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

I am the victim of identity theft. I have sent XXXX XXXX certified mail, return receipt mailings, asking them to provide proof that this is my debt, such as my signature and to date, they have not responded. Also, I am providing a partial copy of my Equifax credit report, showing that a payment has been made on the account on XX/XX/2017 AFTER the account has been charged off. Under the FCRA 605 ( c ), this is a violation of my rights by trying to " re-age '' this account by falsely updating the last date of activity on my credit report in order to keep reporting the negative information longer. I did not make a payment on this account. and want this unverified account removed immediately from all of my credit reports.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this complaint... I am not using a third party agency. I have sent in disputes to experian asking them to delete a charge off and a repossession off of my consumer report. I have asked them to please provide me with the method of validation, I would like to know the steps that was used to validate this debt I need all correspondents of who you spoke with their phone numbers and email address, etc. experian does not have 30 days to respond they have 15 days to respond. simply matching a name and date of birth is not enough to say that they have validated the debt that they perceive to be mines. I need to know the method of validation. I also wanted to make note that my last date of activity is inaccurate. my last date of activity is being updated continuously on a repossession and a collection/chargeoff account which is inaccurate because that falsifying date of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX  - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

Diversified Consultants - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX  - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Product: Mortgage

Ocwen Mortgage loan services, foreclosed on my home, 2 years ago. I hired XXXX attorneys, cost me {$32000.00} in fees. Was evicted by the police department, was given 2 days to get my things out, the undersheriff said we could have more time, but the cop that was pushing for the eviction was doing this on the side, using is badge and XXXX as intimidation. Had another company working to keep us from getting evicted, they said we were good, the court must of got the writ to stop eviction, because the police were not back to get the keys. That mortgage company told me to put my things back in the garage, it was done. The next morning XXXX dumpsters showed up, and the clean up crew. A friend of mine that was a XXXX was helping me with some stuff at my house, he approached the clean up crew telling them it was stopped and they called that cop, and he called my wife and cussed her, and threatened to arrest her and our friend and road raged her as they were down the street. And he is an officer of the law or is he above the law? Our friend that was a XXXX called the undersheriff and asked if we could get the rest of our stuff out, and the undersheriff said he would have the crew put it all in the garage. Well we came the next day, and the undersheriff lied, they stole our prescription drugs, TV, bikes, clothes, food and threw everything thing else in the dumpster.
Product: Credit reporting or other personal consumer reports

I requested 3 times, the original contract, the deficiency balance report, and well as information regarding the gap insurance. This is now 90 days later, 3 dispute letters later all certified mail. And the account is still reporting incorrectly on report I have sent a letter to the original creditor, the 3 credit bureaus and now the cfpb on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. This account # XXXX from XXXX XXXX svc is completely and totally inaccurate and is a direct violations to my rights under the fcra, I demand this account be removed across all three credit reporting agencys ( Experian, Equifax, transunion. )
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

This debt has previously been attempted to be collected. I have filed two complaints with CFPB regarding their credit reporting tactics. This has popped up on my credit as a collection when it has been communicated to me that it would not be. This needs to be removed due to the misleading and dishonest collection tactics. Attached are copies of the previous complaints for the same exact reason, which was remedied in my favor. Please remove the collections from all credit bureaus and cease further reporting in the future!

This should not have been reported to the bureaus and needs to be removed IMMEDIATELY just as the previous collector determined was the appropriate thing to do. DRS is in violation of Cal. Civ. Code 1788.14 andSection 605 ( a ) ( a ) of the federal Fair Credit Reporting Act ( 15U.S.C. Sec. 1681c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I received Experian 's response to my complaint on XXXX/XXXX/2021 Company 's Response " Thank you for submitting your complaint on XXXX XXXX, 2021 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you would like the method of verification used to verify information on your credit report. You also request original signatures or any tangible proof that verify the accounts. But, you do not mention which disputed items you are referring to in regard to the previous investigations. At this time, we are unable to process your disputes, as they are not specific '' There has been corresponds via letters and CFPB 's portal numerous times between the parties. And each time I convey, with uploaded documents, I might add, that I want specific items removed off my credit report that are not accurate or can not be verified. Therefore, Once again, I will be sending Experian a certified letter with the exact same document that I will upload here. All we have to do is look at the history and the documentations. It states what I am disputing.
Product: Debt collection

XXXX XXXX, and Equifax received an Identity Theft Affidavit from me and refuses to remove the account. It was not blocked in era and if they believe it was Id like a senior member of their organization to sign an affidavit under the penalty of perjury stating this. They continue to play games and responded to my request asking for information already presented to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$1600.00} SHELLPOINT MORTGAGE SERVICING " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.
Product: Credit card or prepaid card

I payedoff my balance in the account and I didn't use my credit card for about 8 months or so. Suddenly, I noticed three hits in my credit score for late payments and my credit card closed. I talked to three different costumers service representatives, including one of the supervisors. I asked them why my account is closed and two of them replied that I didn't pay my annual fee in my card, which there isn't an annual fee on it and the supervisors told me that it was because of an interest fee after I payed off my debt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} UNAUTHORIZED INQUIRY : XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax due to their repeated failure to properly investigate my disputes and remove inaccurate information from my credit report. 

I am a retired XXXX  living on a fixed income, and these errors have caused me enormous stress. Despite multiple dispute attempts over the past year, Equifax has continued reporting unverified and inaccurate accounts without providing the documentation I have repeatedly requested. 

