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

ATTN : FACT Act Dispute Request, XXXX. XXXX  XXXX, XXXX, GA, XXXX To whom it may concern I have recently received a copy of my Lexis Nexis report and I see that you may be the nexus of all the incorrect information reporting to the credit bureaus. I will go section by section of the incorrect reporting so it will be easy for you to correct and delete this. 

In the address section of this report, you have a USPS date last certified XX/XX/2020 : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX HOW CAN I HAVE 5 DIFFERENT ADDRESSES AT ONE TIME?? 

My only address other college has only been XXXX XXXX XXXX XXXX XXXX, AL XXXX. I have proof of this with my drivers license and my bank statement I keep providing to you. If you would simply do your own investigation and reach out to these addresses you will know I have never lived at these other places. 

In Section 1 you have multiple instances of the name MR XXXX XXXX XXXX. My name has never been XXXX. This incorrect name is also only attached to incorrect addresses, not my actual address. The fact you have an incorrect name lets me know you have done no research or due diligence into the protection and accuracy of my data. 

In section 3, in the Educational Records, you have me attending XXXX  XXXX University. The reported age is XXXX! Im XXXX now and I am attending XXXX XXXX University! I have proof in the form of a transcript. Where are you getting this information from??? Are you suggesting I live at 5 different places AND attend multiple schools at the same time? You dont even report my actual school! 

You can not keep saying youre verifying information when all you are doing is typing my name into a database and it is spitting out the same incorrect information. Call these people, call the courts, call the owners of these homes, and verify it that way. Ask for my signatures and ACTUAL proof. Otherwise, you are just wasting my time and deteriorating my quality of life because of your incorrect data. If you do not correct this, I will be seeking damages in court. 

Resolution Remove all incorrect names, addresses, schools, and public records attached to these incorrect names and addresses. 

Proof of Incorrect Information ( Attached ) Proof of Address ( XXXX XXXX XXXX XXXX XXXX, Al XXXX ) Drivers License, Bank Statement, Transcript Proof of Identity Theft Police Report Proof of School Transcript
Product: Credit reporting

I have SEVERAL unauthorized credit inquires showing on my credit report. I have disputed these inquiries twice with XXXX, Equifax, and XXXX and received a letter stating that they would have to remain on my credit report because they are under 2years old. As a result of one of my last phone conversations with XXXX, a 90 day fraud alert was place on my report with all three bureaus. I am in NO way liable for these inquiries and would like for them to be removed. I did not authorize all of these companies to run my credit.
Product: Debt collection

Received a letter from agency in XXXX that this debt is closed by them and that it will be removed from credit bureaus but as of today this is still reporting and bureaus are not following orders of delete as stated on letter from creditor. Account is closed and should be deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally submit a complaint against EverBank due to their failure to provide me with a critical document verifying that I did not place a hold or unauthorized charge on a transaction involving my sister, XXXX XXXX, who banks with XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/year>2024, I sent XXXX separate XXXX payments to her : {$20.00} {$170.00} Despite these payments being successfully sent, I am now being accused of placing a hold on them. In an effort to clear up this matter, I have contacted EverBank multiple times, yet I have been repeatedly given the runaround without a resolution
Product: Credit reporting or other personal consumer reports

I checked my credit report from this morning and I am still disappointed with the content of the report. There are still inaccurate accounts on my credit report. Please check the documents I've sent regarding this matter.
Product: Credit card

I submitted a dispute to the credit card Company Chase, and they told me the amount charged would be removed from my account in 14days. I called back to check in on the dispute, and they stated an internal error caued the dispute not to be resolved, and it would take another 14 days to process. Then they still didnt remove the fees from my account. This is Fruad!!! 14 days is 14 days! They need to immediately remove the charge and credit my account. If my credit is affected by this, and I fail to get a home because of this, I will sue!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that my score dropped due to remarks being added. I contacted Equifax and requested that the remarks be removed and was told that remarks are unable to be removed, which is untrue. The process to get a hold of them is ridiculous and absurd.
Product: Debt collection

Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses. 

In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine. 

They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id. 

It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.
Product: Debt collection

Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit
Product: Credit card or prepaid card

The credit card is the US Bank XXXX XXXX card. One of the advertised benefits is they will reimburse you for XXXX. This was the first charge that I had placed after I received the card back on XX/XX/XXXX. After my statement closed and I noticed I didn't get reimbursed, I called and was first told it could take a couple weeks. When that didn't happen the next person I called told me it could take 6 to 8 weeks after the purchase was made to receive it. When that didn't happen the next person said he had no idea when I would get reimbursed and couldn't give me a reason why it was not happening. 

Hoping to get better results, I contacted a member from their social media team on XXXX. This person actually contacted me on the phone and seemed to understand my problems and concerns. He told me he would submit a complaint on my behalf to corporate. He stated " this will usually light a fire under their XXXX '' and I should expect a call within a few days. This took place on XX/XX/XXXX. I haven't heard anything back yet. It has been 10 weeks since this purchase was made and I haven't received anything other than one sorry excuse after another.
Product: Credit reporting or other personal consumer reports

I am unable to access my account at Experian and thus unable to unfreeze my credit score. Their system is not accepting my user ID. I have escalated to a manager at Experian customer support, and she was not able to fix the problem. She has escalated internally and they say they are going to look into it, but will not give guidance on how long it will take. Meanwhile, I can not access my Experian account
Product: Credit reporting, credit repair services, or other personal consumer reports

Open : XXXX XXXX Amount {$92.00} accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Student loan

I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, this is invalid late payment for XX/XX/2018 on two accounts, If you can not supply this delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Product: Debt collection

Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$210.00}.
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX and will attach the response from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to Consumer Adjustment and I also sent a certified letter which I have attached the proof they got it and signed for it. I have no knowledge of this account, company, and never had any contract with this company. I also have attached the 1692G Letter based on the FDPCA. They have violated the law by reporting this unverifiable and incorrect information on my XXXX  credit report. This account needs to be deleted immediately for law violations of the FDPCA. I've tried to resolve this with the company, but clearly, compliance and accuracy are not important to them. Delete this information from my XXXX Credit Report.
Product: Credit card or prepaid card

Hello officer, On XX/XX/2022, I opened my Discover card account successfully. 

On XX/XX/2022, I activated my Discover card account successfully. 

On XX/XX/2022, Discover required my consent to receive income information from the IRS. I gave them permission to check my information from the IRS by signing Consent Form XXXX At this moment, Discover temporarily froze my account to use. 

On XX/XX/2022, Discover completed verification of my account successfully, and my account was lifted. 

On XX/XX/2022, Discover closed my account permanently since they are not able to verify my personal information on my account. 

I dont understand why Discover closed my account since I filed my tax to the IRS and state tax office and got a refund successfully. I am not sure what information they wish to verify. Since my account is closed with ambiguous reason, I wrote a mail to Discover to ask for a reason, but I didn't get any response. 

In XXXX, I tried to reopen my Discover account, and I was rejected since I did not have sufficient credit history. At the same time, I tried to open one XXXX XXXX XXXX XXXX XXXX XXXX credit account which does not require good credit history at all, but was also rejected. I believe that Discover severely hurt my credit history for no reason, and even forbade me to apply for a credit card in another company.
Product: Consumer Loan

I had a car loan out with this company more than a few years ago. I was in an accident and the vehicle was totaled. I had full coverage insurance along with full gap coverage. I am now getting letters saying that I still owe this company money on said vehicle. I have called several times to find out what and why I owe them money. The first few years they where telling me it was unpaid deductable. Which according to the insurance company was not the case. I have recently called trying to get answers to have this resolved and they are now trying to tell me this is for unpaid payments from the time of the total till the claim was paid? I asked them to please show me when and how much the payments where for and to explain why and how much I owe. They are unable to furnish this. All they ca ngive me is a total of what thy say I owe. I want this to be removed. There is no way I can owe them anything. My insurance says it was paid and the gap should have covered the rest! Im at my end with this. Please help.
Product: Debt collection

Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has many errors on my credit report and it has been sharing my privacy information to companies that Experian has business partnership. 
On Experian credit report of XXXX XXXX they have somebody last four number Social Security # XXXX. That's not my last four. 
Also, Their investigations with the Derogatory remarks of XXXX and past due of {$1600.00} is not correct. 
I didn't have no late payments for XXXX, XXXX or XX/XX/XXXX and in due of respect XXXX   put those past due payments of XXXX on the back of the my auto loan # XXXX.As I had to support my family in XXXX with Medical illness, Medical Expenses and Funeral Expenses from XXXX till XXXX. 
I also had Medical expenses and Financial Hardship in XXXX and XXXX as my XXXX has put me in pains and tribulations. 
I had XXXX in XXXX with XXXX XXXX XXXX of XXXX, California and I am still having pains and, Medical Treatments with Prescribed Medications. 
On my Experian credit report of XXXX XXXX there is many Unauthorize Hard Inquiries that I didn't give written or Verbal Consent to pull my credit. 
I marked all Unauthorized Hard Inquiries with wording and marking of Delete. 
Experian Credit Report is provide it for evidence. 

Also, XXXX XXXX XXXX hasn't updated my timely payments on my auto loan # XXXX as of XXXX XXXX and all my timely payments for my auto loan with XXXX  has been paid with my XXXX XXXX Account ending XXXX XXXX Report # XXXX for XXXX XXXX has many errors and inaccurate information. XXXX, needs to respectfully update my credit report immediately and also place my XXXX Auto Loan Account # XXXX to Current Status for XXXX, XXXX and XX/XX/XXXX and remove the derogatory remarks of {$1600.00} on my credit report of XXXX. 
XXXX XXXX XXXX made a error also placing XXXX, XXXX and XX/XX/XXXX past dues of XXXX. 
XXXX  agreement documents are presented to Consumer Financial Protection Agency, Federal Trade Commission and Department of Justice ADA Disability Civil Rights Act. 
I filed a ADA Disability violations and Discrimination and Retaliation against XXXX XXXX XXXX with Case file # XXXX filed on XXXX XXXX. 

According to XXXX XXXX XXXX credit monitoring XXXX   Credit Report the derogatory remarks of XXXX days late has been removed and my credit score with XXXX is around XXXX. 

XXXX and Experian hasn't removed the derogatory remarks on my credit report as of XXXX XXXX credit report with Experian and XXXX  has inaccurate information and errors for many years. 
Experian, XXXX  and XXXX and XXXX has violated my ADA Disability Civil Rights Act in which Discrimination and Retaliation has been implemented with Department of Justice. 
US Senator XXXX XXXX has been contacted on my issues with XXXX, Experian, XXXX   and XXXX. 
I am XXXX XXXX and XXXX. 
Urgent Matters!
Product: Mortgage

Ocwen put me on forced placed escrow, {$1100.00}, in XX/XX/2017. I completed the agreement with no late payment, with payment in full for an entire year, so my mortgage was supposed to go back to {$620.00}! XXXX payment was {$800.00} because the agent said there was some sort of " negative balance '' I still owed and once I paid that, which ironically was the final payment towards said " negative balance '', call back in a couple of weeks to make sure the process was completed. I called back, mid XXXX, to inquire. I was told there had to be some sort of evaluation to see if it would be accepted. I stated that I completed my end of the deal so my mortgage should be regular. Also, as a note included on my account was, my mortgage would continue to increase if I didnt take advantage of a refinance option with them. I would rather die than continue any relationship with this company. I spoke with an agent today who stated, all I had to do was submit a written request to be taken off of the forced placed escrow, and it SHOULD go back to normal, once I submit the {$470.00} that I owed for some other " negative balance '' that I had absolutely no knowledge of. I am currently paying {$800.00}, after a deduction, and a review of my account from mid XXXX inquiry!
Product: Credit reporting, credit repair services, or other personal consumer reports

Both American Education Services and XXXX are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

Southern management systems XXXX XXXX XXXX  XXXX XXXX fl XXXX. Did not try to contact me in any way prior to me receiving a letter from them on XX/XX/2024, which was sent on XX/XX/XXXX th of 2024 according to the outside of the letter. No email, no calls, no voicemails. nothing. On this letter it states i lived at XXXX XXXX, XXXX XXXX. I did not i Lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX fl XXXX. On this letter it also has the date of XX/XX/XXXX th of 2024 they received this information and I have until XX/XX/XXXX th of 2024 to pay XXXX which it does not show me a itemized bill just i owe {$350.00}. I moved from XXXX XXXX XXXX  on XXXX  XXXX XXXX and I gave the Key back to the office manager XXXX XXXX and I was expecting my full deposit of {$550.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3  years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.