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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX  account # XXXX is a checking account that was negative {$17.00} and went into charge off I have paid the full balance off but this account is still reporting on my credit report as negative remark and its destroying my reputation and borrowing power with other lenders this is This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692.This is a Checking account charge off not a credit obligation contract example ( Credit card, personal loan, Car Loan ) so this shouldn't be reporting on my credit reports e i'm requesting all credit agency 's ( XXXX, XXXX, Experian ) to remove and block to account from future reporting onto my credit reports immediately.

I will Below attach my proof of identification for all credit agency that's mentioned in this dispute.
Product: Credit reporting or other personal consumer reports

I have file many disputes with equifax & XXXX & my credit have not changed or they have not got back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX you wrote XXXX XXXX XXXX  disturbed the funds XX/XX/2004 are you talking about the XXXX XXXX XXXX  In Utah? 
XXXX XXXX XXXX  paid the XXXX  XXXX XXXX XXXX {$49000.00} XX/XX/2004? 
XXXX you wrote you are the servicer of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX loans then how did XXXX XXXX XXXX became a creditor?
Product: Credit reporting or other personal consumer reports

Someone stole my identity over XXXX  years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a major XXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian, XXXX and XXXX has violated my rights by reporting unverifiable public records on my consumer report ( Reference XXXX XXXX XXXX XXXX XXXX ) Per the FCRA 623 ( a ) ( 5 ) : If the credit bureaus can not VALIDATE the information with the original creditor, they must remove said information from the consumer file. The original creditor in this case would be the U.S. BANKRUPTCY COURTS. The bankruptcy courts mailed me a letter stating they DO NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX XXXX has provided documentation that it could not validate this public information and has been deleted from their database in XX/XX/2022. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court System due to the Fair Credit Reporting Agency Privacy Law. Experian XXXX or XXXX never validated or verified these public record entries on my credit report. XXXX stated they verified with XXXX XXXX the accuracy of this public record in XX/XX/2022 and my XXXX XXXX consumer report shows that information doesnt exist. This proves that XXXX as well as the other credit agencies did not perform a true and honest investigation.This is unfair to me as a consumer and I need any and all of the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report IMMEDIATELY as it is not verifiable and is causing extreme damage to my financial future. As such, if this unauthorized information is not deleted from my credit report within the next 5 days, I will be filing a complaint to the Federal Trade Commission and my State Attorney Generals office. Failure to respond in a satisfactory manner within 5 days of receipt of this complaint will result in a small claims action against each credit reporting agency. 
I will be seeking {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligence Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit card

PayPal Credit seem to keep losing my payments that I mail and when they do finally find it they have added late charges. Yesterday I got a big shocker from them when they added a over {$88.00} interest XXXX to my account causing me for some reason to be - {$110.00} available credit! Last week my available credit was {$60.00} I spent {$57.00} on groceries leaving me a {$3.00} available credit now it is- {$110.00} something is very wrong with this company! I am XXXX I can't keep up with them and they keep losing my payment every month causing me to pay a late fee also I mailed it on XXXX or XXXX of the month due on XXXX I even ask them to change my due date to XXXX make sure they get it on time but never did I need help with them and what they are doing to people!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 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 have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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

On XX/XX/XXXX, I received notification from Experian that they have upheld a fraudulent negative payment reported to them by XXXX despite evidence provided to them and to XXXX that this account was paid in full and the payment cleared my bank. This account not only was never late, but was paid in full in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is reporting a fraudulent on my account that arose from IDENTITY THEFT. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

Please delete this account immediately im not liable for this account nor did I make any agreement with this company. Thank you for your time in this matter. As my consumer report is of extreme importance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay rent and utility bills every month that aren't on my credit report!!
Product: Credit reporting or other personal consumer reports

Company take more than 30 days to respond, request to have negative accounts deleted.
Product: Consumer Loan

I did a car title loan with Whilshire Credit, which I think is Westlake financial, each month they when I got the loan they paid off another loan telling me thjere loan was better well he lied it was much worse. Each moth they call me from XXXX companies but after 5 days I never receive a written notice. Even Though the money is coming out of my bank account. So every month I late, they call multiple members of my family harassing them and call me. They do n't bring my account current like they promised when I set up the authorization. Its bad enough that I have to pay {$9300.00} over 3 years but with them never bring my account current it will be much much more, They do not seem to be a very honest " company '' and it would be very hard to recommend them to any community!! As you see i have paid current but every month they cahrge me an extra {$70.00} and {$36.00}. They say every month they will fix it but never do so my balance never changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX  and also prior I had contacted Equifax via phone and via web to dispute inaccuracies on my credit report. There are repeated inquiries that I did not authorized, nor received any documents from the company or a verification call in reference to these hard inquiries. My information was compromised in the past and recently. I have credit alerts with all 3 bureaus. Which I receive via email each time anyone tries to access or apply for anything in my name. I immediately contact the creditor. Unfortunately I was advised by each creditor that I would have to report this to the credit bureaus to have it removed regardless if any documents are sent to them in reference to any identity theft or inaccuracies. Below is a list of repeated inaccurate hard inquiries that is listed on my report and damaging my credit file with Equifax. The other bureaus have acknowledged and deleted these inquiries due to previous/ recent identity theft and inaccurate information listed. Also due to me contacting them after receiving these credit alerts and also do to my information being expose in 2 data breaches with Equifax. Which I am still waiting on a settlement by the courts. 
Please see listed unauthorized hard inquiries below. Also attached is my drivers license and a copy of several letters XXXX XXXX stating that someone previously used my information to apply for an account/ credit card and after an investigation they determined that it was fraud. After their system was hacked. 

