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

I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX  and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Kilma, Peters and Daly without any communication, garnished my XXXX Bank Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called Law group handling the file ( KPD ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that Kilma, Peters and Daly were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called XXXX XXXX XXXX, spoke to XXXX who are their clients but they gave me the one answer to talk to Klima Peters and Daly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i submitted two complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, XXXXXXXX XXXX responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.
Product: Mortgage

Guild mortage failed to pay taxes for 3 years. bill was over {$8000.00}. I called and resolved it. Then they raised my monthly payment OVER DOUBLE what is was because of there mistake.
Product: Credit reporting

I disputed XXXX items on my credit report via letter dated and certified mailed on XXXX XXXX, 2016. The investigation took longer than the 30 days allotted by FCRA. However, the items disputed were not removed from my credit report. On XXXX XXXX, 2016, I certified mailed a 30 day no response letter informing TransUnion on their investigation delinquency and respectfully requested that the items in dispute be removed from my credit report. Both letters were ignored and only XXXX of the XXXX items disputed have not been removed from my credit report. 
According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report. My original letter was received by TransUnion on XXXX XXXX, 2016 ( see attached ). Thus, I was to receive a response from TransUnion via mail on XXXX XXXX, 2016. However, the TransUnion response letter was postmarked XXXX XXXX, 2016 ( see attached ), and I received TransUnion 's response via mail on XXXX XXXX, 2016. Thus, TransUnion 's investigation was in excess of the 30 days allotted by the FCRA. 
My 30-day no response letter was dated and mailed XXXX XXXX, 2016 ( see attached ) and received by TransUnion on XXXX XXXX, 2016 ( see attached ). 
The Fair Credit Reporting Act, FCRA Section XXXX ( b ), and FCRA Section XXXX ( a ) ( XXXX ) requires you to : 1 ) investigate any items that I feel are inaccurate, obsolete or outdated 2 ) Investigate and respond within 30 days and 3 ) promptly delete that item of information from the file of the consumer. 

According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. Also, the following addresses I have never lived that are also reported and a company I have never worked for are listed below as well. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/14, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Bank XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not authorize Equifax to furnish this information onto my credit report. On XX/XX/, I submitted a dispute with Equifax to remove the unauthorized inquiries on my credit report. Equifax investigation results stated that the inquiries will remain on my credit report for at least 2 years. I submitted documents showring I had filed a police report showing that my identity had been used without my knowledge or consent. I am asking for Equifax to provide the original documents showing my legible signature or showing where I gave these companies authorization to view my credit report. If original documents can not be furnished, I am asking Equifax to remove these inquiries on credit report.
Product: Bank account or service

BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Experian sent me a email stating that my credit score and report had changes. I logged in and it said my Debt was {$1700.00} causing my score to drop 36 points and shows that my credit utilization went from 13 % to 45 % I called them and advised them that the information was inaccurate and I only owed {$1100.00}. I asked who is reporting the extra inaccurate {$600.00}, they said they can not tell me that. I told them they need to fix it and was told it was not their problem and I needed to fix it. They are messing with my credit score and my credit by reporting false information.
Product: Mortgage

Hello, It is my understanding that CD balancing should occur when the initial CD is released and preliminary fees are received from the title company to allow for both the lender and title co to address discrepancies. Taxes are paid in arrears in Texas, however, as of XX/XX/2021, the taxable value could have been determined by submitting a written request per the direction found on comptoller.texas.gov. 

With real estate taxes being a year behind in their collection, purchase transactions require the seller to provide a proration to the buyer towards future tax bills that will come due after closing, that will be the Buyers obligation to pay, but represent a period the seller owned the real estate. The SSP/title company that closed my loan provided the lender with a prorated amount due from the seller for taxes based on the previous years charge instead of the current year as outlined in the residential contract for my loan which was settled on XX/XX/2021. 

The escrow officer from the assigned SSP has informed me that any difference in prorations compared to the amount used at closing and the current year tax bill that comes out after closing is the responsibility of the buyer and the seller to collect from the other, and if the previous owners contact info is not on the contract I will need to go through the realtor as done prior to closing. Per RESPA, itemization and/or calculation of unpaid expenses due at closing is the responsibility of the SSP and creditor. 

The managing real estate broker responded to the inquiry citing the following - XX/XX/2021 - Once the new tax statement is released and you find out that there is indeed a shortage, any requests will be between the parties of the contract. Title and/or any Real Estate Brokerages are not a party to the contract therefore can not request on your behalf. However, I can definitely reach out to the agent who was involved and ask for the seller 's new address for you but that is all that the scope of my license will allow. Keep me in the loop when you get the updated taxes and I will be happy to reach out to XXXX again. 

I have been provided with information that does not align with the the regulations outlined in TILA/RESPA on more than one occasion during this transaction. I would be grateful if someone would review my inquiry and further clarify the rules provided in the real estate settlement agreement to determine if the aforementioned actions comply with CFPB regulations. 

Thank you
Product: Credit card or prepaid card

Last year on XXXX XXXX weekend a car rental agency did not credit my security deposit back. They had 2-5 days to put the funds back on my card. Therefore, I contacted the car rental agency who did not resolve my issue. Upon providing proof to the Bank of America credit card and many phone calls to your complaint dept. I was granted a credit and it was deemed that the car rental agency committed fraud. Almost a year later I am being billed the same amount. I feel that Bank of America is acting in a deceitful manner and after a resolution is made I will be looking to terminate my relationship with the bank.
Product: Debt collection

Source receivable is trying to collect an invalid debt they purchased from XXXX. They are making accusations that any left over balance was due to equipment cost which was returned promptly. letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt with wet signatures and their communication from XXXX  regarding my conversations with equipment returns which they stated was received. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sued Equifax for allowing my information to be used without my consent. So a lawyer got in contact with me about resolving the matter. He said he will put the freeze on my credit. Plus a lock if i dropped the case so i did now everytime something goes wrong with my credit score i call Equifax and they say that they can't talk to me. This has been going on for about a year now. I need help please.
Product: Credit reporting or other personal consumer reports

I have sent in countless documents advising them of my address, however they continue to display this erroneous information. I've even went as far as XXXX  the address and sending them a picture of it to prove one its not address nor is it even a residential property.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I noticed that Equifax does not give me a score or do they let 3rd party websites obtain my credit report or scores I uploaded FTC REPORT to them almost a year ago and still have yet to receive reasons any information to why I have no score or report. the company has never responded to me or have yet to reach out via mail email or by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with Experian and XXXX in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Product: Credit reporting or other personal consumer reports

I dont understand how this could have happenedmy credit report now shows accounts that arent mine, and Im at a complete loss. Ive been diligent about checking my report, and this time, something is seriously wrong. Refreshing my browser didnt help ; the errors are still there. Im urgently asking that my documents be rechecked to make sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an updated credit report from XXXX stating that the bankruptcies has been verified and to contact the US Bankruptcy Court on XXXX XXXX. they also have listed XXXX Consumer center for the public records. I pulled a copy of my XXXX report and there are no bankruptcies showing. The US Bankruptcy court does not verify information with the credit bureaus. I need for Equifax to tell me who verified the information and to provide me with that information so that I can contact the creditor that verified it.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Net spend all-access sent a credit card in my name and I didnt request. Tried to call and was told number is out of my service area. Which means not only did they send me a card in my name but they also have no way to contact other than web and who knows where that will lead.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed another certified letter to Transunion concerning XXXX XXXX XXXX accounts showing on my consumer report. I asked them to delete these accounts because they were inaccurate. All XXXX XXXX accounts have been deleted from my XXXX consumer report. I know all three reporting agencies are required to report the same information. Transunion did not investigate the information, if they had the accounts would be deleted. I asked them to send me the procedure of how the accounts were verified, but I have not received that. I know I have a right to receive that information. Account for the amount {$8300.00}, There is inaccurate information, for the XXXX history : XX/XX/XXXX account XXXX days late, XXXX & XX/XX/XXXX both months XXXX  days late, how can both months be XXXX days? Inaccurate information you are reporting. Transunion said this had been verified. The account status : charge off, delete this accounts charge offs are not to be reported on consumer report. Transunion is in violation of the law not verifying the information they are reporting. Account for {$9300.00} has been deleted on XXXX consumer report, if Transunion had done the investigation they would know this account has been deleted. Payment History : XXXX account XXXX days late, XXXX, XXXX XXXX 2021 each month the account is XXXX days day. How can this be? There is not XXXX days in a month, Inaccurate information delete the account, The next account {$6400.00} has been deleted on XXXX and need to be deleted by Transunion, Payment History : XXXX  2021-account XXXX days late, XX/XX/XXXX, XXXX, XXXX, each month XXXX days late, again inaccurate information, I have requested that this information be deleted from my consumer report before, and Transunion continue to furnish inaccurate information.