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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX Funding Date Opened XX/XX/XXXX Balance {$430.00} XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$250.00} XXXX  Date Opened XX/XX/XXXX Balance {$340.00} XXXX XXXX XXXX 
Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/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: Mortgage

Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. 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 : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequium is going from Agency to Agency reporting an account that isn't mine. It's predatory.
Product: Mortgage

XXXX XXXX Loan care servicing took over my loan from XXXX because of their Bankruptcy, they have exorbitant and unfair fees if you call in your loan payments AND they charge fees unless you pay by the 4th day of the month, even on line. 
XXXX did not have these fees. I feel they are unfair servicing fees I think they should be investigated. 
They also have upped my payment much more than they need to for escrow shortages, I have done the math and its incorrect. They are getting away with this kind of thing with everyone I am sure not just me. 
You also cant get any real help from their customer service people, they wont put you through to supervisors they just leave you on the phone hanging on. 
They need to be investigated for all their tricks.
Product: Debt collection

I received a debt letter dated XXXX XXXX 2016 for a hospital debt of {$660.00}. I asked for the details and was sent the details on XXXX XXXX, which had my name BUT no other details matched. SO I am totally perplexed as to XXXX debt collection works. Was this debt collection notice sent to me just because the name matched? No one bothered to check anything else
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiry was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiry listed below : Employers : XXXX XXXX XXXX XXXX LA XXXX INQUIRY : XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I notified XXXX XXXX XXXX XXXX that I was a victim of identity theft and disputed a fraudulent account associated with a credit card ending in XXXX. This account, with a balance of {$1700.00}, was opened in XX/XX/XXXX without my knowledge or authorization while I was incarcerated from XXXX to XXXX. I have never applied for or opened an account with XXXX XXXX XXXX XXXX, nor did I authorize anyone to obtain credit in my name. 

As part of my identity theft claim, I filed a police report and submitted an Identity Theft Report to the Federal Trade Commission ( FTC ). XXXX initially removed the fraudulent account from my credit report in XX/XX/XXXX, but it was placed back on my credit report in XX/XX/XXXX. XXXX later claimed that a member of my household or family, listed as an authorized user on the account, had benefited from the activity. They stated this was a civil matter between myself and the individual involved. 

This explanation is both erroneous and unacceptable. I did not authorize any person, whether related to me or not, to open or use an account in my name. XXXX assumption that I may be responsible for the account due to my last name is both unfair and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Steps I have taken : I filed a police report and an FTC Identity Theft Report. 
I have disputed this account multiple times directly with XXXX XXXX XXXX XXXX. 
I provided documentation proving I was incarcerated during the time the account was opened and could not have authorized its creation. 
Despite these efforts, XXXX has failed to resolve this matter. Their actions have caused significant harm to my credit and financial reputation, and they have not provided evidence to substantiate their claim that I am responsible for the account with a balance of {$1700.00}. 

I believe XXXX handling of this matter demonstrates willful negligence and a disregard for my rights as a consumer. I ask the CFPB to intervene to resolve this issue promptly and fairly. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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  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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? These mentioned items should be deleted right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX I submitted a payment to go through on XXXX to fully repay my loans of over {$250000.00}. The same day I contacted customer service to make sure the payment would go through from a XXXX investment account. I was contacted on XXXX that they payment would not go through and had to come from a bank account and I had to transfer the funds from XXXX into my bank account. On XXXX the day the payment was scheduled to go through it did not. On XX/XX/XXXX we transferred the funds from XXXX into our bank account and scheduled another payment in full to Navient. On XX/XX/XXXX the original payment went through and the second payment in full was listed as pending. We called Navient to put a stop on the second payment ( customer service was closed ), I wrote an email and my husband  contacted his bank to put a stop on the payment which they said they would do. On Monday XX/XX/XXXX the payment was still listed as pending but we were assured from the bank that the second payment would not go through. On Tuesday XX/XX/XXXX I checked my account and it said both payments were fully processed - an overpayment it {$250000.00}. I called Navient to understand why the stop never happened on either side and all they told me is that it would take 10 days to fully process the transaction which they will and another 3 weeks to get the money back. This is outrageous and fraudulent behavior - absolutely criminal. 