Unauthorized Fraudulent Hard Inquries XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX XXXX. 
Note : As you can see theres a pattern of someone trying to obtain credit in my name back to back within one month repeatedly which is uncommon and I was was not contacted via phone from this creditor in reference to this matter on these occasions. I was only contacted via mail advising me my information was found in the system due to identity theft. 

Other unauthorized hard inquiries XXXX- XXXX, XXXX  XXXX XXXXXXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am requesting for these inaccurate fraudulent inquiries to be deleted immediately as this is damaging my credit file and was not consented.
Product: Credit reporting or other personal consumer reports

These items were deleted then they reported again without notifying me 5 business days after and certifying that the items was validated properly. XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, This collection account is inaccurate XXXX XXXX XXXX - XXXX, This personal information is inaccurate XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX.
Product: Mortgage

My lender penny mac failed to pay insurance from my inpound account .the insurance was then canceld .they told me they sent letters i do not recall seeing any or i would have responed .the lender placed there own insurance .califorina civil code 2954.1 states they have to pay insurance and taxes on time .the lender is now saying the inpound account is over drown by XXXX and i need to pay it back ... please any help would be great.
Product: Debt collection

I RECEIVED A LETTER ABOUT FROM MIDLAND CREDIT MANAGEMENT INC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX XXXX. I HAVE NEVER DONE BUSINESS WITH MIDLAND CREDIT MANAGEMENT INC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX  XXXX  XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bilXXXX, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX  - XXXX, XXXX  - XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX  - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX  - XXXX, XXXX - XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX,
Product: Mortgage

I got divorced in XX/XX/XXXX and went behind on 3 properties total of 3 mortgages and 1 HELOC. All 3 mortgages companies worked with me on load modifications except 1 company XXXX XXXX XXXX XXXX. They sold my HELOC to XXXX XXXX XXXX. I was working with them for quite some time and then they sold it to Selene Finance. Selene Finance has been rude, unbearable, uncooperative and they told me I am being forced into foreclosure. I need a loan modification and the investor denied because they said I was at 49 % debt to income ratio. Their home appraisal was even fraudulent. The appraisal came out $ 250k higher than the other banks I worked with. I even offered to pay the loan for principal in full and if they can remove the excessive fees they are charging. They said " no, you are going into foreclosure because you have enough equity in your home. '' The problem with that is I have XXXX children and XXXX of them are in school. How do I sell my home? Why can't they just modify the loan and do a 3 month trial period? That is correct I don't owe much on my home and I can't refinance with another lender because this loan shows outstanding for over 5 years.
Product: Checking or savings account

On XX/XX/XXXX approximately XXXX in the afternoon I went to Bank of America drive-thru ATM to deposit {$600.00} in cash. When I inserted the cash the machine turned green and started resetting itself. It did not give me a deposit receipt or anything. 
Bank of America first gave me your credit for {$6.00} XXXX but then after their investigation they said my claim was denied based on that investigation
Product: Vehicle loan or lease

I have had the vehicle for 5 years and the principal balance was {$15000.00}. I pay XXXX XXXX monthly. However they have been applying my payments of {$400.00} towards interest instead my principal balance. I still owe over {$10000.00}. I am facing financial hardships and they are threatening to repossess my vehicle. My child was diagnosed with XXXX recently and I need my vehicle to get her back and forth to therapy.
Product: Mortgage

This company still insists, even after a complaint, on making me pay for a month 's worth of insurance from XXXX of 2023, even though I have insurance in full force now and there were no claim events in the month of XXXX. I was physically unable to get flood insurance due to the changes brought about by XXXX XXXX. I was cancelled by my old flood insurance because I filed a claim they did not pay, and the new insurance company required a 30 day period between my old policy expiring and theirs taking effect. I have performed responsibly and done all I can do, yet First Horizon insists I still have to pay them for flood insurance to cover a month already in the past. This is outrageous, and I will take them to small claims court if I have to. There are special circumstances in the state of FL that precluded me from having continuous flood coverage, but there is no harm and no foul due to the lapse as my flood coverage is fully in force now. I will not pay their extortion for this insurance.
Product: Debt collection

I loss my walllet and some people used to get bill form to go the hospital
Product: Credit card

I purchased an appliance named XXXX dehumidifier from Sears.com. The product is listed under the XXXX manufacturer warranty for the defective product and the part that failed. The purchase date states XXXX/XXXX/XXXX sales ticket XXXX ( sears ). The problem with this purchase is that I purchased a XXXX BRAND it also has a XXXX Booklet. I called XXXX and they are willing to replace the product or swap it out. problem encountered was that the serial number listed on the SEARS.COM item that I am paying on my sears credit card with a payment of XXXX.per month is not a legitimate SN. sears is denying this and not allowing the return or credit to my card and blaming a third party called XXXX XXXX ', XXXX said to contact Sears and XXXX about the return since XXXX XXXX the third party seller with only a XXXX product initial warranty..The XXXX part though is still under warrany thru XXXX XXXX XXXX. XXXX needs verification of the original SN for return purpose and credit. This product has a UPC number of XXXX ( stated by XXXX, The model number on my dehumifier is XXXX, SN # XXXX. XXXX states that is not a valid SN, otherwise they would swap, credit or repair. sears claims they are not responsible as I object, due to the fact I purchased this thru SEARS and it stated XXXX on the product. There is not any stipulation anywhere in the booklet stating the product 's SN has been altered therefore I assumed it was a legit purchase. even refurbished products contain the SN to replicate the original for product identification as automobiles do. I am out a XXXX dehumidifier. I purchased it for my health needs. I want this warranty held up as SEARS should be standing behind XXXX products sold using the sears credit card. I want this illegal and unscrupulous act rectified so I can use a dehumidifier. 
My frigidare ticket and complaint verification was lodged within their company telephone number XXXX ticket # XXXX they stand by their product and warranty. 
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.