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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$97.00} XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/2020 XXXX  XXXX Owed : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX TRUSTEE, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXXXXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX  XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that i have not given your company any consent to furnish any accounts on my behalf. i do understand that your company assumed this role. But because of your reporting it has drastically affected my livelihood. I have been denied limit increase on credit cards Also been denied credit cards. Due to your organization furnishing accounts without my consent.

There is no law that says that stats anything needs to be reported to a consumer reporting agency. Which makes you liable for what is being reported.

Also, according to 15 USC 1681 ( a ) ( 4 ) a consumer reporting agency must exercise their grave responsibility with fairness, impartiality, and a respect to the consumer rights to privacy Your organization didn't honor your responsibilities with fairness impartiality, nor did you protect my rights to privacy.

I request that you give me a piece of evidence that the information which is being reported has been properly investigated Also provide details of the system adopted by your organization to determine whether the transactions took place or not. I have been trying to handle this matter since 2021 and also seen an article that shows that your organization have not been properly investigating consumer disputes.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization didnt not adopt such procedures that meet the need of commerce for consumer credit as a result I demand that you do the following XXXX. Delete the following late payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Dept of Ed? XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Delete the following collections and charge XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Thank you for your cooperation
Product: Debt collection

Midland Funding is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.
Product: Credit reporting or other personal consumer reports

The account that I am disputing is ( XXXXXXXX XXXX  ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
Product: Bank account or service

I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.
Product: Mortgage

Completed a short sale, received approval to patriciate and gave me a number they wanted for the offer. The Realtor got amount requested, buyer is ready to settle. The lender keeps rescheduling which is postponed each time. I have a buyer ready to go to settlement immediately and the lender is refusing to send the approval prior to sheriff sale. This is the third time they have done this. The buyer has offered appraised value that the lender already said they would accept. Buyer is ready to settle.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report again after having reported to Barclays Bank an inquire on my credit by letter in XX/XX/2022, I have not applied for any credit with Barclays Bank, I am not aware of why this appears on my credit and even though I wrote to them in XX/XX/2022 they have not removed this request from my credit
Product: Credit reporting or other personal consumer reports

The following accounts are not mine, they are the product of identity theft, I was living in XXXX when this identity theft occurred, I have contacted the creditors and the credit bureaus to no avail, I am running out of options and the situation is not getting resolved, the accounts in question are : XXXX XXXX XXXX XXXX  {$5800.00} opened XX/XX/XXXX XXXX XXXX XXXX {$32000.00} opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX These accounts were opened and used without my knowledge or consent, I was not even living in the U.S when this happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open Auto loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Product: Student loan

I am filing this complaint against Sallie Mae for predatory lending practices, improper loan servicing, and unethical behavior by their third-party collection agency, XXXX XXXX XXXX XXXX I borrowed {$20000.00} in private student loans during my XXXX program at the University of Maryland XXXX XXXX ( XXXX ). Due to excessively high interest rates and Sallie Maes refusal to offer affordable repayment options, my loan balance has ballooned to over {$45000.00}. Sallie Maes unethical practices, including unauthorized disclosures of my personal financial information, have further escalated the situation. 

Key Points of Complaint : XXXX. XXXX XXXX and XXXX XXXX : My initial loan balance was {$20000.00}, but Sallie Maes high interest rates ( 14 % ) have caused it to grow to over {$45000.00}. Despite my efforts to make payments, the companys refusal to provide income-driven repayment options or adjust my payment schedule led to my default in XX/XX/XXXX. 
XXXX. Unaffordable Payment Demands and Default : After experiencing layoffs in both XXXX and XXXX, I could no longer afford the increasing monthly payments, which XXXX to nearly {$6000.00}. Sallie Mae and their collection agency, XXXX XXXX XXXX, continue to demand full repayment of over {$45000.00} within 12 months. This is the same payment amount that led to my default in the first place. They also threaten legal action and wage garnishment, exacerbating my financial stress. 
XXXX. Misrepresentation of Interest Accrual During Forbearance : When I requested forbearance due to financial hardship, I was informed by Sallie Mae that interest would not continue to accrue after the loans were charged off. However, interest continued to accrue, adding significantly to my debt. 
XXXX. Improper Disclosure of Personal Information to a Third Party : XXXX XXXX XXXX, acting on behalf of Sallie Mae, violated my privacy by contacting my mother, who is not listed on the loan or any financial agreements, and disclosing sensitive financial information, including my routing and checking numbers. This has caused significant tension in my household. 
When I confronted them, they stated that they would do whatever it takes to contact me and blamed my mother for answering the phone. This is a clear violation of consumer privacy and unethical conduct by the third-party collection agency. 
XXXX. Threats of Legal Action and Wage Garnishment : XXXX XXXX XXXX has continuously threatened legal action and wage garnishment if I do not comply with their demands to pay the settlement amount in full within 12 months, despite my clear inability to afford such payments. 

