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

XXXX this XXXX XXXX have been disputed numerous times with EXPERIAN and yet now still here we are over 105 days later it's still showing up on my Credit Report under a name XXXX XXXX which is also on my Credit Report! I've told them numerous times to REMOVE THEM BOTH filed numerous disputes and EXPERIAN ignored them! Who has a dispute investigation for over 3 months which they have on RECORD that I disputed them! By law it's only supposed to be 30 days but yet it's still there like if my life and family life is a joke. I'm also suing them and took legal actions against them for this it doesn't make sense so maybe they'll understand now. Please have them remove it immediately, they want me to wait another 45 days when I've waited over 105 days. XXXX got my score at XXXX OUTSTANDING
Product: Credit reporting, credit repair services, or other personal consumer reports

I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but XXXX and XXXX refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This debt was paid to XXXX already and should not have been sent to collections. I confirmed with XXXX that my account has no pending charges and that I have paid in full. GLA Collection Company, IN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX, reported falsely to XXXX that I have an account in collections. I filed a dispute and they lied to XXXX and said that the debt is being reported correctly. It is not being reported correctly. They did not investigate that this debt is not valid. They falsely claimed the debt is valid to XXXX.
Product: Mortgage

We took out a XXXX mortgage with XXXX, we missed a few payments so they sent our loan to a collection service. Which has been transferred many times. We are now with Green Tree Servicing LLC. When I log on to their website there is no account set up for us, so I am unable to even look at our account, I was able to pay by phone for the XXXX XXXX payments then they told me that the state of Colorado does not allow them to collect by phone, then they wanted me to set up a way to pay through our bank so that the bank could just send the payment when I requested. I could not even set that up my bank did not recognize Green Tree 's system. Now I have been told to send my payments via XXXX or XXXX XXXX, I was only able to get that to work XXXX. I now make my payments via money order. When checking my credit report it shows in the remarks charged off account. After going thru all the difficulties just to pay this debit off I am wondering if Green Tree Servicing LLC is a Legitimate company. I received a letter dated XXXX/XXXX/2015 in reference to Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If I have a complaint I can contact the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Credit Plus and XXXX. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, has violated my rights. I have never been late on these accounts You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I received an escrow account disclosure statement on XX/XX/XXXX, from Nationstar, now known as Mr. Cooper, in XXXX, Texas, that my escrow was short over a {$1000.00} ; then I received a mortgage loan statement on XX/XX/XXXX, that my escrow has a minus balance almost {$2000.00}. 

I do not understand how nor why there is a minus escrow balance. 

I am paying the mortgage amount Nationstar/Mr. Cooper states ( even when it goes up ), and, money is taken from my payment and placed into my escrow - why is there a escrow minus balance?
Product: Credit card

I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery Company ( ERC ) LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3100.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with Enhanced Recovery Company LLC. ERC does not have a contract with my signature and I do not owe them a debt.
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. 

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Equifax, There is a fraudulent hard inquiry due to identity theft on my credit report that was not authorized by me - that needs to be removed as soon as possible as it is damaging my credit. 

XXXX XXXX - XX/XX/2023 Attached to this is : - My complaint - My FTC complaint - My drivers license - My social security card - My proof of address
Product: Debt collection

I was told by a representative at XXXX that if I pay the money owed in full for both accounts, they would delete the accounts completely from my credit report in 30 days. I paid the company in full for the account in certified funds on XX/XX/2024 and the accounts still appear on my credit report. After they made an agreement with me that they would delete the accounts from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that there was a hard inquiry from Greensky. We had a remodeling quote recently done and when I asked, we were clearly informed it was going to be a soft inquiry and will not ding our credit report. Now it shows as a hard inquiry on my account! I did not consent for a hard inquiry. We didn't even go through with the renovation. This should be deleted because this is completely unfair, we asked and was told something else different.
Product: Credit card or prepaid card

I have consistently stated amount of debt on capital one CC was incorrect and has had a XXXX balance for over a month. Neither XXXX  XXXX  or XXXX   seems to correct there score and debt owed. I paid down on XXXX XXXX   {$7000.00} on car loan with a balance of {$2500.00} approximately and they refuse to correct They bounce my credit score up and down 20-50 points every few weeks. I report they sometimes fix but the next reporting period drops down for NO apparent reason Please let them know
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Inquiry - XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my Experian and XXXX credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.
Product: Mortgage

Spoke with XXXX at XXXX XXXX on XX/XX/year>, she said that if I will make nine months of the mortgage payment, The legal fee, the late fee, Inspection charges, and late charges will waived. The nine months of mortgage payment was made on XX/XX/year>, I did send a fax, Cfpb complaint, XXXX compaint, on XXXX website, on XXXX, on XXXX as well, and all the fee is still not waived.
Product: Checking or savings account

We have used the XXXX credit card acct for almost 20 years and we have recd no distributions nor any response from the company. We only have {$2500.00} in the account and have no way to access the acct nor been able to contact anyone from the company. We have been dealing with this issue for over a year.
Product: Credit card

On XX/XX/year> I paid in full my card {$1000.00} On XX/XX/year> the automatic payment has been applied and I have charged an additional {$25.00}. 
There are several other CC that do the same, and it could last months to refund the overcharges, w/o paying any interest for those money. 
Communicating through email with this CC is not available. If Calling it takes very long waiting times.
Product: Credit reporting or other personal consumer reports

