23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following inquiries on my reports are unauthorized and not mine : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I received a notice on my credit report stating that I owe {$1000.00} to XXXX XXXX, a company based in Texas. I live in Illinois and have never lived outside of Illinois. I disputed it with XXXX and they removed in from my credit report without a problem, because *literally everything in my name that is registered to me* is registered Illinois. Anyone with half a brain would be able to figure out that this bill isn't mine after looking at everything else on my credit report. 

This same energy bill for {$1000.00} had recently popped up on my Experian report. I disputed it with the same argument, but " after they had done their research, '' they claim that the report is accurate. I had disputed it with Experian again suggesting they get it removed before I take further action, and they still seem to believe someone who has never lived outside the state of Illinois would have an energy bill in Texas. 

So, before I take further steps to file an identity theft claim and just simply not pay this bill that is very obviously not mine, I would like to have it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Credit card was reporting negative information and proof was supplied that it was mine credit one is the company name
Product: Checking or savings account

SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.
Product: Debt collection

At some point I may have had a collection with sprint but its been years since then and it was paid and closed. Now I checked my credit report and it has XXXX collection from Jefferson Capital system for XXXX and have no recollection of debt. Opened date is saying XX/XX/2023 original creditor XXXX XXXX. I did some research and found XXXX of reviews stating the same thing. This company is opening collections years later thinking consumers wont see it. This collection agency is shady and Im just trying to work on my credit. I just looked at all of my closed accounts in the past and none of them are sprint so Im assuming this could just be identity theft but this company sounds shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called XXXX  have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...
Product: Credit reporting or other personal consumer reports

XXXX knowingly hid dispute results from consumers
Product: Credit reporting

I have discovered several accounts that did not belong to me and I would like them removed from my report.
Product: Debt collection

Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties BSI FINANCIAL SERVICES and XXXX XXXX and no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the Equifax and XXXX records are still reflecting a {$2500.00} balance owed. I contacted XXXX  to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Product: Payday loan, title loan, or personal loan

Greensky has close to {$90000.00} of money that they owe us in a " reserve '' account that they have had for over a year. They will not tell us when this will be released and how we can get these funds. We have a mutual customer that is trying to payoff their loan with Greensky but they are trying to make us send them more cash when they already have a significant amount of money that they owe us. Because of this our customer is not able to pay off his loan and Greensky will not respond with a fair solution.
Product: Debt collection

On XXXX I mailed CMRE a demand for validation for an account they had reported on my credit report. The company has failed to provide me validation of the account and perplexingly replied and asked that I was responsible for providing you with more information and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( Credit Acceptance ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( Credit Acceptance ) of any sort. 

In regards to The company ( Credit Acceptance ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( Credit Acceptance ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Mortgage

On XX/XX/XXXX, I filed two complaints with CFPB, one against Ditech Financial, and the other against XXXX XXXX, the mortgage company Ditech transferred my loan to. 

In that XX/XX/XXXX complaint against Ditech, I supplied the mortgage payment history from my bank to Ditech including all months after I had been approved for a Modification ad brought current. 

Ditech responded XX/XX/XXXX with their record of my payment history ( Attachment A ) Unfortunately Ditech 's record is incorrect. In their payment history, they have missed a payment made in te first month of my becoming Current. That payment was made XX/XX/XXXX. By missing this payment, Ditech 's payment history is off one month from it's inception. 

I am resubmitting the payment history with the request that Ditech correct their records, nd report the error to XXXX so that their records can also be corrected
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX credit reporting bureaus to investigate XXXX accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single XXXX of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> {$4600.00} XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following XXXX XXXX
Product: Mortgage

Select Portfolio Servicing, Inc. sent me a letter dated XX/XX/2020, stating that they were setting up an escrow account for insurance and/or taxes. They did not specify what the impound account is for, but the amount is consistent with homeowner 's insurance. I contacted them twice by U.S. mail and included documents proving that my payments for insurance and taxes are current. They have not responded, and they continue to bill me for an extra {$59.00} per month for their escrow account, even though they assured my XXXX insurance agent that they do not have an escrow account attached to my mortgage. I tried to pay my monthly mortgage payment on the Select Portfolio website today, but I can not do so without paying that extra {$59.00} for their unlawful escrow account. Select Portfolio has repeatedly tried to foreclose on my home in the past 5 years by falsely claiming that I did not make my monthly payments, and I have proof that I did make those payments. Now they are billing me for an escrow account to which they are not entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report, which I believe to be inaccurate and unverified. In accordance with 15 USC 1692g, I request that this item be removed or corrected unless the debt can be fully validated. 

