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

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, XXXX, and Equifax ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, XXXX, and Equifax ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Product: Mortgage

I am XXXX XXXX XXXX veteran and I am exempt from paying property taxes. My issue is with Lakeview loan mortgage company. I went through all the right channels, paperwork, and my town meeting for the approval for my tax exemption. I submitted my resolution letter and other documents from my town that was required by Lakeview loan mortgage company. They received all of it and for about 6 months everything was good. Then Lakeview billed my sent a check to the town as if I was still paying taxes. The town sent it back to Lakeview stating I am tax exempt which Lakeview already knew. I call Lakeview and no one can give me an answer as why they keep sending the town a payment which is making me have escrow shortages and the escrow advances. Im stuck and dont know what to do. Please help me.
Product: Debt collection

I FOUND OUT THAT SOMEONE HAD BEEN USING MY NAME TO OPEN UP CREDIT CARD ACCOUNT WITHOUT MY KNOWLEDGE MIDLAND FUNDING LLC # XXXX, MIDLAND FUNDING LLC XXXX XXXX, MIDLAND FUNDING LLC XXXX XXXX i HAVE FILED A FTC AND XXXX POLICE REPORT OF ID THEFT.
Product: Debt collection

I recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!
Product: Checking or savings account

I deposited {$2000.00} into my Robinhood account on XX/XX/XXXX. On XX/XX/XXXX Robinhood restricted my account due to unusual activity. They have no number to call that takes you to a representative. I got an email with a link saying to verify my information but when I click it just opens up the Robinhood app. There is no Dropbox to send the files it asks for to unrestrict my account. They have a button to request a call but its only a bot. There is no way of contacting Robinhood to resolve this issue so filing this complaint is my only way of regaining access to my money.
Product: Credit card or prepaid card

Comenity Bank has failed to allow access to customer accounts and is charging interest and fees. Comenity bank has locked me out of my account for months and has not had any customer service to access the account. Comenity has not been drafting my payments from my account for months now, which I initiated through " Easy Pay '' that allows to you pay your bill without Sign-on. Again, they are charging fees and interest during this time, this seems very criminal and similar to extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer to TRANSUNION I am requesting your agency do an independent investigation for ALL accounts listed above with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX PLEASE DO NOT PARROT BACK USELESS UNVERIFIABLE, INCOMPLETE, INACCURATE INFORMATION. I have disputed this item several times and your company has not done an investigation as required and you have refused to send me all of the requested documentation. TRANSUNION, XXXX, AND XXXX ARE EACH REPORTING COMPLETELY DIFFERENT INFORMATION THROUGHOUT THIS ENTIRE ACCOUNT. OBVIOUSLY WE HAVE A HUGE PROBLEM HERE. 

I never had an account with this company. I have no knowledge of this company. I have no knowledge of owing this company at all. I never gave this company my written consent or permission to obtain any information about me nor did I give this company permission to publish any information about me. I never signed anything making NONE OF THE BOVE COMPANIES the ASSIGNEE. 

I AM REQUESTING YOUR AGENCY CEASE OF ALL REPORTING WHILE INVESTIGATION IS IN PROCESS. IF YOUR AGENCY CAN NOT PROVIDE EACH AND EVERY DOCUMENT, I REQUESTED IN THE TIME ALLOWED PERMANETLY DELETE THIS ACCOUNT FROM ALL CONSUMER REPORTS IMMEDIATELY. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY ACDV- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE CONSUMER FILE, CONSUMER REPORT, FILE DISCLOSURE-PLEASE SEND I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE/VERIFY THIS INFORMATION PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

15 U.S. Code 1681n 15 U.S. Code 1681i CEASE ALL CONSUMER REPORTING WHILE INVESTIGATION IS IN PROCESS PERMANENTLY DELETE IF UNVERIFIABLE, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Good Evening Manager/Executive office ; I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I ask that you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX 2018 ; XXXX 2018 ; and XXXX 2018, 30/60-days late? - how? ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). First Progress is also in violation of the Gramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} XXXX XXXXXXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I hope you are doing fine when you are reading this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Creditor : XXXX XXXX XXXX XXXX Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information , and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX XXXXc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to closed complaint XXXX I wrote the three credit bureaus the same date and only one has remedied the error on my credit report - XXXX  - likely because I filed a cfpb complaint against them. I expected the other two to follow suit but they have not. The other two are taking too long and this is adversely affecting my credit/score and ability to obtain credit. I am told by my local bank, with whom I am attempting a mortgage refi, that the scores with XXXX  and Equifax are good, but both still have a delinquency flag notation. I want that fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accourding to the XXXX credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

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

I identified a fraudulent credit inquiry on my XXXX  report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as ACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 CUSTOMER XXXX via XXXXACE  CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. XXXX  will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX is an authorized user account that needs to be removed from my credit report.
Product: Mortgage

I,  XXXX   XXXX  believes that a major national bank has colluded several federal guidelines and consumer laws that were initiated to protect my rights as a consumer in the American economy. I attach items showing my fight against  XXXX   XXXX  and  XXXX   XXXX   XXXX  as Trustee. My argument has always been that  XXXX   XXXX   XXXX  had no financial right to foreclose, that my rights to an initial modification was voided by a trick imposed by a former loan servicer to obtain a default judgment of foreclosure. Now, after tens of thousands of dollars spent to avoid a foreclosure, I have a new law firm representing my interest called the  XXXX   XXXX   XXXX . Previously, I submitted a complete outline to the  Federal Housing Finance Agency,  Inspector Generals Office ( FHFA-OIG ). That federal agency is in position to give relief on my house indebtedness by legal precedent. The office simply shelved by request to intercede on the foreclosure/principal reduction matter. Now, as I have submitted multiple financial items for a modification that should have been granted years ago, my foreclosure is re-scheduled again. The foreclosure can not be scheduled while the mortgage is being transferred to a new servicer. My new servicer is known as Fay Servicing , LLC,   XXXX   XXXX    XXXX   XXXX ,  XXXX , IL  XXXX . This agency must cease and desist all further foreclosure processes immediately as such a servicing agency has not had the file in hand long enough to fulfill my protected rights under the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,  XXXX . Under federal guidelines, all foreclosure procedures must stop, and I request a full investigation into  why the Federal Housing Finance Agency, Insp ectors Generals Office ( FHFA-OIG ) never took my original request of  XXXX . This inconsistent way a massive federal bank such as  XXXX   XXXX   XXXX  can hire the finest of law firms, paying tens of thousands of dollars that will be covered b y the Federal Deposit Insurance Corporation,  all due to the  XXXX  national real estate meltdown, is a sham. Fay Servicing , LLC must contact the  ( FHFA-OIG   ) to reopen my case for initiation of a principal buy-down. My home is worth {$120000.00} by appraisal , and   XXXX    XXXX   XXXX  desires to foreclose on a {$220000.00} debt that shows a 90 % debt over value. I must be given proof that the  XXXX   XXXX ,  XXXX  foreclosure has been cancelled, and that a serious consideration is given on principal reduction to restructure the debt in question.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding inaccurate information present on my credit reports from all three major credit bureaus : XXXX, XXXX, and Experian. After reviewing my credit reports, I have identified discrepancies in account status, dates of activity, and payment history, which violate the requirements set forth in 15 USC 1681e ( b ) mandating 100 % accuracy in credit reporting. 
Specifically, the following accounts on my credit reports are reporting inaccurate information : * XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The inaccuracies include discrepancies in the following fields : * Account status : The reported account statuses do not accurately reflect the current status of the accounts. 
* Date opened : The dates of when the accounts were opened are incorrect. 
* Date last reported : The dates of when the accounts were last reported are inaccurate. 
* Date last active : The dates of when the accounts were last active are misrepresented. 
* Dates of late payments : The reported dates of late payments do not align correctly with the actual payment history.

These inaccuracies are not only misleading but also violate the provisions outlined in 15 USC 1681e ( b ), which mandates that all information reported by credit bureaus must be accurate.

Therefore, I am formally requesting the immediate deletion of the aforementioned accounts from my credit reports due to the violations of consumer protection laws. It is imperative that the credit bureaus rectify these inaccuracies promptly to ensure the integrity and fairness of my credit reports.

I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to compel the credit bureaus to correct the inaccuracies and remove the disputed accounts from my credit reports. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX bank is refusing to update my Equifax report after paying their requested amount to close the account. 

Theyre still reporting this as a derogatory account which is a direct violation of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to get inaccurate personal information off of my Experian, XXXX and XXXX credit reports. I have sent out many dispute letters and the information is still on my report. According to my fair credit rights I am requesting that the information is deleted off of my report. I also am aware of Experian facing a lawsuit because they are not actively and efficiently looking into consumer disputes.
Product: Credit reporting or other personal consumer reports

They reported the same account # twice on my report with two different amounts the same date. Account # XXXX. Please remove in correct information according to the FCRA 15 U.S.C 1681i on the Federal Reporting Act.
Product: Debt collection

I disputed the 2 collections with XXXX  and the Collection Agency I.C. Systems by  certified mail, with a return receipt, requesting that they validate the 2 accounts that they are negatively reporting. XXXX  stated that the debt was validated, however when I followed up requesting that they explain how the debt was validated, they never did. I sent a certified letter giving them 30 days to provide that information. I gave I.C. 15 days to provide proof that the accounts they are reporting are indeed mine. When the time passed, I spoke to an agent at I.C. Systems who advised me that I was the one who had to prove that the debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.