I am requesting that the CFPB investigate Sallie Mae and their collection agencys predatory and unethical practices. I am seeking relief in the form of affordable repayment options and an end to the inappropriate actions by their collection agency, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

PLEASE I'M BEGGING YOU TO REMOVE THE INTERNAL LOCK TO MY CREDIT REPORT BECAUSE OF THAT I CAN'T ACCESS MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud. 

Within XXXX business days of your receiving this request, block the fraudulent, inaccurate, and false information, which consists of a personal loan opened at XXXX XXXX  on XX/XX/year>, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at XXXX XXXX
Product: Student loan

I have been battling this loan company since the inception of the loan. They keep reporting me as late when the account is supposed to be in deferment. At the start of the pandemic I was told that my account was covered in the federal stay ordered my the President but my account was still reported as late. I was told to dispute it for correction but instead they verified. it. I spoke with a supervisor XXXX XXXX who was supposed to look into this and call me back but never did. The I spoke with her Sup a XXXX XXXX XXXX who assured me she would correct the reporting and the account was to be in deferment. Not only was it not corrected they now have 4 late payments reporting. The only thing reporting late on my credit and its killing my XXXXredit score and preventing me from being able to make financial moves
Product: Credit reporting or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Mortgage

I had 3 mortgages with Wells Fargo they refused modify any of loans I lost my properties
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted the morning of  XXXX   XXXX  by a representative for  Quicken Loan s who said he wanted to see if there would be a way to save money on my mortgage that is with the company already. While talking he stated that to know my options he would have to get an updated credit report. I verified my information with the representative but never gave permission to pull credit. Afterwards I received an alert stating that I had a new inquiry on my credit report. I talked with the company and asked that it be removed because I never agreed to it and was told that by verifying my information I was agreeing to a credit pull and that Quicken Loans would not remove the inquiry from my credit report. The representative also pulled my wife 's credit that same day and at no point did my wife speak with anyone at the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent reports to XXXX, XXXX and Experian. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

There were 4 fraud transaction made in XXXX in my account. I called HomeDepot to dispute the charges. The charges come back to my account in XXXX, and I called to re-open the case. They " claim '' I should be responsible for the charges after investigation. 

I opened the HomeDepot Card in year end XXXX, when I live in XXXX XXXX, XXXX. I moved to my new house in XXXX XXXX in year end XXXX, and then I never used the home depot card again. 

In XX/XX/XXXX, I got email notification for the fraud transaction in my account. I called to dispute the charges. Then I looked into my account. HomeDepot sent an new card to my previous apartment in XXXX. Then the fraud transaction happened. So I think someone with access to the mailbox of my previous apartment activated the card. We have moved out from the apartment for 2 years. We have no access to the card that HomeDepot mailed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$130.00}
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 14 usc 1681. 

XXXX XXXX XXXX  ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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 Rhenish 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

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by 1st Progress/Synovus Bank XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX These late payments have adversely affected my XXXX XXXX and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to [ Credit Reporting Agency Name ], and therefore, the inclusion of these late payments in my credit report is a violation of this provision.

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that XXXX, XXXX, and XXXX promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance Owed : {$6100.00}.