23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXX XXXX XXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.
Product: Credit reporting or other personal consumer reports

I requested that validation three times as well as disputed this on my credit reports this company states that my name is XXXX XXXX that has never been my name nor have I ever lived at that address. I have asked them to show me proof where I signed any document for this question account. All they say is they have valid proof when I requested the debt validation they sent the paperwork to be in the name of the reference name above, which is not my name I asked them to show me a physical signature. I asked them to show me proof like my physical ID or something because the names do not match mine I am just asking them to remove this for my credit report as it is hindering my report this is false information and if they do not remove it, I will be forced to file a lawsuit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Account # XXXX Open XX/XX/year> Creditor creating negative remarks of ( 3 ) late payments on my credit report and not properly following Credit consumer laws 15 USC 1666 ( b ) and 15 USC 1637 they are not following proper practices of consumer laws
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the XXXX XXXX  XXXX, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was settled on XX/XX/2018 along with 2 other outstanding accounts with this firm. However this one remains as an active collection. Repeated attempts to resolve the issue have failed. I'm requesting relief/ assistance from the CFPB in this matter
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Complaint Regarding Auto Repossession Incorrectly Reported on Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint concerning the inaccurate reporting of an auto repossession on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1681 a ( 2 ) ( B ) regarding exclusions from a consumer report. 

Recently, I discovered that an auto repossession was listed on my credit report. However, this repossession should be excluded from consumer credit reporting under the aforementioned code due to the use of my Social Security card in the transaction. This exclusion applies to any credit transaction wherein a Social Security card is utilized. Violation of Exclusion : Despite the exclusion provision, the auto repossession was inaccurately included in my credit report, which has had adverse effects on my creditworthiness and financial standing. This inclusion violates the protections afforded to consumers under the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX 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 has 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 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 or other personal consumer reports

XXXX  has correctly updated the status of my XXXX XXXX XXXX with a balance of XXXX. Transunion seems to be having trouble updating my credit report correctly after I have and XXXX have provided documentation that my balance is XXXX. I literally received seven pages of a waste of paper on XX/XX/year> still showing an incorrect balance for the XXXXXXXX XXXX XXXX I filed the complaint with CFPB on XX/XX/year>.
Product: Student loan

I consolidated my loans back in XXXX before the pause began. I was on an income based repayment plan, and when I consolidated the loans, they put me on the standard plan which quadrupled my payment. And the plan they put me on no longer qualifies for public service loan forgiveness. 
at this point, they have put me on a procedural forbearance, which will not be allowing me to pay and make payments towards my public service forgiveness. They have not reconciled my payments to match the loans. All of my loans should show the same amount of payment counted towards forgiveness, but they all are still varied. 
I just want help getting this taken care of so that I can be done making payments on these loans that have just accrued so much interest that I could have XXXX degrees by now.
Product: Mortgage

Shellpoint needs to go back and credit to me the insurance that they charged me for that was forced place on my loan I have included the policies 1 ) The HOA had polices on the Townhouse going back to XXXX and I have had insurance on the inside with XXXX XXXX XXXX XXXX  XXXX and even before with another company that I will recover the data from, that the property at XXXX XXXX XXXX was also covered under too 2 ) there is more I paid the property taxes too and I am getting the canceled checks from my bank.
Product: Mortgage

My husband and I are about to lose our home do to foreclosure. Our lender is Mr. Cooper ( aka Nationstar Mortgage ). We have fallen behind because my husbands identity was stolen and them I was scammed by people that said they were working out of XXXX, XXXX. We lost about {$10000.00}. We need help getting caught up with our mortgage company. Mr. Cooper referred us to the Hardest Hit  program in XXXX 2017. Since then we have been working with them just to have them call us today saying that we do not fit into any of their programs. I understand that this during time we celebrated XXXX, XXXX and XXXX XXXX but that should not have mattered putting us farther and farther behind on our mortgage. 

I have jumped through hoops getting them information with less than 24 hours notice. I cooperated with them completely just to be told that they can not help us. Hardest Hit should be closed down so that all of the employees can feel how I am feeling now. I suffer with chronic XXXX and all of this has put me into a deeper hole not wanting to even leave my bedroom or my bed. 

During this time I only received two phone calls from them all other communication was via email. Not very friendly in my book and a total lack of customer service. What if I did n't have email skills what would have happened with the Hardest Hit people? 

After hearing the news today I totally collapsed into a place that no one should ever be in. I have now regrouped and am I am trying to fight back against such a horrible government agency. Hardest Hit has been in trouble before sqandering money that should have been going to the tax payers. The only information that the Hardest Hit people suggested that I do is go back to my lender and see if they are willing to help us. 

