23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has reported to many potential employers that I have a restriction on my Drivers License of no passengers. This is incorrect and I have provided them numorous time of the motor vehicle report from The State of North Carolina. My current license has only a restriction of Corrective lenses. I know where they are getting the No passengers and that is from a Motorcycle PERMIT that expired XXXX. I have attached the MVR.
Product: Debt collection

I owe just a little over 2000 to capital one. I was making payments and the amount just kept going up drastically. I had to let it go default and charge off because I could n't pay thousands for only spending around 1500. I then made a agreement for around 1300 with capital one and they never withdrew my money even after attempting to make payments. They are now sueing me in XXXX county georgia where I live. I only found out of this by letters from lots of differant lawyers trying to get me to file bankruptcy. I spoke with capital one hired lawyers it 's called winters and something. I made a arrangement to pay with them. I told them I would pay XXXX right now and that was last week. They were very nice to me on the phone and said they would have a letters at my house this past Monday for me to sign showing the judge I did have intent to care for this matter. I have yet to receive any letter or have any funds taken from my account. I did give them my account and routing number to make the payment. I have tried everything I possibly could have to care for this situation and I feel like I am being taken advantage of. I did tell them I was a veteran and right away everything changed with the lawyers same with capital one. I just want to be able to pay what I owe and not end up in jail over a debt. Please contact me at XXXX my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX ga XXXX
Product: Mortgage

XXXX - Closing on my mortgage with Arvest Bank account XXXX XXXX - Monthly mortgage payment came out of my checking account via the automatic withdraw that had been set up XXXX - called Arvest bank and agent advised i will be reimbursed via my checking account the monthly mortgage payment that came out by mistake. Provided my checking account and routing number for reimbursement Week of XXXX called 2x and told i will be getting reimbursement soon XXXX - called again as no reimbursement received. I was told a different story that my reimbursement for my mortgage payment will be with my escrow reimbursement and check will be mailed next day. I was told a total of {$3500.00} will be reimbursed for escrow and payment that came out incorrectly. I provided my new address as the company was planning on sending the reimbursement to the address of the home i sold. 
XXXX - No reimbursement received. On hold with the bank again for 1 hr and told my issue has been escalated. Asked to speak to a manager and told that i could not be transferred to a manager and that a manager will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification Equifax, Inc was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue. 

XX/XX/XXXX/XX/XX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. Equifax does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XX/XX/XXXX/XX/XX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XX/XX/XXXX/XX/XX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
Product: Debt collection

LVNV Funding LLC keeps reporting invalid amounts owed to the original creditor. This company bought the debt from XXXX XXXX Bank and every week or two weeks it increases its amounts. This account is closed and therefore shouldn't be accruing any interest rate fees. 

I've sent letters to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) and ask for them to investigate and neither one has corrected this problem. I paid {$450.00} in hopes of getting this resolved and yet it's still being reported on my credit report after they agreed to the amount paid. This collection company uses tactics that aim at hurting the consumer instead of actually resolving a matter. 

I would like this derogatory account removed from my account as it has been detrimental to the advancement of my credit building efforts. This company uses practices that should be illegal and I will be seeking legal actions against all parties involved if this matter is not resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Attn : Experian, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA XXXX. 

Accounts : 1. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report.

The details of the disputed debts are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX  Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Card Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( Equifax, XXXX, and XXXX ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them. 
These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern. I have been reported by a commercial credit card company as no payment charged off. Commercial card # XXXX XXXX XXXX XXXX I have attached in fact that the debt was paid. Despite my efforts to reach out to Equifax they have refused to update my credit profile. I have formally sent them a letter via usps and they have ignored my request. I would like for this to be published. 

In addition I have sent Equifax a 609 letter to dispute requesting information that is reported on my XXXX  XXXX XXXX  XXXX XXXX XXXX They have again, denied verifying the accuracy of the information. They haven't provided bank information, accurate contact details like phone number or account,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, XXXX, and Transunion to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX Balance : {$1900.00}
Product: Debt collection

I have been contacted by many debt collectors about this same loan from XXXX. I know XXXX people cant possess the same loan and ask for payment. I believe I am a victim of mortgage fraud or extortion. XXXX XXXX is representative for XXXX XXXX XXXX XXXX XXXX XXXX. He is also representative of XXXX a company that has been claiming to have acquired the loan prior to XXXX XXXX. He has reinvented himself with XXXX XXXX and is now foreclosing on me for a debt he says is expired and does not own. He claims I defaulted on this loan in XXXX. I never had a loan with this company. He even has a servicer with a bogus loan account. He has not substantiated his claim by producing any bank statements or ledgers. He has not verified or validated the debt which he says is expired. He is attempting to extort me for {$250000.00}. He has me in court attempting to force a modification. I believe XXXX XXXX is the sole person attempting this fraud. I have filed a claim before but no resolution was given by him so the claim was closed but now he has found another mask to hide behind. He has also admitted that statute of limitations has expired on this loan in previous letter.
Product: Debt collection

On XX/XX/2023 I received an email notification regarding a negative account being reported on my credit reports ( XXXX & XXXX ). I have been monitoring my reports closely due to preparing to build a home. Vance & Huffman has reported an account to the credit bureaus without properly notifying me with a validation information notice required under 12 CFR 1006.34. I have not received ANY communication regarding this debt prior to it being reported to my credit reports, as the only information I have is what is being reported to the credit bureaus.
Product: Debt collection

To be clear, CACI did not reveal what the matter involved. However, they did choose to contact my XXXX old father to determine my location. 

I already told them specifically that I did not owe the debt and not to call. Additionally, I should note that I did request a change of address form from the post office. As such, any and all mail I received would have been forwarded. 

On top of that, they have my phone number and they've spoken to me and I clearly told them I do not owe the debt. 

My complaint centers around contacting an elder relative to obtain information. Regardless as to whether they share information or not, it is inappropriate to contact associated persons fishing for information.
Product: Student loan

I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, i owe no debt. Transunion violated my consumer rights to privacy pursuant to 15 usc 1681b 2, Transunion also has no permission to report ANYTHING using my info pursuant to 15 usc 1681A. The accounts in question are XXXX XXXX XXXX XXXX ( LATE PAYMENT ). Me begin the consumer my rights have been violated and I want that late payment to be removed immediately.
Product: Mortgage

I filed a complaint with Nationstar Mortgage Services back in XXXX/XXXX/2015 - case # XXXX. Nationstar sent a resolution letter saying they everything was up to date. However, they started sending demand letters again in XXXX 2015. I have sent in supporting documents & canceled checks to confirm all payments have been made up to date. We have been sending in our monthly payments on time every month. We also asked why there were XXXX late charges in XXXX month - no one at Nationstar can give us an explanation. We have called numerous times and they say - '' will research '' and get back to us. No one has called as of today. We received another demand letter today via certified mail. We are under so much stress from Nationstar & their demand letters. They seem to send these letters out every month after they receive our payment. Please Help!! Thank you so much for your time.
Product: Debt collection

A collection company XXXX Harris & Harris XXXX put a garnishment on my salary for a {$90.00} account that was already paid, But the collection company got a garnishment for {$1700.00} and does not want to give back the money they took over.
Product: Money transfer, virtual currency, or money service

My boyfriend sent me money last week. At first, he sent XXXX XXXX but I asked him to cancel it, so he requested a refund. The customer service ( remitly ) said to wait for 15 days before the money is returned to his account. Then 3 days ago, he sent another XXXX XXXX for cash pickup and sent a receipt stating that I will receive the money by XX/XX/year>, which is today. I told him to check the transaction today, but he couldn't log in anymore. They suspended his account for no reason, and {$1000.00} plus was also missing from his account. He was scammed by remitly!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX CT XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently on XX/XX/2018, " SYNCB/WALMRT '' made an inquiry on my credit history. I did not authorize this inquiry and I am not certain why they would even do such a thing. Would appreciate an explaination of why this was done?
Product: Checking or savings account

I had funds stolen by a company called XXXX. I have proof that Navy Federal ignored, and they closed my claim and refuse to help me. Despite XXXX saying they are to help me recover stolen funds. 

Navy Federal has been ignored me and refuses to help.
Product: Credit reporting or other personal consumer reports

HI CFPB, please help me with this complaints : Im writing because yall have been violating United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Youve been furnishing reports for credit or insurance transactions that I didnt initiate. When I pulled my credit report, I saw multiple violations. Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

According to the law, a consumer reporting agency can only furnish a consumer report for credit or insurance transactions that I didnt start if : ( A ) I authorize the agency to provide such a report. ( B ) ( i ) The transaction is a firm offer of credit or insurance. 
And you can't furnish a record of inquiries for credit or insurance transactions that I didnt initiate unless it's provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if someone obtains a consumer report under false pretenses or without a permissible purpose, they owe actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. 

I didnt initiate these inquiries. If you think I did, send me copies of my written signature giving consent. The items below need to be removed from my report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Where did you get this misleading information? This is unfair! DELETE! 
Under 15 U.S. Code 1681n ( b ), youre civilly liable. Ive already reported this to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

My rights under Section 611 of the Fair Credit Reporting Act are clear. I demand these accounts be deleted from all current and future credit reports. Send me the full credit report along with the investigation results to XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

Thank you for your help with these inaccuracies. 

Sincerely, XXXX XXXX
Product: Debt collection

I reached out to the company to see what was my payout. Company provided my payout. Sent out the money and company supplied me with the paid in full letter. A month later they are trying to collect {$930.00} more dollars which is impossible when I reached out for the pay off amount. I called and spoke with a manager who was supposed to send me everything in my file. He only sent me my payments which did not even include the pay off check that was sent and never replied back.
Product: Mortgage

On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. 
I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, EXPERIAN, I RECEIVED A LETTER STATING THAT I WAS A VICTIM OF YOUR CREDIT BREECH. ( XXXX, XXXX ) I HAVE BEEN DISPUTING ACCOUNTS OPENED IN MY NAME THAT IS FRAUDULENT AS WELL AS FRAUDULENT INQURIES. AS OF THIS DAY NONE OF THE ACCOUNTS HAVE BEEN REMOVED NOR THE INQUIRIES. ACCORDING TO THE FCRA ACT, 15 U.S.C.1681 SECTION 609A1 A YOU ARE REQURED BY LAW TO VERIFY - THROUGH THE PHYSICAL VERIFICTION OF THE ORIGINALSIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS YOU POST TO A CREDIT REPORT. I SENT A SIGNED AFFIDAVIT IN XX/XX/2019. INDICATING THAT THE FOLLOWING ACCOUNTS ARE NOT MINE. I HAVE SINCE WAITED ON THE SUPPORTING DOCUMENTS ( SIGNED CONTRACT ) BY ME. I AM ASKING AGAIN BEFORE I CONTACT THE FCRA TO PLEASE REMOVE ALL UNVERIFIED ACCOUNTS FROM ALL 3 CREDIT BUREAUS .IF NOT YOU ARE IN VIOLATION OF 15U.S.C.1681YOU ARE REQUIRED UNDER FEDERAL LAW TO HAVE A COPY OF THE ORIGINAL CREDITORSDOCUMENTATION ON FILE. THIS IS MY SECOND REQUEST TO REMOVE THESE UNVERFIED ACCOUNTS BEFORE I FILE A COMPLAINT WITH THE FCRA. OR PROVIDE ME PROOF WITH MY SIGNATURE AUTHORIZING THESE ACCOUTS ALL OF THESE ACCOUNTS WERE OPENED FRAUDULENT AND ONLINE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX