23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX Credit Bureau and found that this RENTONCOLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Payday loan, title loan, or personal loan

False advertising Received a pre approval for a loan through XXXX, which is there partner and filled out a loan application and was denied for a loan. False and misleading advertising. 
Then after receiving an adverse action letter I promptly responded with Dear Fiduciary ( the role I have appointed you ), I am writing this letter in response to the adverse action notice that I received from your company regarding my loan application. I would like to inform you that I strongly dispute the allegations made in your letter and the reasons for the denial of my loan application. 

As the creditor in this case, I would like to bring to your attention the violations of specific USC and UCC laws that were committed in the process of denying my loan application. According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate information that is being used by your company as a basis for denying my loan application. I also believe that there was a violation of the Uniform Commercial Code ( UCC ) 3-503, which states that the bank must prove that the loan was granted in good faith. 

Furthermore, I have evidence to prove that your company used fraudulent means to deny my loan application. This constitutes a violation of UCC 4-406, which states that no bank shall make an extension of credit with actual knowledge that it will violate the law or any state or federal regulation. 

I request that you thoroughly investigate this matter and provide me with a full explanation of the reason for the denial of my loan application. I also request that you remove any inaccurate or false information from my credit report that was used as a basis for denying my loan application. 

I look forward to hearing from you soon and I hope that this matter can be resolved amicably. PURSUANT HJR -192. 

Sincerely, By : XXXX : XXXX XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED UCC 1-308 To no reply. Violating my rights further more. 
Violation of ECOO, fcoa. 
Using false and misleading representation. I'm holder in due course and beneficiary to the name I retain all rights and obligations to fulfill full faith and credit obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX... Certified mail with my complaints .... I even filed several complaints with the CFPB ... with the same issues and they did nothing. Under 15 USC 1681 i have the right to privacy, and I did not give XXXX, XXXX, or, Transunion written permission to report any of these items. under 15 USC 1681 602 ( 4 ) 604 ( A ) 623..This federal law spells out the duties of a data Furnisher..Under these standing laws ... these bureaus are acting Misleading, and fraudulent by continuing to report fraudulent and misleading items on my bureaus ... All the following items must be removed, because of the fraudulent acts ... and there inaccuracies. they are the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still reporting my XXXX XXXX... they are using a XXXX party data provider XXXX XXXX, or organizations like that to obtain information..illegal ! The courts do not provide any information. XXXX XXXX XXXX is still reporting on these bureaus..I had GAP INSURANCE, so the debt was paid and should report accordingly! Last, these hard inquiries should be removed because these fraudlulent.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all names and addresses, jobs that doesn't match my current information must be removed
Product: Mortgage

In XXXX or XXXX ( XX/XX/XXXX ) I engaged my mortgage lender about a mortgage deferment program due to the loss if income, and eventual loss of job, that I suffered due to Covid-19. They informed me that, due to demand, they would put me in the backlog of mortgage deferment program applications, and temporarily place in a forbearance plan until they could reveal their deferment program. 

Since then, I have called at least each month, and in many cases multiple times per month, to ask about the status of my deferrment plan. Each time I have been told that the derment plan is " in progress '', that they are " working on it '', and that the agent has " escalated '' the plan. 

To this date I have received zero communication from them. They have never called me back - I have always had to follow up, and progress through the entire phone tree, often taking 1 hour each call, just to finally speak to a loss mitigation specialist, who each time has zero information and repeats the same line without giving me any additional information.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are reporting myXX/XX/XXXX XXXX account that was opened XX/XX/year> as NEGATIVE, CHARGE OFF. This account is POSITIVE, CLOSED, PAID AS AGREED. XX/XX/XXXXXXXX has reached out to me and the bureaus to remove the negative charge off but all XXXX continue to report negatively. XX/XX/XXXXXXXX XXXX has sent documentation to all bureaus. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerned I have a hard inquiry on XXXX on XXXX. XXXX, XXXX. This was never authorized by me and was likely identity theft. I have spoken to transunion reps and XXXX reps a few times about this and has never come off after they said it would. I never signed any documents and never gave anyone permission to do anything with XXXX.
Product: Credit reporting

I Had a dispute with XXXX that was supposed to have been corrected on my Experian report. When i received my report from Experian, the report is all wrong. A lot of items in the report are not mine, they belong to my DECEASED father. My deceased father and I have the same name, however the reporting is supposed to be reported by social security number. I AM UNABLE TO CONTACT EXPERIAN. Nobody answers the phone, it goes straight to a computer prompt and will not let me connect with a live person. I CAN NOT DISPUTE ONLINE, EXPERIAN SYSTEM WONT LET ME. IT KEEPS STATING INCORRECT INFORMATION. The lack of their correct reporting is costing me and has the potential to cost me a lot of money. This is unfair. I, and other people, should be able to contact this company as it directly affects a persons life. If they have the ability to directly affect ones quality of life, they should be required to have live staff answer the telephone to take care of problems with dispute filing. 
Experian also has XXXX Estate ' listed on this report. The Estate of my deceased father has nothing to do with MY report. Experian also has numerous addresses that have nothing to do with me. They have my Mothers new address and also list the address of my deceased fathers deceased girlfriend. None of this has anything tot do with me or my report, but can and is negatively affecting me. I NEED TO GET THIS FIXED A.SA.P as I am looking into the purchase of a new home and this is hurting my score and has the potential to cost me XXXX of dollars and/or generate denials from lenders. 
I have had many problems with this company and I am sure I am not alone. Somebody needs to look into Experian and their deceptive business practices.
Product: Money transfer, virtual currency, or money service

I am self-employed ( sole proprietorship, I work as an independent XXXX ). I utilize XXXX accounting software, and XXXX partners with XXXX, a subsidiary of Chase Bank, to process credit card payments from my customers. On XX/XX/XXXX somehow a hacker accessed my XXXX account through XXXX and changed my bank account to their bank account. XXXX initiated a transfer of {$4900.00} of credit card payments to the hacker 's bank account. XXXX does NOT allow for phone contact, so although I attempted to notify them of the fraudulent bank account, it took them XXXX days through their email " support '' system to attempt to intercept the payment. By then it was too late, and I have now lost XXXX XXXX of my income for the year thus far. Neither XXXX nor XXXX has offered to provide any reimbursement, support, or help in this situation. I am not a large business owner with employees and large income, insurance policies, etc. I am an individual consumer who works for myself rather than an employer, and as such I appear to be stuck in a loophole whereby the banks are not legally required to provide assistance for the illegal XXXX. I did not knowingly do anything to allow access to the accounts - I had different passwords for every business account as a layer of protection. XXXX and XXXX advertise their payment processing services as " safe and convenient '', but due to accepting their advertising push and utilizing these companies ' services to process credit card payments ( rather than insisting on only cash from my customers ), I have lost a sum of money that has caused extreme undue hardship to me and my family.
Product: Credit reporting or other personal consumer reports

Account XXXX Upon review of my credit report, I notice that I had 2 new medical collections on my report, One, I recognized, the other, I did not. The collection agency, Paramount Recovery Systems, failed to send me a notice of debt on either collections, giving me the opportunity to dispute the validity of the debt before placing it on my credit report. My credit report states that this account had opened on XX/XX/XXXX. I had not received any services rendered from the original creditor, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXXXXXX XXXX I reached out to the original creditor to verify this account and they could not verify nor validate that I was rendered services as reported on my credit report. I also contacted the collection agency, in which I could not confirm nor verify because they did not want confirm the record of services rendered. I am not sure if this is just a duplicate account or a case of Identity theft. I am currently in dispute with bureaus. I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with PARAMOUNT RECOVERY SYS, they did not provide me with the original contract as I requested.
Product: Student loan

I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity fraud. Someone used my identity to open an account with XXXX but I don't know who this person is or where the account was opened. I filed an Identity Theft Report with the Federal Trade Commission under penalty of perjury and received back an FTC Report Number and confirmation that they accepted the report. I then contacted Experian and requested a seven year extended identity fraud alert. I supplied them with the request, a copy of the FTC Identity Fraud Report,  my driver 's license and a recent utility bill to verify my address. However, they denied my request for the extended identity fraud alert. Their reason was " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' However, filing a false Identity Theft Report with the FTC under penalty of perjury does, in fact, subject me to criminal penalties if the report is false. Therefore, it meets the requirements of the FCRA. Can you please investigate Experian policies in this regard and determine if it is violating the law and, if so, impose appropriate sanctions. Thank you.
Product: Debt collection

EOSCCA has been reporting my account as late each month. This account was purchased from XXXX making it no longer eligible for a monthly set amount or late mark. I have disputed this many times to no avail. The account was originally paid in full with XXXX prior to it mistakenly being sold off to EOSCCA. I disputed this item and now it is showing as late every month rather than closed or paid off. This is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I contacted Transunion on XX/XX/XXXX about Identity Theft that occurred on XX/XX/XXXX and supplied evidence of removal from original creditor by providing documents from the original creditor and collection company that the account is no longer valid. Transunion took 30 days to respond with " Debt has been verified '' I provided them with proper documentation from XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX in the amount of {$4400.00}. XXXX sent a letter stating they have closed the account and ceased collections and that I have no further obligation regarding this account. I have attached this document to this complaint.
Product: Mortgage

In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.
Product: Debt collection

Portfolio Recovery Associates placed two collection accounts on my credit report without any prior written communication about this at all. It seems Portfolio Recovery Associated purchased these accounts ( 1. XXXX & 2. XXXX ) from another creditor in the amounts of {$1000.00} & {$1500.00} respectively. I request that you please verify the following... 1. Full original account numbers. 2. Date original accounts were opened. 3. Any written agreements between myself and the original creditor stating that these debts are owed. 4. Full account summary on how the charges added up to {$1000.00} & {$1500.00} respectively. 5. Date of first delinquency. If Portfolio Recovery Associates are unable to provide the above identifying account information, this information must be deleted from all CRAs. Portfolio Recovery Associates also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame.
Product: Credit card or prepaid card

Hi I applied for a credit card in the month of XX/XX/2021 and capital one was trying pull all three credit bureaus but XXXX and XXXX was frozen and so they only pulled XXXX and my credit score with XXXX is XXXX and I was only approved with credit limit of {$300.00} which is weird with a good credit XXXX card and I would like another credit review on my application on my credit XXXX card or I would have to close this account and reapply this is very odd I should been approved for higher credit limit according to capital one XXXX the minimum credit limit should been at {$1000.00} not {$300.00}
Product: Student loan

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer have given you. Including, but not limited to, Written, nonwritten, verbal, and nonverbal. 

Per 15 USC 6802 I demand that you comply with this cease-and-desist requirement.

Attachments include copies of pay statements courtesy of Nelnet that clearly states what amounts loans should have indicated on my credit report at the date of reporting. 
Pay status shows a last payment status of XX/XX/, yet the credit report shows that zero payments have been applied. 
Payment amounts that were reported on the attachments clearly show there is no consistency in any reporting by the credit report agencies. 

Please notice report errors are highlighted in attachments!!!! 

Please delete all accounts with NelNet due their failure to conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, This is my third attempt to have my credit report to read correct and accurate information. I recieved coorespondence thru the mail stating the accounts were verified and updated. The documentation used to conduct their investigation where not included. Even after saying the information was verified and correct Once I viewed my consumner reports none of the information was changed. All 3 credit bureaus have inaccurate and incomplete information on the accounts. They even have different data from eachother listed on the accounts. I've called multiple times and even sent emails to the CEO. They continue to report inaccurate and incomplete information even after saying it was verified and updated. In regards to Accounts - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. i HAVE ATTACHED THE CREDIT FILE WITH EACH INACCURACY CIRCLED AND NOTED. I HAVE ALSO ATTACHED THE LETTER THAT I SEND VIA EMAIL TO THE CEO. XXXX EQUIFAX AND XXXX ALL REPORT DIFFERENT INFORMATION ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION If, after any reinvestigation of a minor item 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,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX that the account with XXXX XXXX XXXX has been paid in full yet they will not remove it.
Product: Debt collection

A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2025 XXXX/XXXX  XX/XX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous items reporting on my Credit Report : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had my credit report locked since XX/XX/XXXX. I have called several times including XX/XX/XXXX. The representative told me that someone else name was attached to my credit profile and I needed to send my SS Card, ID, and proof of address via email. I sent that XX/XX/XXXX. I still haven't seen any progress so I called back XX/XX/XXXX and was given the run around.
Product: Checking or savings account

On XX/XX/21, the District of Columbia Department of Employment Services mailed me a check for {$6000.00}. The check states in all caps " VOID AFTER 180 DAYS. '' I deposited this check in my XXXX XXXX XXXX XXXX account on XX/XX/21. On XX/XX/21, XXXX XXXX removed the funds and sent me a letter, stating that Wells Fargo ( the bank used by the Department of Employment Services ) declared the check " stale dated. '' XXXX XXXX told me to contact Wells Fargo, and Wells Fargo will not speak with me because I am not the Wells Fargo account holder. The check was not " stale dated '' because it was still well within the 180 day window. This check should have been honored, and I have been charged a {$15.00} fee and am experiencing a lot of XXXX  because of this.