23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After several written attempts to each credit bureau, I have not succeeded in getting my credit report accurate. Lately, I wrote in and called each credit bureau to dispute XXXX XXXX  accounts on my credit report. XXXX XXXX  continues to report balance and past due payments on my credit years after the account was sold to collections. Currently, after my last report, XXXX XXXX removed one of the accounts but not the others. XXXX and Equifax claimed to investigate and find the information to be correct. I have asked how the collections and the original account show past-due months or late payments and a balance. That is absolutely unfair. Once the original debt was sold, the account should be marked as closed with a XXXX balance, and the account should have a statement that the account was sold to collections. 

I should not have to continue to write in, call, etc. I have been affected by this for too many years after the fact and almost a year of continual disputes being sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and EXTER FINANCIAL LLC/CORP ( still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQUIRIES ON MY CREDIT REPORT I DID NOT CONSENT OR AUTHORIZE SOMEONE USED MY IDENTITY REMOVE THESE AS SOON AS POSSIBLE XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX Phone number By mail only XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an account listed under the name ( XXXX XXXX XXXX ) with the account number ( XXXX ) that is inaccurately reporting late payments for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
( XXXX  ) with the account number ( XXXX ) that is inaccurately reporting late payments for XX/XX/XXXX These payments were actually made on time. The consumer reporting agencies need to ensure all information is reported accurately. These accounts has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entries.
Product: Credit card

I have credit cards with Chase and I have contacted them to arrange payment. I indicated to their customer service contractor that I am having difficulty in meeting the even the minimum payments on all of my credit cards. I asked them if they have the same program that XXXX have extended to me ( 59 and 60 months repayment plan with lower interest rates ). They said that they do not offer such a plan and I should pay my credit card. I want to pay off my debt but I just need time to get caught up. Thank you for whatever help you can extend to me. 

XXXX XXXX
Product: Mortgage

I am shocked of the w ay Ditech keeps prolonging my case and scheduling new sale dates. I was denied previously because Ditech stated there were liens in my tittle. However I fax Ditech o n  XXXX / XXXX / XXXX  prove so they can reevaluate my loan and approve my Deed in  Lieu. I fi le bankruptcy on  XXXX   XXXX ,  XXXX . Stating all liens were cleared and satisfie d. Ditech is  refusing to provided me prove of the liens that are showing on my tittle. I am tired  Ditech is just taking advantage of me because I am an elderly man. Please help me I h ave an active sale date for  XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, Resident Verify- XX/XX/XXXX, Resident Verify- XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, US Department of Education-08/16/2022, US Department of EducationXXXX XXXX XXXX
Product: Checking or savings account

Whenever I try to open an account they tell me no because I bank a company reported Fraud and I never fraud I don't know if someone uses my identity
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent and unauthorized accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. 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. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, I noticed a charge off and many collection entries from 1. XXXX XXXX XXXX, XXXX, Account No. # XXXX 2. XXXX XXXX, XXXX, Account No. # XXXX and 3. XXXX XXXX XXXX, XXXX, Account No. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions.

I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

I had a family emergency in the summer I had to travel so I left town in a hurry. When I came back I discovered someone had used my credit to create personal loans as well as credit cards. I contacted all of the entities the information was listed in my credit report and they advised it would be removed but I still see it shows as verified as accurate. So now my credit is being affected it by these debts. Ive called numerous times even went and got the police is involved as this is MAJOR debt and I did NOT authorize the use of my credit for ANY reason. I dont use my credit this way. The only thing that should be on there is my HOME.Other than that the rest of this debt is fraudulent and I disputed it but they keep advising its being removed and its still on there. So Im filing with you all to see how you can help me. I will attach a copy of the police report as well. All Im trying to do is make this right.
Product: Debt collection

I pulled my credit report several months ago and noticed Resurgent Capital Services PYOD LLC Reference ID XXXX ( Account XXXX ) is reporting on my all 3 major credit bureaus that I owe {$570.00}. I do not recall doing any business with this company so I sent a letter demanding a copy of a contract with my signature that I agreed to pay you {$570.00}. I received a letter with a account summary from you. I sent another letter stating that you failed to verify that I agreed to pay you the amount above. This last letter I received XX/XX/2021 on a type letter from your company titled account summary report with historical account information from a company I did agree nor authorize to open an account with. This is against the law to report face information on my credit reports. You are required to verify that I owe any monies to you. Verification is PROOF that I owe you. which includes my personal information, including SSN etc and a copy of a contract that I agreed to pay you the amount. Failure ti provide this information is a violation against my rights. I authorize CFPB to do a formal investigate this matter and receive related information.
Product: Checking or savings account

On XX/XX/year> my husband and I went into JPMORGAN Chase Bank, NA on XXXX XXXX XXXX XXXX XXXXXXXX to deposit our federal income tax check of {$10000.00} that was made out to the both of us since we had filled our income tax together into my checking account, i asked the bank teller if it would be an issued to deposit the check into the account that is under my name only since the check is written out to the both of us, we were told that it would not be an issued, so the bank teller had us both my husband and I to endorse the check by having us sign the back of the check. The bank teller did advised us that there would be a hold on the check for 10 days since the amount was pass {$10000.00} and that I wouldn't have any access to any of the funds untill XX/XX/year>. On XX/XX/year> me and my husband went back to Chases Bank to withdraw {$4000.00} in order to pay our rent and it bills and got denied even thou in my transaction repite shows my available balance of {$10000.00}. the manager then attempted to help by calling XXXX to see what the problem was in witch concluded that since my husband is a 3rd Party they need to have him verbally endorse the check over the phone with him giving them a verifiable number that matches a number that there system has given them in order for them to call that number and get his permission. Since then we gone and got my husband a XXXX different cell phone plans with 3 different phone carriers and none have been able to be verified by chase bank. They told me that I had to contact the US Department of Treasury and ask them to call Chase and ask for the money to be sent back. When I was finally able to get through to talk to someone at the department of Treasury they had told me that the check was cleared 9 week ago on XX/XX/year> and that they would not be able to resend me and my husband another check sinc the check was cleared. I've called plenty of times to check if Chase system have been updated and check if any of the 3 numbers we acquired could be verified and till this day XX/XX/year> the numbers do not come up as a verifiable number.
Product: Credit reporting or other personal consumer reports

i sent a written certified letter to XXXX, XXXX and Transunion let them know that they are reporting false and incorrect information
Product: Mortgage

My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went " somewhere '' and did not reflect on my current account activities. As the result, my account today showed " 3 payments past due. '' I also received a letter " Intent to Accelerate. '' They locked me out of my account, then somehow it was turned back on last month, and now I 'm barred from making payment. 

I left a message and faxed them previously, most recently last month, yet no one tried to call or contact me back regarding the matter. I 've started receiving pre-foreclosure letter. 

ShellPoint customer service is not helping me, they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can, yet NO ONE from BK has ever tried to contact me or responded to my requests! 

This also affect my credit rating, and the pain and sufferings I 've endured in the last few months.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX  XXXX XX/XX/XXXX {$270.00}. Inquiry : US SM BUS ADMIN XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 Transunion, XXXX, XXXX  Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year. 
After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF. 
NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My student loans were with XXXX for many years. This year I applied for PSLF forgiveness and was granted it. XXXX Transferred my loans to XXXX as part of this process in XXXX XXXX XXXX. My credit reports, after forgiveness, still show a balance on the XXXX loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the three bureaus. On the very first dispute, the wrong information was removed by XXXX, but both XXXX and Experian state that the information is verified as correct by the Dept of EdXXXX XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to XXXX. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from XXXX. The documentation I provided was the disputes themselves, Letters from both XXXX and XXXX saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my XXXX  text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than 2 weeks. Can I sue XXXX or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Product: Checking or savings account

On XXXX, my husband used his debit card at XXXX for {$6.00} which resulted in our account being overdrawn by {$5.00}. At XXXX, 27 minutes later, I transferred a deposit in the amount of {$5.00} to remedy the negative balance. We were still charged an overdraft fee of {$35.00}. I went to the bank on XXXX at XXXX to deposit money to cover the days transactions and attempted to explain why the fee was erroneous, but my request for the refund was denied. I was told that because the debit posted and the deposit was still pending, the fee was legitimate. Again, there was a total of 27 minutes between the debit and the deposit, and the deposit was made prior to the XXXX deadline that I had previously been told was in place ( when a similar situation happened the day before and the fee was reversed ). 

We have been customers at this bank for several years and have never had this issue. There have been many times that my husband or I have been out and needed to use our card and then deposited the money later that day and fees were never assessed. When I explained this, I was told that the new system was to blame and the fee would not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

North Carolina State Employee 's Credit Union is reporting a auto loan on my XXXX  credit report, which is not reporting correctly. Account shows paid on time for last 4 months. When it should be on time for the prior 2 years. Missing 2 years of on time payment history. Attached below is the difference in what is reporting to my XXXX  vs my XXXX. Please report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage with XXXX for almost 20 years. A couple of years ago I opened an " XXXX '' business credit card account with XXXX. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to XXXX 's own actions, and these late payments are now reflected in my credit report. I attempted to contact XXXX to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again XXXX refused to accept responsibility.