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

Inquiry pulled without consent by XXXX on XXXX XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX XXXX XXXX without consent on XX/XX/XXXX Collection account by XXXX XXXX XXXX which is not mine for {$1900.00} Collection account by Account XXXX XXXX which is not mine for {$130.00} Equifax had refused to authenticate and remove inaccurate information
Product: Mortgage

Nationstar Mortgage is not providing a loan pay off statement despite numerous requests. Are they not legally obligated to provide this in a timely manner. Also, they state on their website that I am charged {$25.00} every I request a payoff statement. I have requested it XXXX times. Yet, they have sent me nothing. So, they are going to charge me {$75.00} for them not doing anything?
Product: Credit card

I have received multiple items that are damaged or missing parts/pieces from Kohl 's Department Store. I have sent the damaged items back over and over ; each time they continuously charge my card, add interest, and never refund me the full value of the items. After this last order I contacted the manufacturers directly about the multiple damaged items ; the items are being damaged by the delivery vendor of Kohl 's. Kohl 's is supposed to file a claim with the shipping vendor and receive the value of the items from their shipping vendor whom is destroying the merchandise. Kohl 's refuses to remove the charges from my credit card and obtain the merchandise value from their shipping vendor. Kohl 's has stated they expect me to ship the items back again and again and again, continue to recharge my card over and over, wait several weeks for a refund, and then they will dispute the broken items with the shipping vendor ; as per the manufacturers and Ohio law this is incorrect. Kohl 's needs to remove the items from my credit card account and pursue their vendor for the costs. Also, there are several returned items which Kohl 's has not taken off my charge account and several items which they charged me for then refunded me less than what I had paid for the items. I have contacted Kohl 's probably 19 times including speaking with and emailing : XXXX XXXX XXXX Executive Correspondence Advisor, Office of the President Kohl 's Department Stores XXXX XXXX refuses to credit my account which is fraudulent. Kohl 's customer service representatives have stated on multiple occasions on a recorded line that there is not one single person employed by Kohl 's that is able to make outbound phone calls so I find it strange that the Corporate Office has contacted me. Now, XXXX from Kohl 's is refusing to return my phone calls or email and will not remove all of the charges from my Kohl 's charge.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. 
I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that suggest possible identity theft, as I did not authorize these accounts. I've raised this issue previously and now urgently request that these accounts be promptly removed from my report. Their presence is causing me significant stress. These entries do not reflect my true credit history or financial habits, complicating my efforts to manage this situation. If this matter is not resolved satisfactorily, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope for a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 year conventional loan with PMI that was sold to The XXXX XXXX without my permission or knowledge in 2017. I was just turned down on a land loan because the XXXX XXXX reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and I noticed several inquiries that I do not recognize. The details are as follows : XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished.

FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts.
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 to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt or credit management

Experian has not been properly investigating my accounts on my credit report. 

The following accounts have been coming back verified when I know in fact they are incorrect and Experian is not investigating as they should. 

The following accounts need to be investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Dear CFPB I am disputing a duplicate and inaccurate account entry appearing on my credit report. Below are the details : Creditor : XXXX Account Status : Charge-Off ( Transferred ) Balance : {$0.00} Credit Limit : {$700.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This same account is reported twice, which violates 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ). I request the immediate deletion of one or both entries for the following reasons : Duplicate Reporting ( FCRA 623 Violation ) The credit bureaus can not report the same account multiple times under different entries, as this negatively impacts my credit score unfairly.

Unverifiable Debt ( FCRA 609 Violation ) If XXXX can not provide a signed credit agreement, full payment history, and proof that both accounts are legitimate, one or both must be removed.

Potential Identity Theft & Consumer Data Breach Due to security issues with Equifax and XXXX, I demand verification that these are not fraudulent duplicates. 
Failure to Correct Per FACTA ( 15 U.S.C. 1681c-1 ) If this duplicate reporting is not corrected, it may be grounds for further legal action.

Per FCRA regulations, you have 30 days to investigate and correct this matter. If this error can not be verified, both entries must be deleted from my credit report. 

Please send a written confirmation of the investigation results to my address. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; XXXX XXXXXXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Caliber Home Loans, Inc., keeps ignorning all my pre- and post-petition payments for the Chapter XXXX Bankruptcy filed in XX/XX/XXXX. Caliber began servicing the loan in XX/XX/XXXX I I had a balance in both the Unapplied Funds and Suspense Accounts for {$920.00}, and {$1100.00}, and and additional {$100.00} and they failed to post them as regular payments. Further, a payment was posted to the loan in XX/XX/XXXX, yet Caliber continued to attempt to foreclose on my property, without complying with all HUD requirements nor proving they have standing to do. I attach a copy of their recent letter stating some of the regular payments I made during XX/XX/XXXX along with an IRS XXXX FORM showing interest and taxes paid to date, and therefore request an audit of the loan. The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with a non existent lender called XXXX XXXX   XXXX, dba XXXX. The previous servicer of the loan was not XXXX, but another company called XXXX XXXX, XXXX. Caliber allegedly became the servicer of the loan on XX/XX/XXXX. The loan according to them was contractually due for the XX/XX/XXXX and subsequent monthly installments when I filed Chapter XXXX Bk in XX/XX/XXXX. I then proceeded to make all my pre and post-petition payments to the Trustee and Caliber Home Loans as agreed during XX/XX/XXXX as you can see in their attached letter, and non the less, they have continued to foreclose and a sale date is currently scheduled for XX/XX/XXXX. I have requested clarification many times and they continue to ignore me. The payments posted in conjunction with the Chapter XXXX Bankruptcy ( Case Number XXXX ), is now in Appeal with the Bankruptcy Appellate Court ( BAP ). On XX/XX/XXXX. Caliber claims it has not received evidence to support all post-petition plan payments in accordance with the Chapter XXXX Bankruptcy plan, and yet presents them all in the letter attached. Caliber filed a Motion for Relief on XX/XX/XXXX based on misrepresentations, which was granted by the Bankruptcy Court and recorded on XX/XX/XXXX, and Appealed immediately thereafter. Another suspense balance of {$1600.00} during this year XX/XX/XXXX was applied to the XX/XX/XXXX, contractual installment of {$1600.00}, which should have been posted to the regular payment in XX/XX/XXXX. All payments have not been correctly applied to the loan, and Caliber has failed to provide copies of the true post-petition payment history, as well as the loans consolidated transaction history for verification ; therefore, an additional audit is required. It is also important to note that they have failed to establish standing to pursue foreclosure proceedings, and have failed to verify that all foreclosure proceedings have been conducted in accordance with federal and state laws. Their alleged Single Point of Contact ( SPOC ) is never the same person and the Manager named XXXX at extension XXXX at that Department on XXXX fails to return my calls. For the above reasons I request a full audit be carried out immediately on the loan by the CFPB and they order that this unlawful foreclosure be stopped while the BK Appeal is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX ) via certified mail on XX/XX/2020. 
In my letter received by Experian, XXXX and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. I received a notice from Experian stating that they would complete my reinvestigation on or around XX/XX/XXXX but I never received that update and I have no update at all from XXXX or XXXX.
Product: Debt collection

I notice four different medical debt listed from unknown source. I never received any type of correspondence regarding these debts. Its a violation of my HIPPAA rights
Product: Credit reporting or other personal consumer reports

I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

For the months of XXXX, XXXX and XX/XX/2020 I was charged a {$3.00} fee for paper statements. I never received any paper statements and did not change my settings from paperless to paper statements.
Product: Credit reporting

On XX/XX/2017 I submitted a dispute to all XXXX CRAs. I have received the results from TransUnion and XXXX, but not XXXX. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against XXXX in Court. Each report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date. Dispite providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt. XXXX has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax to delete XXXX incorrect late payments on my credit report on XX/XX/2022, but they failed to response to me within 30 days.
Product: Credit reporting or other personal consumer reports

I had identify theft recently and placed fraud alerts on all 3 reports. However, with equifax it still manages to get fraud inquires. See below list of fraud inquires : Equifax : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX. I got a notification from my navy federal credit union credit card for 3 purchases 1. XXXX XXXX for {$200.00} 2. XXXX for {$39.00} 3. XXXX for {$4400.00} I was out of town for most of the day on business. 
I contacted the bank on XX/XX/XXXX to make them aware of the fraudulent/unauthorized purchases on my card. They finished their investigation and told me that they did not see any fraudulent activity. I put in a request for a second dispute review on XX/XX/XXXX because I knew something was wrong because I dont make big purchases. And when they did a second review they denied it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

address associated with my credit report is not being reported.
Product: Mortgage

This is actually the second time I am contacting due to Wells Fargo charging me for forced placed insurance and adding all these fees-I have never been late with a payment nor have I ever had a lapse in my homeowners insurance held by XXXX XXXX since the time I purchased the home. The gentleman that was handling this complaint with Wells Fargo stated he had fixed the problem and credited my account but as you can see through the attached files they have not-I know there is a class action with the Auto finance department but I believe their practices go beyond the auto department. As you can see from the statement that there is still a charge for insurance for XXXX and now they have just added another XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the accuracy on the following account because it is aged past 7 years and it is not supposed to be reporting on my credit report. I consulted with a lawyer because I have been fighting this some time now, They told me that this falls under the following section inside of the FCRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I have asked this company not to report this because it is outdated past 7 years. I have even told Equifax, XXXX, and XXXX to look at it because it is outdated. It is also reporting incorrectly across all XXXX bureaus. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. The account type details is different, the reporting balances are different, the date of last payment and date of last activity is different and and both have not been touched since 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX