23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputed the following account with the company  Credit Control Services   XXXX  was placed on my credit credit with providing me with a RIGHT TO DISPUTE or NOTICE STATING THIS ACCOUNT WAS A COLLECTION ACCOUNT. I have disputed the account I was a victim of Identity theft if your company would have notified me I would have informed your company. Please Cease all collection activities including reporting this account to the Credit Bureaus as Correctly reporting information. I am requesting your company to remove any account information that may be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED
Product: Credit reporting or other personal consumer reports

The recent revelation that XXXX may have falsely claimed to verify accounts while harboring inaccurate social security numbers raises serious concerns about the integrity of their verification processes. It is inherently contradictory and fundamentally flawed to assert accuracy in verifying accounts when the foundational information, such as the correct social security number, is incorrect. This situation not only jeopardizes the trust consumers place in credit reporting agencies but also underscores the potential for systemic errors that can have profound consequences for individuals seeking reliable financial information. The need for transparency, accountability, and stringent oversight in credit reporting practices is paramount to ensure the accuracy and fairness of the financial system for all consumers. 
How can you verify an account with the address the name which is also incorrect and the social security number which is incorrect. How can you get a verified account with the wrong information?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed some inaccurate information posted on my consumer report. 

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 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/year>
Product: Debt collection

Text XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is Central Portfolio Control Inc . Please contact our office at XXXX or online at XXXX.com using your AGENCY ID : XXXX. This communication is from a licensed Bill Collector. Thank you. Text STOP to unsubscribe. 

I have responded unsubscribe and they called me afterwards.
Product: Credit reporting

Why was this loan removed from my Credit Report? I contacted the credit bureaus and they said that they did n't have any information on this and that it came from  Wells Fargo to be removed and that I should contact Wells Fargo. Th is was a positive tradeline and I want it re-reported to the  XXXX  bureaus. ACCT  XXXX  Communicate by mail only or via the cfpb.   No phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to TransUnion with proofs and letters from companies that agreed to remove hard inquiries ... also 3 copies of my identity to get inquiries removed that is not authorized on my credit report ... they did not remove the inquires also they did not respond to my letters ... they are violating The federal Fair Credit Reporting Act by not investigating or removing unauthorized hard inquires on my credit report I have a copy proofs if need also the mail was sent to TransUnion was certified I know they received my dispute letters ... It is not fair for me as a consumer ... also sent same dispute to XXXX  and XXXX they respond also they removed the hard inquiries ... TransUnion is frauding my credit report by not removing false inaccurate information on my credit report
Product: Debt collection

On about XX/XX/XXXX I contacted Blitt & Gaines about a lien that was put on my property without my knowledge, I explained that I had not been notified of any such lean and ask them if they could validate the debt they I let them know that I was trying to close on a piece of property and I had just lost my home too fire and that this was causing me great financial harm. In order to get my closing done I even offered to pay them so they said they'd settle for {$6000.00}, then they refused to do anything telling me they had to wait to validate debt.i They sent me papers which did not validate debt so I called back and told them they needed to release lien, they hung up on me XX/XX/year>, around XXXX XXXX, I called back they sent me to voicemail, I used another person 's phone and got through to XXXX who told me she wouldn't speak to me because I also was recording and hung up. XXXX I called back in the afternoon and spoke to XXXX and she refused to release lien but will send payoff to title company, I told her I was filing this complaint because they didn't validate debt. The only papers they sent me were a copy of statements, page saying debt is charged off, and a page from filing lien but nothing with my signature, no picture id, no papers where I got summons, their license to collect debt in Missouri nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX No contact information has been reported by this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started the process working with Loan Depot and they did not maintain regular communication with me. After not hearing from them for an extended period of time ; I started speaking with other lenders and have chosen to work with XXXX XXXX XXXX. I have been trying to get my FHA case number and FHA appraisal transferred to XXXX XXXX XXXX for over a month now and keep getting the run around from Loan Depot. 

They say I need to make a {$120.00} payment for the appraisal before they will transfer everything but every time I try to make the payment ; one of the following occurs : 1- Payment can not be process until re-inspection is scheduled for the subject-to appraisal 2- They had me fill out multiple forms to make the payment but then tell me I need the loan depot loan number on there as well. Resent the required document with the loan number and was then advised that I would be emailed a link from loan depot to make the {$120.00} payment but never received the email. 
3- I get transferred to a loan officer who is not the original person I started speaking with and they try to convince me on why I should keep my loan with them even though no one at their company has kept regular communication with me and I am constantly speaking with someone different. 

This has been going on for over a month and I am now starting to feel like I am getting the run around and that they are holding my appraisal hostage! 

I want my appraisal and FHA case number transferred to XXXX XXXX XXXX and do not believe it should take over a month for loan depot to accommodate my request.
Product: Credit card or prepaid card

I received a credit card without applying for one. I read that US Bank had just sent out cards. I received the card from US Bank. How did they get my soc. Sec. #? This is very upsetting. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this is my third dispute I am writing to dispute the charge-off reported on my credit report, which I believe may contain inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I am requesting a RE-IVESTIGATION I identified the following late inaccurate payment XXXX. **Account Information : XXXX XXXX XXXXCreditor Name : XXXX XXXX XXXX ] - **Account Number : ** [ XXXX ] - **Date of LATE PAYMENT : ** [ Date of XX/XX/2023 ] XXXX. **Violation of FCRA : ** The reporting of this LATE PAYMENT may contain inaccuracies or incomplete information, which impacts the accuracy of my credit report as guaranteed under the FCRA , specifically under 15 U.S.

C. 1681s-2 ( a ) ( 1 ) ( B ). I request that you conduct a reinvestigation into this LATE PAYMENT and provide me with the following information : - Verification that the reported LATE PAYMENT is accurate, complete, and reflects the correct details of the account.

- Documentation showing that the LATE PAYMENT was reported within the timeframe allowed under the FCRA and other relevant regulations.

Please note that under the FCRA, I have the right to dispute inaccurate information on my credit report and request that inaccuracies be corrected promptly. If it is determined that the account is inaccurate or can not be verified, I request that it be removed from my credit report if it can not be updated to paid on time never late/ 100 % on time payments.

Please provide a written response to this dispute within 30 days from the date of this letter. Your failure to comply with the FCRA may result in legal action being pursued against your agency for non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have the right to privacy. 


These addresses, phone numbers and employment history are incorrect on my credit report. 


Names : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employment History : Boss Republic Self Employed
Product: Credit reporting or other personal consumer reports

I was given student loan forgiveness months ago. My student loans were supposed to be forgiven back in XX/XX/year>. I have accounted for XXXX payments for subsidized and XXXX payments for unsubsidized loan forgiveness. However, only XXXX payments were needed for both. I received a email several months ago saying they were forgiven, however I still have the loans on my account and they are not forgiven. I called XXXX and XXXX and they both stated that I have no loans with them. Studentaid.gov shows the loans forgiven, however all three of my credit reports does not reflect this information at all. This was back in XXXX and it is XXXX. My credit reports are showing inaccurate due to my loans are supposed to be off my reports. Also, XXXX said that I have a overpayment but when I asked about it they played like they did not say anything else when I called last week to see what was the overpayment and if I would receive a check for overpayment.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I havent got any emails regarding my account status, but apparently the account is past due. They called my cell phone back to back, five times in a row.
Product: Mortgage

My ex filed bankruptcy on a mortgage for a house that we are both on the loan. For 2 plus years I have been trying to find out if the mortgage payments were being applied correctly and if their was a monthly mortgage payment that was missed. Never have I received any correspondence from them nor have I been told on the phone whether or the monthly mortgage payments were made and if any payments were missed. Back in XXXX of this year ( 2016 ) when I called once again about the mortgage trying to get information they finally told me that the mortgage had been behind XXXX for over a year and they were charging me late payment fees of {$500.00} and inspection fees of {$310.00}. A lady named " XXXX '' told me to write a letter to Seterus explaining that I was never told for over 2 years about any late payments and never received any letter in the mail and that since I made a good faith effort in catching up the mortgage payments that she thought I had an excellent chance to get the fees waived. Well today, XXXX XXXX, 2016 I just received the companies response back and they denied waiving the fees. I called them immediately at XXXX and their csr whom I spoke to agreed that their was no way for me to know about any payments, payment history etc but she was unable to do anything about it. In addition they are now reporting it as negative on my credit report which again, I had no way of knowing whether or not the mortgage was behind.
Product: Credit reporting or other personal consumer reports

Tihs is my multiple compliants .... I am requesting for your assistance regarding with these wrong informations on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and UPDATE the listed ITEMS below. 

XXXX Account Number : XXXX UPDATE and remove the late payment of this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX  Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account XXXX XXXX XXXX Delete from my credit report. 


XXXX0. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

house fire, insurance sent check with nationstar morgage as a payee sent to nationstar in  XXXX  they issued a check when we tried to deposit it, there was insufficient funds then a stop payment. Nationstar opened a suspense account in  XXXX  then wrote  two corporate advances for the entire amount then replaced the money in  XXXX . For  two weeks I have not been able to resolve this issue. nationstar says there is no stop payment. finally a supervisor contacted our  adjuster  I do n't know what they discussed but I did receive the supervisors name and number which have been calling but the call goes straight to voice mail says sorry not available.   The  contractor  has stopped work on the reconstruction of my home because he has not been paid.   Also they disconected the pay by phone feature in  XXXX  so my payment was late and they are charging an outrageous late fee of {$74.00}.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. When I checked my report, I was shocked to see discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the inquiry remained. This situation is extremely frustrating, and I need this issue resolved immediately. Please review the documents Ive submitted carefully so I can stop worrying about this.
Product: Debt collection

This complaint is regarding an inaccuracy on my credit report. I have sent Collection Bureau of A ( 2 ) certified letters requesting viable evidence bearing my signature that I owe this debt. They have ignored my request and failed to respond. They have also violated federal law, by not properly investigating my complaint with in the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. They have also failed to mark my credit report that this debt is being disputed by consumer which is another violation of the Federal Law. I believe they have acted in bad faith, and have not complied with the FTC ( see 15 USC 41, et seq. ),.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.