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

I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The Chapter XXXX was discharged in XX/XX/XXXX. Selene Finance is reporting on the credit report to XXXX that I was late on a payment in XX/XX/XXXX. In fact, this property and mortgage was included in the BK. they also are reporting activity on the account AFTER the XX/XX/XXXX BK start date. 
Both of those actions are in violation of the Fair Debt Reporting Act. As you know, the Fair debt Reporting Act forbids creditors from trying to collect a debt once BK proceedings have started. They also are still reporting as of XX/XX/XXXX " activity '' on this account that has been deleted since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies didn't ask my permission to run my credit with but law i am my credit by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent LexisNexis a letter of dispute regarding two public records ( Tax Liens ). XXXX and XXXX both reported that this information was furnished to them by LexisNexis, which is a third party vendor. I advised XXXX and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to LexisNexis on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from LexisNexis and it has been more than 30 days. The Tax Liens are XXXX and XXXX. I also made contact with Oklahoma XXXX XXXX and they verified that LexisNexis was never given this information by them. As a result of this, LexisNexis reported this information to XXXX and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX.
Product: Debt collection

According to the Fair Debt Collections Practices Act a third party collection agency must be bonded in the state where they are attempting to collect a debt. ARS ( Account Resolution Services ) located at XXXX XXXX XXXX in XXXX, Florida XXXX is reporting a medical collection in the amount of {$530.00} on my credit report, but they are not bonded in my state of residence ( Texas ) to collect debts, therefore, this should be removed immediately from my credit report and they should stop any collection attempts immediately. I have contacted them at least three times and each time I tell them that I have checked with the Secretary of State in Texas and confirmed that they are not bonded they simply transfer me to a voicemail, yet this collection remains on all three credit reports.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

Fist thing I am on fixed income my payment is late every month I have tried to get them to change my payment date they will not they said they change it once but it was a bother company and they change it years ago when I got hurt on job. Now they are always saying I missed a payment when in fact I did not I call in it is always I different date. And then I needed help with my taxes so I got escrow that and hazarded ins that cost XXXX I made a deal with them I would pay XXXX more a month and I have been doing this for two half years and now they are telling me I owe them XXXX and I have to start paying more XXXX and I have been paying XXXX all that money has disappeared they will not help you get different woman every time that looks at my loan and they can not figure it out I messed one pay and I called them next three payment I pay XXXX three times to catch up and I did now I am getting letter they are going to for close on me and I am not missed a payment they bought my note and my life has been living XXXX call none stop home phone and my cell phone Bayview loan servicing XXXX. XXXX XXXX XXXX Florida escrow Department. Bayview servicing XXXX. XXXX XXXX XXXX tx XXXX phone XXXX XXXX XXXX they will not help they say they will and then I always get litter forclose on me I have tried everything XXXX XXXX
Product: Vehicle loan or lease

The vehicle was under my name for a lease. My XXXX is purchasing it. She went through her credit union for a loan. They filed the paperwork wrong and have been telling me they would send the correct information so we can go change the title. They have already received the payment from credit union the end of XXXX. We have been in contact with them and each time they have told us they will send it out over night. Its been over XXXX days and multiple calls. Today I get a call from collections. Ive called in XXXX today and there is no notes on my file. Ive been transfered around asking to speak to managers and the customer service reps say they decline to speak to me. They said a manager would call me back and no one has called. Ive spent hours on hold and been transferred to incorrect departments multiple times. It has got to the point its effecting my XXXX XXXX and my job.i have no idea how they could be so disconnected within a company this is fraud at this point.
Product: Credit card

Synchrony Bank allowed XXXX to charge {$7600.00} from my credit card closed account without my authorization, for furniture that I rejected because was broken and with assembly defects. 
I did not provide my signature on the delivery paperwork. 
I explicitly rejected the delivery and asked the delivery personnel to remove it from my house. I want to emphasize that the delivery was made in the middle of the night wich is unacceptable. 
I contacted the store to solve the problem and they didn't contact me on time. 
I contacted the bank and a customer service agent advised me to remove the furniture from my house. 
I did not accept the delivery, the delivery company left the furniture without my consent. 

I called many times to the bank and they confirmed me that I wouldn't be charged.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. My previous complaint and most recent # is ( XXXX ). Now I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, Nor have i gave my written consent for any transaction regarding the acquiring of goods, services, or money. I kindly request the Equifax, Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft : Inquries From Equifax as a Result of Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus Such a XXXX, raising concerns about their reported history in accordance with FCRA Section 605B. I Appreciate You CFPB for stepping in and making sure my rights are not violated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX I XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LAXXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} ; DEPT OF ED 7XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Mortgage

This involves 2 companies & has been ongoing & I have made EVERY Human effort to resolve & neither one completed what I sent in & now i am faced with losing my home of over 24 yrs. as a senior & XXXX person. 
In the hospital in XXXX XXXX I notified all creditors- I was very ill - yet only 1 month behind with XXXX XXXX XXXX They lost part of my money order payment & totally messed up this account- by de-escrowing -which took me forever to correct.- among other situations. I qualified for this loan & it was with XXXX & then transferred to XXXX. I applied for a loan modification as I wanted to shorten the time frame. i sent everything in & they dropped the ball & in approx. 
mid XXXX transferred this loan to Nationstar Mortgage. The nightmare began. 
They stated that XXXX said to foreclose-IN THE MIDDLE OF A LOAN MOD?? 
I never got proof of that & was told that I had to apply with Nationstar- I had continued making my payments from the very beginning of this loan.Only when Nationstar got this loan were my payments NEVER posted & then returned. 
Every month I sent in my payments - they put in a suspense file & this has continued for quite awhile. I put in a loan modification with Naitonstar & they sent me information needed AFTER THE DEADLINE to get to them.They then filed to foreclose on me in approx. XXXX. XXXX..I have had to fight with them for for over 3.5 yrs.to get a loan modification. I have sent ALL info. in over & over again & yet they still have not granted me this loan mod. of which I am QUALIFIED to pay.They state : update needed ; incomplete ; expired form ; etc. I have repeatedly sent in the same info in again & again. They sent me back some checks & I returned to them - I have had to be at several hearings.They then transferred or changed their name to Mr. Cooper & nothing has changed. I have continued to request this modification & the last time in approx.late XXXX  or early XXXX with only supposenly one item they wanted- I sent it in again & have been in constant contact & they stated they did not receive it. That is false & I appealed their denial for being in- complete. They were to let me know something & have not & had a summary judgement hearing & set a foreclosure sale for XXXX XXXX, XXXX.I was told not to send in anymore payments in XXXX XXXX by them- thinking that the loan mod. was forthcoming & it was not. I updated all info. for them so many times- no one else would ever have fought like I have.They have added in so many fees from day one & rejected my payments to cause the current situation. If I just did not pay that is one thing but that has NEVER been the case.I have never cheated anyone & just want to keep my home & get this loan modification.I had 3 loan modifications with another company & it was quick & I am current & have been> I qualified with XXXX XXXX on this house & on this loan as well- Why would I even need to qualified again????? Never I have done everything needed & desperately need your help. Thank you. 

XXXX XXXX XXXX XXXX # XXXX & prev. with XXXX.
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 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # 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: Checking or savings account

I attempted to use the link to pay anyone from the chime card at the time I did not know that the person you are sending the money to also has to be a Chime member on XX/XX/year>. I sent my brother-in-law {XXXX} from my account not knowing he is not a chime member, and now the money is gone and he never received it and it was taking out of my account now Chaim is refusing to return that money as they said he got it and he said he did not but the money is missing.
Product: Mortgage

home was purchased in XX/XX/XXXXwith a loan ( {$220000.00} ) amount of 95 % ( {$230000.00} ) of what the home was worth. In XX/XX/XXXX the home was assessed by the city to be worth {$320000.00} ; I called the bank to ask for the removal of the private mortgage insurance and was told that it was not possible. They stated that I could not have an independent appraisal and that I needed to pay them to have the home appraised and even if the appraisal came back to be the {$300000.00} that would not guarantee the removal of the PMI. When I asked what was the automated assigned valve that they assessed to my property ; the bank refused to give me a value. Though in XX/XX/XXXX the property was assessed at {$330000.00} and XX/XX/XXXX {$340000.00} ; the bank has consistently maintained over the past 3 years that regardless of what the assessed value of the property is, that will not determine the elimination of PMI. I have been asking for the past 3 years to have the PMI removed based on the value of the home and the bank has refused to give me a definitive answer as to when this will happen though my loan is currently less than 70 % of the home value. <P/>In XX/XX/XXXX my monthly payment was {$1700.00}. As of XX/XX/XXXX my payment was increased to {$2000.00} without any explanation though my insurance was only increased by only {$65.00} annually and taxes between XX/XX/XXXX and XX/XX/XXXXwas only increased {$90.00} annually. My monthly payment on a 30 year fixed rate mortgage has increased {$250.00} per month without any justification or explanation. <P/>In XX/XX/XXXX I was told by the bank that my escrow account was short {$1000.00} and I needed to pay that amount to avoid an increase in my monthly payment.This amount was paid in XX/XX/XXXX to Severus but my payment was still increased. I have not received any explanation of where the money went and was not issued a credit towards the following month or a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX and Trans Union and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to XXXX and Trans Union on four different occasions requesting an investigation for state public record listed to my report. I requested XXXX and Trans Union Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. XXXX  and Trans Union   is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Equifax, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX XXXX account XXXX with opened date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXX XXXX XXXX is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

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

Equifax and XXXX are reporting collections on the XXXX and XXXX  XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a convicted felon. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX : XX/XX/2023