23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX 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

I formally wrote Equifax XXXX  times to dispute multiple unauthorized accounts and inquiries that appear on my credit report, with NO RESPONSE OR REAL VALIDATION! Not using an XXXX XXXX. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. XXXX unauthorized inquires is absurd!! Some inquiries ran XXXX and XXXX  times hurting my credit health and now mental health. Equifax is the only bureau furnishing these awful amount of unauthorized inquiries without any validation. This is my final time asking for these accounts and inquiries to be removed before taking legal action. XXXX communication has been sent for the XXXX time.
Product: Credit reporting or other personal consumer reports

I recently wrote in to ARS-Advanced Resolution Services Inc about public records/bankruptcies being my name and social # that they are reporting inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Product: Debt collection

A SETTLEMENT WAS MADE BETWEEN BORROWER AND FINANCE COMPANY. DEBT WAS RESLOVED PAID IN FULL
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported several months on my credit report as " NO INFO '' for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. This is INCORRECT. EVERY single one of  those months were PAID in FULL and EARLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my identity was fraudulently used to open an account with XXXX XXXX ( Acct No. XXXX ). No payment was ever made on the account and my credit reports showed the account closed with an unpaid balance of {$92.00} which has been in collections status ever since. I reported the account as fraudulent to the credit bureaus some time in XXXX or XXXX of XXXX. After learning how to remove this information from my credit reports, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX and submitted disputes with each of the three credit bureaus and provided all required information to each bureau on XX/XX/XXXX. 

In a response letter dated XX/XX/XXXX, Experian, 33 days after USPS tracking indicates that my letter was sent to Experian, notified me that it did not remove the fraudulent XXXX XXXX account from my credit report and indicated that I would need to contact XXXX XXXX myself. I filed a complaint with the FTC on XX/XX/XXXX ( # XXXX ). The complaint was closed on XX/XX/XXXX because the company responded that " [ the ] complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' I, XXXX XXXX XXXX, am the only person listed on the first FTC complaint or this complaint. My complaint concerns the credit report in the name of XXXX XXXX XXXX, same date of birth and social security number, and concerns, as my Experian credit report clearly states, a XXXX XXXX account opened on XX/XX/XXXX which appears on my Experian credit report as " Seriously past due date '' and " assigned to attorney, collection agency, or credit grantor. '' Please read the attached documents before closing out my complaint again.
Product: Payday loan, title loan, or personal loan

TO Whome this may concern, predatory lender I loaned from them in XX/XX/2019 for {$3000.00} made payments each month totaling way over $ XXXX and they still say I owe {$3100.00}. This is insane highway armed robbery, they also mentioned account is being serviced by this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

On or about XX/XX/XXXX. I filed a complaint with the Federal Housing Finance Agency. Against XXXX XXXX Home Mortgage and Select Portfolio Servicing , Inc.. Regarding fraudulent mortgage servicing, violating the fair credit reporting act, and other financial crimes. Related to my XXXX XXXX Mortgage and unlawful monthly mortgage payments from XXXX til present. Also around the filing of my complaint to the Federal Housing Finance Agency. I was awaiting a response from Select Portfolio Servicing , Inc.. In regards to my Consumer Financial Protection Bureau complaint. Regarding their wrongful criminal participation as it related to my XXXX XXXX Mortgage from XXXX til present. In XX/XX/XXXX Select Portfolio Servicing, Inc, denied any wrongdoing and refused to make any corrective updates to my three credit reports. Shortly after on XX/XX/XXXX the Federal Housing Finance Agencyacknowledged receipt of my complaint. An Select Portfolio Servicing, Inc had a change of heart and made corrections to my credit history thats reported to all three credit reporting agencies. Now, on or about XX/XX/XXXX. Select Portfolio Servicing , Inc has started to demand payment for a mortgage account they know to be paid full as per XXXX XXXX Mortgage. And that they know is under investigation for mortgage fraud and other financial crimes. Select Portfolio Servicing , Inc also knows that there is not a creditor listed on the fraudulent mortgage account they have been servicing for my property. And they also know they unlawfully decided to raise my fictional monthly mortgage payment after I paid my escrow shortage in full earlier this year. Ive recently contacted the Federal Housing Finance Agency again regarding these new unlawful activities by Select Portfolio Servicing , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquiries dont belong to me. i tried to dispute but the companies said no account they cant help Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXXXXXX XXXX XXXX XXXX XXXXXXXX in The Central District of Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Equifax credit report. Please delete ALL of the Following : XXXX ) XXXX {$3700.00} Note : This is a Charge Off That still Reports Late Monthly Payments, a Direct violation Pursuant FCRA & XXXX Compliant!
Product: Debt collection

A individual claiming to be a mediator for a company I did business with years ago and paid the debt off, contacted me. He claimed to be with XXXX XXXX XXXX XXXX attempting to resolve a civil complaint against me out of court. Their phone number showed up as XXXX. 

When I stated the debt I had with the company he supposedly was representing was paid off, he said he didn't know what to say because he had the information in front of him. I asked for written documentation, and he said I received it in XXXX. I disputed this because the loan was never originated until XXXX, so I knew his claims were false and he was trying to scam me out of a lot of money. I asked once more for documentation and the question was ignored. 