I have submitted official court documents proving that certain accounts should not be on my report, yet Equifax has failed to verify the accuracy of this information. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and goes against the Consumer Financial Protection Bureaus ( CFPB ) own lawsuit against Equifax for improper investigation practices. 

I am demanding the immediate deletion of these disputed accounts and full compliance with federal law. If this is not resolved within 15 days, I will be filing a lawsuit in the New Jersey Superior Court - Special Civil Department to enforce my rights. 

I appreciate the CFPBs assistance in holding Equifax accountable and ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. please help
Product: Credit reporting

I 'm a victim of ID Theft from 2012. Sent new fraudulent acct. info to Experian for blocking and they refused to block the account based on the fact that my original police report was done online. They 're stating that the ONLY WAY they will block the account is if I have the police dept ( out of state ) sign page 5 of the FTC Affidavit. I explained the difficulty and getting this report from 4 years ago signed by an out of state officer and reminded them ( Experian ) that they 'd blocked previous fraudulent accounts on my credit report w/o the officer 's signature. This defeats the purpose of the police department 's intent to generate full, signed reports for these type crimes.
Product: Debt collection

XXXX XXXX XXXX : lil I spoke with XXXX, through text messages on XX/XX/year>XXXX  I requested a letter to validate the debt I asked them if I entered a contract with about this debt the told me they was collecting this debt on behalf of of XXXX XXXX XXXX under 15 U.S. Code 1681b Under this law you have to provide evidence of WRITTEN instruction of me authorizing you to report and item on my credit. and I did not give you this consent Permissible purposes of consumer reports. XXXX told me that I will receive all the information all the information I requested by email through the email that I gave from when we was talking through messages.
Product: Debt collection

I am filing a complaint against Parnell & Parnell, P.A. for a debt that they are alleging is mine. I have no knowledge of this debt and requesting the following information from Parnell & Parnell, P.A.. As a third-party debt collection agency, you are required by law to send me the original contract agreement proving that this debt is in fact mine. I am also requesting that you send your chain of title and errors and omissions policy number proving that this debt is mine. As a consumer, I know my rights and that it is against the FDCPA to collect on a debt that you can not prove. Because of this, Parnell & Parnell P.A. has willfully and negligently used my non-public personal information without my consent and is therefore deemed as fraud. I am demanding that you prove the documents that have been requested or delete and dispute the following debt. I am giving you 30 days to do this per the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit card

I applied for a credit card with USAA and I was declined despite having a XXXX XXXX Score over XXXX at the time of applying. 

Each and every time I 've contacted USAA they seem to be giving me XXXX different answers. 

1. The most recent response per the attached letter states that " we were unable to verify your identy '' being the reason for decline. 

2. They told me that there was a carpayment from XXXX, per XXXX that was being reported as {$4500.00} per month and that this was offsetting my debt to income ratio. I contacted XXXX and they were infact reporting false information and have corrected the information, I sent the attached letter from XXXX to USAA to reconsider and the refused. 

3. Various other semantic answers per recorded conversation, which can be provided upon request if need be.
Product: Credit card or prepaid card

I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2000.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX
Product: Credit card

On XX/XX/ i applied for a credit card with Upgrade and was denied. My understanding is that i cant be denied credit if 1. i qualify for it for which i the implied surety for the principal debtor does for my estate is backed by the full faith and credit of the United States and 2. its a violation to promote/advertise after denial for a loan with less favorable terms.

I sent a credit adverse notice expressing trust and equitable subrogation which was sent and received through certified mail which was received on XXXX XXXX XXXX 
I then received an email saying sorry they couldn't be of any assistance and invited me to try Upgrades Credit XXXX which i can only assume is to sell or have more access to my data which is considered an asset. I never received notice as to the legal reasons i was denied, they are operating under the assumption that credit reporting agencies have accurate information and was obtained legally and through good faith which is not true.
Product: Checking or savings account

I have submitted a prior complaint about this issue and am still dealing with that. To get my money released on XX/XX/XXXX and XX/XX/XXXX, I requested my account to be closed. I stipulated this to XXXX, the Branch Manager of the XXXX XXXX XXXX Branch. They called the holds department and they claimed due to my prior OCC complaint that they would comply. I video-recorded the branch manager and asked point blank that the accounts would appear that I closed them. He said yes. I was concerned about them reporting the accounts to XXXX XXXX or XXXX, they indicated that they would not. That was a lie. They sent me three letters for my various accounts and all stated they closed them, not me, and that it was in violation of the rules and regulations of Huntington. This is just another example of the repeated lies and fraud of this institution.
Product: Credit card

CFBPI have XXXX Bank of America Credit cards linked to my checking account. 
In XX/XX/XXXX Bank of America ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Bank of America any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they " were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers
Product: Mortgage

My wife and I refinanced our mortgage with Nationstar in XXXX 2016. I enrolled in automatic payments and paperless statements. Our XX/XX/XXXX payment included an additional charge for {$47.00} for Optional Products and Services. I contacted Nationstar to inquire, I was told the charge was for a home warranty policy with XXXX XXXX XXXX XXXX. XXXX XXXX cancelled the policy after several calls and indicated that the original request for enrollment was received XXXX/XXXX/2016 from Nationstar. Nationstar claims that their only role in the process was to collect the payment and forward to XXXX XXXX. I made a total of 7 phone calls ( 4 - Nationstar, 3 XXXX XXXX ). I asked each company for documentation of authorization of payment from our bank account and both indicated that I would need to request it from the other company. How can a company take money from my bank account without authorization? It sounds like fraudulent activity to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX account from original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I closed this account and made an arrangement for the company to pick-up the equipment per their instructions. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.