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

This is in addition to the complaint I submittedXX/XX/XXXX Experian recently completed the dispute investigation I submittedXX/XX/XXXX. Experian did not notify me the investigation was complete and I had to search on their website for the status. Experian is still refusing to remove fraudulent information from my credit report. I 've already told Experian that XXXX forged my signature on a forbearance request, the amount XXXX claims I owe is nowhere near the amount on the original contract ( {$14000.00} ), and XXXX charged off and closed the account in XX/XX/XXXX. ( the same time these tradelines should have fallen off my report ). XXXX reopened a closed account well after the statute of limitations expired by somehow applying forbearances and deferments without my knowledge or consent. I provided ALL supporting documentation to Experian which was sufficient evidence to remove ALL tradelines relating to XXXX. I provided the same information to XXXX and XXXX and they both removed the tradelines. Now, Experian is denying my right to dispute fraudulent and inaccurate information on my report! If ALL tradelines relating to XXXX are not removed from my credit report by XX/XX/XXXX, I will file suit against Experian for preventing and denying my right as a consumer to dispute fraudulent and inaccurate information, and for refusing to remove fraudulent and inaccurate information when the issue was first brought to their attention several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions.
Product: Mortgage

On XXXX XX/XX/2022, Freedom Mortgage Company sent a pay off statement to my Title Company which included my XXXX XX/XX/2022 balance. When forwarding the document over they failed to disclosed that if we did not close prior to XXXX XX/XX/2022, the account would be updated with a 30 day past due notice. They were advised on the intent to close on XXXX XX/XX/2022. On XXXX XX/XX/2022 the account was paid in full, however the company reported the account 30 days delinquent. During the closing of the loan, Freedom mortgage made no attempts to contact myself or the Title Company with questions about a " late payment '' or made any indication that a XXXX XX/XX/2022 date would present any issues. 

The company has a history of being misleading customers and mishandling their funds. In XX/XX/2022, the company used my escrow funds and paid property taxes for another parcel. As a result they charged me an additional {$500.00} a month for the month of XXXX, XXXX and XXXX to cover their mistake and mismanagement. In XX/XX/2022, I received the estimated property taxes for the following year and realized my escrow was incorrect. It was not until I called the company that they admitted to their mistake readjusted my payments and refunded the balance on my escrow. 

This company is not here to support veterans and quite often takes advantage of them. On a XXXX  page for officers, there was another veteran who experienced the same situation in regards to her property taxes. This needs to be investigated thoroughly, as they should not be allowed to take advantage of our VA benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following XXXX XXXXXXXX {$240.00} XXXX  XXXX {$360.00} XXXX Dot XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

XXXX XXXX
Product: Debt collection

Delta Management hav e been calling back to back each day until someone picks up.   Then they call an office phone repeatedly until the person is available The reps name is  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED TO THE CREDITOR THAT THIS ACCOUNT IS FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters and supporting evidence the wrong account was removed from my report and the fraudulent account still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website does not allow for court documents to be uploaded. I called about the issue and they said I had to either fax or mail the documents. I now have to pay to dispute harmful items reported by negligent lenders because they refused to accept the court documents.
Product: Debt collection

THE BALANCE WAS PAID OFF AT AN AGREED AMOUNT AND AGREEMENT IT WOULD BE REMOVED FROM MY CREDIT REPORT PER XXXX XXXX AND XXXX XXXX WITH XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest the erroneous reporting of fraudulent accounts on my credit report, which constitutes a clear breach of legal standards. Upon contacting the relevant financial institutions, it was confirmed that an error had indeed occurred. Additionally, these institutions assured me over the phone that the accounts would be promptly removed. Furthermore, XXXX and XXXX no longer report these accounts following my submission of the requisite FTC report. I am keen to understand the method of verification and investigation employed by your bureau to justify the continued reporting of these accounts. Your bureau is legally mandated to conduct a reasonable investigation of disputes. This investigation must be prompt and include a thorough review of all relevant information submitted by the consumer, such as myself. 

XXXX XXXX XXXX
Product: Credit reporting

I have a mortgage that was being reported to all  3  credit bureaus for since its opening in   XXXX   XXXX    , suddenly my positive mortgage payments now stated mortgage paid and account closed which caused a significant drop in my score. However my mortgage was not paid off and I am still paying my mortgage but nothing is reflecting on my Equifax credit report but is showing up on   XXXX   and  XXXX  I  have contacted my mortgage company and Equifax numerous time and my mortgage company assures me they are reporting correctly and even provided a certified letter as proof and for me to submit to Equifax. However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my mortgage company   XXXX   XXXX   is even asking them to do. I have a valid, pays as agreed account that the mortgage company says should be reported to Equifax as it being done with the other  two  bureaus and Equifax is refusing to do so, even with calls from my mortgage company and submitted written documentation. No one ever authorized any change or submitted any proof of payoff. When I talked with an Equfax rep they said it was updated to that and then removed because a dispute was not responded too, however my dispute was only regarding the balance because my account wasnt updating to show monthly payments and was always months behind. I can not get any assistance and not only did this make my score drop by almost  40  points when it was removed, the positive payment history is not there to even improve my credit rating. I need help badly with getting Equifax to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and late closed that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and late closed, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Things are on my credit that should not be on there with Experian and XXXX. I also have a police report I will add my police report # : incident Submission Number XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX I mailed Cease and Desist letter to Regional Finance as I am no longer able to make monthly payments. The calls stopped for a couple of months, but Regional began calling again in XXXX XXXX XXXX to three times a week sometimes twice a day.
Product: Money transfer, virtual currency, or money service

Trying to link my account up with XXXX XXXX and Golden1 credit union is not partnered and can not be verified.
Product: Money transfer, virtual currency, or money service

I deposited A XXXX transfer from my checking account for {$200.00} on XX/XX/2021 on the same day there was a fraudulent charge for {$270.00} at the XXXX hotel in XXXX XXXX and their office is in XXXX XXXX. Im pretty sure someone clone my car and used it because it was brand new and I only added it to their app for payment so far. But they will not give me access to my {$200.00} that I deposited in the savings account Im trying to transfer it back to my checking and they wont let me they also approve me for loans and then disapprove me for no reason at all except that I probably paid off the loan too fast. I want a full refund and access to my money I would like the loans I was promised for 4 more loans for {$500.00} and 0 % interest but Im the most concerned about having my money back in my checking account. Ive emailed them and called they just hang up on you and there email address replys with this address is not monitored. Their emails literally read out like a child wrote them they say that I stopped the transfer and that I need to talk to me its almost a joke but I want all my money refunded and back in my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft BBY/CBNA Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report
Product: Debt collection

A cable company we had 6 years ago that was paid in full before moving ... all of a sudden without any contact in 6 years decides to send us a collection letter for {$1500.00} ( right after we buy a house ) the collection company is a well know FRAUD/SCAM collection company and this bill from XX/XX/XXXX was only first reported in XX/XX/XXXX out of the blue and to only one of the 3 Credit Bureas too ... this is fraud and I want it removed from my credit report.

The company is AFNI
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} - Late/Open XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$58000.00} - Late/Open XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXXXXXX  Late/Closed XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXXXXXX  Late/Closed XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

I saw this account come up in my credit report for a XXXX that I never have had, never. I tried to dispute it and it came back as a legitimate account which can't be possible because I have never had a card with them ever. I need this off of my credit report, it's doing great damage to my score.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I do no know the origin of this loan as when I contact Navient they state they have no record of me at all. However I have two charge offs my credit report in which I disputed and they reaffirmed as XX/XX/2022. How can you re affirm a debt you can not prove the orgin of? I am trying VERY diligently to purchase a home and this is standing in the way of me having a stable place to live. I need these two negative items removed from my XXXX credit report so I can have a home.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actthe accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under Violation of 15 USC 1681c-2 Block of information resulting from identity theft Violation of 15 USC 1681- Congressional findings and statement of purpose Violation of 15 USC 6801 - Protection of nonpublic personal information Violation of 12 CFR 332.4 - Initial privacy notice to consumer required Violation of 15 USC 1681 - Procedure in case of dispute accuracy Violation of 15 USC 1681n - Civil liability for willful noncompliance Violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance Violation of 15 U.S. Code 16810 - Civil liability for negligent noncompliance Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies Violation of 15 U.S. Code 1691e - Civil liability Violation of 15 U.S. Code 1692e - False or misleading representations Violation of 15 U.S. Code 1692d - Harassment or abuse Violation of 15 U.S. Code 1692f - Unfair practices Violation of 15 U.S. Code 1692c - Communication in connection with debt collection Violation of 15 U.S. Code 1681q - Obtaining information under false pretenses Violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 U.S. Code 1666b - Timing of payments Violation of 15 U.S. Code 1681e - Compliance procedures XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$620.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$15000.00} here accounts listed are in violation of my federally protected rights.
Product: Debt collection

XXXX Receiving repeated calls regarding a debt owed was even yelled at by caller.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an unauthorized credit inquiry made by your company, which I discovered while reviewing my personal credit report. The inquiry in question was made without my consent or authorization, and I did not authorize anyone employed by your company to access or view my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), you are prohibited from obtaining a credit report unless the consumer has granted permission through an express, signed authorization. Your companys failure to obtain my written consent or valid permission prior to conducting this inquiry constitutes a violation of the FCRA, infringing upon my privacy rights as a consumer.

This is a serious violation of my rights under the FCRA and other related privacy laws, such as the Privacy Act of 1974 and the Electronic Privacy Communications Act ( EPCA ). Unauthorized inquiries represent a breach of the statutory protections afforded to consumers by the federal government. 

Given this situation, I am requesting that you provide me with a copy of the signed authorization form that granted you the right to access my credit report. Please send this document to the address listed above within five ( 5 ) business days.

If you can not provide proof of my authorization for the credit report inquiry, I demand that you immediately notify the credit bureaus to remove this unauthorized inquiry from my credit report. Additionally, I request that you remove all of my personal information from your records.

Please respond in writing to confirm that you have complied with my request. Should you fail to provide evidence of authorization or fail to remove the unauthorized inquiry within the requested timeframe, I will pursue all available legal remedies, including seeking statutory damages, punitive damages, and reasonable attorney fees under 15 U.S.C. 1681n.