The account in question is as follows : XXXX XXXXAccount Number : Unknown Creditor Name XXXX XXXX XXXX XXXX XXXX As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. Until such time that the debt is fully validated, I request that all collection activities related to this debt cease and that this unverified debt be removed from my credit report. 

Please provide me with the following information to verify the debt : 1. The original creditors name and address.

2. A detailed explanation of the debt, including proof of its validity.

3. Documentation that the debt is mine and that it is reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On several occasions I tried to resolved this issue with Ammericollect XX/XX/2023 filed with CFPB written notification about debt.

XX/XX/2023 filed with the CFPB about attempts to collect debt not owed. 
and on XX/XX/2023 Filed with CFPB false statements or representation Account number XXXX has so many inaccuracies I'm concerned which information is correct. 
I want it removed off of all 3 Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. - 15 U.S.C 1681 section 602 A. States I have a right to privacy. - 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote and mailed Transunion to initiate a dispute with Transunion because they are publishing information in my consumer file which are transactions that were originated from my credit card. According to the Fair Credit Reporting Act, these transactions are supposed to be excluded. I hand wrote these letters and sent them certified mail with proof of delivery and have attached them to this complaint. Today, XX/XX/XXXX, I received a communication in the mail from Transunion alleging that I did not sent this dispute. This communication from Transunion is not in accordance with the Fair Credit Reporting Act. This response is offensive and absolutely unacceptable. Transunions response has no legal merit and upon further research is apparently something the credit bureaus to regularly. I have attached a copy of their response as well as my dispute. I have also induced an article from the Consumer Financial Protection Bureau ( YOU ) regarding the bureaus making a common practice of ignoring consumers disputes. My rights have been violated and not Transunion is discriminating against me while continuing to fraudulently publish information which should be excluded from a consumer report. Please do something as this egregious violation of my privacy and rights is impeding me from obtaining housing for my children and I. I did not consult a credit repair company to fix my credit and I swear under penalty of perjury I wrote and mailed those letters. Transunion criminal activity is directly defaming my character, engaging in fraud, and desriminating against me for asserting my rights. The Consumer Financial Protection Bureau is supposed to protect me, so do your job and help me.
Product: Credit reporting or other personal consumer reports

I am filing this dispute due to serious violations of federal and state privacy laws by OneMain, including the Gramm-Leach-Bliley Act ( GLBA ) and the NJ Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ). OneMain shared my sensitive financial information with third parties, such as credit reporting agencies, without my knowledge, consent, or written authorization. This unauthorized reporting constitutes identity theft as defined by the FTCs identity theft guidelines and violates the permissible purpose standards under the Fair Credit Reporting Act ( FCRA ), which require proper authorization before reporting any account to credit agencies. By failing to offer me an opt-out option or obtain written consent, OneMain breached its obligations under the GLBA, which mandates safeguarding consumer privacy. This negligence has caused substantial harm to my financial reputation and peace of mind. The fraudulent account on my credit report misrepresents my financial behavior and has resulted in credit denials, higher interest rates, and emotional distress. Despite my multiple disputes, OneMain has failed to correct or delete the inaccurate account, demonstrating a pattern of willful noncompliance under 15 U.S.C. 1681n. Each day this issue persists worsens the damage to my creditworthiness and financial stability. I am requesting the immediate removal of this fraudulent account and written confirmation of its deletion. Additionally, I demand that OneMain implement measures to ensure that my personal financial information is not shared without proper consent in the future. If the matter is not resolved promptly, I will escalate this complaint through legal and regulatory channels and seek damages for the harm caused. I urge the CFPB to investigate OneMains handling of this issue and enforce corrective action in accordance with the law. Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Experian fraudulent crooked company has closed XXXX complaints before XXXX and THEY DID NOTHING as usual And requested this complaint will be XXXX XXXX. AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello This is not necessarily a complaint. But more of a request for a good will gester. I appeciate capital one and everything they have done for me. My family has been with capital one for several years, This was my very first card. Im trying to get my life back on track. I noticed that when i reviewed my credit report. I noticed that my Capital one savor card acct # XXXX has a late remark reportin XX/XX/year> im requesting that you guys please remove the remark as a courtesy. Im preparing to purchasing my home, and this derogratory remark has had quite the affect on me.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and falling to adequate notify consumer of dispute outcomes. These failure aligns with my experience, where XXXX has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to credit report. I already filed for identity theft cause of all these false inquiries and fraudulent credit cards and other fraudulent accounts on my credit report. Im requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer.