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

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATION/NELN XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$7000.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3800.00} DEPT OF EDUCATION/NELN XXXX Balance {$1400.00} XXXX  XXXX XXXX Balance {$2800.00}
Product: Debt collection

I just found out there are XXXX new XXXX XXXX on my XXXX credit report from XXXX XXXX XXXX, XXXX that I do not recognize. XXXX collection is for {$390.00}, XXXX is for {$52.00} and XXXX is for {$1400.00}. I never received anything in the mail or got any phone calls about these debts, nor do I have any knowledge of them. I tried to mail a letter to Firstpoint and it got returned back to me. I have called them but can not get a response. So now I have collection accounts showing on my XXXX credit report that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Trans Union, And XXXX  regarding falls/wrong information on my credit report/file there is wrong information such as my name wrong addresses and also there are multiple inquiries and accounts that each credit bureau can not verify and will not remove.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATION/XXXX 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 reported in to be removed. 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. DEPT OF EDUCATIONXXXX 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my XXXX XXXX PL XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, SSN, DOB, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off : XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} credit inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Personal Information Name : XXXX XXXX Previous XXXX ( es ) : XXXXXXXX XXXX XXXX  XXXX, CA XXXX
Product: Debt collection

I need to prove to all credit bureau that I do not owe that property management XXXX Trace any money. XXXX, Equifax, XXXX. 
I have tried to solve that matter through mail e-mail since last year but that scam company kept sending lies.
Product: Debt collection

In XXXX I received notice from this debt collector stating that I owe a debt to them. 
I proceeded to send them on XX/XX/XXXX a debt verification letter in which they never responded to. Today I received another collection letter dated XX/XX/XXXX attempting to collect on the same debt. They failed to respond to my verification of this debt and they have reported this collection to all 3 credit bureau 's. 
XXXX XXXX XXXX They reported me to collection without verifying the debt per my written request.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a male asking me for my date of birth to confirm a debt a I owed. I told him I do not give out personal information like that to a random person I don't know over the phone. He then stated he was from transworld systems collecting for a {$380.00} debt for XXXX XXXX hospital. I relayed to him that I've paid all bills I've ever owed. He said the outstanding invoice did not include an apartment number and an incomplete mailing address for me, which is why I never received the bill. I gave him the correct address to mail me the bill and any correspondence related to what he claimed I owed. As of XX/XX/XXXX, I still have not received anything in the mail. 

Upon obtaining a copy of my credit report, I saw that transworld negatively marked it up multiple times prior to XX/XX/XXXX. I went to their website to try to contact them or call, but the website contains no phone numbers or means of contacting them to request again the information they are trying to bill me for.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a first class letter to Equifax to request the names, phone numbers, addresses and all other documents that were used to verify the accounts on my credit report that were recently investigated. By law they require to furnish this information within 15 days of request after their investigation. Equifax received my request on XX/XX/2024 but refused to send me this information. They are in clear violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a late payment on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards, I am entitled to accurate, complete, and verifiable information on my credit report. The late payment in question does not meet these requirements and must be corrected or removed immediately. ALSO THIS ACCOUNT TAKES CLOSED REQUESTED BY ME WHICH IS NOT ACCURATE THEY BANNED ME FROM USING MY ACCOUNT FOR NO REASON STOPPED ME FROM USING ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to violate my consumer rights by reporting inaccurate information even when i asked the for there procedures and proof.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}, XXXX XXXX XXXX XXXX bal. {$150.00}, XXXX XXXX XXXX  XXXX {$0.00}. please remove these inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 : CAPITAL ONE I, has violated my rights. 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
Product: Mortgage

Starting in     XX/XX/XXXX , I attem pted on a few occasions to refinance my existing mortgage with Nationstar Mortgage, the servicer to my existing note, held by   XXXX   XXXX  . I was having difficulty maintaining paying the mortgage on time, and although I was not in default or even behind in payments, I wanted to see if I qualified for the HAMP or HARP programs. I reached out first to a counselor at the Making Home Affordable website, hosted or run by   XXXX   XXXX  /  XXXX   XXXX   and engaged in a conference call with NationStar that same month. I was informed by  Nationstar  that due to my experiences to date, I was eligible for home modification under HAMP. I proceeded to apply for HAMP by the deadline of   XX/XX/XXXX . I   was subsequently deni ed by Nationstar st ating I did not meet eligibility requirements, directly contrary to prior conversations. In fact, the Making  Home Affordable  counselors at   XXXX   XXXX   did not understand their response either. I was then asked to participate in HARP --  Nationstar st ated that I was eligible for HARP but needed to wait  until  XX/XX/XXXX  as  I  had one la te payment on file and needed to be on time with payments for a year. I then reapplied in   XX/XX/XXXX ,   had a loan  counselor  at  Nationstar  look at my note, my current obligations and stated I qualified and locked me into a rate. They performed an inspection of my property and then I got no communications from them since. I had to contact the company several times and received no further communication.      About two wee ks after my attempts to contact them, I got a letter from  Nationstar stating my property was unacceptable to refinance. When I inquired further, I found out that Nationstar  stated my mortgage note was for a cooperative property and they do not refinance cooperatives. However, since my initial experience in late     XX/XX/XXXX   through this statement of theirs  in  XX/XX/XXXX  -- they sta ted  ( a )  I was eligible for HAMP and HARP.     I went throug h two successive evaluations, credit report pulls, and evaluations only for them to state they do not refinance cooperatives. They are a mortgage lender, they are my servicer and they knew for this entire time my property did not qualify but never informed me of this. This is not only deceptive but is grossly negligent and harmed me as a consumer. This is not the first time I had difficulties with Nationstar and I have already filed a complaint with the Texas State Attorney General and will also be doing so for the State of Illinois. Nationstar should not be allowed to operate managing servicing of loans without penalt y due to this gross negligence.     I will be contacting all federal agencies and credit reporting bureaus to report these misdeeds. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in question have not been removed and I have submitted multiple documents showing the error. I have attempted multiple occasions to get this issue resolved and these accounts removed. This is hindering me from moving forward with home purchasing.
Product: Credit reporting or other personal consumer reports

My Experian XXXX went up 2 days ago! Now I just got notification that I have NO XXXX XXXX  stating Ive not been using my credit when I have had this card for over a year- payments on time each time the card has been paid off each month- XXXX not sure WHY THIS KEEPS HAPPENING BUT IT NEEDS YO STOP! XXXX getting ready to sue! XXXX trying to buy a HOUSE! I went from a XXXX XXXX to not having a XXXX XXXX ALL! When I have the same account open and a few days ago had a XXXX XXXX SCORE! Im trying to buy a house right now! I cant keep doing this! This needs to be recalculated and my credit history placed back! I need my XXXX SCORE! A month ago I disputed a n incorrect balance XXXX  XXXX reported and now I have no XXXX? I cant keep living like this!! We will end up in court if this isnt rectified immediately! Its messing with my life right now!
Product: Debt collection

Tried on multiple occasions to contact company to verify charge-off balance. 
On XXXX XXXX, XXXX mailed first certified letter to verify account and account balance, no reply from company. On XXXX XXXX, XXXX XXXX certified letter mailed to company, still no reply from the company this letter was in regards to a XXXX XXXX XXXX. Yesterday, called spoke with customer service department and was instructed by agent someone would contact me by the close of business on Thursday, XXXX XXXX, XXXX. No one has called. I am asking that this be removed from all of my credit reports, due to the fact this company can not return answers from either mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and Experian. There were no late payments either. I need this information corrected on my reports immediately.
Product: Credit card

On XX/XX/ 2024 there were two charges to my debit card that I did not make. These two charges were {$69.00} and {$29.00}. I immediately called the same day to question these charges. I had never heard of either of the vendors. I was told to call back in seven business days to report this again ( I believe this was misinformation ) upon calling back I was mailed forms to fill out and return, which I did, they also canceled card and mailed a new one. I did not make these charges, I am retired and single, no one has access to my card, it always remained in my possession. The card is a debit XXXX through Money Network XXXX
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX -- - XXXX # XXXX opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked m credit report to see several unauthorized inquiries. I notified TransUnion immediately. 
FTC has also been notified.
Product: Debt collection

The last XXXX of my social security number are XXXX. Portfolio Recovery has not provided adequate debt validation. Account opened fraudulently. Not mine. Not authorized. The company is in violation of the FDCPA, will be filing a lawsuit, if not deleted from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit card or prepaid card

I had in XX/XX/XXXX charges made on the c/c for XXXX. 
XX/XX/XXXX I asked XXXX for the refund charges of {$170.00} & XXXX = {$330.00} ; and they were processed, see attached. 

This account is closed, as we have had HORRIFIC customer service and numerous emails, situations, and previous complaints filed with CFPB. Therefore, we can ONLY deal with the " Executive Branch ''. 

XXXX, my wife, spoke with XXXX from this Executive branch on another problem on XX/XX/XXXX ; and she told u she would not be handling this claim but that XXXX XXXX would be. 

We then emailed XXXX XXXX that day @ XXXX, in addition to the CFO XXXX XXXX, and another email XXXX stating we needed this credit amount of {$330.00} put back into our account # XXXX which they do have ( as XXXX had to transfer a previous {$900.00} ish on another claim that Citibank refused to process on time ) or they can send us a refund check. 

We emailed again XXXX XXXX, XXXX & the Executive response unit on XX/XX/XXXX at XXXX showing them the credits were on my account and we need our $ sent back. 

They still have refuse to contact me, and/or to send back our refund money legally due to us. 

I have proof of all the emails sent to them, XXXX showing it was done weeks ago, and proof of the credit sitting on the account.