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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from CBNA/citi bank XXXX and I have never applied for anything at Citi Bank XXXX The inquiry happened on XX/XX/2021. Already contacted bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, its been Two weeks since Ive been able to access my account, they said in the beginning it will take a week to withhold my funds because they wanted me to send my ID in. So I did, at that time, they told me to call back on a Monday ( it was Friday ), so I did. They said call back next week. So then I asked about the funds in my account, they couldnt tell me. I hope this gets resolved quickly. USAA is a bad company. They told me to keep calling everyday and nobody is helpful.
Product: Debt collection

They sent out a pre-legal notice as a scare tactic for a Debt. I do not owe or have a contract with them to pay them for services or Money they gave me. 

I just received a letter in the mail that looked like it was posted on their end on XX/XX/23 at the top. But is just now receiving it. 

But never received anything beforehand. They said they made several attempts to contact me. But sent nothing or I would have disputed it. 

I have not signed for anything, I do not have a contract or anything else with this company. 

I do not have that name or address as written in their letter as well.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. 


I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 
The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

I applied in XXXX 2015 for a home loan modification with Nationstar Mortgage. After submitting approximately XXXX applications that were all denied, Nationstar foreclosed on my property XXXX XXXX, 2015. Each time I applied, Nationstar claimed that I did not meet the debt to income ratio. Throughout the process, I never spoke with a representative that understood the underwriting process nor did I have an opportunity to speak with the person assigned to my case. My case manager was changed several times throughout the process. There was no continuity in the process. The calls I placed to Nationstar were repeatedly answered by a different mortgage processor. Therefore, the process kept repeating itself as each processor who reviewed my case reached a different a conclusion about the documents required. There were also instances where processors were unable to locate documents I faxed or scanned to Nationstar. The entire process was horrific.
Product: Student loan

I am unable to pay for my loan because I had to file a Bankruptcy and take an early Social Security of only a little bit over {$700.00} a month. When I do find a job The I.R.S. taxes me and I have to pay instead of getting a refund. Navient told me I could get a Repayment plan according my income. They told me its approved and the the next month send me a bill for {$700.00}. This goes on and on month after month and my loan went from {$36000.00} to {$42000.00}. When I try to get my I.R.S. Tax return information online I can not retrieve it .I am XXXX years old and am living on Social Security and a part time job of 15 hrs. a week .Every time you try to contact Navient you get a different individual and nothing gets accomplished. I am not trying to get out of paying my loan, but I do not understand why I can not pay a small amount and keep the intrest down. Illinois Attorney General XXXX XXXX has filed a Lawsuit against Navient and when ii ask them about it they will not respond. 

What kind of Options do I have? 

Respectfully XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XX/XX/XXXX Had to close a checking acct at Citi Bank due to losing checkbook. No longer had access to account online, message was " account closed no access '' Went to a local branch in XXXX, CA on 2 occasions. Requested copies of statements & canceled checks for calendar year XXXX. 
Told could give me copies of statements but not of cancelled checks being a closed account. Emphasized account used for payroll & needed cancelled checks for XXXX income taxes. 
XX/XX/XXXX Decided to call their XXXX service # to request and was given the same answer given at the XXXX, CA branch. 
Kept my appointment for filing of taxes on XX/XX/XXXX. Told by CPA the urgency of getting cancelled payroll checks. 
I file as self-employed. 
Please help me obtain a copy of cancelled payroll checks.
Product: Credit card

I have asked Chase bank to remove me from their mailing list 3x over the past 2 years ; yet they continue to send me promotional letters to open up new cards, checking and saving accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report noticed I had fraudulent activities
Product: Debt collection

XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit. I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data You are reporting account # XXXX this account due to inaccurate reporting. 

After completing my request, send me a copy of my updated credit file reflecting this update.
Product: Student loan

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Product: Debt collection

This is not my medical bill, this is my ex wife and which she is not even on my insurance. This needs to be removed off of my credit credit file and collections need to stop. How can I be responsible for someone else debt. Please help I have disputed this also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America ran a credit report without my authorization. 

I applied for a credit card on XX/XX/XXXX reference number XXXX and the bank sent me a letter saying they denied my request because they could not verify my identity. I have a hard inquiry with no reasonable reason for this to be rejected. I have been a customer since XXXX, with an excellent credit score. Later the same week they sent me an SSN form verification and asked for a tax return to be mailed to their address in Texas to verify my identity. 

On XX/XX/XXXX I submitted the docs back to the bank. On XX/XX/XXXX they got a copy of my credit report without my authorization and do another hard inquiry on my credit. TWO hard inquiries without my authorization. 

I have contacted the bank several times and is impossible to have an answer from them, they opened a case, and every time I have called someone says something different or they disconnect the call. 

