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

The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX   XXXX  XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Charged off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$12000.00} Charged off Inquiry in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2100.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX  XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Not too long ago, I obtained a copy of my credit report and was shocked to find a credit inquiry by your company that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 

I thank you in advance for your cooperation and hope to hear from you soon.
Product: Debt collection

I sent a validation letter and cease and desist to Portfolio Recovery Associates, LLC that was delivered on   XXXX   XXXX  , 2017 at   XXXX   XXXX  . I then received a call from them demanding payment on   XXXX   XXXX   2017 at  XXXX . After telling the lady on the phone that I had sent a letter to stop calling she claimed they did not receive it and continued to demand payment. I stated that the letter was sent certified mail and you should stop calling. She then said " You have to submit a request in writing to stop the calls. '' I refused to speak to them any longer and hung up.
Product: Mortgage

I sent a complaint to you and Rushmore answered by saying they would let me do another modification the new packet was submitted through.. XXXX  This week My representative spoke to a person at Rushmore now they are saying they will not review me for a modification. Nothing changed.. which income has also rep said its too many missed payments. My XXXX Rep. XXXX XXXX said to send this complaint back to you so you can look into it. I want to modify.. this all started from a Covid forbearance.
Product: Credit reporting or other personal consumer reports

I just received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX  Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above.

I think 30 days should be long enough for your company to complete this investigation.
Product: Vehicle loan or lease

I had a car 15 years ago. I turned the car in to XXXX XXXX sales and got a new vehicle. 
They resold the car and told me i didn't owe anything back to them. 
This was not supposed to be on my credit. Only Transunion is reporting this. It is not a debt i owe at all. This is messing me up to get a mortgage.
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 15 USC 1681. 



XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I applied with Capital One for a Credit Line Increase - I was denied. I was able to open a new line of credit with Capital One. I was advised by a representative - even though my exposure would remain the same, I would be unable to merge the lines to one Line of Credit. I also was advised that ALL credit decisions are computer-based and their company does not take part in judgmental lending, period. Both requests were made same day, within an hour. Judgmental lending is necessary for a healthy credit relationship, as computers are not as smart as we give them credit for. These actions make NO SENSE.
Product: Credit reporting or other personal consumer reports

Complaint Details : This complaint addresses Transunions inaccurate reporting of late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year> under my XXXX XXXX XXXX account ( XXXX ). These late payment entries are incorrect, and I am requesting that they be reversed and corrected to reflect on-time payments. 

Key Points : Timely Payments : I have attached payment confirmations and bank statements proving that my payments were made on or before the due dates. There is no basis for these late payment marks. 

Inconsistent Reporting : Both TransUnion and XXXX report this account as " Paid or Paying as Agreed '' with no delinquencies for the disputed months, further highlighting that XXXX 's reporting is inaccurate. 

Impact of Inaccuracy : These erroneous late payment marks have negatively impacted my credit score and financial standing.

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : XXXX is required to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation. 

Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : Under the FCRA, XXXX must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance. 

Requested Resolution : I am requesting the CFPB to intervene and ensure that transunion takes the following actions : Reverse the Late Payment Marks : The late payment entries for XX/XX/year>, XX/XX/year>, and XX/XX/year> must be reversed and corrected to reflect on-time payments. 

Provide Verification or Documentation : If XXXX continues to assert the validity of these late payments, they must provide detailed documentation, including : Billing records for the disputed months. 
Proof of delinquency notices sent to me. 
Evidence showing that payments were not made within the agreed-upon terms. 
Update My Credit Report : Ensure my credit report accurately reflects that payments were made on time. 

Supporting Documents Enclosed : Payment confirmations for the disputed months. 
Bank statements demonstrating timely payments. 
Credit report comparisons showing discrepancies between TransUnion, XXXX, and XXXX. 
Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies. 

Thank you for your immediate attention to this matter. 

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

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices about {$1200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Money transfer, virtual currency, or money service

Welfare issues me rent checks to pay my rent but someone stole the rent checks out of my landlord 's mailbox now I have a idea of who the person is that stole the checks but welfare informed me that 3 of my rent checks where cashed the rent checks are in my landlord 's name but my landlord say they never got them and the never cashed them so I dont know what to do iam on the verge of being kicked out on the three plus iam three month back in rent because the checks where stoleing
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL XXXX MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- 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 These inquiries have an impact on my credit score and need to be removed. 

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

Accounts are showing as open but are in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for rental with XXXXXXXX XXXX XXXXXXXX and the application got denied. The interesting thing i had previously resided at this rental property. I received information for the leasing staff at XXXX that my application was denied due to my credit. Mind you my application included myself and my XXXX XXXX XXXX daughter as well. According to the law in Virginia every applicant over the age of XXXX is to complete a rental application. Both my daughter age XXXX and myself applied on XX/XX/23. The leasing contacted me that it was denied due to my credit. I currently have fair credit which is acceptable for leasing and no previous evictions. So i decided contact saferent rent and ask for a copy of the consumer report used. Saferent did not screen my daughter like they were suppose to and decided to only screen me. They informed me, information was pulled from XXXX. Upon reading their screen report provided to XXXX had inaccurate information. First they had my previous address listed incorrectly XXXX XXXX XXXX XXXX, XXXX XXXX VA which caused discrepancies with my address history. Next they had listed - Decline XXXX - please deliver adverse action letter. XXXX has not been processed. This information is inaccurate and am in danger of losing the rental property we applied to. Please this is unfair practice against me and others. We have been denied rental because of this screening company. XXXX informed me they have my accurate consumer information so the mistake is on saferent. I just lost {$100.00} dollars due to inaccurate information. I lived at this property before screened me and never had a problem till they started using Saferent.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

My first issue concerns the length of time it is taking to settle this refinance. On XX/XX/XXXX, I filed an loan application with Citizens Bank for re-financing my home. It 's now XX/XX/XXXX, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. 

Second issue : They are now insisting that I remove security bars from " all '' the basement windows in my home because they say these security bars pose a " safety issue '' rather than just removing the bars from XXXX window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner 's insurance company, who regularly do hazard inspections. They say this is the Underwriter 's request. 

Third issue : This mortgage was originally obtained through Citizens Bank in XX/XX/XXXX, but then a few months later, I got a " welcome letter '' from XXXX. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from XXXX. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? 

My fourth and final issue is that they are now quoting me over {$11000.00} in closing costs, for a refinancing on a {$610000.00} loan. That seems very high to me.
Product: Credit reporting or other personal consumer reports

I have disputed information on my credit report of wrong social security number, wrong phone numbers, wrong addresses and names on accounts that were reported and found to be fraudulent. I asked XXXX to delete the accounts and information. They refused on some and removed some just to put them back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX I sent XXXX a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent Equifax, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On Equifax, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within XXXX  days. The supporting documents are enclosed for your review and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to report on my credit reports ( Transunion and XXXX ) and changing the amounts back and forth between {$480.00} and {$480.00}. 
XXXX has already deleted/removed this account from my credit file. 
I need Transunion to follow suit. 

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$480.00} Balance Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes.