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

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Product: Mortgage

XX/XX/2023 XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX My name is XXXX XXXX. 
*I applied for a loan modification XX/XX/2023. 
*however, it took a total of five email submissions for my modification documentation to be received by Seline loan resolution department.

*I believe my modification request was denied in error. For the following verifiable facts, I am asking for a re determination.

1. My modification request was processed under conventional loan qualifications and requirements when my loan has always been an FHA XXXX XXXX. Original XXXX number XXXX XXXX XXXX XXXX. My previous loan services Always recognize my loan as an HHA  XXXX XXXX Government Backed Loan 3. Due to Seline processing my modification under conventional loan qualifications I believe I was denied an modification in error 4. I have not received any communication/Explanation of how my loan was changed to a conventional loan 5. I did not receive any communication that my loan modification request was denied nor the reason it was denied. I was only informed that my home was back in foreclosure with a sale date when I called to inquire about my modification request.

During that conversation with your customer service representative, I was informed that my loan modification request was under a conventional loan modification request and not under the government sponsored modification under XXXX XXXX or XXXX XXXX. 
At that time, I expressed concerns that my loan has always been under XXXX XXXX and at no time was I aware of it being changed nor did I authorize or sign any documents for it to be changed to a conventional oan. I was guaranteed to be contacted by someone in the correct department regarding my loan showing as a conventional loan instead of a XXXX XXXX under XXXX XXXX ID XXXX I have attached a new loan modification request with the following documentation. 
1. Power bill 2. Check stubs 3. XXXX XXXX 4. W2 ( XXXX ) 5. XXXX XXXX  6. IRS Avidavit also delene has put many late paymnt charges and additional fees. my income chnaged due to the pandemic i shoud not have late charges and my credit has been effected
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also
have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

On XXXX XXXX, 2017, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Money transfer, virtual currency, or money service

on XX/XX/2020, I was aware of the fraud I was involved in by sending money through my XXXX XXXX account ( Zelle ) to another Zelle account. The payment made was for a lease on a house. The total amount was XXXX. The house was a fraud and the people never gave me my money back. I have their account number and that is all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score withXX/XX/XXXXand Equifax was dropped XXXX points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Did Disputes on old closed cases, along with inaccurate late payments on closed cases, and companies selling my information after charge offs, sent letters for 1099, responses were not met & its a violation of my rights .All 3 Credit Bureaus Nothing was removed from my Credit report all still negative including closed & charge offs.
Product: Credit reporting or other personal consumer reports

I lost my XXXX  credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/2023. 

After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. 

Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. 
This closed by XXXX points on my credit card. 
I am trying to get a loan for my car and it's now impossible to even get approved.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX XXXX  has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. I previously spoke with a representative from this company explaining to them that I had made changes to my account, and the representative failed to update the account correctly, causing it to appear as if I made a late payment. When I called and discussed this matter, I paid off the account, and the representative stated that the negative statement would be removed from my account since it was through no fault of my own. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX XXXX XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the payment status states " Pays as Agreed '' on XXXX, while Experian reports " Paid, was past-due 30 days ''. The date of last payment is reported as XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. XXXX has already taken action and removed the account from my credit profile due to the several inconsistencies and lack of evidence from the creditor. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit card or prepaid card

On Saturday Morning XX/XX/2023 I'd Ordered a Set Time of XXXX XXXX - XXXX XXXX XXXX Deliveries to my Veterans Unit a TV plus Groceries totalling {$470.00} as Deducted from my CHIME CREDIT BUILDERS ACCOUNT as a DESIRED CUSTOMER. WHEREAS, XXXX texted claiming now they're SHIPPING my 55 '' TV approx. XXXX XXXX. I immediately said NO to the SHIPMENT. I immediately called XXXX to CANCEL the ENTIRE ORDER with CUSTOMER RELATIONS. NOW, the XXXX Cancellation Cancelled the TV, but the XXXX Delivery Driver was yet in route to now stating on XXXX {$24.00} Groceries which upon my return to my Unit was sitting on the ground Openly in this HIGHLY OCCUPIED COMPLEX unattended! Not good! I summoned CHIME by Electronically and on CHIME APP a CLAIM for {$470.00} that same Day, XX/XX/2023. FILE # UNKNOWN and due to it being taken down after PENDING until Friday, XX/XX/2023 and NOW PENDING an additional 7 - 10 Days my needed REFUND of {$440.00} which sits as ( Credit ) - {$440.00} and a XXXX Balance in my Accounts unable to do anything for my BIRTHDAY which was Saturday, XX/XX/2023 nor get a TV as a Birthday Present to myself after spending 5 Years of Birthdays behind XXXX! And, too in doing so the VA is Investigating the PREVIOUS XXXX Delivery of a " KNOCK OFF '' XXXX 55 '' TV from XXXX Purchase IS why I did NOT want another TV SHIPPED by XXXX. Therefore, after requesting CHIME to call me and during that call I'd inquired about both my CREDIT of {$440.00} and the OUTCOME of my {$470.00} PENDING CLAIM TO NO AVAIL! TOLD there d I es NOT exist any such CLAIM, but a CLAIM for {$24.00} and trying to get me to adhere for an added CLAIM NOW for my OVERDUE REFUND of {$440.00} for a NEW CLAIM for an ADDITIONAL 7 - 10 Days totalling in excess of 2 Weeks as I'm a Senior XXXX YO and XXXX Veteran on XXXX XXXX and this is nearly HALF of THAT Monthly Payments for XXXX ... and I'm LEFT DISMAYED after ALL these years of looking forward to being XXXX! NOW, CHIME Claims a OPEN CLAIM PENDING THEIR INVESTIGATION for the XXXX Purchase of {$24.00} for UP TO 30 Days. What above my money DUE? A CHIME Supervisor now claims " CANCELLATION OCCURRED BEFORE SETTLEMENT. '' I exclaimed, WHAT? CHIME Supervisor states it will take up to an additional 10 Days for PENDING to DROP. My question IS how did CHIME et. al SETTLE the {$24.00} XXXX purchases out of the {$470.00} CLAIM and NOT REFUND MY {$440.00}? We're speaking of my ENTITLEMENT XXXX PENSION here. Why are they mistreating me and causing me MUCH DISTRESS as I SUFFER from XXXX and I have NO other means of SUPPORT at these immediate times with 100+ degrees weather. Who can HELP me? I need HELP with these XXXX folk!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation.

