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

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Debt collection

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections that was paid in full and eliminate the balance and remove all negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX   " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Transunion Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX XXXX XXXX XXXX theft. I sent a certified letter to XXXX to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. This is pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires credit reporting agencies to block and delete fraudulent information within four business days of receiving proper documentation. XXXX failed to remove these accounts. I DEMAND that these accounts are deleted IMMEDIATELY!. The law states 4 business day. 

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 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, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX, and XXXX to dispute an error with reporting regarding 6 XXXX XXXX accounts post-Bankruptcy discharge. My bankruptcy was discharged on XX/XX/18, and these accounts still do not reflect included in bankruptcy, but are instead showing as charged off, and missing 6 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the complaint that I have filed with your company as well as my previous disputes with all 3 credit bureaus. These issues have not been resolved per my satisfaction no per the any FCRA requirements and this will be my last request before I file a lawsuit agains you as well as these reporting agencies.
Product: Credit reporting or other personal consumer reports

I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a XXXX dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to resolve this situation with XXXX who bought a old debt of XXXX that was left from an apartment that I owed 3 months rent on. They have continued to increase this amount from a frauded XXXX to XXXX which is unethical and wrong I have also tried to fix this situation with transunion and XXXX  and have had no resolution because they don't try to help you because they don't understand and you can't understand them. I asked where I have been calling because I'm getting horrible broken English and can't understand them they just read scripts and the representative told me XXXX. This whole situation is frustrating and unnecessary.
Product: Debt collection

Date : XX/XX/year> account XXXX I am filing this complaint regarding an inaccurate item on my credit report that. Continue to have a negative impact on my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ct. XXXX
Product: Mortgage

Great morning, On XX/XX/XXXX I started the process of doing a " Streamline '' refinance with Lakeview loan servicing LLC. All of the required documents were submitted within a timely manner. After receiving terrible customer service I requested that I receive new loan officer and/or loan processor on XX/XX/XXXX. I was totally ignored and they continued to put me on the back burner with no communication. I repeatedly tried getting updated on the status of my refinance from my loan processor and loan officer but they kept giving me empty answers. They also started blaming each other for my inconvenience and sending me back and forth. Prior to XX/XX/XXXX they no longer answered my emails or phone calls and they started blaming the title company and my 2nd mortgage lender for my inconvenience. Eventually I reached out to the title company and they let me know that Lakeview loan servicing LLC informed them that I was doing a regular refinance so they were waiting for my credit report and property appraisal. Lakeview loan servicing LLC misinformed them because a " streamline refinance '' does not require this paperwork. Lakeview loan servicing LLC also told me they sent paperwork over to my 2nd mortgage lender for the subordination letter. I reached out to my 2nd mortgage lender and they confirmed that they never received any request from Lakeview loan servicing LLC ( I have this documented via email ). After this tedious process of finding out I have been getting lied to I let Lakeview loan servicing LLC know that I am aware of the inaccurate information given to me. Now here it is XX/XX/XXXX and I still have not closed on my refinanced loan because they are saying my file is closed because my XXXX payment went through on the XXXX of XXXX which is outrageous. My payment was made in XXXX and I should have already closed on my loan months ago because minimum information is required for a " streamline refinance ''. This is my first home as well as first refinance and Lakeview loan servicing LLC has emfacticly under served me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported an unauthorized inquiry to equifax on XX/XX/2021. i did not give permission to report. 
i submitted a FTC report and sent it to equifax on XX/XX/2021. no response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX has been harassing me about an auto loan that has absolutely isn't mines I have taken several different steps of communication with the company, but they insist on trying to retrieve monetary profits. ( {$19000.00} ) to be exact now I am taking XXXX! on this manner filing a complaint. It has been an ongoing issue for the few years and they will not budge.
Product: Debt collection

They will call me from XXXX or later. I have an App on my phone to block their calls. This gives them a list of times and dates when they have called. I do not answer my calls to them and they have called me from all different types of numbers outside of my state. I have not enough to pay them the minium since I work retail and have mini wage jobs.. I have XXXX jobs just to try to stay afloat to pay for rent, xcel, phone, car and internet ... .. They came to my home today with papers for me.
Product: Credit reporting or other personal consumer reports

XXXX & other reporting Agencies report my name as XXXX XXXX XXXX & / XXXX XXXX but it should only be reported as XXXX XXXX XXXX I have never been used any other way XXXX XXXX  XX/XX/XXXX Hard Inquiry Address XXXX XXXX XXXXXXXX / NOT AUTHORIZED XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Hard Inquiry NOT AUTHORIZED ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX & XXXX NOT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XXXX XXXXXXXX XXXX/ Derogatory Also there should be no other address listed except XXXX XXXX XXXX XXXX, XXXX But they have unauthorizedly been reporting several they have not been authorized to report such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ME XXXX as well as an employment job referencing XXXX Moving and has never been given authorization to use
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 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

XXXX/XXXX  have recently reported myself & my husband as 30 days late for XX/XX/2017, on both of our credit profiles. This is ABSURD, as I have always made my payments on time and am showing a status as " current and up-to-date '' each month, on my credit profile from the date that they reported it until present. Please investigate. This is a fraudulent report!
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

This company is erroneously reporting information to the three credit bureaus ( XXXX, XXXX, XXXX ) and I need this damaging information removed, or I will have to resort to litigation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Any time I try to pull my credit on any websites it is unable to verify me. I know for a fact that I have credit history but any time I try to run a report online or in person it is unable to verify my information. The auto dealer shows that I have no credit history. I know for a fact I have credit history as I have paid an auto loan for 6 years and had a credit card in my name for 8-10 years. I have tried reaching out to my bank ( XXXX ), experian, XXXX, and XXXX and nobody has been able to help me. My bank told me that my address might be flagged for some reason. This issue is stopping me from doing things in my life.
Product: Credit reporting or other personal consumer reports

