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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00} These items are reporting on my personal credit file with ( Equifax/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Product: Debt collection

XXXX XXXX called about " a '' XXXX XXXX, about a Capital One account with the last XXXX digits of the social of XXXX. Never had an account w/o a middle initial, never had a Capital One account, incorrect last XXXX digits of the social
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now imXX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

all three credit bureaus ( XXXX, equifax, and XXXX ) are reporting accounts that i never gave written permission to furnish any accounts on my credit report the following accounts are ones i did not give permission to : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was divorced XX/XX/XXXX and per that divorce agreement I was to give up the house and the anything associated with the house, which I did. There was a line of credit that was taking out XXXX. My ex-wife gave SunTrust the divorce papers stating such ( so she says ). She can't or won't refinance because the of her debt to income ratio, as she puts it. She is using my credit score and how much I make in order to keep my name on this. What can I do, since it is in the divorce decree? I don't why my name can't be removed, she has been paying on this since XXXX. It is obvious that she has the money to pay it. If she defaults on this loan then I am liable and per the divorce decree I will not be liable since the house is solely under her name.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect late payment entries that dont match my typical payment history. I kindly request that these errors be corrected and my account updated.
Product: Debt collection

I keep receiving letters from Jefferson Capital in regarding alleged debts from more that a decade ago. The last letter was received almost two months after the date on the letter.
Product: Debt collection

CBE Group XXXX XXXX XXXX XXXX, IA XXXX I had no knowledge of this debt. I have not, ever received notice or been contacted to pay this debt. 
I found it on my credit report ( XXXX ). 
I have attempted to rebuild my credit and they flagged my report. ( XX/XX/XXXX ) I found they had reported it again, as a separate debt. ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

TransUnion Request for reinvestigation 32 days ago I requested an investigation and Im not finding any response. This is regarding four negative items on my account. It does not appear that an investigation was done so Im asking that you please delete the four negative accounts. 

There are still an accuracies on my credit report so if an investigation was done, I am asking for a re-investigation and to share with me the method of investigation as simply asking the data furnishers is not an investigation. 
Please send a copy of the actual investigation and the results to my home Thank you and have a nice day. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX cancelled my insurance. After cancelation, the proceeded to bill me for an auto-renewal provision, however they never provided any insurance, because they had already cancelled my policy & I had obtained legal coverage elsewhere. 
They turned this over to multiple different collection agencies and currently resides with XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Transunion, File Identification Number : XXXX, did not take any of my statments into account and did not provide any information on how they came to the decision to deny my complaint. 
I am severely XXXX ( XXXX  ) & on XXXX. I can not negotiate Transunion 's endless circular phone menus.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX. Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

QUALITY LOAN SERVICE CORP of XXXX XXXX is a third party loan servicer who is illegally trying to foreclose on my home by scheduling auction sale on XXXX XXXX, XXXX. TS # XXXX XXXX. They are not representing any entity with a legal right to demand collection and sell the property. 
Trustees Deed XXXX/XXXX/XXXX XXXX Grantor/Grantee XXXX XXXX has been overturned by the court. 
The paragraphs bellow are from one of the documents I have attached. 
Trustee Sale No. XXXX Loan No. XXXX Title Order No. XXXX NOTICE OF RESCISSION OF TRUSTEE 'S DEED UPON SALE " On XXXX/XXXX/XXXX, at the property was purportedly sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
f/k/a The Bank of New York Trust Company, N.A., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX, being the highest bidder at such sale who bid the amount of {$430000.00}. 
5. The Trustee has been informed that the Trustee 's Sale in question was conducted through inadvertence and oversight. The Trustee 's sale of XXXX/XXXX/XXXX, as described above is null and void and of no force and effect. 
6. The express purpose for this Notice of Rescission is to return the priority and existence of all lien holders to the status quo ante that existed prior to the Trustee 's Sale. 
NOW, THEREFORE, THE UNDERSIGNED HEREBY RESCINDS THE TRUSTEE 'S SALE AND PURPORTED TRUSTEE 'S DEED UPON SALE AND HEREBY ADVISES ALL PERSONS, WHOMEVER AND WHATSOEVER LOCATED, THAT THE TRUSTEE 'S DEED UPON SALE DATED XXXX, FROM XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. f/k/a XXXX., as trustee for XXXX Multi-Class Mortgage Pass-Through Certificates Series XXXX AND RECORDED XXXX AS INSTRUMENT NUMBER XXXX, OF OFFICIAL RECORDS OF XXXX XXXX XXXX IS HEREBY RESCINDED AND SHALL HAVE NO FURTHER FORCE OR EFFECT WHATSOEVER. 
Also, please see CFPB case # XXXX It is complain I filed against the previous third party servicer, which protected me from their illegal claim. This current situation is another attempt by XXXX XXXX XXXX to continue its criminal activity.
Product: Credit reporting or other personal consumer reports

TOTAL CARD INC XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ TOTAL CARD INC ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ TOTAL CARD INC ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

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

On or around XXXX XXXX i sent Experian a letter requesting them to remove the inaccurate information on my credit report and they responded that the creditor verified the information from XXXX. Well XXXX sent me a letter stating that they didn't verify that information because the Bankruptcies has been removed so how could Experian say that it was verified? They continue to sell consumers personal information without our consent and go against the Fair Credit Reporting Act! And they have my name spelled XXXX when it Should be XXXX which is another grounds for deletion! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) each permissible purpose
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
Product: Credit reporting or other personal consumer reports

As of XX/XX/scrub>/2025 Equifax dropped my score XXXX points intending to create financial harm as to the score decrease I can't find any negative items added for such extreme decrease of my score their sole purpose is to make sure I have a perfect score and block any information that's dealing with any transactions without proof of debt original creditor copy of contract with signature
Product: Credit reporting or other personal consumer reports

Inaccurate information continues to appear on my credit report despite multiple attempts to have it corrected. I am filing this complaint against XXXX, Experian, and XXXX because they have failed to address these inaccuracies in compliance with the Fair Credit Reporting Act ( FCRA ). 

The credit bureaus have violated the FCRA in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) Outdated information is still being reported on my credit file when it should have been removed based on the legally required timeframes.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus have failed to properly reinvestigate the disputed items and did not provide adequate documentation to support the continued reporting of this information.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit reporting agencies did not follow reasonable procedures to ensure the maximum possible accuracy of the information on my credit report. 

I am requesting that the CFPB investigate these violations and ensure that XXXX, Experian, and XXXX comply with the FCRA by removing the inaccurate information and addressing the procedural failures described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm subscribed to Lending Tree 's credit monitoring service. After my score went up a few point, they offered to use their pre-qual form to find my offers for personal loans AFFIRMING that it would not affect my credit. After submit this alleged soft-inquiry I then received alerts from other services I use that my there had been several hard pulls on my credit file which is VERY unacceptable. I'm currently working on my credit and would have NEVER submitted the form if I knew they were going to do a hard pull which is counterproductive to what I have going on. This happened at the beginning of XXXX. 

I suspect Lending Tree illegally and without permission sold my information to other creditors. That is the ONLY way these companies would have even had my information for a hard pull. This is a very misleading tactic by Lending Tree and if it is included in their " terms '' it needs to be very clear. 

Lending Tree, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX all had access to my credit information FRAUDULENTLY. I had to suffer a score decrease across two bureaus because of this. I reached out to these companies the same day in an attempt to fix this and see what happened but they all acted clueless and said they would TRY to remove the inquiry and that is not good enough because they were never supposed to have my information in the first place. 

This is the email communcation from one of the companies involved, " XXXX XXXX XXXX XXXX received the application through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, case id XXXX on XX/XX/2020. You may want to contact Lending Tree and XXXX XXXX XXXX to learn more about the handoff steps each took in sharing the application.
Product: Student loan

I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO LEXIS NEXIS. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED!

Lexis Nexis is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Lexis Nexis ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Lexis Nexis is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Lexis Nexis does not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to Lexis Nexis to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Leis Nexis Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Lexis Nexis is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I am writing you file an official complaint against Carrington Mortgage Services this company is misappropriating funds in an attempt to foreclose on my home. All the information that I have received from this company is inaccurate and when I contact the customer service office, I receive several different responses none which addresses the question at hand. 
They are claiming of nonpayment of mortgage this is false listed on my payment history and my credit report. The information they have listed is invalid and not true. And Im requesting that they stop reporting this false information. They took over my loan in XX/XX/2019 and I have not missed one payment. They have created fraudulent charges to my account in order to justify their unethical practices theyve add to my account, property inspection fees, ( not performed ), late fees, ( not late ) applied mortgage payment to escrow and more. All in an attempt to defraud me and illegally foreclose on my property through fraudulent means. Attached you will find copies of checks for my mortgage that have cleared ( paid ) by my bank. I am not behind in my payment and should not be receiving threatening notices regarding foreclosure, I am seeking a remedy that would stop the threats.