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
Product: Debt collection

I have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately at XXXX .... ''
Product: Student loan

I was previously on the XXXX plan with MOHELA. I consolidated my loans and used the same XXXX  application alongside it, in which federal student aid said I was still eligible for XXXX. However, upon consolidation, MOHELA placed me on a level payment plan without my request or consent. My consolidation went through XX/XX/23, and just days later on XX/XX/23 I received my bill stating I owe the level amount they assigned me on XX/XX/23. This billing amount is more than what I would pay on XXXX, and is NOT what I had anticipated. 

I have requested that I go back on my XXXX plan in which Im qualified for, but they have yet to respond. In the meantime, I have sent another XXXX application via XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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, credit repair services, or other personal consumer reports

BILLING DISCREPANCY BUT THEY CHARGED IT OFF WITHOUT NOTICE SO THIS ACCOUNT NEEDS TO BE REMOVED IF IT IS CHARGED OFF YOU CAN NOT STILL TRY TO COLLECT, PLEASE ISSUE XXXX AND REMOVE THIS INNACURATE DATA FROM MY REPORTS 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Grain Technology, In Grain Technology, In ( XXXX  ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency XXXX days past due None Reported Charge Off/Other Derog Balance {$53.00} {$53.00} {$53.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 5 % 5 % 5 % PAID THEM XXXX DOLLARS TO REMOVE AND NO UPDATES
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit profile and noticed that there is a fraudulent account on my profile the following account below is fraudulent : TransunionXX/XX/XXXX Account number XXXX Date opened XX/XX/2016 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/2016, an unauthorized person logged onto the Experian website and used my personal information ( ID theft ) to pay {$1.00} for a 7 day trial to get access to my credit report. I did not know this until XXXX/XXXX/2016 when I received in the USPS mail notifications from XXXX banks ( XXXX XXXX and XXXX XXXX ) that online checking accounts were opened in my name and that {$5200.00} has been transferred from my own personal savings account at XXXX XXXX Bank into these XXXX accounts. I immediately worked with XXXX XXXX and the XXXX other banks to retrieve the {$5200.00} and place fraud reports with each of them. I also filed a local police theft report, an FTC fraud report, social security fraud report, and placed a 7 year fraud alert with all XXXX credit report companies. The problem I have is that when I initially contacted Experian on XX/XX/XXXX ( contacted them on XX/XX/XXXX and XX/XX/XXXX but was told to call back on XX/XX/XXXX since that fraud department was closed for the weekend ) I was told after over two hours on the phone and being transferred to XXXX different people that they do not have a fraud department to handles fraudulent access to credit reports. That they only had a fraud department to handle fraudulent items on the credit report itself. When I tried to explain to these people that it was not me that accessed my credit report on XX/XX/XXXX, they kept telling me it was me based on the information they had. When I asked them to release to me the email address and the credit card used to gain access to my credit report on XX/XX/XXXX, they advised they had that information but would not release it to me. To this day, I can not get Experian to release that information to me. I have asked the local police department to request this information from Experian via a summons, but they do not seem to have the time to do that (? ). However, the local police were able to narrow the thief down to a local person due to other information they gathered ( so it was not a thief from XXXX or other non-USA location ), but they seem to have stopped working on the case due to other priorities. If there is any way you can get Experian to release the CC number and email address used in opening this {$1.00} trial account on XX/XX/XXXX so I can give it to the local police for additional follow up, that would be great. Or if you have any other suggestions on how to get this information to help in the police investigation, please advise. I was very disappointed that Experian would not help investigate this unauthorized access to my credit history, and also amazed at how easy it was for someone to gain access to my credit history via their website. I can provide additional information upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, and Equifax everything that they ask me to send them to show that I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14TH 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, GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Balance : {$2400.00}