Mr. Cooper is sending me papers so that I can apply for a modification program that is going to take at least another two months that will just put us farther behind on our mortgage. Mr. Cooper said that the money owed will just be added to the end of our loan and let us go back to our original monthly payment. Until all of the scamming, identity thefts and bank problems my husband and I always paid more on our mortgage reducing the amount several thousands of dollars. 

MY husband is a XXXX XXXX XXXX veteran and we never knew that he was entitled to XXXX because after returning from XXXX XXXX he was diagnosed with XXXX and because I had a good job his medical benefits were always paid by my employer. The US government saved a bundle of money because this was over a forty-five year timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a computer generated and generic reply to my compliant on XXXX that my account was correct and accurate per their investigation. I sent out an second letter on XXXX asking for proof of their investigation and whom they verified the bankruptcy with. I also requested their method of verification and validation of the bankruptcy, Example a copy of the Bankruptcy Petition for each bankruptcy case listed on my credit report for both Transunion and XXXX. 

Again I sent a copy of my XXXX file showing where they removed the incorrect filing of the bankruptcies do to inaccuracies and inability to verify as accurate on that report and I don't see how the 3 bureaus can show three different information. SAME AS I DID WITH MY FIRST COMPLIANT. I restated that these accounts are listed incorrectly and differently on each credit file, with invalid Court names and must be removed for inaccuracies. 

I did not provide my permission for these accounts to show on my credit file pursuant to section 603 you need to remove it immediately! 

as of this Date XXXX, I have not received a response, proof of investigation or who verified the bankruptcy, and nothing stating or shows on my credit file that these accounts are currently in depute or under investigation.
Product: Debt collection

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Product: Credit card or prepaid card

OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website.

I received notice from XXXX  XXXX   dated XX/XX/XXXX my letter was received and my account was closed.

Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law Alleged Data Provider, Alleged Account number, Alleged Adverse or Derogatory claim : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 180 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Date : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 180 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount XXXX {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$640.00}, Payment : XXXX XXXX XXXX XXXX : Collection/Chargeoff I have just learned that USC 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! 15 U.S.C 1681 Section 604 A section XXXX also states a consumer reporting agency can not furnish an account without my written instructions and consent! I never provided my consent! The credit bureaus are violating my rights and the law! I am demanding that these items be removed immediately!
Product: Credit reporting or other personal consumer reports

This pertains to my previous complaints : - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO EQUIFAX - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX I need your help to resolve this issue. I am exhausted from continuously communicating with the bureaus. I am not receiving any assistance. I have been a victim of identity theft, and these companies or individuals are taking advantage of my situation by exploiting my information. These fraudulent accounts and inaccurate reports have put me in a very difficult position. I am unable to apply for anything at this point due to the negative statements on my credit reports, which are not even mine. I am seeking justice for this unjust and delayed resolution. Please assist me. 

The following are the items that I need to be removed/corrected : XXXX ) I was not late for these payments : aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The creditors did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. 

XXXX ) Remove these fraudulent inquiries : a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the fraudulent accounts : a. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX ) I was informed that these would be removed from my account, but they are still here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX I have attached a copy of my FTC report, CFPB report, ID, proof of address, and SS card.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid off our Mortgage with XXXX in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX
Product: Credit reporting or other personal consumer reports

I called spoken to different representatives express that I never gave no company 's or third parties any authorized written permission to ha e or use my personal information to determine if I'm competent. User good faith this hasnt been the case n the amount of account receivables company 's have on my name with out me begin to access the account is punitive damage.n harming my family punitive damage financial situation financial situation
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX and XXXX. XXXX stated that they would allow me to defer payments due to the nationwide crisis during that time ( COVID XXXX ), and promised to continue reporting my account as current to the consumer reporting agencies ( CRAs ), however, XXXX reported my account as delinquent during the deferral period which is in violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of XXXX ( XXXX ). These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX have been reporting XXXX collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
Fix the following accounts in my file : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Wrong address listed on my Trans Union credit report. Never lived at XXXX XXXX in XXXX XXXX Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 2 inquiries that I have no clue why were run. I have not applied with capital one or kohls. Please see screenshot for inquiry details run on XX/XX/2023 and XXXX XXXX
Product: Debt collection

Advantage financial services LLC located in XXXX Idaho has three medical accounts in collections. 
None of these accounts are suppose to have interest or late payments, when I contacted AFS to resolve the issue. 
The employees there said that I don't know what I'm talking about, that they can change interest if they want to, and that it's my own fault for being irresponsible for my debt. 
The staff yell, threaten, and are very inappropriate.