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

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for me.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Which has not occurred in my case. Also these credit reporting agencies know it is illegal to report transaction history as well as utilization per 15 USC 1681i where it states " a report containing information solely as to transactions or experiences between the consumer and the person making the report ; meaning between myself and the institution I have dealings with not these third party companies. I am upholding my rights as a federally protected consumer. I have provided opt out notices to the financial intuitions which all have advised that my personal information isn't shared which I am aware is not the case per the Privacy Act Of 1974.
Product: Mortgage

In XXXX, XXXX I filed for a loan modification with XXXX XXXX, the manager of my mortgage at the time. XXXX is the holder of the mortgage. After I missed 3 payments in XXXX, XXXX and XXXX, my mortgage management was transferred to SPS ( Select Portfolio Servicing ). This effectively let XXXX off the hook for dealing with my loan modification request, for which all requested documents had been provided. SPS took over the management of the mortgage in XXXX, XXXX. They began a process of requesting documents over and over again, and I provided them. Due to the time involved, I reached a point in my finances when I was unable to pay my real estate taxes for XXXX. I have now provided the last of the requested documents, but am faced with a new problem. They paid my real estate taxes, and added the amount to my balance. Then they created an escrow account, with my new monthly payment amounting to {$8900.00}. My average monthly income is {$9000.00}. As you can see, the combined mortgage and real estate escrow payments would leave me without any income to pay any other bills, including food. Rather than assisting me, they have made my life more miserable.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter about items that were falsely put on my credit report for them to be taken off it is now XX/XX/XXXX I do know that due to covid response times may take longer than usual. I still feel like I am being taken advantage of and ignored, I have been patient and demand the negative items be deleted at once or I will seek litigation. my Information was also damaged due to the XXXX data breach. I hope someone can please hep me and get this false information removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. 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 without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

XXXX XXXX XXXX is telling me I owe them {$6500.00}. This is originally from a Capital One credit card. As Ive explained umpteen times to Capital One, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
Product: Credit reporting

XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your help.
Product: Debt collection

I was approved for a loan by Light Stream. They looked like a legitimate loan company. They claimed they were sending me a loan for {$5000.00}. To pay off some debt but they hacked my account and did a bunch of fake disputes on my account and now I owe {$3400.00}. 
Her name was XXXX she was pretending to be the manager. 
Her XXXX phone # are/were XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against  Exquifax  and  XXXX    XXXX   XXXX  .     I settled all debt that i had with  XXXX   XXXX   XXXX  back in the beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle  XXXX  account with the collection agency.  XXXX  of those accounts that i settled was for  XXXX  dollars. It was removed from my  XXXX  report but not my equifax report. I filed a dispute once i saw that it had not fell off of my equifax report. Today when i checked my credit report again, it is still there. So i called  XXXX   XXXX   XXXX  today and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all  XXXX  credit agencies on  XX/XX/2017   , and that i need to call equifax to have them remove it. So i called equifax and they told me that  XXXX   XXXX  had never report that the account was settled on  XX/XX/2017   , the also said that the last time   XXXX   XXXX   reported was on  XX/XX/2017   . I let them now that i have my bank statement proving that i paid off my debt   XXXX   XXXX    and they said it did n't matter. They also said that i had to call   XXXX   XXXX   back because they are the only one who can take it off my credit report. I called  XXXX    XXXX   back after my frustrating conversation with equifax and told them what equifax said and they told me again that they had reported it on  XX/XX/2017   . They also told me to call equifax back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to equifax they should remove it from my account. I requested that  XXXX   XXXX  send me a settlement letter stating that the accounts were settled and reported to equifax. I settled this account going on 2 months ago and it is still on my account, negatively affecting my credit score. it is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau Trans Union, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Product: Consumer Loan

I have a loan for a mobile home with Vanderbilt Mortgage. In XXXX 2014, about {$5000.00} were added on my billing statement as " service fees. '' I have no idea why this was added or what it was for. Despite me paying my regular monthly payment each month, this {$5000.00} shows up as a past due amount. I have never been given an explanation for the {$5000.00}, despite my attempts to communicate with Vanderbilt. I have attached my billing statements, a letter I wrote to Vanderbilt and a letter that New Mexico XXXX wrote. Vanderbilt has not responded to any letter.
Product: Credit reporting or other personal consumer reports

I

recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

This is a follow-up to complaint XXXX. Truist continues reporting of information past seven years of first delinquency. Truist should be fined for this continued abuse. Payment history only goes until XX/XX/year> and thus its their attempt to keep negative information on credit reports longer than seven years.
Product: Vehicle loan or lease

Account opened XX/XX/year> reported as balance of XXXX which is correct. Bank of America then updated XX/XX/year> with a balance of XXXX and a missed payment when no payment is due until XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is concerning INACCURACIES in the XXXX XXXX XXXX Account reported on my Equifax Credit Report. The PAYMENT HISTORY reported shows Late Payments and Charge Off in the years XXXX and XXXX ( See Attachment 1 ). This XXXX XXXX XXXX   Account was sent to a Debt Collector, AT LEAST, by XX/XX/XXXX ; I PAID and SETTLED with XXXX XXXX XXXX, the Debt Collector, in XXXX ( See Attachment 2 ). There should be NO PAYMENT HISTORY reported after the account was sent to Debt Collection in XXXX or earlier. I have contacted XXXX XXXX XXXX numerous times about these INACCURACIES, and no action was taken. I have disputed these INACCURACIES with Equifax, most recently last month, on XX/XX/XXXX. I recently received a notice from Equifax that this reinvestigation was completed on XX/XX/XXXX ... even though, the disputed account still contain the comment Consumer disputes - reinvestigation in progress ( See Attachment 1 ).
Product: Credit reporting or other personal consumer reports

I made a payment on XX/XX/XXXX, the last day of my 30 days to not be late with XXXX payment and on XX/XX/XXXX requested a foreberance request. I was approved on an unknown date and notified via email on the XXXX of XXXX. The last date showing my payment was past due was on the XXXX when I accepted my request. From that date on, my account has shown not only am I not past due, but that my account doesnt have payment due until XX/XX/XXXX and that the company would not be reporting my payments as past due. I have two 30 day late payments on my credit report and have file multiple credit disputes to correct this. The last late notice that the company has was XX/XX/XXXX well within my grace period for XXXX payment. If I had known my payment was past due I wouldve paid it. If I had known my last payment was late, I wouldve been able to renew my lease and not send in a 60 day notice, assuming Id be able to lease somewhere else. Ive requested documentation and not received any response. No response to any emails other than your information is received and the last conversation disconnected on me after I brought up the involvement of my attorney.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting 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 AND CONFIDENTIUALITY UNDER 15 USC 1681. 

ACCOUNT NAME ACCOUNT NUMBER 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 An 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, 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 BELEIVE THAT THE INFORMATION IS INACCURATE.
Product: Vehicle loan or lease

I would like to file a complaint against Global Lending Services LLC. This company provided me a high interest loan due to my poor credit in 2014. The monthly payment amount is {$480.00}. I was furloughed this year due to the pandemic but made sure to still pay my financial obligations. I noticed that Global Lending Services reported me 60 days past due for the months of XXXX and XXXX on my XXXX credit file. I disputed the late payments with XXXX and provided proof that I paid my monthly obligation. GLS informed XXXX that the information provided was accurate. I called GLS to inquire why they are reporting me late. The company informed me that because the loan term came to an end, it doesn't matter if I am paying them every month because the full amount is due immediately. The account manager informed me that they will continue to report me late ( even if I pay my monthly payment ) and once the account reached 120 days, the account will be listed as a charge off. The remaining loan amount is also non-consistent. On XXXX the remaining amount displays {$4500.00}. On XXXX the remaining amount is {$6200.00}. On XXXX the remaining amount is {$5800.00}. On The Global Lending Services Site the payoff quote is XXXX. The company is reporting inaccurate information on every platform! This is devastating as I have made sure to continue to pay this company even with the high interest rates and overly high late charges that have accumulated on my account. The account manager informed me that I am still financially obligated, but they will report me late until I give them the full amount ( over {$4000.00} ). This is a predatory loan. I am also accruing a daily interest amount of {$2.00}. This is a trap and really has to be illegal. Please assist me!
Product: Money transfer, virtual currency, or money service

To whom may it concern My name is XXXX XXXX And i live in XXXX, NY Since 2021 i have been experiencing the worst treatment ever from our financial system. 
I never has issues before but since 2021 i have encountered the biggest obstruction to to enjoy from my financial citizen rights. 

I am not allow to do any kind of transaction national or international, to any family members or for any business purpose without been block or without been sent through the fraud department. This happen to me, to my brother or any friend who try or need to do a transaction with. It also happen if i try to do an international transaction to a family member abroad or with business purpose in any financial institution. 

I am been investigate as a criminal when doing transaction trough banks or through any online money transfer or for the banks fraud department. 

I also have a digital wallet business and i am also blocked from running my business national or international. My wallet website is quickmo.net/quickmo.ca My latest experience was with the following institutions : XXXX XXXX, XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want an investigation to find out who is behind of this global blockage towards me, my family and my business peers? 
Why i am been blocked from the entire financial system in USA and XXXX to do transaction like a normal civilian? 

I am not a criminal and i am been treated like the worst criminal of the world. 

I believe that i rights a citizen of the USA and i deserve to be treated with the same respect that this institutions treat other people. 

If you need prove of the transactions let me know Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to this company XXXX XXXX XXXX through XXXX XXXX XXXX XXXX  several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX  because I obtained that email address in XXXX and this account was opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw that on XX/XX/2022 a company called " XXXX '' ran my credit report. This inquiry has caused my credit score to decrease and I fear my identity may have been stolen.
Product: Checking or savings account

I am on my 2nd time requesting bank of America to file a appeal on there decision to deny me my claim I filed on XXXX & XXXX ( filed dates of claims ) .that I received a letter from Bank of America that supposably i had {$4800.00} in my account from a servicing office that refunded my account so when i called the bank to request a debit card they said there's been 2 issues out already so I then ask them about this letter that I received saying I had credited returned funds in my account I was then told i only had XXXX XXXX on my account i said hows that if im receiving this letter saying i have funds so i filed a dispute fraud dispute a week and a half later got denied was told that a letter was sent out 10 days from complaint that i was denied never recieved any letter and then again today XXXX 14 days after still no letter called today and was told I was denied and once again a letter was sent out yesterday supposably to inform me that I've been denied so now with no 10 days and we'll credit a account upon investigation nothing nothing nothing... So I filed another complaint upon there decision and was told I can't be credited they have no documents upon why they made there decision to deny my fraud complaint and transaction complaint don't have them documents nor can distribute them that's for banks only to have or get witch is XXXX  so can I please get some help