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

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXX XXXX XXXX TEXAS - XX/XX/XXXX - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX  XXXX - XX/XX/XXXX -XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First my ID and Social are attached so there should be no issues investigating my complaint. My identity is verified with information I attached. Please investigate and not closed complaint. 

Equifax refuses to update my credit report with information in a timely manner. Also With reporting the correct information. I have had to file 5 complaints in 2 years to get my information corrected. My last complaint was XXXX/XXXX/2020 about fraudulently reporting collection account. I used proof for my complaint from XXXX XXXX. XXXX XXXX allows me to know what Equifax is and is not doing with my credit report. 

Since my last complaint XXXX/XXXX/2020 Equifax is not blocking XXXX XXXX for access my account. There is nothing XXXX XXXX can do because this is blocked from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I have fraud protection with Experian. Received an alert about a suspicious account and was directed to call XXXX about the account wrongfully being in my name. Experian did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call XXXX myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. XXXX sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from Experian that the same XXXX account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. XXXX was not helpful at all. I am doing everything to communicate this is fraud. XXXX have no proof the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX After making numerous called to Equifax about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per Equifax data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to Equifax or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to Equifax data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to Equifax or any person permission to report/share any assumed data that I will mention in the complaint. 

Equifax and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( XXXX ) ( XXXX )., They are also in violation of the data protection act.
Product: Debt collection

I have insurance. I have never not had insurance. We have two full time jobs and no serious medical issues. Just routine care. I then pay all medical bills not covered by insurance through an XXXX. Over the course of 2 years, my XXXX paid my bills to XXXX XXXX XXXX and they returned the payment to my account each time. I would pay the bill- they would return it. Over and over. I called and no one knew what was happening. 

Finally, I changed the way I was paying and started using the XXXX as a credit card to pay online instead of an electronic transfer and it worked! I paid all past balances- everything they said I owed, even things I thought I already paid many times and I have had a balance of {$0.00} on my XXXX account since XXXX of 2022. 

I am still receiving collection letters from 2 different collection companies. I disputed one through XXXX and successfully had it removed from my credit report. The second continues to send letters and emails. 

I would like XXXX XXXX XXXX to STOP reporting my debt as unpaid as I have paid all debts and my balance is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/2021, I submitted a complaint to you regarding TransUnion see previous case # XXXX. Not only was this matter not taken seriously but quite frankly it was ignored. Please see the previous documents submitted in case # XXXX. Not only did TransUnion not follow the regulatory guidelines but also fail the action in providing {$1000.00} for each deletion due to their error on my credit report. In addition, I have filed with the XXXX mail service an identity theft report against Transunion for not having a prior written authorization as to the personal private information in my consumer report. The US Mail ID Theft case number is # XXXX. 

The violations are as followed : XXXX XXXX per deleted tradeline which were ( 3 ) in total. 
XXXX XXXX ( Direct Dispute ) and XXXX XXXX c ( 2 ) ( B ) ( C ) ( i ) ( ii ). Also 15 USC 1681n and 15 USC 1681o and finally 15 USC 1681q as it relates to Identity Theft. I hope to resolve this matter privately. I have already sent an a legal demand notice to Transunion LLC located in XXXX Delaware. The USPS tracking number for this document is XXXX XXXX XXXX XXXX XXXX and my return receipt USPS tracking number is XXXX XXXX XXXX XXXX XXXX XXXX. I hope to resolve this matter with TransUnion in the next 30 days before pursuing other options. Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MADE PAYMENT ON TIME AND WITH IN GRACE PERIOD, APPLIED ADDITIONAL PAYMENT FOR UPCOMING MONTH WHICH WAS NOT APPLIED TO
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX and XXXX of 2021, I had complications with my bank and they ended up withdrawal double the payment amount for a car payment, once the mishap was noticed, I had already received communication stating that my payment had not gone through. Mind you, I have 8 other obligations ( Loans are credit cards that were paid and processed ) I sent in XXXX the letter from my bank stating the mishap, I sent in my bank statements of the over withdrawal and the funds being sent back to me correctly from my bank, and I also sent in my bank statements that showed when I processed all payments, and I ended up making four payments to both XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXewards and they still showed me for 30 days past due, even though I actually made the payments before the due date, then was made aware by my bank that there was a mishap with processing and they were to send me back funds. I immediately reached out to both XXXX and XXXX who then told me to reach out to the credit bureaus even though they knew it was at no fault of my own that the payments did not go through. They even sent me emails stating that the payments had been made. I have never had a late payment. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Enhanced Recovery Company , LLC, Doing Business AS, ERC at XXXX XXXX XXXX, XXXX, FL XXXX notified me of a bill from XXXX XXXX XXXX - Account number # XXXX on XX/XX/2018. At the time, the balance was {$520.00} with no interest charges, or fees/penalties. If not paid, the summary would reflect " No payment arrangements on file ''. If paid, the summary would reflect " Paid as agreed '' per our phone conversation and written notice. I paid the account in full ( I have provided the letter as an attachment ) stating, they received the payment of {$520.00} and on the date XX/XX/2018 they required- and goes further to state the above referenced account is " Paid in full ''. The person of reference in the letter is XXXX XXXX XXXX ERC. However, they reported to Experian credit report that the payment was late, which has damaged my XXXX XXXX. I want them to remove this erroneous information from my credit report by supplying a letter to them, indicating this bill was " paid in full- as agreed '' immediately, as what they reported is erroneous and have violated my consumer rights under the Fair Credit Reporting rules. I have disputed this information twice with XXXX and they have failed to try to get accuracy or remove despite my communication and proof of documentation,
Product: Mortgage

Hello! my name is XXXX XXXX and this complain is regarding the Florida Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX program, and United Wholesale Program. Back in XXXX XX/XX/2022 I was approved for 6 months of emergency funds to cover mortgage payments. Application number : ID : XXXX. 