I wanted to follow up regarding my previous complaint about being a victim of identity theft. I'd like to bring up FCRA Section 605B, which can be found in 15 U.S.C. 1681c-1. This section mandates that Credit Reporting Agencies must eliminate and prohibit the inclusion of any items listed in an identity theft report. I've attached some documents to assist in the process of blocking and removing the inquiries that are appearing on my credit report. Below, you'll see a list of the unauthorized inquiries that have been documented in my credit history : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX | ACCOUNT # : XXXX | {$2400.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$730.00} XXXX, XXXX | ACCOUNT # : XXXX | {$1000.00} XXXX XXXX | ACCOUNT # : XXXX | {$0.00} XXXX  | ACCOUNT # XXXX XXXX | {$0.00} XXXX/XXXX  | ACCOUNT # : XXXX | {$0.00} XXXX XXXX XXXX XXXX | ACCOUNT # XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$620.00} XXXX XXXX XXXX | ACCOUNT # : XXXX | {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX unverified account XXXX XXXX XXXX XXXX XXXX # XXXX unverified account Bankruptcy chapter XXXX-discharge # XXXX unverified account Please remove all none account holding inquiris.
Product: Credit reporting or other personal consumer reports

I was looking at my XXXX XXXX XXXX XXXX report and noticed there are inaccuracy in my report. Please investigate
Product: Student loan

My student loan servicer is FedLoan Servicing. I am working to achieve Public Service Loan Forgiveness ( PSLF ) on my student loans. PSLF requires 120 on-time monthly payments. Due to low income and family size, my monthly payment was set at {$0.00} from XX/XX/XXXX until XX/XX/XXXX. During that time, I should have received credit every month for on-time payments even though the payment required was {$0.00}. However, on my Fedloan account, I am not receiving credit for about 15 months of {$0.00} payments ( XX/XX/XXXX - XXXX XXXX, XXXX XXXX, and XXXX XXXX - XX/XX/XXXX ). I have contacted Fedloan Servicing a few times about this issue. Each time I call, they assure me that the problem will be resolved and that I should receive credit for those months but, I never do. Each Fedloan employee I have spoken to reviews my account and can see that I have called before and the actions taken by previous employees and they say that " this time '' it will be fixed. It is still not fixed. On XX/XX/XXXX, I was told that my account would go through a qualifying payment review and the process should only take a couple months. As of today, XXXX XXXX, XXXX, a Fedloan employee is still unable to give me any information about the status of the review.
Product: Credit reporting or other personal consumer reports

I LOOKED ON MY EQUIFAX CREDIT REPORT AND SAW A COLLECTION ACCOUNT. THE COMPANY NAME IS XXXX XXXX XXXX. THE ACCOUNT NUMBER IN QUESTION IS XXXX. THE AMOUNT WAS FOR {$53.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Product: Debt collection

I received a debt collection notice letter on XX/XX/XXXX dated from XX/XX/XXXX. XXXX saying If i don't respond to it by XXXX XXXX XXXX that they'll assume the debt is real. This is from XXXX XXXX XXXX claiming I owe {$420.00} to PayPal , Inc . This is not my debt I've never made any such charges and I always pay Paypal instantly. This is a scam charge and fraudulent. They are hoping someone isn't paying attention and just pays the debt without investigating. I don't have such account with PayPal and I never made a charge in that amount. This is a scam and/or identity theft.
Product: Mortgage

MY FATHER DIED XX/XX/XXXX & MY MOTHER DIED IN XX/XX/XXXX ... LEAVING THE HOUSE AS AN INHERITANCE TO ME, THE MY MOTHER 'S ATTORNEY PUT THE HOUSE IN MY NAME & I LIVE THERE FOR 8 YEARS WITHOUT MAKING ONE SINGLE PAYMENT ... NO ONE TOLD ME THERE WAS A MORTGAGE ON THE HOUSE ; IN SPITE OF ME HAVING POWER OF ATTORNEY, EXECUTIVE OF ESTATE, OR LEGAL RIGHTS TO THE HOUSE & I NEVER RECIEVED ANY MAIL IN MY MOMS NAME & NEITHER MY NAME STATING WE OWED OR THERE WAS A PAYMENT ... WE HAD THE SAME PHONE NUMBER & ADDRESS & THE COMPANY WHO IS TRY TO TAKE OWNERSHIP OF MY HOUSE NEVER SENT US ANY KIND OF CORRESPONDING COMMUNICATION AS TO WHO THEY WERE CLAIMING THIS ANORMOUS BILL WAS OWE ... THE FINALLY, SENT ME A LETTER IN SOMEONE ELSE 'S NAME & CLAIMED IT MUST WAS AN ALIENS I WAS USING! THE LAWYER WAS IN ON THE SCAM WE BELIEVE WE WERE JIPPED OUT OF OUR MOTHERS HOUSE ... .THE NAME OF THE COMPANY IS OCWEN LOAN SERVICE & WE ARE IN DESPERATE NEED OF HELP TO FILE A CIVIL LAWSUIT TO GET OUR PROPERTY BACK..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Wells Fargo Card Services. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never authorized this account to be put on my credit report. Attached below are supporting documents. A letter was sent to the company requesting for the validation of the alleged debt and also a confirmation of arrival via USPS certified mail.