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

The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the $ 593 monthly payment and $ XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to XXXX XXXX XXXX per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled Out An application Back In XXXX XXXX,2017. 
My Step dad also filled out an Application. 
The car lot Man name XXXX, commutation to my That my credit were bad. 
He told me that I did not get approve for the loan. 
A week from that I got that loan denied letter in the mail. 
Miss place my papers. 
I have requested paper from the Company that said they can not prove me no papers. 
Three Months ago I visit the car lot. 
XXXX ask me why are the loan on your credit you did not get approve for that loan, Our Step dad got approve. 
I need them to remove off my credit if they can not provide my denied loan letter.
Product: Credit reporting or other personal consumer reports

My information was used to purchase vehicles get my credit score ran from agencies I dont know about money was took and all now I have to pay back cause my information was used fraudulent
Product: Credit reporting or other personal consumer reports

This account was opened XXXX. I advised that this account was created fraudulently and should be removed from my credit report. I provided police report XXXX with the XXXX, MN police department. I also advised I may have been a victim of XXXX swap as I have no idea how someone could open the account under my name. There is no other way for me to prove fraud besides filing a police report. No one seems to be able to help me. I continue to get harassed by phone calls, emails, and text messages to pay a balance that is not mine.
Product: Credit reporting or other personal consumer reports

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you this information as they explicitly stated that they don't report information to anyone. 

But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Product: Checking or savings account

On XX/XX/25 this year, my Chase debit card, linked to my checking account, was used in an ATM near where I lived by someone I don't know. The total amount was {$1200.00}. I found these transactions and called customer service to file a fraud claim. They did file the claim, and my credit was temporarily back. Also, they closed my debit card and told me they would send me a new one, which I haven't received yet. And yesterday, XX/XX/XXXX, the bank reversed all the money I got back and told me that the transactions were authorized by me, which I never knew.
Product: Credit reporting

Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : https : XXXX I have also attached my credit report that will reflect the late payments on XXXX, XXXX, and Equifax.
Product: Mortgage

On XX/XX/year> an $ XXXX loan that was serviced by Shellpoint was paid off. I just discovered that they never recorded a XXXX. I have tried to contact them to get the XXXX, however the e-mail address on their website aXXXX XXXX XXXX XXXX XXXX XXXX ) is no longer valid and multiple attempts to call their customer service number ( XXXX ) have been unsuccessful because their system does not recognize the loan number, SS # or phone number and gives no option to speak with a customer service representative. I also called NewRez at XXXX, who purchased Shellpoint and had the same issue. Their system gave an option to speak with a customer service representative, but when chosen, it hung up on me.
Product: Credit card or prepaid card

i have been trying to pay this bill for 3-4 months now, every time i've tried to make a payment it has been returned, or the tried to process it multiple times resulting in over drafting my checking account. i've contacted the company by phone and email and they haven't helped me to fix this problem. i had to close my checking account because they kept trying to process a payment that i didn't authorize, which was continually over drafting my account and causing me to have to pay over draft fees.
Product: Debt collection

I have a payment plan scheduled for the XXXX of every month. I have explained my financial situation and my inability to pay more. The company calls me repeatedly every day from several numbers, emails me and has contacted my employers several times even with a payment plan in place. 

After informing the company that I do not work for a previous employer they continue to contact them as well as my XXXX ex partner, divulging information as to where I am currently living and my current phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home mortgage modification which also included a second mortgage. The loans were transferred to two separate mortgage servicers. The maturity date on the primary loan is XXXX. However, the servicer of the 2nd loan is reporting that my monthly payments are {$11.00}, XXXX, which is the total balance of the loan. As a result of the inaccurate information my debt ratio is 250 %. I've disputed with both the credit bureaus and the servicer, Select Portfolio.
Product: Mortgage

Well my husband did here from Bank of America within the time limit you provided to them but the problem is they contacted my husband and told him that if he had any questions that he could call them and the person would be more than happy to speak to him. The person my husband talked to was XXXX XXXX in the Regulator Complaint Department at Bank of America she was XXXX women XXXX ext XXXX. Well she set some paperwork showing us some payments we made at the time and told him we could not get the HUD taken of our loan but never gave an explanation of why, plus every time my husband called back he was never able to get her. My husband has more questions like why was the HUD placed on the loan and were is all the paperwork about the modification, and why is it we nor the mortgage company we are with have any paperwork from our loan. At this time XXXXXXXX XXXX  has no paperwork about our loan with Bank of America nor do we have a paperwork about our modification. Bank of America is one of the worst Banking institution to ever work with. I would like to no were else we can report them too. We are sure that Bank of America is doing a lot of people wrong and that if a stop is not put to it there will be a lot of people victimize by them just like we are. Please let us no were else we can report them to. First complaint # XXXX Thank you for all of you help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a false and fraudulent inquiry on my credit report from XXXX on XX/XX/2021. I never signed up for credit with them this is false please remove
Product: Debt collection

Midland Credit Management keeps calling me and sending letters threatening to sue me. I've explained to this company multiple times that I do not have any money and XXXX XXXX XXXX is currently handling my debt ( s ). Midland Credit Management insists on contacting & harassing me when ive repeatedly asked them to stop! They are well aware & know to contact XXXX XXXX XXXX pertaining to the debt or any other information that they may seek.
Product: Credit card or prepaid card

Opted into a 0 % promo APR on a credit card, at the time had automatic payment set up for the entire statement balance - after that payment came through switched to just the minimum payment, and 2 months later received a 'minimum interest charge ' on my statement, yet the " Interest Charge '' Table in the statement showed {$0.00} balance was subject to interest. 

Actually, all values on the table are {$0.00}, so the information is completely incorrect. Spoke with a representative about why I had a charge, she was kind and patiently sorted it out. Because I had made purchases before the autopay of statement balance was paid, there was a {$25.00} minimum payment applied to purchases subject to 0 % APR, and not those prior to the promotion starting ( in other words, they applied the first {$25.00} to the 0 % purchases ). This is a common practice, but seems also deceptive in its own right ( intending to cause financial harm ). The agent said they would waive the fee, so I am happy with that part of the resolution. 

The bigger issue here is that every statement includes misleading or incorrect information about balances subject to interest charges. This needs to be fixed. If I had seen there was still {$25.00} subject to interest I would have paid it off immediately, and I can only imagine how other customers are being affected by this erroneous data.
Product: Mortgage

My home is a VA backed mortgage and the new servicing company is called XXXX XXXX XXXX, in the past two months they have committed fraud, theft, lied, attempted to use my name to obtain and change my Insurance Policies, attempted to extort cash from me. 

They have lied numerous times all documented on a Gov recorded phones and to my Insurance company. They have been misleading me a XXXX Veteran and attempting to extort fund from me illegally. 

They have on now several occasions false called people using my name to obtain personal and private data in an attempt to defraud me and the US Gov is a Mortgage fraud scam. 

I urgently request a Criminal Investigation commence at once
Product: Checking or savings account

I called into the branch on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, il XXXX, several times and had to deal with the unprofessional nasty branch manager. I called two weeks ago to inform her that I attempted to open an account online and that I was advised I needed to go into the branch to provide the documents. When I called and informed the lady she said she would call me back and never did. I called again last week and spoke to a lady and asked to speak to the branch manager since I had called and already had an issue with someone who supposedly was going to call me back and never did ; the lady on the phone told me the branch manager was helping another customer. I then asked her well what is the branch managers name, she then changed her dialogued and told me that she was the branch manager and that she was busy and hung up the phone on me. I was beyond XXXX off at this point of how nasty and rude this lady was especially to try to manipulate me into thinking she was someone else on the phone by referring to herself in the third person. I called the bank 's customer service department and talked to a pompous guy named XXXX. I explained to him the whole situation and that I wanted to put in a formal complaint against the branch manager he claimed that he had completed the complaint but that he wanted to try to reach out to the bank directly and see if he could reach the branch manager. He disconnected the call and no one from this bank has tried to resolve or contact me regarding this matter nor was the complaint ever filed.
Product: Debt collection

On both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX from the XXXX XXXX XXXX XXXX left me a message that seem robotic saying to call them to verify my address in order to expedite my assets
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Delete XXXX  XXXX XXXX XXXX Delete XXXX XXXX XXXX XXXX  I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account aroundXX/XX/XXXX/XX/XX/XXXX. They are showing my account is 60 days past due which it isnt Especially for the months XXXX, XXXX and XX/XX/XXXX. I've contacted the company several times. Wrote letters and complained to the XXXX. I've made multiple attempts over the phone as well to get this resolved. Several times over the phone when their System never took out onXX/XX/XXXX and XX/XX/XXXX I paid afterwards and they still weren't 30 days past due. The screen shots show missed payments on loan and yet the membership fees always went through
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ).
Product: Debt collection

This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!
Product: Credit reporting or other personal consumer reports

do not XXXX where this inquiry came from XXXX XXXX XXXX XXXX PLEASE SEE ATTACHED LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get Experian to remove Personal Statement that is on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION KEEP REPORTING A BANKCRUPTCY ON MY CONSUMER REPORT. 

THEY STATE XXXX XXXX HAS VERIFIED AND THAT IS FALSE. 
I HAVE MY CONSUMER FILE FROM XXXX XXXX AND THERE IS NO REPORT OF BANKCRUPTCY ON THE FILE I HAVE FROM XX/XX/2023 BOTH XXXX AND TRANSUNION HAVE BEEN VIOLATING MY CONSUMER RIGHTS.

15USC1681 ( A ) ( 4 ) CONGRETIONAL FINDINGS AND STATEMENT OF PURPOSE ( a ) accuracy and fairness ( 4 ) need to ensure grave responsibility and impartiality. 
XXXX AND TRANSUNION NEGLECTED TO INVESTIGATE PROPERLY
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh 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 items 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 an alleged fraud or extortion. 
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