The company misled me to believe that it was not possible to pay from my XXXX account and then proceeded to not only charge this account but then process an overpayment of over {$250000.00} when I cancelled the payment both from the bank and on their site.
Product: Checking or savings account

i opened a checking account with wells farggo and did a ACH transfer from my other bank ( XXXX XXXX XXXX into my wells fargo account for the amount of XXXX on XX/XX/2022. the same day they closed my account at wells fargo before the cash hit the account. the money was not returned to my other bank. i called wells fargo and was told it was held at the XXXX XXXX and was giving a tracking number which didnt work. called back a week later and was told a case was open about it and still now 2 weeks later havent received the money back
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. 
I demand these companies to handle the items expeditiously based on the reasons that I put in my letters and update all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. items I disputed in my letters
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Our loan is approximately XXXX years old now, and I have missed only XXXX payment, which I contacted the loss mitigation dept, made a deal and fulfilled the deal. How- ever, the XXXX not knowing what the right or left hands are doing, held my payment in suspense until they decided to post them. Thus showing on my credit report that I was late more than once. I was informed by the loss mitigation dept that by completing the agreed upon terms that there would be NO impact on my credit. 
Wrong! Then sometime in XXXX XXXX it was decided to do an audit of my account, where lo and behold, I am found to be in arrears on my escrow to the tune of $ XXXX. Now XXXX XXXX wants an extra {$450.00} per month, to bring my account up to date by next XXXX. All this because someone using an algo rhythm (? ), to determine what my increase should have been. 
I will submit my insurance carriers name and the agents phone number to prove that in fact, XXXX my insurance dropped, and then again this year dropped by over {$600.00} per year, plus it will drop again in XXXX. I can also provide the number to the local court house, treasurers office to prove that my property tax dropped last year. 
I have also recently been made aware that XXXX XXXX has had it seems several class action lawsuits for this same behavior since XXXX, perhaps longer. 
I filed this same claim in XX/XX/XXXX, and the only response I've seen is that they responded. It seems to me that they can talk a good talk, and even try to convince me over the phone that they are right, but I have bank statements showing all payments made and check cashed dates from XXXXXXXX XXXX If I think of something else, I will amend this form. I almost forgot, I now have a letter stating that my account is in serious default. They want {$500.00}, plus a new payment of {$1800.00} per month. Our current payment is {$1400.00}, and we have other bills we're attempting to pay down as well, the other bills are our own fault, but neglecting them would be more than detrimental than just getting the problem fixed. We are living check to check with very little wiggle room, and definitely not {$430.00} per month.
Product: Mortgage

Specialized Loan Servicing took over servicing my business loan XX/XX/2019. They didn't have my proper EIN number so they started reporting under my SSN. I contacted them multiple times to have my EIN number updated. Finally in XX/XX/2019 they updated the correct EIN number. I have since contacted them requesting them to contact the credit bureau 's to delete the false reportings under my SSN number. They haven't done this and now when I am trying to refinance my house these loans are showing under my personal credit report and it's affecting my ability to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three certified letters to Equifax regarding collections below. I have asked to validate that the information that is being reported is mines, with signed contract or full account numbers etc. I have been getting letters stating that the collections have been validated but havent advised how they were validated, no new information has been sent to me and its been over 40 days. According to FCRA these claims needs to be removed.. 

Items in question XXXX XXXX XXXX XXXX XXXX$5600.00} XXXX XXXX  {$2900.00} XXXX XXXX  {$1200.00} XXXX XXXX  {$1100.00}
Product: Credit reporting or other personal consumer reports

All this companies are reporting hard inquiries that I did not authorize or did I consent to it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I disputed an account reported by XXXX XXXX for XXXX XXXX XXXX, I was informed in XX/XX/2018 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report, In XX/XX/2018, In accordance with the requirements of the FCRA, section 611 ( a ) ( 5 ) ( b ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days, Requirements relating to the reinsertion of previous deleted material. I am suppose to be notified within 5 business days. If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing no later than 5 business days after the reinsertion., or if authorized by the consumer, for that purpose by any other means available to the agency., I have received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that Transunion Credit agency delete this item from my credit report in order to avoid legal action. I have copied this complaint to the States Attorney 's office, XXXX XXXX XXXX, and
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 Experian REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.