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

all 3 cr burs are coming up with wrong info on me, there are no public records of debt, medical debt the creditor did not ans insurance co inquiry and i am not paying it so these need to be corrected, apt complex notify them that the debt was paid,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX 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 a loan with CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I talked to them on XXXX and was assured everything would be taken care of removed and adjusted. 

NOTHING HAS BEEN DONE!!! 
They removed XXXX the fees and didnt up my credit limits to what it was before I paid it off. 
Annual fee also needs removed No one wants to help me get this taken care of. They just yell and scream transferring me around. 
One rep called and said everything was going to be turned to {$0.00} and the card work. That was a LIE
Product: Checking or savings account

I am a senior citizen with a pending rental application for a property public aid housing. Compliance department for XXXX XXXX XXXX needs certain information from SoFi in order to process my file. During XX/XX/year>, I authorized compliance for XXXX XXXX XXXX and property management to obtain necessary information from SoFi bank. During XXXX, I placed several calls and even conference calls between all parties to get this finished. SoFi bank has failed to provide the requested information in order to resolve this last step of my housing application.
Product: Debt collection

My auto lender is harassing me. They call my phone XXXX to 4 times every single day
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Experian** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Request for Verification/Correction of XXXX XXXXXXXX Statement on Credit Report** Dear Sir/Madam, I am writing to request verification and correction regarding a XXXX XXXX  Statement that should be reflected on the credit report for **XXXX XXXX XXXX XXXX** The XXXX-1 XXXX  Statement was filed on XXXX XXXX, XXXX, with the XXXX XXXX XXXX XXXX under filing number XXXX XXXX 

Attached are copies of the XXXX XXXX XXXX and subsequent filings, including : - The initial lien financing statement filed on XXXX XXXX, XXXX. 
- XXXX restated collateral filings on XXXX XXXX, XXXX ( File Number : XXXX ) and **XXXX  XXXX, XXXX ( File Number : XXXX ). 
- A termination filed on XXXX XXXX, XXXX ( File Number : XXXX ). 
- An add collateral filing on XXXX XXXX, XXXX ( File Number : XXXX ). 

This security interest covers **all applicable collateral** as described in the attached filings and should be accurately reported on the debtors credit profile. Currently, it appears that this XXXX filing is not reflected on the credit report, and I request that you verify and update the report accordingly. 

Please confirm once the correction has been made. If additional information is required, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX XXXX XXXX ] **
Product: Credit reporting 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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603e in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

-Transunion , LLC : The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-XXXX  XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.
Product: Checking or savings account

These extra overdraft fees plus freezes on the account which caused other fees took place from XXXX XXXX XXXX  forcing me XXXX close my Wells Fargo accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems are reporting inaccurate information on my credit report and it is hurting my score, not only that it is hurting my reputation with my employer and financial obligations. This item that is being reported shouldnt be as a payment was sent to the original creditor in XXXX of 2022 in the amount of {$3300.00}. The original creditor sent the payment back and refused to apply the moneys owed. I spoke with the GM of XXXX XXXX and was advised that they would revise the return of the payment and apply it to the balance owed. The money was sent from XXXX XXXX XXXX XXXX it was for rental assistance, in which the company was obligated to apply. I thought this issue was handled until I started to receive multiple calls and voicemails a day from National Credit. They had repeatedly contacted me more than 3 times a day and leaving voicemails each time, in which is a violation of my consumer rights. This matter needs to be handled immediately, as I am not able to find a house because this inaccurate information is reporting on my credit report. I am also unable to accept a promotion at my job, which would greatly help my financial status because this inaccurate information being reported. As a payment has already been sent to the original creditor. If this isnt resolved immediately I will seek and obtain legal representation, and take both National Credit Systems and XXXX XXXX  to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the XXXX court asking do they report information to credit reporting agencies. I just got a letter back from them stating they don't, so if that is the case how did they get the info to report? They never did!!! Pursuant to 15 USC 1681 Sec 603 3 ( e ) the term investigative consumer report means a consumer report or portion thereof in which info on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have such knowledge concerning any such items of information. However, such information shall not include specific factual info on a consumers credit record obtained directly from a creditor of the consumer or from which a CRA when such info was obtained directly from a creditor of the consumer or from the consumer. 
How was a proper investigation done? 
This is how they violated me : given rights 15 USC 1681 sec 602 states that I have rights to privacy. According to 15 USC 1681 sec 604 ( A ) sec 2 it states CRA can not furnish anything without my consent. 15 USC 1681 ( a ) ( 1 ) you shall NOT furnish anything inaccurate
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX  account number XXXX please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXXXXXX XXXX XXXX ) XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXX MD XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting

While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law.
Product: Debt collection

I am writing regarding the debt listed under your name for {$1400.00}, which I am not liable for. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. Reporting this debt as mine constitutes a violation of my rights under the FCRA. 

I formally request the immediate removal of this negative and derogatory account from all credit bureaus. This inaccurate information is unfairly damaging my credit profile, and I expect your prompt action to correct this matter. 

Please provide written confirmation that this account has been removed. Should you require additional information or documentation, feel free to contact me directly. 

Thank you for your immediate attention to this matter. 

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

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

XXXX is reporting a Bankruptcy along with bankruptcy account on my credit report. This information does not belong to me and should not be on my credit report. I sent in numerous disputes and return XXXX stated that they verified this fraudulent error information. XXXX also stated that the they used a vendor to verify the fraudulent ERROR BANKRUPTCY. If XXXX would actually do their job. they will see that this is a mistake and that all errors should be removed immediately and blocked so that this does not occur again. Also XXXX claimed to have sent information on the verification but I have not received anything. Also XXXX is requesting a copy of ID ss card and proof address which I already sent. and will attach again.
Product: Debt collection

I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

Stenger & Stenger is supposedly a " Professional Law Corporation '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
Product: Mortgage

I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust. 
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor. 
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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: Mortgage

I have tried repeatedly over the last few months to have PMI removed from my mortgage payment, but the lender has made this process extremely difficult to complete. Most recently, I spoke with my mortgage servicer, XXXX XXXX on XX/XX/23 to pay for an updated appraisal on my property. On that date I spoke with a representative who took my bank account information and informed me that a draft of {$190.00} would be made to pay for the appraisal. 

When I called back on XX/XX/23 I was informed that the representative had never completed the payment process and that I would need to go through the payment process again before the appraisal could be scheduled and completed. This has led to a delay in having PMI removed from my mortgage payment and resulted in having to pay this fee for an additional several months.
Product: Mortgage

Our original mortgage was XXXX  XXXX  they put us in a bogus modification then turned around and made us sign a contract to keep our mortgage with a 60 year mortgage we just cant get above our principal mortgage was XXXX now after 20 years XXXX they had there hands slap and that was it then chase sold our mortgage to XXXXXXXX XXXX XXXX we have really high fees and always have to fight for our escrow I keep really close tabs on this and they always always say we are short not true now we have been bought out again by XXXX XXXX  and they say we are short again on escrow XXXX and owe XXXX in late fees not true our five r net needs to stop this predatory lending please help
Product: Credit card

At XXXXXXXX XXXX XXXX on Tuesday, XX/XX/XXXX, I received a phone call from XXXX regarding possible fraudulent charges to my Citibank credit card. In the past when there have been fraudulent charges, Citibank never initiated the call. The caller knew the first XXXX numbers of my credit card and asked about three different transactions, none of which I had made. I did not feel comfortable talking with the caller ( male ), so he supposedly transferred me to his supervisor, who also had a bit of an accent, The " supervisor '' stated his name was XXXX XXXX or XXXX. 

I then called Citibank. The woman I spoke with confirmed that they had NOT called me and they had no record of the XXXX supposed charges. 

Someone ought to track down that phone number and go after these scammers!!!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX there XXXX no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to settle an account with PENN CREDIT CORP and they still refuse to remove negative information even though this account was left on at the property after I moved out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have not only included the letter from XXXX but I am now going to include their faulty system in which XXXX claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.
Product: Debt collection

I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recover in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you