I also asked for his license number, since he is supposed to provide one if he is a legitimate debt collector. He stated he didn't have to disclose that information to me. Then the line went silent and he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted
Product: Mortgage

My loan was granted a federal government loan modification under the Make Home Affordable program in XXXX which the government granted amounts to defer and other amounts to forgive in increments. In XXXX Ocwen and PHH assumed the loan and I have been disputing the numerous accounting errors, loan servicing violations and unlawful fees adding to thousands of dollars which escalated in XXXX in when PHH rejected 3 mortgage payments and imposed a new loan modification agreement threatening to default and foreclose if I didnt sign this agreement within a short deadline This new modification was a one sided agreement that increased my principle balance from {$320000.00} to {$400000.00} this reversing the federal government grants and added back those amounts. Since then my principle balance has not been credited any payments and in XXXX it is still {$400000.00}
Product: Credit reporting or other personal consumer reports

I have two hard inquiries on my credit account that I did not apply for.
Product: Payday loan, title loan, or personal loan

I applied for a loan on Saturday XXXX with OneMain- they provided me with all my loan details- {$7500.00} at $ XXXX. I was told Id receive my money on Monday after they verified my identity. I took the hit to my credit and then they declined me for funding. Its a shady practice and I want them to delete all of my data.
Product: Debt collection

XXXX Bank emailed me on XX/XX/2023 alerting me to new negative items on my credit report. After reading the email and reviewing my report on the morning of XX/XX/XXXX, I called XXXX and alerted them to the fraud that had occurred ( I had two new 'collections ' items from XXXX XXXX  despite never doing business with XXXX ). After helping me mark the items as 'Fraud ' and opening up a dispute with them, XXXX recommended that I call the collection agency ( XXXX XXXX XXXX  ) as well to inform them that the debt was resultant from identity theft. However, for some reason XXXX has my father 's name ( XXXX XXXX attached to my ( XXXX ) phone number. They told me they couldn't help me unless I provided them with my social security number, which I refused to do because they had already managed to bungle a simple name & phone number combination. So, in a nutshell, I tried to tell them that I had been a victim of identity theft, but due to a mistake of their own ( possibly resultant from the fraudulent activity ) they refused to believe that I was who I said I was and would not take any action to remedy the problem. It was bizarre to hear, as a XXXX XXXX XXXX man, " Can we speak to your father? '' Also, one of the strangest parts of this whole thing is : if XXXX has the name XXXX XXXX attached to the file with my phone number, why did they ding MY credit report, which is under my name XXXX SoAndSo? They seemed to be talking out of both sides of their mouth by dinging one person 's report and only being willing to talk to a completely different person about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran who recently sold my home and am building a home contingent on my credit. The below mistake is severely impacting my ability to qualify for this home. 

I am attaching the most recent report from Credit report provided by my Lender.. 


As requested I am submitting a written request identifying the error and a copy of the Credit Bureau Report with AmeriHome Mortgage Company showing we have 30+ days late payment however this loan has been PAID IN FULL XX/XX/2018 and due to a delayed closing its showing we missed payment of {$1800.00} ( give or take a few cents ) As mentioned in the below email originally sent XX/XX/2018 to AmeriHome Mortgage and multiple times after. I had explained in detail that our home closing was delayed causing it to appear as a late payment but the mortgage was paid IN FULL XX/XX/2018. 

Once I saw this on my credit report I immediately called asking how this could be corrected. I was told to email them which I did multiple times. I also called to follow up and told the same thing. I continued to forward on the request for adjuatment. I never received a response as of XX/XX/2018 so I called and was told this was denied and I would need to call the Credit Bureau myself in which I did. Now I am reaching out to resolve this. 
I have made several calls and e-mail attempts to resolve this via CFPB. 

I have not missed ANY payments, or paid late at anytime in the 2+ years we have been had our mortgage. 
I want you to know that I fully understand my financial obligations, and if it werent for us having a delay on the closing date of our home and the pay off being delayed this wouldnt have happened. 

I understand this was a mistake due to unexpected delay on closing but since then WITHIN days the loan was been paid in full. Our history has shown in more than 2 years a record of on-time payments. 

We are in the middle of qualifying for VA Loan for new mortgage, and its come to my attention that the delayed payment on my credit report record has severely hurt my ability to qualify. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I have recently paid off all of my debt and it would help me immensely if this could be fixed and adjusted to remove the late payment. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX  from US Auto sales around XX/XX/XXXX was supposed to have a XXXX warranty on it and a week later the check engine light came on. I tried to call and take it back to be looked at and the car lot was empty. Got an email saying they had to temporarily close the car lots but to still pay the bill through the finance company. Paid my bill then the people who took over called a month or XXXX later stating they were taking over and basically none of the money I put towards the car mattered and I would have to start payments all the way and not have my XXXX year warranty anymore because the warranty was voided when the car lot closed. So I been having to car out of work because the car has a coolant leak somewhere, the air dont work and I have XXXX kids that I have to take to school and football practice and games and the check engine been on since a week after I got it and it runs hot.