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

When I reviewed my Credit Report I noticed that there is still XXXX XXXXXXXX that is reporting erroneous and incorrect information.I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation.
Product: Credit card or prepaid card

Vacation to XXXX was purchased through XXXX in XXXX of this year for traveling XX/XX/XXXX - XXXX. Travel was restricted to XXXX due to the pandemic. I tried to reschedule the flights and resort stay to later in the year working directly with the resort and airline. I also tried working with XXXX, they responded once and then went dark. It turned out that XXXX did not pay the resort or airlines even though I was only a few days away from the scheduled travel dates. 
XXXX has closed up shop and cheated many people out of their vacations / money. 
I have filed a police report with the city in FL is which they are / were located. 
I have disputed the charge through Chase and XXXX XXXX XXXX, both have denied my claim. 
XXXX XXXX website and phones are non-responsive. 
I paid the credit card company for services that I ended up not receiving and the final vendors did not receive payment, otherwise I could have rescheduled the flights and hotel stay. 
There is even a XXXX page 'scammed by XXXX XXXX XXXX 
I have attached relevant emails and the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted with the difficulty in which having erroneous information deleted form my account has been. My wife and I are purchasing a home and this incorrect information remains on my Experian credit report. XXXX blames Experian and Experian blames XXXX. The erroneous account has been deleted from my XXXX and XXXX report but remains on my Experian report. I have a latter from XXXX ( attached ) requesting the deletion from my credit report. 

I have made online requests, written requests and requests by certified mail. 

The item listed by XXXX XXXX is inaccurate because this is not my XXXX account. My identity was compromised and the account was opened, without my knowledge or permission. The account was used to purchase and to use a phone that the identity thief had shipped and billed to his address. This address had been listed on my credit report as mine until it was recently removed. As soon as I was made aware of the situation by XXXX, I paid the account because XXXX indicated this was the fastest course of action. 

I have attempted work with XXXX XXXX to resolve this situation and I have paid the account to resolve it as well. This has become an impossible situation to resolve with XXXX or with Experian. Here is a summary of the facts : -The XXXX XXXX account listed IS NOT MINE. 
-I have exhausted everything I can do with XXXX XXXX to resolve this including : +I have disputed this with XXXX and Experian in writing and they have verified in writing that this should be disputed. ( See attached ) +Experian has made multiple attempts to verify with XXXX with no success to verify the letter. 
+I have made multiple calls to XXXX Executive offices and they will no longer assist or verify. 
-There is a letter attached requesting the information be deleted and yet the information remains. Experian has called XXXX multiple times to verify the letter and they can not get anyone to help them including the Executive Office and Account Recovery. 

I need some additional help in order to get this deleted from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have permissible purpose, nor did they have my written instruction. I have attempted to resolve the issue directly with Experian. Please see attached certified mail and receipts. According the FCRA, Experian violated 2 of my rights : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$74.00} XXXX  XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$74.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received 2 Written Threats from Cedars Business Services LLC about 2 different international accounts supposedly from a Bank in XXXX with which I never has any account. 
1st written threat dated XX/XX/2019 for an amount of {$15.00} 2nd written threat dated XX/XX/2019 for an amount of {$2300.00} Both letters are menacing me reporting me to the report me to the credit bureau if I do not pay these debt within 30 days of these present notices.
Product: Debt collection

XXXX XXXX took over my charge off a Wells Fargo Credit and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can XXXX XXXX charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent XXXX vaildation XX/XX/2021 not vericatiion they was not able to provide infomation i requested I never signed hipaa release form with the following alleged medical creditors Therefore these are inaccurate hipaa violations and i want these deleted off my credit report immediately Hippa laws protect my medical and personal information and without my consent now you are aware and i must have those deleted off my credit report immediately 45 CFR Part 160 Pursuant to 45 CFR part 160 and part 164 subparts a and ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. 

XXXX XXXX has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. 

This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. 

XXXX XXXX XXXX the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Dispute of Late Payment Reporting under 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ) and FCRA Dear XXXX, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account as reflected on my credit report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, I believe that the reporting of this late payment is inaccurate and in violation of several key statutes. 

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( 1 ), transactions or experiences between me, the consumer, and XXXX XXXX are not considered to be subject to third-party credit reporting. Since this late payment pertains to a transaction or experience exclusively between XXXX XXXX and myself, it should not have been reported to any credit reporting agency. Therefore, I am requesting that you reverse this late payment and mark the account as current or have it removed from my credit profile immediately. 

Furthermore, under 15 U.S. Code 1666b, it is required that a creditor, such as XXXX XXXX, provide billing statements at least XXXX  days before the due date. I request that you provide documentation proving that my billing statements were sent to me within the required timeframe. If you can not provide these documents, this would constitute a violation of my rights under the XXXX XXXX Billing Act ( FCBA ) and further demonstrate that the reported late payment is invalid. 

Additionally, FCRA Section XXXX and Section XXXX support that any information on my credit report must be verifiable, accurate, and reported in compliance with the FCRA. If the late payment can not be fully verified in accordance with these sections, it must be removed from my credit report immediately. 

In light of these legal provisions, I kindly request that you : XXXX. Reverse the late payment and mark my account as current, or XXXX. Remove the late payment from my credit report entirely, and XXXX. Provide evidence that you complied with 15 U.S. Code 1666b by sending the required billing statements at least XXXX  days prior to the due date. 

If you are unable to comply with these requests or provide verifiable documentation supporting the late payment, you are required by law to remove the negative reporting from my credit file in accordance with the FCRA. 

I look forward to your prompt response and resolution of this matter within the XXXX timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the delivery of my account statements. I have always appreciated the level of service provided. However, recently I have encountered a problem regarding the delivery of my account statements. Despite maintaining a small balance in my account, I have not been receiving my monthly statements. BARCLAYS BANK/OLD NAVY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove them asap as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX and XXXX
Product: Student loan

Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transactions and experiences between I, a Federally Protected Consumer, and this Financial Institution are being reported to XXXX, XXXX, and XXXX without any disclosure or consent from me. This is my Third and FINAL Notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX switched my loan to another lender it cause my credit report to drop 29 points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to XXXX now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.
Product: Student loan

My current private loan payment is too high ( around {$310.00} per month. Some loans as high as 11 % interest rate! ) and they will not let me go into a reduced rate repayment program because I have a co-signer who refuses to cooperate. Instead I have to attempt to make this payment that I can not make and they will not accept a smaller monthly payment.
Product: Consumer Loan

I spoke with a representative on XXXX XXXX, 2016 with Wells Fargo Dealer Services. I was advised of an incorrect fax number to fax over documentation in reference to my Social Security update request. I received a new number from Social Security from the Social Security Administration due to Identity theft/fraud. I later called Wells Fargo and spoke with a representative and I advised I faxed the documents over to the fax number XXXX attention XXXX. The representative I spoke to stated that this was incorrect and I should sent it to XXXX XXXX Department at fax number XXXX. I advised the second rep that I paid {$23.00}. I advised since it was not my fault if there would be any compensation and I was told there was nothing they could do and that I would have to re-fax the documents to them.
Product: Debt collection

A man showed up to my house and approached my daughter, telling her that she needed to call me and tell me to pay my debt. And then approached my brother next-door and told him that I put this house up for in a loan, which is not my house saying I used big screen TVs, and some other stuff in the loan, which is a lie he never showed any ID or gave his name and was very rude. This is tower loan in XXXX XXXX XXXX They also called from several different numbers every day and send text messages from XXXX different number numbers and they call from XXXX different numbers.
Product: Vehicle loan or lease

XXXX I contacted company to discuss parameters for removing me from loan that I had not consented to. They advised that there were no options available for me at this time and that I would simply have to wait for car owner to make changes independently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 18 unauthorized inquiries on my credit reports that appear to have come from some credit phishing scam. They are listed below : 18inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date A
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found out these items arent mine are all and are affecting my credit report.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$14000.00} XXXX XXXX {$810.00} XXXX {$0.00} DPT ED XXXX {$30000.00} XXXX {$1700.00} XXXX XXXX  {$400.00} XXXX XXXX XXXX {$580.00} INQUIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company PARAMOUNT RECOVERY SYS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Checking or savings account

On XX/XX/2024 bmo bank negligence litigations my name is XXXX XXXX a victim of theft & fraud due to bmo bank negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I paid for Equifax XXXX XXXX XXXX XXXX XXXX. 
My wife is now trying to purchase a car. The dealership is able to pull all credit reporting agencies EXCEPT Equifax. We are about to lose a {$3000.00} deposit on a high end vehicle because the Equifax report shows blanks. 

We have spent all day calling Equifax trying to find or fix this error. Every time we log into the Equifax online portal, we get a message that says there is an error and to call Equifax with error code " XXXX ''. We have done this around 10 times today with no results. Now, we are being told to fax copies of her Drivers License and Social security card to some " XXXX '' Number. Equifax wants to argue that there is something locked on my wife 's credit report, but XXXX and XXXX have no such issues. Equifax maintains my wife 's credit report is unlocked, but NO ONE can access it. They are also unable to address any issues or questions with my wife directly over the phone - after confirming her identity each and every single time. 

We content Equifax has a defective product and should be liable for lose of the {$3000.00} deposit against this vehicle, should that occur. At the very least, they should refund all fees paid for this service as being a defective product.
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 # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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: Mortgage

The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. 
In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. 

Later i was informed that was an error by their employee, the repayment plan had failed and I now owed two months mortgage again. 
Beyond that it has just been a financial nightmare. 

I sent correspondence, never got a reply ... ..and have since that time made numerous phonecalls to find out why I am liable for their error. 

The late charges have been mounting and completely destroyed my credit, along with posting a former loan modification on my report. 

I cant catch up and no other lenders will touch me because of my credit now. 

I have attempted three further modifications with my current lender, in an effort to remain in my home ... ..simply because i felt I had no other options left, and because the monthly payment recently increased and I have so many late fees now. All have been denied. 

I can show a good payment history as far back as XXXX. 

I now believe this company is very much in error, and am afraid they will cost me my home. They have certainly already destroyed my credit, and left me with no other way forward but to lodge a complaint.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 609B. I AM ALSO A VICTIM OF XXXX XXXX AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB