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

I requested by letter for XXXX, XXXX and Equifax to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from XXXX and Equifax by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case XXXX has reported XXXX  payments being missed. While Equifax reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the OAG office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the OAG office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, XXXX XXXX and Equifax received the information I was told at the OAG office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breech victim and fighting to have negative items removed. Please hold XXXX, equifax and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

I just made a {$1000.00} payment on my credit card balance of {$3000.00}. Two days after making that payment to my credit card company I get an email that my limit has been decreased. I make substantial payments on all of my credit cards at the same time and this is the only company that lowered my credit limit immediately after. Since 2012 when I opened the account I only made the minimum required and maybe a few dollars more but not a {$1000.00} more. 
Now by them lowering my limit is showing me over the limit after making a {$1000.00} payment to this account. 
I'm trying to oncrease my credit score and this credit card company lowered my score before dubmitting my new balance to the credit bureau. 
I called and asked why they lowered my limit. I was yold based on the credit bureau report. If that's true then the credit bureau gave themXX/XX/XXXXs information whenXX/XX/XXXX was sent by all of my credit card companies. 
If they had used my XXXX payment information my credit limit would have gone up or stayed the same because all of my credit card companies were paid off or pay down to half or a third of the balances. This is how credit bureau 's stay in business by reporting out dated information to credit card companies and this is one way credit card make money off of cardholders by getting over the limit fees that they created.

Before I made my {$1000.00} payment I was nit over my limit and now that I made my big payment I'm over the limit and that's because they lower mu limit right after I made that payment to better my score and to payoff my debts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 EQ XXXX XXXX XX/XX/2023 XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I paid the debt of XXXX to Hunter Warfield on XX/XX/2019. They are reporting inaccurate debt that I no longer have, they will not return my calls as I have tried to reach them countless times. This paid debt that theyre still trying to collect is keeping me from getting an apartment. Please help. I have receipt showing I paid.
Product: Debt collection

Im receiving notices from client services that I do not feel I owe. I would like a validation of this bill that they claim I owe. I am retired and on sis and would like to stop being bothered.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost urgency and frustration regarding a matter that demands immediate attention. Despite my persistent efforts to resolve the issue, fraudulent account persist on my credit report, which is an egregious violation of my consumer rights and can not be tolerated any longer. 

XXXX XXXX XXXX  XXXX 

Your repeated failure to address this situation is not only unacceptable but also deeply troubling. This fraudulent account is tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, your bureau 's negligence only exacerbates the severity of the situation. 

I demand urgent action from your bureau to cease reporting these fraudulent account on my credit file. Your inability or unwillingness to do so reflects a blatant disregard for your duty and the law. It is evident that the current practices of your bureau are inadequate and must be rectified immediately. 

Moreover, I expect a written response from your bureau within the next five business days, confirming the removal of this fraudulent account from my credit report. Additionally, I require comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : if this demands is not promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm caused to my financial well-being.
Product: Debt collection

A company by the name of DRS has been texting and calling my mother and my sister on their own personal phones, and have also called my employer and I am not allowed phone calls at my job. The text they send my mother and sister is : Important Private Notice. XXXX XXXX call XXXX or XXXX XXXX XXXX  XXXX XXXX : XXXX & XXXX. When they call and my sister & mother answer and clearly tell them that the number theyre calling is not mine and has NEVER been my number they quickly hang up and call back the next day. The most recent date of contact for my mother and sister was today XX/XX/2019 and the first date of contact was in XX/XX/2019. I called them personally back in XX/XX/2019 and told them to stop calling me at my job as I was not allowed to receive phone calls. They did eventually stop so I believe. But now theyve moved onto contacting and harassing my family members. They said threading things like they were going to send police officers to their house to arrest them for not telling me them my exact where about so they could have me arrested. And my neighbor said she saw what looked like oddly dressed police officers at my door and when I called the local and state police department they have no record of anything and swore to me no officers were ever sent out to my house, not that day not EVER. So now Im extremely concerned for the safety of myself and my family members most of whom live thousands of miles away from me. I dont even know who this company is claiming to be collecting for and they call from a VOIP number so there is no way of betting any information on them. I have 2 recorded phone numbers that they call from, which I was able to reach them on by calling one of them back.
Product: Checking or savings account

On XX/XX/2023, I received a notification that my account was closed. I never received a notice from the bank stating why it was closed. I contacted the bank on the same day to find out why my account was closed, and the representative stated my account was closed due to suspicious activity which is completely inaccurate. I've never made any suspicious transactions on my account. My account had over XXXX at the time of closure. 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

The debt collector XXXX ( FOCUS RECEIVABLES MANAGEMENT ) put in my XXXX and XXXX credit report a debt collection for {$560.00} from XXXX. I dispute the collection in XXXX and XXXX for the reason that I've never had any service from such a company neither requested any service at all. XXXX investigated and delete the derogatory mark but XXXX still there. I search for XXXX ( FOCUS RECEIVABLES MANAGEMENT ) online to verify the authenticity of such a company but they don't have any website. In the XXXX XXXX XXXX, this company has a D- and it's no accredited by XXXX ( link Below ). 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from what was supposed to be Coinbase stating that my account was disabled and that I needed to verify my identity. Once I clicked the link and verified my identity, I proceeded back the app to see that all of my funds in the account were gone. Approximately {$2000.00} was cleared from my coinbase/coinbase pro account. 
I called to speak with a customer service representative on XX/XX/XXXX, and which they stated they were not responsible and could not get my funds back. As if they weren't going to even investigate it.
Product: Mortgage

We were supposed to get an escrow refund check in XXXX or XXXX. At first I thought I might have thrown it away as we appeared to never have gotten it. We requested it another we were very cautious to make sure we didnt throw any mail carelessly but never received the second. I then asked if it could be sent electronically. They gave me instructions on how to enroll however it didnt work. According to them there is a known website issue. So then I requested it be sent via a service that could be tracked. They said it would be here Friday XX/XX/2021. I asked for the tracking info and they indicated on XXXX it has not been sent yet. I believe PennyMac is acting in bad faith and trying not to provide me our escrow refund.
Product: Debt collection

I called Credit Acceptance to check on my account, because we made an agreement, saying that if I paid {$370.00} on time for 7 straight months that they would remove all the late payments off of my account. XX/XX/2022 I talked to an employee that said they couldn't remove it off my account and stated, '' we have to make a pay arrangement on your account so that the call agency can stop calling your phone. " So, for these past couple months I have been getting calls every day from them and I'm tired of being harass, when I'm paying them every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take the XXXX XXXX account off my consumer report its not suppose to be shared let alone displayed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to get XXXX  and XXXX to correct my birthdate, but it still hasn't been corrected! Transunion I'd reporting it correctly. My birthday is XX/XX/XXXX. 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Product: Mortgage

In XXXX of XXXX, I was approved for a loan mod with my servicer at the time, XXXX XXXX, and had to complete a 3 month XXXX, XXXX. I completed the trial plan on time. My loan had a mod start date of XX/XX/XXXX, however, my loan transferred servicers to Rushmore loan on XX/XX/XXXX. I did not receive my final loan documents from XXXX XXXX. I called my new servicer, Rushmore loan in XX/XX/XXXX to discuss that I have not received my final loan documents yet. They stated there is a delay due to the transfer of my loan and the documents will be sent out shortly. In XX/XX/XXXX, I called Rushmore and spoke with a rep that I have not received my loan documents still. The rep advised me that they are working on them. On XX/XX/XXXX, I received an email from Rushmore to view loan mod documents via a online site. I reviewed the documents, however the loan terms were not correct. I called Rushmore, escalated my call to supervisor, once I got in contact with a supervisor, I explained that the terms on the documents were incorrect. They advised me that they would review and get back to me. After a few weeks passed, I had not heard back regarding the matter. I called Rushmore in XXXX of XXXX, had my call escalated to a supervisor, and once I got in contact with a supervisor, I explained my situation with my loan mod. The supervisor stated that they would look into the matter and make any corrections if needed and requested I send rushmore my XXXX  letter. I did not hear back from Rushmore until XX/XX/XXXX, where I spoke to a rep. The rep stated that new documents had been created on XX/XX/XXXX, and the terms had been corrected. However, I stated that I was not aware of these new documents, I was not advised that new documents had been created, and that I did not receive any new documents. The rep advised they would mail me a set of the new documents. I received the corrected loan mod documents. I then called Rushmore to discuss the documents that I received, I spoke with a rep who advised me the loan had been denied and review closed. I never received a denial letter regarding this decision, and I was not given the proper time to review and return the documents before Rushmore improperly denied me. The documents were created on XX/XX/XXXX, never advised me of these documents, got sent to me more than 30 days later, and once received, I was denied my loan mod because I didn't return the documents back in time.The servicer was six months late with generating the correct documents to sign. I never received the documents in time and was denied because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Capital One Inquiry Date : XX/XX/XXXXXXXX  Capital One Auto Fin Inquiry Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked all 3 credit bureaus to investigate account XXXXXXXX XXXX XXXX XXXXXXXX # XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Negative Markings from My Credit Report Dear LVNV Funding LLC , I hope this letter finds you well. I am writing to formally request the immediate removal of any negative markings associated with my accounts from my credit report.

It is important to note that the current negative reports are not reflective of my current financial standing and may be harming my creditworthiness unjustly. As a consumer, I am entitled to have only accurate and up-to-date information reported to credit bureaus. Therefore, I kindly ask that you review my account and initiate the removal of any adverse entries. 
Please confirm receipt of this request and provide written confirmation when the necessary corrections have been made. If further documentation is required to process this request, do not hesitate to inform me. 
Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to Truist Bank 's claim regarding complaint ID # XXXX. The bank stated that they sent their response directly to me, but to date, I have not received any such correspondence. I initially submitted this complaint via the CFPB platform and, therefore, respectfully request that Truist Bank provide their response directly through the CFPB portal to ensure a documented paper trail. This documentation will be essential if this matter escalates to legal proceedings. 

Since my last dispute, I have identified new inaccuracies on my credit report regarding the account ending in XXXX : The payment history associated with this account continues to be incorrect. In addition, the Date Last Active is reported inaccurately. The XXXX is a critical factor in determining the removal eligibility of this account from my credit report, and inconsistencies in this information are both misleading and alarming. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), and as a consumer, I am entitled to pursue damages of {$1000.00} per violation. However, at this time, I am simply requesting the removal of the account ending in XXXX from my credit report to resolve this matter amicably.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : Bankruptcy 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  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Mortgage

XXXX XXXX XXXX or a company acting like XXXX XXXX XXXX has recorded an Assignment of Deed as well as a Notice of Default and a Notice of Sale. on my property. 
I am not sure XXXX XXXX XXXX would this ; because I have a statement from them indicating that the do not own my property. 
Can you help extend the sale date so I can take proper action. 
Attached is the letter from XXXX XXXX XXXX My wife was the borrower ; she passed away on XX/XX/2016. 
I am the surviving widow filling out this complaint
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.