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

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter to Experian, XXXX, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). Experian XXXX and XXXX have 30 days to respond to my dispute. This is the violation of my rights.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX XXXX XXXX XXXX was helping my son attain a car with me as a cosigner. The salesman told my son the car payment would be XXXX, verified by my other son, and i would be the cosigner. That night the salesman told my son if he drove the paperwork to my place of employment ( one hour away ) and had me sign as cosigner he could leave with the car that night. My sons drove the paperwork to me and i quickly signed, believing i was still the cosigner for a XXXX a month payment. When the bill arrived in the mail, it was in my name and the payment amount was for XXXX. I basically purchased the car. When my son found this out, he called the auto group and explained what happened. The manager told my son that the salesman no longer worked there and for him to make a couple payments and try to refinance the car in his name. This was for a XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

i already disputed this account. debt collector has failed to respond to my dispute. the account is not mine.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.
Product: Mortgage

I am an XXXX member of the XXXX. I purchased my home in XXXX, paid the mortgage every month as agreed till now. Unsure how Nationstar Mortgage damaged this consistent payment, but they stated i did not pay my Mortgage for XXXX, XXXX and XXXX of XXXX then reported me 120 day past due in my credit report. My bank XXXX faxed documents ( Bank Statements ) proving all payments were sent electronically directly to them on time. Multiple calls were made, 3 internal Nationstar investigations/research completed, with no conclusion other than letters from Nationstar threatening FORECLOSURE!!! Nationstar has not only cause Pain to me and my family mentally and emotionally they have disrupted my financial standing by double dipping in to my checking account causing overdrafts and NSF. After informing them that i have the Credit Trace and File trace number for all the transaction made, they informed me over the phone it will be adjusted. I requested all findings be forwarded to my email for proof to my employers ( XXXX ). How is it that this company gets to XXXX up with no consequences? the damage has been done to my family and way of living, the mental and financial scares are deep. What is even sadder is i literally have fought and continue to fight and placed my life on the line to protect the freedom they enjoy today. Months without my children and wife, yes i understand i chose this, but does that make it ok for them to treat me like an XXXX or second rate citizen? I plan on taking legal action, i need help please. 
XXXX in need.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are in violation of15 U.S. Code 1681A. The investigation took more than 30 days XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax via phone in XXXX in regards to removing fraudulent inquires that i never gave my consent. One from XXXX XXXX XXXX the other is XXXX. 

They didn't investigate therefore they didn't remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items wrong with my credit, There is 1 wrong employer listings that needs to be deleted 2 previous addresses that are not true and A XXXX XXXX I never signed for that needs to be deleted. I want to also validate 2 accounts and there is a charge off that is no true
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continuously reports my acct as delinquent and it is not. It had been rectified but is now impacting my credit incorrectly once again.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these are my name
Product: Credit card or prepaid card

XXXX XXXX is blocking third party apps from accessing financial information. Specifically the service XXXX
Product: Mortgage

I recently refinanced my Home Equity Line of Credit to a conventional mortgage with another banking institution. On XX/XX/XXXX the bank sent a payoff check and the letter to BSI Financial that I was no longer going to have a draft and that I was no longer accountable to there company. The loan was paid off in full to the amount BSI showed as the payoff amount. 
OnXX/XX/XXXX I received a statement showing {$0.00} principal with a previous payment of {$110000.00} paid to them. With a fiance charge of {$260.00}. 
I called on that same day spoke to a XXXX at the BSI Financial Company, asking why did I receive a statement for a payment due? When I had refinanced with another lender and they were paid off onXX/XX/XXXX. She stated that the statement was generated and sent out but, that I did not have a balance due on the computer she was looking at my account. So, I said so you are saying that you will not draft money from my account on XX/XX/XXXX. She said no they would not and that all was good. 
I went on about my business thinking everything was done. While checking my account on XX/XX/XXXX, I saw that BSI indeed did draft the funds from my account causing my account to become insufficient because I was not anticipating the draft. I called again and spoke to XXXX who stated that she would contact the payoff team concerning this. And that someone would contact me within 24-48 hrs. I called the next day again because I needed the money back in my account. I then spoke to XXXX onXX/XX/XXXX he stated this was interest they were collecting. I said how can you collect on a XXXX balance and I needed my money back. He stated that the quicker way to get my funds was to call my bank and dispute the charges. Because they were not a bank and could not cut me a check electronically. 
So at his advise did just that and the money was in my account the next day. 
Since then I have received numerous calls to collect the {$260.00}. They also have said through out these conversations that they did not receive the letter releasing me of bankdrafts. 
I called my bank and on XX/XX/XXXX asking them did they send the document concerning the cancellation of drafting. I signed this at closing. She stated that they sent it in with payoff check. Which we know that they received. I asked them to please resend it and they overnight again to BSI via XXXX. Received on XX/XX/XXXX by receptionist at XXXX XXXX. I have since received more phone calls saying that I owe this money. I do not believe I do. On XX/XX/XXXX I received in the mail a letter saying that they received a letter stating to change the Automated Payment Plan as of XX/XX/XXXX. So, I do know they received that letter. Since then they are still calling. Today I received a letter saying I owed them a {$25.00} NSF for the funds they took on the XX/XX/XXXXwas NSF. I do not believe I am responsible for this fee due to the fact they should not have drafted the money in the first place. XXXX balance is XXXX.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to TARGET/TD. I am seeking the correction of inaccurate and fraudulent account in my credit reports to accurately reflect the correct information. I assert that the account in question made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of inaccurate and fraudulent account in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concerns with Mr. Cooper and their unfair credit reporting processes. 

I paid my account within 30 days XXXX XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner.

My payment was reported late for 9 consecutive months.
Product: Debt collection

ARS ( Account Resolution Services ) is a debt collector and ARS has been harassing me for a long time to pay a debt that I do not owe nor am I obligated to pay. ARS has invaded my privacy and used abusive, deceptive, and unfair practices in an attempt to collect a debt not owed. Ars has harmed my reputation by reporting alleged debts to XXXX, XXXX, and XXXX. ARS has used obscene language through mail communication to harass and XXXX  me. ARS has produced false representation of the character amounts and legal status of alleged debts. ARS has communicated false credit information about me with XXXX XXXX, and XXXX. ARS has furnished deceptive forms in an attempt to collect an alleged debt not owed. ARS has violated several fair debt collection practices act laws such as communicating without prior direct consent in connection with the collection of alleged debts to third party reporting agencies. ARS has used unfair practices by using symbols on envelopes in communication with me the consumer through the mail indicating debt collection. I have received adverse actions when extending credit due to the alleged debts purported by ARS to consumer reporting agencies and other individuals. I am a consumer pursuant to 15 USC 1692a3 protected under the Consumer Credit Protection Act laws which Account resolution services have violated. I have attached supporting documents and exhibits in my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has had my account frozen and... " In Dispute ''... for over 4 months. I can not even get a response. I am on hold till they obey the law.
Product: Mortgage

I have been trying to catch up they refused to apply payments to my account ihave paid XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

showing inaccurate information on credit report ftc violation fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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. 
XXXX 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 XXXX : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Credit Reporting Act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. This agency does is not licensed to collect in my state per XXXX website
Product: Credit reporting or other personal consumer reports

Violation of privacy act of XXXX, pursuant to, title XXXX of The united States XXXX of copyright infringement and copyright act of XXXX.
Product: Credit reporting or other personal consumer reports

I called and provided 15 US Code 1681b and put in a disputed asked XXXX and Experian to remove the XXXX XXXX from my report because I never provided written consent. After my dispute was entered my score dropped XXXX points. Both agencies act like they were not familiar with the code, switching my words around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already attempted to contact Ad Astra, XXXX, and XXXX about this account. 

1. Date opened is inaccurate.

2. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.

4. Ad Astra is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that XXXX  and XXXX  is allowing AS AStra to commit.
Product: Debt collection

I called in to Wakefield and Associates and settled a medical debt on XXXX, payment was taken out of my account on XX/XX/12. I called in again on XX/XX/XXXX, to see why it is still actively impacting my credit shown on XXXX XXXX, the representative XXXX advised that it was noted that I called and settled but not that payment was received when it in fact was.
Product: Debt collection

I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account
Product: Credit reporting or other personal consumer reports

I submitted in writing for the three credit bureaus XXXX Experian and XXXX to be removed off my credit report. The U S Bankruptcy verified they do report to the credit bureaus. They refused to removed the bankruptcy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX {$7500.00} 2. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.