The award letter indicated the money from the XXXX XXXX XXXX XXXX, or XXXX, would be issued to my mortgage company on XX/XX/2022 and continue going forward, but the money is missing. As of today : XX/XX/2022, despite many phone calls to the XXXXXXXX XXXX XXXX Customer Assistance Center at XXXX, emails and even XXXX, my mortage company ( United Wholesale Mortgage LLC ) has not received any payments.

I will greatly appreciated any help you can give me, as you may understand my economical situation is critical I would greatly appreciate any follow up regarding my case Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal per 15 USC 6802.

Upload to cfpb have u tried to remove : yes For inquiries use 15 USC 1681 permissible purposes : 16 cfr 313 privacy of consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received the opt-out notice and still shared my information with a third party. This is the fourth notice.
Product: Debt collection

I am writing to file a formal complaint regarding a COLLECTION account labeled " XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. 
To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, Equifax, XXXX ) XXXX Account # XXXX ( XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  Account # XXXX, ( XXXX, Equifax ) ( XXXX, XXXX ) XXXX XXXX Co Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ) XXXX Account # XXXX
Product: Student loan

I have repeatedly called on each below date and asked for a " conditional approval letter '' for each of my four loans through Discover which were bought from XXXX XXXX. Each time I asked for the approval letter I was instead sent a copy of my initial loan application before it was approved. In the loan application is says my variable interest rate will be as identified on my conditional approval letter. Discover Student Loans is unable to provide the " conditional approval letter '' which leads me to believe they may be misleading me on my variable interest on all of my loans. 

Each date I called Discover Student Loans, requested the conditional approval letters and filled a formal complaint. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

The dispute for the account with MIDLAND CREDIT MANAGEMEN that starts with # XXXX has been received and should be completed by XX/XX/XXXX. 

Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number XXXX MIDLAND CREDIT MANAGEM Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2300.00} Highest balance - Original creditor XXXX XXXX  Original account number XXXX
Product: Vehicle loan or lease

I have attempted since XXXX of this year to rectify a payment/ property tax issue. I paid my property tax on my current lease and the money was put onto an old lease that I hadn't had for two and half years. In XXXX Kia Finance showed I owed the property tax on my current lease. I tried to get them to transfer the funds from the old closed out account to the new one. They have not done it. And also, it showed on one of my statements that the amount owed was past due, which is was not because it was paid and put on the wrong account. For fear of the " past due '' amount going to collections I paid it. So, I've paid my property tax twice. They continue to tell me I will be getting a refund for the overpayment but will not send the money. This has gone on for months with them telling me I will get a refund.
Product: Credit reporting or other personal consumer reports

My credit report should be clear for 3 negative accounts been more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information regarding XXXX XXXX XXXX with TransUnion twice. First on XX/XX/ and second on XX/XX/. I have tried contacting them XXXX XXXX twice and they will not speak to me because I am clearly not the account holder. I am female and he is male. He has also contacted them to straighten this out. Supposedly it is fixed, but the information will not come off my credit report. The account is held by my twin brother and not me.
Product: Credit reporting or other personal consumer reports

I was in the process of trying to co-sign for an individual but couldnt do so because I had unfair and unusual credit reports on my account which didnt make me a qualified applicant at the time. 

Upon discovering the fraudulent entries, I have taken immediate steps to rectify the situation. I have reported the fraudulent activity to the credit bureaus and have initiated the dispute process to have these inaccuracies removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am a student that is looking for housing near campus and found the offer on XXXX on XX/XX/2020. I called at first and someone picked up the phone but since I couldn't hear her properly on the phone, all of my interaction was through the messages. We ask for a showing to the house and she stated that due to COVID-19, she is not offering a showing but we can drop by the house to check it out. This is a pretty hard time for everyone so I believe her, so I went to see the house from the outside. I then pay the application fee of {$150.00} for 3 tenants, {$1000.00} deposit fee, {$500.00} pet fee, and {$800.00} for first-month rent. After we sign the lease, one tenant decides to drop out due to his personal reasons and we had to pay the landlord {$200.00} for redoing the lease. However, after the lease is signed, she stated that her husband found another person that is willing to pay 6 months in advance of the rent and they are considering giving the house to them. The lease agreement somewhat stated that they have the privilege the terminate lease within 10 days of the notice and I didn't want to go through more trouble to find another house go I agreed to pay in advance too. I sent her another {$2000.00} but couldn't do more due to the monthly limit on XXXX. We came to an agreement to pay the rest after we move in. After a week, we just want to confirm the date we will be receiving the keys. Usually, it should be a week before the move-in date and after messaging her, she refused to send us the keys until we make all the payment or until the move-in date. I called her phone and she never answers but does reply to the messages. I find this very suspicious so my friends went to XXXX and found the contact information for the house and found out that the house was sold a week ago, which is after I signed the lease. That house did not belong to her. Then my friend contact the landlord and disguised himself as someone that is interested in the house. She replied that the house is available ASAP. 

I immediately contacted my bank about this and my dispute was denied because XXXX does not offer fraud protection so I can not get the money reimbursed. I also contacted the Kentucky State Police and XXXX Metro Police but they said that my case is considered a civil issue which they do not take care of. I already filed the scam complaint to the FTC and the Kentucky Attorney 's office. I am currently just waiting for their response. 

I have the lease agreement which contains the scammers name and the attorneys name and our messages. Currently, I havent confronted the landlord about the scam to not alert her, but I was supposed to move into the house on XX/XX/XXXX. I know that I am not going to receive the keys but after this date, Im not sure if they can still be tracked down. I suspect that her phone is a prepaid phone. I also have our phone messages still saved. If you need that information, please contact me.