Over the past few years, I have repeatedly disputed these accounts with Experian. To date, Experian has neither provided proper verification of the accounts nor issued a 1099 form for the reported accounts.
Product: Checking or savings account

I had a dispute for {$2100.00} it was returned to me but the fraud department has my account locked since XXXX. They asked for id proof I sent it to them on the XXXX and then yesterday they wanted me to resend the proof now theyre saying I have to wait another XXXX  days. My bills are due and I have no money for food.please help fix this issue Thank you XXXX XXXX Its current bank XXXX XXXX
Product: Mortgage

My house burned down and us bank received the money from the insurance company. The amount they received exceeds the.loan amount. They refuse to send me.the money. 
I can not get them to send my builder a deposit to start construction. I have submitted every document they asked for. 
Please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be removed promptly. 
XXXX XXXX XXXX XXXX XXXX ; DEPTEDXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was repossessed on XXXX XXXX, XXXX. I was out of work and could not keep up with my payments. I am now actively working and there will be no more issues. I was not notified by certified mail 10-days prior to the car being repossessed as required by Maryland law. I have paid all my past due payments and my loan is current until my next payment of {$460.00} is due on XXXX/XXXX/XXXX. The loan company is charging me a {$450.00} repo fee but since I was not notified that my car was being repossessed I am not obligated to pay this fee since I was not notified in advance. They will not release my car until this {$450.00} fee is to be paid. I have attached the only correspondence I have received from them which was after my car was repossessed. Also, attached are the receipts showing payment of the past due payments. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

The Company 's website incorrectly reports information regarding the amount they are taking from my bank account. Their excuse is that they sent me an email with the correct payment amount, but that still doesn't explain why their website is reporting false information. The Company sends the same exact email every month for years letting you know that your payment is being auto debited from your bank account and then expects you to notice that the final email notes a completely different amount for the balloon payment. However, anybody that relies on their website for this info will be given false information. 

As a result of their broken website, I incurred a {$35.00} insufficient funds charge from my Bank because I did not transfer the funds to my checking account in time. I knew the balloon payment was coming and would have transferred the funds, but I checked their website prior and it incorrectly stated that only my normal payment amount would be coming out on the specified date. Their website is broken. I fully understand the terms of the balloon payment and knew it was coming, but the website did not give me a chance to prepare. 

As shown in the screenshot attached, I was presented with incorrect information stating that the 'Payment Amount ' was {$230.00}. Based on this information, I assumed I would be making the XXXX Payment as a separate debit from my bank account, rather than the monthly AutoPay on XX/XX/. 

The Autopay authorization on their website also makes it very unclear that the balloon payment will be taken as an AutoPay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talk to the consumer with no luck also talk to credit report I have taken care of all they wanted but yet to change my report also they are wrong only one of the reporting place have this other have no record of problem trying to buy a house need this resolved
Product: Credit reporting or other personal consumer reports

Experian keeps filing up reporting information on my credit report they had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but for some reason its not on there anymore XXXX needs to be placed back on my info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as its personally causing harm to accounts that should be reporting but with this missing XXXX XXXX XXXX needs be fixed ASAP so accounts report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX  Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF ED/XXXX Account # XXXX, U S DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent Transunion, XXXX and XXXX a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them 6 months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.
Product: Credit card or prepaid card

In XXXX, XXXX, & XXXX of XXXX the beneficiary/living woman XXXX XXXX XXXX XXXX has sent multiple negotiable instruments monthly to Citibank Card Services to settle the full balance and to reopen my credit card account of the created debt and have never received a reply, which was required, neither received any of the instruments back which means that the account is satisfied in full per UCC 3-603. 

In XX/XX/2022 I also sent an affidavit to Citibank Card Services in which it was not rebutted point-by-point as they never responded. 

With my XX/XX/2022 remittance coupon, I've sent a notice to Citibank Card Services informing them that according to USC 1693o-1 Remittance transfer, the purpose of this law is to accept my remittance slip as payment for this XXXX bill statment. According to 12 CFR 1026a Billing Error Resolution, by law, creditors ( Citibank Card Services ) can not pursue adverse action against me ( by shutting off and or closing the credit card account ) 15 US Code 1666 correction billing errors. I also informed them that failure to comply by not accepting my payment will result in further legal action. 

Citibank Card Services has rejected my remittance coupons for XXXX, XXXX and XXXX which is fraud and discrimination leaving my account with a balance of {$4400.00}, which was already paid in full. Citibank Card Services has also failed to uphold their relationship as the trustee to the trust and have not acted in the best interest of the beneficiary ( me ) which is considered fraud and discrimination. 

Citibank Card Services also refused to accept my Negotiable Instruments as payment but never returned any of the XXXX negotiable instruments sent via certified mail, therefore, that is acceptance for value per UCC 3-603. The payments have been made in full three times and they have refused to place a {$0.00} balance on the ledger paid by the XXXX and reopen my account as active. Lastly, since they fall under the UCC laws and accept Federal Reserve Notes, Checks and Money Orders, they also are supposed to accept my Remittance Coupon as an instrument of payment too according to UCC 3-603.

Citibank Card Services has committed fraud and discrimination against me multiple times and has also closed my credit card account and reported false information on my credit report to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my annual credit report and noticed several accounts i think were opened due to identity theft