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

I have made several requests for EXPERIAN to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EXPERIAN has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I was reviewing my consumer report and I notice these accounts negative account being reported without my permission. I would like for you to furnish me my contract I have with each of these banks, with my signature. Please provide me a signature or contract that shows that I was negative on these accounts. If you can't furnish it, you have to remove it within 15 days.
Product: Debt collection

Lost all personal property including XXXXXXXX XXXX XXXX  due to fire in my apartment building on XX/XX/year>. Vendor agreed to waive return or cost of router due to the fire. 
XXXX XXXX company sent a false collection claim to credit bureaus about an unpaid amount which was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. XXXX XXXX XXXX  ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$37.00} from XXXX XXXX XXXX that does not belong to me. The account number as shown is XXXX.
Product: Student loan

I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.
Product: Checking or savings account

i got scammed XX/XX/XXXX XXXX i sent money through Chase bank, couple hour later I realized it was scam, i went back to bank and asked to stop. i was told Chase bank put restrictions on the account and money is sitting on Chase bank. I filed a claim but they keep saying denied my claim even though i provided them all evidence like police report, fbi file report, and conversation between scammer and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

IC System called me regarding my XXXX account which was passed due.During the conversation they told me that XXXX was offering an end of the month settlement in the amount of $ XXXX.I was told that it would only be offered until the end of the month.I happened to receive a check that week so I called to make the payment which was a check by phone.I was told I was paid in full.This happened on XXXX XXXXOn XX/XX/XXXX I went to a XXXX retail store located in XXXX and the Sales Representative told me my account was still showing unpaid.He gave me a number to call.They were closed because it was XXXX XXXX weekend.I called both XXXX and IC Systems on Tuesday XX/XX/XXXX in the morning to clear things up.IC Systems once again confirmed I was paid in full.The person I spoke with told me he would send a confirmation email.When I called XXXX they transferred me to the Recovery Department.I spoke to a girl named XXXX.She said that she would go in the computer and put a note on my account that I was paid in full.That was all she could do.I returned to the XXXX store and met with XXXX who told me my phone still indicated unpaid.He called XXXX and explained the situation and eventually got transferred to the Recovery Department.He gave the phone to me because the woman wanted to speak to me.She was very abrasive and told me that I needed to pay the balance that I still owed or my phone would remain locked.I could not believe that they did not tell me this earlier when I called.Instead XXXX chose to humiliate me at the retail store. 
IC Systems does work hand in hand with XXXX and they even tell you thank you for being a valued XXXX customer when they take your payment.The entire situation was falsely presented and very misleading because they should not tell you that you will be paid in full if you are not and XXXX offered this end of the month special to me.I did not ask for it.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit card or prepaid card

I have a Chime Bank XXXX XXXX secured credit card. This card is supposed to have a secured account that will automatically pay off your balance from that and you can just add money. However, the card was reported as not paid several times and the balance was reported as the entire usage of the card but it never had a balance after the statement since it was immediately paid by the account. I had previously complained that the account was being misreported months ago and this month really gave me a kick to the gut since the card has caused my credit score to drop from above XXXX to almost below XXXX, with a drop of XXXX points this month. I complained to Chime, who told me it was correct, which obviously it could not be correct because they were paying it automatically the day after the statement. After their terrible support finally fixed the errors my score only went back up XXXX points. So I just got completely screwed by a " credit builder '' that actually damaged my credit score. I truthfully do not even know how to recover since I am having a hard enough time removing these trash collections from having my identity stolen. They make a mistake or lie about reporting and it irrecoverably damages my credit, I have to spend years to rebuild those few points now.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive documentation and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 4 to 5 attempts to Obtain my Consumer Credit & Insurance profile for free from Lexis Nexis Consumer Reports under FACT ACT Disclosure following all procedures as detailed on Lexis Nexis website ; dob ( XX/XX/XXXX ) I have attempted via US Postal Service w proof of identity a mailed request to Lexis Nexis ; yet Lexis Nexis refuses to properly verify my id I have several consumer accounts and the XXXX other bureaus have mananged to verify my id, I am a victim of ID theft and even the IRS was able to verify my id ; why Lexis Nexis refuses to help or disclose my report I do no know as I have acted with integrity in matter pertaining to my request for my Consumer Report DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from Radius global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through Radius global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to Radius Global. 

I still receive letters from Radius Global even though there is no debt on my account. XXXX sent an email to Radius global to have it removed and I am still receiving letters from Radius global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to Radius. 

This is complete fraud that I should pay both Radius Global the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is reporting a debt on my credit file that is no longer owed. I recently had my credit pulled and was notified of this debt by my lender. He said I needed to settle that account but when I looked into, it was an account I paid off months ago! This account is causing my home buying process to be delayed. This account needs to be removed from my credit file immediately!
Product: Mortgage

Ok starting in XX/XX/XXXX I notified my mortgage company planet home lending that I was having difficulties paying due to covid So in XXXX I do believe the ladies name was XXXX. So her and I filled out paperwork for the vasp. Special program that helps veterans with the mortgage payment. She said it would take 30 days. Well XXXX XXXX XXXX  came and went. XXXX came and went. I called s veral times asking ng for the information the medication dept. Kept getting told that's its in review. Well in XXXX I contacted XXXX at the va home loans dept. He contacted them XX/XX/XXXX. He got response back saying they were sending the VA the paperwork. Well needless to say he never got it. I never got anything. Around XX/XX/XXXX XXXX from the VA again contacted them. Planet home lending told him it's still in review and they will send him paperwork by XX/XX/XXXX approx. On XXXX I contacted XXXX at VA again. He contacted planet home lending and they said he went get it by end of week. Well holidays hit so on XX/XX/XXXX I emailed XXXX again. He emailed planet home lending his response. Still in review So I contacted him around XX/XX/XXXX. Again he got same response under review. 
They told him that in seven months behind. I am not I have all bank receipts and I put every month Well yesterday I mail I got escrow analyst. Its seems they have been helping themselves to my escrow. XXXX for their homeowners insurance XXXX a month for hazard insurance what ever that is and XXXX a month for inspection so they have used a total of XXXX of my escrow I have insurance thru XXXX which was sent to them but yet they ignored that and charged for their own. 
I have tried to call planet home lending and have asked for a supervision on XX/XX/XXXX I got told no supervisors available in any branches I have email XXXX XXXX who is president of planet home lending but no response. I have emailed XXXX XXXX the CEO. But no response. 
These ppl have done nothing for my vasp and I do believe they are trying to make me lose my house I had a great mortgage till end of XXXX then they transferred me to this one. They have lost a payment when they transferred over. C they have taken all my escrow. They keep saying I behind when I am not. Help. This is ridiculous Now they have sent a letter saying I need to pay XXXX due to escrow being short XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$8000.00} off on my credit report and had credit accounts removed and it lowered my score the credit bureaus are not correct when its my life and the documents speak for their self
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized accounts and inquiry from my credit report. As a victim of a data breach, I have identified fraudulent activity involving my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit report. 
Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2100.00} XXXX. XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$560.00} Fraudulent Inquiry to Block and Delete XXXX XXXX XXXX  - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX XXXX  account ( # XXXX ) on my credit reports with XXXX and Equifax. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies.

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Debt Status on Equifax : Equifax inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the CFPB to remove within three business days
Product: Credit reporting or other personal consumer reports

On my profile there were XXXX hard Inquiries Date XX/XX/2024 described as auto loan With the companies name of GM Financial XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
These hard inquiries gon na be a big trouble for me when i will actually looking for a auto loan approval.It will stop me to finance anything for more than a year. Request to remove these hard inquiries so I could look forward. Thanks
Product: Credit reporting or other personal consumer reports

ConsumerNumber:XXXX CaseNumber:XXXX Lexisnexis is reporting incorrect personal information on my consumer disclosure they are reporting. 

I have carefully reviewed the information on my consumer disclosure, and I have identified discrepancies in the accuracy of this data. The discrepancies are as follows : 1. Name : - My only name is XXXX XXXX XXXX XXXX. There should be no variations or additional names associated with my record. 

2. Address : - My sole address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other addresses listed are inaccurate and should be corrected. 

3. Phone Number : - My only phone number is XXXX. Any other phone numbers associated with my record are incorrect and should be rectified.