23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

On XXXX XX/XX/2023, I signed up for credit repair services with Lexington Law, and agreed to be billed $ XXXX for said services. 

I paid an initial account setup/access fee, and then was billed for what I believed was the first month of service on XXXX XX/XX/2023. It was my belief that in paying a monthly rate for services rendered, this payment covered services from XXXX XXXX to XXXX XX/XX/2023. 

On XXXX XX/XX/2023, I called Lexington Law 's call center and requested cancellation of the account prior to my next billing date of XXXX XX/XX/2023. I was informed at that time that my payment on XXXX XXXX was actually a " fee, '' rather than a charge for services rendered for the month, and that my first payment for services actually rendered was not charged until XXXX XX/XX/2023 ( date following the month of service ). In Lexington Law 's opinion, I still owed them for services rendered between XXXX XXXX to XXXX XX/XX/2023. 

I believe that the use of an initial " fee '' that appears to be the same charge as a monthly payment for services rendered is fraudulent and misleading.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that I have a collection of {$500.00} for an assumed medical bill. I disagree that this is my account and I have never been admitted for any services nor authorized for this to be reported let alone by a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax 3 letters trying to resolve this incorrect information on my credit report from XXXX XXXX Acct # XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023. I requested proof of the debt and proof that the information is accurate because it is not accurate and does not have accurate consistent information such as Open date, last activity date etc. Equifax replies with debt is accurate with no proof in addition to the information remains incorrect which inhibits me from receiving credit and when I do credit its extended its at a higher rate.

I have included a recent 3 bureau Credit report to show proof of inaccuracies and it also illustrate this discrepancies in information between all three Bureaus which none of the 3 bureaus have been able to show proof and especially show information with accurate open dates and last activity dates. I have also included the three letters I have sent them. And also the generic letter they sent me without furnish proof on the accuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Debt collection

I was contacted by Sterling and Associates first on XX/XX/XXXXposing as CCO and saying that I owed {$900.00} on a payday loan from XXXX. They told me that a warrant was out for my arrest for 2 felony charges and wished me luck in court if I didn't pay within 24 hrs. Reluctantly I paid {$500.00} on the XX/XX/XXXX and {$400.00} on the XX/XX/XXXXto handle the matter. I was contacted by the same company on XX/XX/XXXX stating I owed on another loan from XXXX {$1200.00}. This time they said they had a case # and multiple felony charges have been placed under my name and I again was facing jail time if not paid in 24 hrs. I reluctantly paid on the XX/XX/XXXX and XX/XX/XXXX. They sent me conformation of payment this time stating it was on behalf of XXXX XXXX and XXXX but paid out to XXXX XXXX and XXXX. I have looked up both companies and they do not exist and the phone # attached is from XXXX. I reported Sterling and Associates to BBB and they never received response from them on my case. Sterling is unaccredited with BBB and has an F rating with multiple complaints of Payday Loan Debt Fraud. I have paid this company {$2100.00} this year hoping to not go to jail and I have been told by BB, law enforcement, and lawyers that I've been scammed. I want my money back and these fraudulent companies brought to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit line increase to one of my cards. They immediately sent me a letter that this was not possible since I already have the highest credit amount that they issue. Yet they ran a hard inquiry to my credit, hurting my score for no reason whatsoever. They should not have ran my credit and put a hard inquiry against my credit score, knowing full well that there was no way to increase my credit limit since I already had the highest amount they offer to any of their clients. I want this inquiry removed from my credit. 

KOHLS/CAPONE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Product: Debt collection

Portfolio Recovery Associates have been calling me for years regarding a XXXX XXXX credit card debt -- - I'm not confirming that the debt is even mine -- - for which the statute of limitations has long been expired ( XXXX years expired ). I have repeatedly asked them to stop calling me, but the continue. In addition to the continual phone calls, they send me letters on a ~monthly basis. They have followed me across multiple phone numbers and home addresses in multiple states.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/1987 XXXX : {$5500.00}. Please delete.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Governs access to the consumer credit report, records and promotes accuracy fairness and privacy of personal information. assembled by credit reporting my information was exposed to the data breach.
Product: Credit reporting or other personal consumer reports

Today, I found incorrect accounts listed on my credit report, and I have no idea how they got there. I checked my credit report as usual, but there were unexpected discrepancies this time. I tried refreshing my browser, hoping it was a glitch, but the errors persisted. Because of this issue, I am asking for a detailed review of the documents I've sent to ensure this problem is resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported as inaccurate on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, Account : 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

I had A loan from loan till payday and they started charging me Fees that were unrealistic. I cant pay the Excess because its putting a Hardship on my Livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/XXXX Account number XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on XXXX by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my Equifax account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies XXXX, XXXX, and Equifax. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.
Product: Credit reporting or other personal consumer reports

XXXX I sent Creditor Certified Letter asking them for Validation of Debt they are reporting on my credit report. I received NO RESPONSE. Per federal law and the FDCPA, regulation under the following 15 U.S.C. & 1792 et seq. 15 U.S.C. & 1692g, Validation of Debts, creditors are REQUIRED to provide this information within 30 days upon request or RELEASE the invalidated debt information from my credit report. I'm including PROOF that the creditor received the notification request from me more than XXXX  days ago and DID NOT respond nor did they REMOVE the XXXX items listed on my credit report.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the reported transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I send Experian proof that this account is showing twice which they said were verified and accurate which isnt how can this be accurate if it showing twice.i am not accepting any updates they had more than the time aloud by law and extra time.i am seeking a {$1000.00} are more for this hardship Experian credit reporting is causing me
Product: Bank account or service

At XXXX point in my life, I was married. My spouse and I got a divorce that finalized in XXXX. While married, my spouse and I had a joint bank account with Wachovia ( Which is now a XXXX Account ). The account was originally started by myself, in XXXX, but I added her to the account after marriage in case of emergencies. After our divorce, Wells Fargo would not allow either myself or my ex-wife off of the account without both of us being present. I asked about it in person, she later requested in after Wells Fargo almost deposited her pay check into my bank account. I was told that we both had to be present, which seems impossible since we live over XXXX miles apart now. 

A couple of days ago, my ex-wife made some bank transactions to pay bills, and wells fargo took the money from my bank account. I had spoken with my ex-wife about it, I am not sure how honest she is being, but she claimed that she tried to leave the bank account, but was well aware that we were still joined on the account ( Despite her last name being completely different now ), and that she tried to leave the account after they almost deposited her paycheck into my account, but they would not allow her to do so. 

The bank is not allowing me to dispute the transaction at all, despite the fact that my ex wife has a completely different last name, we are n't married anymore, and it appears as even if I continue to bank with them ( Which is unlikely to happen ) that we will always be automatically linked to the original account in some way shape or form. As a result, I feel as though they are trapping me, and or refusing to resolve a simple problem.
Product: Mortgage

Penny Mac failed to close on a loan modification in time for me to get the HAMP benefit that closed on XX/XX/XXXX which raised my monthly payments significantly. Penny Mac requested pre-approval from the VA for a loan of 3.5 % and a 480 month term and the VA granted an approval for this loan. I spoke with the VA and they will confirm this.

On XX/XX/XXXX a trial modification payment of {$2700.00} at an interest rate of 3.5 % commenced. I made 7 payments from XX/XX/XXXX to XX/XX/XXXX and Penny Mac failed to send me closing loan documents. Now Penny Mac is requesting a loan modification of XXXX with an interest rate of 4.375 %. On top of this new loan they added my ex-wife to the proposed mortgage. She was not on the original mortgage and she recently claimed bankruptcy.
Product: Debt or credit management

I XXXX XXXX started with XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> they changed me XXXX up front for XXXX months an XXXX each month after that takeing off debt an check account
Product: Credit reporting or other personal consumer reports

Credit union of ga has been reported to my report and countless times I have disputed asked for validation asked for photo age, it's a issue with when I call and give them my info it pulls up nothing they only able to locate me by dl number. I've sent documentions proving that I wasn't even living in ga and still nothing but verified and not providing documentation on how and what methods
Product: Credit reporting, credit repair services, or other personal consumer reports

No record found of account when company was notified. XXXX has already removed tradeline from file.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per XXXX XXXX XXXX this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity