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

i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH XXXX, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Product: Student loan

My loan servicer AES will not follow up with the lender XXXX  ( XXXX XXXX XXXX ) about my application for cosigner release. I meet all the requirements they advertised to qualify for cosigner release and XXXX XXXX tactic now it to just ignore the application, which was sent almost a year ago now. Whenever I ask for a status update from AES they give me the dismissive response that " the lender hasn't replied yet, sorry ''. Cosigner release was a advertised benefit of good payment history and good credit. It is false advertising to then ignore and deny applications for the benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been dealing with unauthorized use of my personal information which results in unauthorized items on my credit report.
Product: Credit reporting

Credit report shows zero balance for XXXX Service Center in New Jersey. In reality, we owe well over {$400000.00}. The credit report also shows that we have not made any payments, in reality we have paid our mortgage in full every month. This erroneous information is preventing us from refinancing our current mortgage. We are told by XXXX that there is no one to speak to regarding this problem, all correspondence must be done through fax. We did file for Chapter XXXX in XXXX of 2010. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX 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 XXXX 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 XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whoever is trying to resolve this problem at Experian opened up a dispute to change my name today XX/XX/XXXX but are not addressing the issue correctly. Why are they so confused when I was crystal clear? They're not giving me an opportunity to correct this and in their doing so without proper understanding of the problem, they still left out the name that is displaying as my default name. They're listing the original name twice and not the name in the middle that I reported about. 

They claim I never told them of my name change, and someone is lying because I found the document on my computer. XX/XX/XXXX was the date. I'm attaching it and I put the name you left out in RED on the 2nd page of the PDF. 

Look, this isn't rocket science, but requires someone to pay attention and notice the order of my name changes. Count the E 's. I do not have to upload court-orders and they're not providing me a way to do so anyway. They're manipulating the Experian database. This is unreal and given the attitudes of people answering the phones, I will not call Experian again. They don't tell the truth, they're argumentative, and are trying to get away with doing nothing but telling me to call creditors for this problem in their database. 

I am NOT calling creditors. I know how this works. They can not change how you're propagating fields in your front-end user interface. I do not know which one ( s ) keep sending you that name and I don't believe they are. Those accounts will sit there until XX/XX/XXXX when I plan to get them off my report for good. 

CFPB, I read that you're supposed to do something besides pass these complaints back and forth. Are you the XXXX or what? You do enforcement that I require here. This is violating the Rehabilitation Act and the Americans with Disabilities Act, because I'm XXXXXXXX XXXX XXXX. It's also violating the Fair Credit Recording Act. It has cost me credit, given me headaches, confused other bureaus, threw me into the hands of attorneys who refused to help because of the reason I changed my name, and held up my ability to obtain a mortgage. That was with Veterans United who took 2 months to straighten out this name nonsense to get my credit score. Current mortgage company was confused for a bit as well. 

It's nobody 's business why I changed my name, let alone twice. It was for very personal reasons and won't happen again. It wasn't malicious or fraudulent. I did it by the book and through the XXXX court system. What is being done at Experian is intentional & malicious. Whoever that is opens disputes & closes them without my interaction. FULL STOP! If I call, I won't get that individual who knows how to do it. Really, ladies & gentlemen, I'm too old for this nonsense and I'm being stressed/worn out on purpose.
Product: Debt collection

This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
Product: Credit reporting or other personal consumer reports

It was XXXX loan from XXXX and they sold my information to another solution company deft collect company with out my consent and now report ai a vantage report late payments and wrong information on my credit report when acct was in good standing and no late payment
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of the fraudulent account ( XXXX XXXX XXXX ) from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

This account was opened without my consent and is negatively impacting my credit. Please investigate and remove it promptly, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). Additionally, I have attached my FTC fraud report to this message. Provide written confirmation of removal, as stipulated by FCRA Section 611 ( a ) ( 2 ). I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX. 
This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to repair my credit rating after a long illness. One of the main reasons that the credit reporting agencies state for my low rating is that I have no mortgage experience. My last mortgage was in 2004. I currently own my home free and clear. Why is this being held against me? I would think this would be a positive rather than a negative. None of the agencies will let me add a statement without paying. This practice needs to go.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute the fraudulent account reported by LVNV Funding LLC on my XXXX credit file. This account is not mine and is a result of identity theft. Below, I have outlined the applicable federal and state laws that support my dispute and request for the immediate removal of this account from my credit report. 

Account Details : Source : XXXX XXXX : LVNV Funding LLC Address : C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, SC XXXX Business Type : XXXX Balance : {$500.00} Applicable Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information resulting from identity theft within four business days of receiving proof of the identity theft and a police report.

15 U.S.C. 1681i : Credit bureaus must investigate disputes and correct or remove inaccurate or unverifiable information, typically within 30 days. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : Prohibits debt collectors from communicating with consumers after being notified that the debt is disputed and the consumer requests cessation of communication.

15 U.S.C. 1692g : Outlines the requirement for debt validation and mandates that debt collectors cease collection efforts until the debt is verified.

3. Georgia State Laws : Georgia Code 10-1-393.8 : Protects consumers from unfair or deceptive practices in the collection of any debts, including those resulting from identity theft. 
Case Studies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case highlights the responsibility of credit reporting agencies to reasonably reinvestigate disputed information. 
XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case underscores the importance of consumer rights in disputes involving identity theft and the obligations of credit reporting agencies under the FCRA. 
Requests : Given the above references, I request the following actions be taken immediately : Cease all communications to me regarding this fraudulent account. 
Remove the fraudulent account from my credit report. 
Provide written confirmation of these actions. 
I mailed a letter with my ID theft report and and the police report I filed regarding this matter. I sent this to your company back in May Failure to comply with these requests may result in further legal action to protect my rights under the FCRA, FDCPA, and applicable Georgia state laws. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Product: Mortgage

Hello, I am asking for some assistance regarding the property next to my primary residence. It is currently abandoned. My wife and I assisted the XXXX elderly XXXX american residents for the past XXXX years. Both recently passed. Upon their passing we learned that they had acquired a reverse mortgage from Champion Mortgage. As I understand it upon passing of the last resident the total amount of the mortgage is due. According to public documents my neighbors prepared a beneficiary deed naming XXXX women. Both are apparently unable to payoff the mortgage and have not been seen since the passing of our neighbors. I have been taking care of the property because the mortgage company shows no interest in upkeep. Repeated calls to Champion mortgage go unanswered. I am interested in finding out what is going on with this property since bills and delinquent notices are piling up on the front porch. This has been going on for more than XXXX months.
Product: Credit reporting or other personal consumer reports

I am writing to you to express my concern about the lack of responses to my queries. I have been waiting for a response for over XXXX  days and unfortunately I have not received any update.
Product: Credit reporting or other personal consumer reports

I need to all three bureaus to remove all incorrect addresses, name or information from my credit report. Im going to attach my drivers license that reflects my only address and my full name as it is.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation along with all records of who you spoke with their business address, name and phone number as well as documentation that proves this account was late if you can not provide me with this information in 15 days, update the account to paid /never late and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this compalint is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ), the Credit Bureaus are required to remove/block any accounts not later than XXXX business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information some XXXX XXXX provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the XXXX XXXX XXXX that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXXXXXX - {$0.00} XXXX - XXXX - {$680.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$10000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$480.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX  - {$540.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$800.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXX XXXX {$800.00} Late Payment XXXX XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} Inquiry 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 Personal Information Also Known As : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX suing me for credit card balance that i didn't owed., original creditor ( XXXX XXXX XXXX XXXX ) received/adjusted payment because i was reported those Fraudulent charges made due to ID theft. and i send all the documents including ID theft report to XXXX but they ignoring my request to close the case. 

They ( XXXX ) made my life miserable. I am a victim of identity fraud. I didn't owe any money to the original creditor.