This is Fraud, I did not authorize to run my credit report twice and is fraud they do not have my information when I have already a credit card with them for 7 years. They are affecting now my credit score which was XXXX
Product: Mortgage

I saw a property inspection fee of {$30.00} imposed to me on or before XX/XX/year>. After several attempts to resolve this matter or receive the pertinent info of who entered my property, Penny Mac failed miserably at disclosing the info.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/2019 XXXX XXXX took {$2200.00} and {$580.00} from my account. I did not authorize this transaction nor did I give them my account information because I have no knowledge of who this company is or what it offers. I put in a dispute on the same day XX/XX/XXXX when my banking app alerted me. I have not been refunded my money. I also put in a complaint to the XXXX  on the same day and got a response from the company saying that I sign a document that I didn't. They also said that they have been emailing me and have been in contact with me which is not true at all. They have provided an email that has never been my email and an IP address which is also not my IP address. I turned in the information to the bank with all the proof that nothing this company has is from me. When looking up this company on XXXX  they have hundreds of complaints. I also looked them up on XXXX and they do not even exist. The internet clearly states that this company is a scam and has been scamming people. All I want is my money back. I believe that if I put my money into an account that it should be protected and it wasn't because the bank hasn't given me my hard-earned money back. I don't make that much and have been saving this money for 3 years and is unfair because the bank should have given me my money back when I called into dispute it and went after this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for XXXX. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any XXXX loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts U S DEPT OF EDXXXX : Account number : XXXX, XXXX XXXX DEPT OF EDXXXX : Account number : XXXX, and XXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via XXXX XXXX XXXX  and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( This is a continuation of a previous complaint ) XXXX XXXX XXXX from Freedom repeatedly justified the credit inquiry on XX/XX/XXXX by providing a letter via Freedom 's records signed by the loan officer,  XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second credit inquiry. 
That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. My records show ( and I have repeatedly provided ) email transcripts between myself and XXXX, where I specifically told him a month prior I did not want my credit pulled a second time. After it was pulled on XX/XX/XXXX, XXXX stated in another email that he would have the second inquiry removed off my credit report within 10 business days. My records also display the text conversations with XXXX on XX/XX/XXXX, immediately inquiring why my credit was pulled after I was alerted to it, and XXXX stating he would look into why it was pulled without my consent. Obviously I did not give him consent on XX/XX/XXXX, and XXXX was aware of this, as seen in the text conversation that day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX on Experian credit report says the account was charged off {$450.00} written off, but says as of XX/XX/2025 {$450.00} still past due. That information in incorrect due to charge off I need the information to report correctly per my rights. The reported information needs to be changed to account closed, charged off off of {$450.00} and for them to no longer report monthly late payments per my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting in XXXX and XXXX, this account status should not have been updated. Causing derogatory marks on account, also, multiple months with XX/XX/XXXX and 90 days inconsistent, would like this removed, as it is in direct violation of the Fair Credit and reporting act. 
Thank you
Product: Debt collection

On XX/XX/XXXX this company called from XXXX, the lady left the name of XXXX she advised me to contact a number XXXX with a case file of CD XXXX. When I called the XXXX number the phone was picked up by a XXXX. This company has been repeatedly calling my phone number XXXX, and my parents phone number XXXX. I had previously spoken with a Mr. XXXX at this same number. They advised that I owed a balance from Citi Financial on a car note from well over 10 years ago. They advised the last payment was made some time in XXXX for XXXX, and that the balance was over XXXX owed and now with interest is over XXXX. This car was re-possesed over 10 years ago, and to my knowledge no payment was made in XXXX. This debt is not owed, they refused to remove any phone numbers whatsoever and told me they were XXXX not going to remove any numbers and to pay my XXXX bills. When they answer the phone, they just state legal department. They advised someone was coming to serve me at my home, and threatened to take me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I attempted to use the Equifax Website to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as SSN, address, DOB, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for Equifax, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the XXXX Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the Equifax security breach, ( I confirmed by going to the Equifax breach Website and entering my SSN ), how am I to protect my private consumer information?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while serving XXXX. During this time a fraudulent account was opened in my name by XXXX XXXX XXXX. I demand that this item be removed immediately from my credit report.
Product: Mortgage

Another issue with ServicemMac. 
On XX/XX/2022 I sent a request to ServiveMac to remove part my escrow account ( property tax and hazard insurance ) as I was advised that escrow for flood insurance can't be removed since this loan servicer is quite messy and I don't trust them. 
On XX/XX/2022 received a denial from ServiceMac stating that they can't remove the flood insurance, but I only asked for Property tax and hazard insurance ( copy of the request attached ), this makes me wonder if ServiceMac actually read my request form. 
So this denial has no ground.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"