XXXX XXXX XXXX XXXX ny XXXX, I disputed this address with experian multiple times, they continue to report this fraudulent address. I want this address removed from my credit report immediately. I also intend to sue if this fraudulent address is not removed from my credit report within 14 days. experian has my correct address XXXX XXXX XXXX XXXX, XXXX ny XXXX experian also continues to report a fraudulent account from XXXX XXXX XXXX XXXX , I disputed this account multiple times with experian letting them know that this account is fraudulent. I '' ve filed FTC identity theft reports multiple times and this account is still being reported, I sent experian and the creditor documentation of me being XXXX  from XX/XX/XXXXuntil XX/XX/XXXX. XXXX XXXXXXXX ACCOUNT was opened in XX/XX/XXXX, I was XXXX  at the time. I want this fraudulent account removed from my credit report within 14 days or I intend to sue.
Product: Credit card or prepaid card

I XXXXXXXX XXXX have a PayPal credit card Account Number : XXXX XXXX XXXX XXXX. 

For over 18months I attempted to contact someone at Synchrony Bank to help me adjust or lower my interest rate at the beginning of the Covid debt relief act. I am struggling to control the account because XXXX XXXX of my payment applies to interest. For example when i make a payment of {$90.00} ; {$57.00} applies to the interest and {$33.00} principle. This is a very unfair business practice. From my original XXXX claim in XX/XX/XXXX which i receive no response or acknowledgement from PayPal forcing XXXX to close the case. I have paid an estimate {$1000.00} in interest. 

I am asking for an interest credit or reimbursement, throughout the entire pandemic although i applied for the covid debt relief I continue to pay my monthly payments which was my responsibility.
Product: Debt collection

This already on my credit and Ive been so three times to another Creditor this is unfair to a consumer I am XXXX. I can not afford this bill and I would this be removed.
Product: Credit reporting or other personal consumer reports

I need immediate attention regarding this issue as it is very alarming. There are credit inquiries on my credit report that I don't recognize nor applied to. I did not authorize this nor given consent to these companies to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Vehicle loan or lease

Instructions given to the indenture trustee XXXX XXXX  regarding account XXXX for PORSCHE FINANCIAL SERVICES has not been executed.
Product: Vehicle loan or lease

I originally purchased my car through US Auto Sales in XXXX of XXXX. In XXXX of XXXX if XXXX not mistaken US Auto Sales filed bankrupt and my loan was sold to a company called Westlake Portfolio Management which is a debt collector. Me being new to this happening and not really knowing or trying to research more into it I was paying this company my money. I was making on time payments in which I was receiving billing statements that reflected an amount due that was more than my payments due bi weekly, which were {$190.00}. I missed 2 payments and was charged late fees that was clearly outlined when I created the account that they did not charge late fees. I am also being charged an insufficient fund fee of {$150.00} and Im not fully understanding that at all. I just recently made a payment of {$200.00} on XX/XX/XXXX a week later I was notified that immediate action was required on my account although I was making payments on the account. Now I owe over {$1000.00} which includes my next bi weekly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Rep ; I was going through my credit report for the last 90-days and working closely with XXXX XXXX XXXX XXXX on my 2 mortgage accounts with several late remarks. As you can see on the attachments, they instructed the credit bureau to remove all the late payments and make the account current and never late. However, my credit report is still showing the errors and i want to provide you the supportive documents to make an immediate correction on both accounts.
Product: Mortgage

We keep receiving late notices from Seterus even though payment is made before the due date. To guarantee funding, payment is made with an official/cashiers check and sent via priority mail. When we inquired of Seterus, their response was that they changed their billing practices and are now sending the next month 's bill before the due date of the current month 's bill. They stated it was done as a courtesy to the consumer but the bill may not reflect payment because of the early billing. We are concerned that the late notices will now reflect poorly on our credit report and credit bureaus will report consistent late payments pattern. We have requested a confirmation and clarification on how their practice will impact credit bureau reporting. If we are paying on time, our credit score should reflect same.
Product: Credit reporting, credit repair services, or other personal consumer reports

RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT
Product: Credit card or prepaid card

I am writing to you with the purpose of explaining the request for dispute for the charge of {$790.00} from XXXX on XXXX of this year. 
I originally signed up for a promotional offer of one month free towards the end of XX/XX/2018 in which they promised me a 40 % share of voice advertising on zip code XXXX, then, by XXXX the calls stopped coming in, when I called them they explained that other realtors bought in the zip code and now my percentage had dropped to 18 % when they had promised that the zip code was locked in and that nobody else would be able to buy in, I immediately requested cancellation of the service and asked that they dont charge my card because this was bait and switch which is an illegal practice in the United States, however, they never acknowledged or accepted my cancellation and said that a my representative XXXX XXXX would call me back, he never did and they charged my card without my permission. I continued to call and write emails requesting immediate cancellation and left several voicemails, and XXXX never acknowledged or accepted my cancellation. In view of my endless efforts I contacted Capital One to request a dispute of the charge, after six months of sending supporting documents to my credit card, they denied my request. 
I humbly ask that you review these facts and help me with this situation. Please feel free to call me anytime if you need anything further. 
Kindly, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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
Product: Debt collection

I was looking over my consumer report and noticed that this account looks weird to me ; the date opened, account type, status, payment history, last date of activity, etc. Moreover Ive never had a contract with Jefferson capital or XXXX. In fact, this account was removed previously after failure to verify the debt and somehow you are reporting it again on my consumer report without permissible purpose or any other authorized consent. I have already refused to pay this debt and asked you to cease & desist of such, but for some reason you are communicating with me again, through my consumer report regarding the same unverified debt that was sold to you from various different debt collectors. You have even failed to provide me with several adequate notices pursuant to the fdcpa. Delete this account immediately or risk litigation.
Product: Debt collection

In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX XXXX  surround this same period of time and was left in terrible condition after XXXX XXXX XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed out a Dispute letter to Experian the consumer reporting agency stating that there is inaccurate information reporting on my Consumer report starting with my personal information : I informed them that they were reporting my name WRONG as well as the WRONG addresses I also asked them to remove all addresses that are not mine and that I am not associated with that doesn't match with my identification that I also mailed to them with the Dispute letter. 
I have documented proof of the certified mail that I sent to Experian the credit reporting agency on XX/XX/2022 As of today XX/XX/2022 I have obtained an updated version of My Credit report and I noticed that they never made the necessary changes that I asked them to correct on XX/XX/2022 ARE STILL THERE'S NO CHANGE I also mailed the same letter to the other reporting agencies as well on the same day which was on XX/XX/2022 and The other reporting agencies corrected the personal information and address errors without issue and I have proof of that as well. 
It is only with Experian that I keep having continued issues with inaccurate/incorrect and WRONG information reporting on my credit report which has been affecting my credit and because of these errors/inaccuracies and WRONG information I have been denied numerous things because they're reporting the WRONG information on my report. 
BY LAW ALL XXXX CREDIT REPORTING AGENCIES ARE SUPPOSE TO REPORT ACCURATE AND CORRECT INFORMATION IF NOT THAT IS A VIOLATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called XXXX Equifax, and XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from XXXX, XX/XX/2021 from XXXX stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct reporting.
Product: Credit card or prepaid card

Ever since the renewal date of my XXXX XXXX Card in XX/XX/2018, I've lost all benefits that's advertised on the card including Free first checked bag, 10 % points back rebate, and other benefits. I've contacted Barclays by phone and secured message MULTIPLE TIMES in the past three months and they recognize the linkage error but blame it on XXXX. I've also spoken with XXXX even going as far as doing a conference call with Barclays together, and every time they said they'll fix it nothing has been done. Basically Barclays is supposed to pass the information to XXXX but Barclays never updated the system for me. I've lost many points back rebate due to this and had to pay baggage fee multiple times with me and my companions.
Product: Debt collection

Debt has been charged off or in collections. Original Creditor has taken a Tax Credit and debt has been paid sold to a collection agency in which the collection agency has not provided the chain of assignment.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX regarding the unlawful repossession of my vehicle, a XXXX XXXX XXXX, XXXX : XXXX, which occurred on XX/XX/XXXX. The repossession was carried out in violation of federal laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as my constitutional rights under the XXXX  and XXXX  Amendments. 

Violations of Federal Law XXXX. FDCPA Violations : - Under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations, including falsely implying affiliation with any state or federal agency. 
- Under 15 U.S.C. 1692f ( 6 ), debt collectors are forbidden from taking or threatening non-judicial action to effect dispossession or disablement of property without a present right of possession, intention, or where the property is exempt from such action. 
- The vehicle repossession was executed without any judicial order or enforceable security interest, rendering the action unlawful and deceptive under 15 U.S.C. 1692d and 1692e. 

XXXX. FCRA Violations : - As defined under 15 U.S.C. 1681a ( d ) ( 1 ), the unauthorized acquisition of my consumer report by running my license plate to assess my creditworthiness was a breach of privacy. Obtaining this report without my consent or a court order violates 15 U.S.C. 1681b ( a ) ( 2 ) and is punishable under 15 U.S.C. 1681q and 1681r. 

XXXX. Constitutional Violations : - The XXXX  Amendment protects against unlawful search and seizure. The seizure of my vehicle and access to my consumer report without a court order is a clear violation of my constitutional rights. 
- The XXXX Amendment guarantees due process before any deprivation of property. The seizure of my vehicle without due process and without just compensation for its intended public sale is a direct infringement of my rights. 

Requirements for XXXX XXXX companies are required by law to : - Display their XXXX License or provide their name, address, and phone number on both sides of their vehicle. 
- Provide the debtor with the name, address, and phone number of both the finance company and the repo company within XXXX hours of the repossession.
Product: Mortgage

I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate.
Product: Credit reporting

I applied online for my free credit report and after the several questions with multiple choice answers I was denied my online report.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, transunion, XXXX and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Account XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXXXXXX XXXXY Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clearly equifax did not throughly review any complaint I have filed because the credit reports are supposed to match all XXXX buearus XXXX saw the errors and immediately deleted I have provided proof below
Product: Credit reporting or other personal consumer reports

Set direct payment in order for Lexington Law to repair my credit score it never happened they just took my money nothing never happened
Product: Debt collection

The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.
Product: Credit card or prepaid card

My credit card was stolen on the evening of XX/XX/21. When I realized that the card was gone on the morning of XX/XX/21, I immediately called the bank and discovered that several fraudulent charges were made at stores I have never been to. I disputed the claims with the bank but then received notification roughly one week later that my claim was denied and I would therefore be held responsible for these charges, which total {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 45 days since my first complaint and still nothing. It's been 45 days since my first request and this company keeps reporting inaccurate information in my credit report.
Product: Mortgage

First issue is our XXXX tax bill was never paid, on XX/XX/XXXX they paid both our past due XXXX tax bill with our current tax bill for XXXX a total of {$2600.00}. Then on XX/XX/XXXX they paid our XXXX taxes AGAIN for a total of {$1300.00}! That duplicate XXXX tax payment needs to be refunded to our escrow account {$1300.00} ASAP! 
Next issue is we made our XXXX payment on XX/XX/XXXX for a total of {$1200.00}. Out of that payment {$670.00} should be applied to our escrow account. They SUBTRACTED {$670.00} from our escrow when it should be ADDED to our escrow! This payment of {$670.00} needs to also be refunded to our escrow account ASAP! 
We have had nothing but constant issues with Shellpoint mortgage ever since our mortgage was sold to them! They are awful and have terrible customer service! I wish we could get a new lender!