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

XXXX XXXX XXXX refused to dispute claims and process them properly. 
Erroneously reporting mortgage payments to XXXX XXXX despite providing proof that payments were made on time. 

Payments received after the 17th of the month are late. I have never paid this account late. 

Secondly, CRA 's refuses to update XXXX XXXX XXXX account. This account was in a Covid 19 forbearance and was never late. Consumers did NOT qualify for a deferment if payments were past due.
Product: Mortgage

Initial loan application was placed on XX/XX/20 for refinance with SoFi Mortgage. Over 2 week delays multiple occurrences in response times for any actions to be placed on the loan. During those times of no response multiple calls and emails were sent. This has happened now for 130 days since origination with no signs of an end. 

Paid for appraisal on XX/XX/20 with receipt. Closing disclosures sent showed appraisal being charged again at time of closing. Payoff amount shown on closing disclosures {$1200.00} more than payoff amount quoted from current lender ( same date of payoff ) Credit was pulled a second time without authorization from myself or my wife. No confirmation from SoFi that this is corrected. 

Closing was scheduled to take place XX/XX/20 with a signing agent ( SoFi Scheduled ). SoFi never sent the documents and did not answer calls or emails from the agent to get the documents. No clue when/if the loan with close now. 

This company is deceptive and unworthy of business.
Product: Debt collection

Sezzle has been into the major credit bureaus that I owe them {$190.00} the information that they providing is incorrect. XXXX personally to have the update this information and it has not been done. It came back verified through my credit bureau once I try to dispute it due to not having a balance at all, and also speaking to a representative and they informed me there is no balance at all with, I just don't understand what's going on no one is working with me and I have proof that there's no balance with this company. Everything was paid in full. So I do need a job on their end and fix the error on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I discovered incorrect information being reported on my credit report. I sent letters that were received on XX/XX/2022 about incorrect information on my credit report. As of XX/XX/2022 the incorrect information is still on my credit report. I am requesting that the incorrect information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX XXXX XXXX that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXX p.m. 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) XXXX Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXX XXXX. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account number : XXXX. 

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 number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account numbers XXXX XXXX ) : ( XXXX ) ( XXXX ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I Believe I am a Victim of identity theft there are multiple accounts that i did not open or authorized. I really don't know anything about credit unit I recently checked my credit report and seen these fraudulent accounts. I am confused how someone can open an account in my name without my consent or authorization Please look into this investigation i will like these account to be remove from my credit report as its hurting my score and its fraud. thank you Fraud account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon XXXX XXXX and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year, I have been trying to get two US Bank accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

US Bank has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

XXXX has been provided copies of the written correspondence sent to US Bank instructing them to remove me from those two accounts. To this day US Bank has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in con nection therewith. 

XXXX ) XXXX XX/XX/year> XXXX ) XXXX XX/XX/year> XXXX ) XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XX/XX/year> XXXX ) XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Experian is furnishing 3 accounts on my credit file which they should not be. XXXX, XXXX, XXXX, XXXX, XXXX and other secondary reporting agencies have removed this information. My consumer report is supposed to be complete and accurate. Transactions between a creditor and a consumer should not be reported without my consent. I have given no such consent. I do have a right to privacy. My information should be held private.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail about this third party debt which originally belonged to XXXX XXXX  ( XXXXXXXX XXXX XXXX business credit ). I never did business with Credit Control, never spoke with anyone about a business account with them. This debt was obtained unlawfully per 15 USC 1681E.
Product: Debt collection

I was initially scammed by a party pretending to be XXXX. After I realized that I was scammed I notified XXXX and they continued to bill me even though they soon turned off the service. I didn't receive a bill in the mail or neither was there a phone call to attempt to collect the debt. I didn't trust the communication through email since the scammers were aggressively trying to scam me using a similar email with the XXXX logo. I didn't respond to any emails because of this. I don't recall ever authorizing for me to only receive bills via email notifications that require me to provide password and security credentials to login similar to the scam. 

Instead they continued to email me in the same manner the scammers were emailing me using the same XXXX logo.. I am currently paying down the amount owed to the collection agency, Credence Resource Management. 

I want to make you aware of the lack of communication and notice given of my bills. They also didn't give me credit for the equipment that I returned and have a negative mark on my credit despite me having an open case with XXXX and Credence to clear the remaining balance of {$190.00}.
Product: Debt collection

This company National Recovery Agency, in direct violation of the FDCPA 15 USC 1692d, has harassed and oppressed me using fraud. By the use of criminal means, they have damaged my reputation as well as my ability to obtain consumer credit, further diminishing my faith in the banking system. They have stolen my identity using my social security number in violation of 42 USC 408. 42 USC Sec. 408 provides that : *Whoever ... ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. '' Theyve failed to remedy this fraud. In violation of 15 USC 1692b and 15 USC 1692c, Nation Recovery Agency has communicated with me at a place that is inconvenient. As Ive advised them, in writing, that I refuse to pay this fraudulent claim and that I wish no further communication continues between them and I, they are still reporting this claim to credit reporting agencies in direct violation of Federal law. I have no valid contract with this company, nor do I have a contract with the company they've claimed to assume the debt from. This company has failed to produce a valid contract for either company. I demand they cease all communications, as I am litigious, and they are liable for damages for openly violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several back ground checks for employment and every time I feel that it is like my credit scores drops for riicidulous reason. It went from XXXX to XXXX. This needs to change I feel that after having monitored my credit and I have desperately tried my best. In order to pay my bills I need employment. The credit reports on Experian, XXXX, and XXXX. It needs to be investigated as to why my score drop so much. Is it because of my race I am not sure why. I am a XXXX Veteran, and I have never committed any crimes, the creditors to not reflect the loyal, honest person I am. Some of the incidents on my credit report was due to fraud and oversight on the creditors behalf. I know that I am going through this unfairly. Please fix this
Product: Credit reporting or other personal consumer reports

On XXXX I sent a validation letter never received any thing
Product: Credit card or prepaid card

I purchased a set on sofas with interest for XXXX months. So before we start paying interest we payed the whole amount to synchrony Bank and they assured that my account was on XXXX with no any interest or fees. This happened XXXX months ago. In the meantime i was getting calls from them and emails for payments of the same account I already payed. I called the bank XXXX times, I talked to the managers and supervisors and they said that it was fixed but still I owe money. Also, the XXXX time I called, they said that they created a dispute to this case and will be fixed but the first week of XXXX, I called yesterday XX/XX/2023 and now they said that it will take longer than a month. But it is affecting my credit record, that are calling me for paying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, XXXX and equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit Inquiries currently listed on my Experian credit report are fraudulent and authorized : XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XXXX  XXXX XX/XX/2023. The credit inquiries isnt my credit inquiries.?
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and dissatisfaction regarding the late opening of accounts with 3 Credit Bureaus. This marks my second attempt to address and rectify this issue, and it is crucial to resolve this matter promptly and efficiently. 

I initially contacted your company on to bring to your attention the delayed opening of my accounts. Despite my efforts and your assurances that the matter would be promptly addressed, the issue remains unresolved. I am disappointed that a second attempt to correct this issue is necessary. 

I kindly request that you take immediate and effective action to investigate and rectify this issue. I expect a prompt response, outlining the specific steps your company will take to address the problem, as well as a clear timeline for the resolution process. Additionally, I suggest reviewing your account opening procedures and streamlining them to prevent similar delays in the future.

Failure to address this issue satisfactorily may compel me to escalate the matter further by seeking legal remedies and notifying relevant regulatory authorities. pLease assist me to correct the following accounts : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$51000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent THREE SEPERATE REQUESTS to Transunion in XXXX, XXXX and XXXX requesting to remove the information previously disputed. THIS IS NOW MY FOURTH REQUEST!!! 

1. The following personal information is incorrect I DO NOT WORK HERE REMOVE Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect- IVE NEVER LIVED HERE REMOVE Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX. The following personal information is incorrect- I DO NOT WORK HERE REMOVE Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, EQUIFAX, XXXX AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX SENIOR VICE PRESIDENT OF EQUIFAX LLC AND ALSO XXXX XXXX PRESIDENT OF XXXX XXXX  XXXX AND CORPORATE CHIEF CLIENT OFFICER OF EQUIFAX, ALONG WITH XXXX ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT EQUIFAX AND ALSO XXXX XXXX XXXX VICE PRESIDENT AT XXXX XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!
Product: Credit reporting or other personal consumer reports

I have contacted XXXX, Experian, and XXXX regarding the inaccurate addresses, phone numbers, employment and a multitude of other inaccurate information. I have reached out and explained to each of the bureaus about identity theft and fraud that occurred during the pandemic & after. I have faced challenges disputing unauthorized credit cards and car loans opened in my name. Despite me providing proof of their actual address and documentation, the issue persists, and I have promptly reported the fraud and misuse of my credit.
Product: Credit reporting, credit repair services, 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. 
XXXX. XXXX XXXX XXXX XXXX -Account # XXXX XXXX. XXXX XXXX XXXX / XXXX - Account # XXXX XXXX OF XXXX XXXX XXXX - Account # XXXX XXXX OF EDUCATION / XXXX XXXX Account # XXXX XXXX. PORTFOLIO RECOVERY - Account # XXXX15 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: Debt collection

I keep getting phone calls from Mariner Finance saying I have a loan with them. They have reported it to the credit bureaus. They claim there is no credit application and say I havent signed anything. They claim a check with my name with thru a bank but doesnt have my account info on it. They wont send me a copy of the check. They tell me and the credit agencies that I have a past due loan but claim they dont have my signature or bank info on anything. 
I need it taken off the credit reports of all credit unions and credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( Experian & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( Experian & XXXX  ) Identity Theft Account : XXXX XXXX XXXX  ( Experian & XXXX ) Inquiries : XXXX XXXX XXXX ( 2 Times )XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX