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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : + collection/charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a series of letters to Equifax, XXXX  & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from anxiety and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I paid my XX/XX/2024 payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/2024. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, XXXX and two other agencies did not change or updated their ranking of this account. 
On the top of everything both Equifax and XXXX completely ignored uploaded proof and continued report incorrect information. XXXX is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Want LexisNexis to stop reporting my credit report to the bureaus they are violating my rights as a consumer and if they dont stop I will take legal action against them. Also take all 4 bankruptcies off of my credit! I dont have to share any of my personal information with LexisNexis if I dont want to and I dont want to share any personal information with them.
Product: Credit reporting or other personal consumer reports

account due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX all reports have been sent over
Product: Credit reporting or other personal consumer reports

This is an ongoing dispute with XXXX, True Accord, and XXXX XXXXXXXX XXXX account number XXXX. I've asked that this account be deleted from my XXXX, XXXX and XXXX reports because payments were made through True Accord This dispute is not about me owning any money, it's about me providing proof this account has been paid in full. XXXX is not the original creditor, so they are trying to collect money on a paid account, and an account that's too old to be collected on. I have the letter from True accord. my payment history, and the settlement offer from True accord made on XX/XX/XXXX. My first payment started on XX/XX/XXXX, and I also requested this information from XXXX XXXX XXXX, along with my payment history from True accord, but has yet to receive it, which is a violation of my rights as a consumer. I have a letter that I wrote XXXX on XX/XX/XXXX, XXXX stating that I had settled this account in full from a settlement offer with true accord and nothing was done. It's now XXXX, and still nothing done. Again, I requested this same information from XXXX since they acquired my account from true accord. Where is that information, which by law, is supposed to be given to consumers, when asked? I also have other documentation contacting XXXX about this same account on XX/XX/XXXX and nothing was done. This account was not opened on XX/XX/XXXX, which was the date XXXX acquired this account from true accord. Secondly, how was it opened XXXX on XX/XX/XXXX and the XXXX delinquency was XX/XX/XXXX? You sound ridiculous and it needs to be removed. I've received nothing from XXXX  validating this debt. XXXX, your collection practices are fraudulently and your corporate office will receive a copy of this letter, and the attorney General. 
The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more than XXXX years old. Incorrect, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. I am requesting validation from XXXX XXXX bank, the date this account was opened initially, ,and not when it was sold.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, I sent money to the wrong place/person ( Ive never used money gram before ) I didnt know how it worked I thought I did. But I sent XXXX $ to a XXXX XXXX In XXXX and Id like to get my money back. This transaction happened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference CFPB complaint # XXXX about EQUIFAX , INC.. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of Equifax 's failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from Equifax regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that Equifax is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that Equifax provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Product: Mortgage

What happened What happened is I have a XXXX invester that the only thing he cared is his own pocket he should be in XXXX  SLS is the servicer and they dont want to do anything except to taken my home I am waiting for my social security to come through XXXX XXXX XXXX is on my case time is what I need and a good servicer SLS is a monster they never worked with me just toy me around and play game Shame on u SLS and invester I will be in the street by the end of the XXXX
Product: Debt collection

XX/XX/XXXX received collection notice in usps mail XX/XX/XXXX called and attempted to reach a settlement, a generated amount was verbally agreed upon, however refused to put in writing as if to allow them to change this amount at a later date. I have a full audio recording and cdrs from the phone call to their line XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also account paid and was suppose to be removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX place a fraudulent account for collections on my credit report on XX/XX/year>. I have no knowledge of this account and I have attempted to remove the account with Transunion. In compliance with the Fair Credit Reporting XXXX Act, section 611, part B subsection ( iii ) ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I would like for Transunion to care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. I have also requested a debt validation with a written signature for each account and have not received any response.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

I had an impound account with XXXX XXXX. In XX/XX/2019, I was contacted by SP Servicing Company. They now have my account from XXXX XXXX. 

This is a SERVICE company in Utah. If I do not accept automatic withdrawals, I have to pay to pay. If you pay through the online service, there is a fee, if you pay over the phone there is a fee, if you pay through the website there is a fee. US postal is available but if it arrives late, I will be charged even larger fee. 

I don't want a service company. This is awful and very difficult. I have no records of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect information found on my credit report. It has been will over 30days and I haven't received any investigation results.
Product: Credit card

barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DEMANDING THAT SAGESTREAM AND XXXX XXXX AND XXXX REMOVE SECURITY FREEZES AND THEN TO SUBMIT A FULL CONSUMER DISCLOSURE REPORT FROM ALL DATABASES! PLEASE SUBMIT IN USB IF NECESSARY TO XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the message I keep getting from Transunion. They are the only one that keeps reporting this false information. They continue to say that they are using a company to verify this information. The company that furnish the information is not affiliated with a court and is not a legitimate authority to verify the existence of a record. I have contacted the court and they have confirmed to me that they never verified no such record nor received any contact from Transunion during any credit dispute investigation. They stated that they do not release any such information to the public and are not responsible for anything like that reporting to any online site nor credit reporting agencies.The court clerk told me that XXXX or XXXX XXXX neither are associated with the court. XXXX XXXX does not report a Bankruptcy Therefore your response to my initial dispute where you state that the information is verified is either a lie or an error. Transunion did you verify this record with the courts as required? Please provide detailed explanation of your FCRA complaint investigation. It is only fair that in accordance with Section 16 18 A5 of the FCRA that you delete this record immediately and send me an updated copy of the credit report. I worked for the XXXX XXXX XXXX in XXXX operations worldwide. My data was compromised by the XXXX hacking of the OPM database where all personal details for the lives of XXXX XXXX XXXX personnel is held. My addresses and account info was all sent to the Dark Web and used for so many scams and identity theft. Someone else did this to hurt me. I am also a public figure in the U.S, just XXXX  me. People are always attacking my identity and doing things in my name. Also see my attached birth certificate. My legal name is XXXX XXXX XXXX XXXX. Any an all legal documents that I sign by hand with authority to bind to an agreement as signed as such. The record you are using the verify and add this to my account is not only against FCRA protected privacy, but It is also Not accurate as There is no way the record has my name on it because its not mine. Please delete it immediately. I am a 100 percent XXXX veteran. Please stop hurting me, I am facing serious health issues and having an accurate credit report is essential to my survival to secure financing for my health issues. ____________________________________________________________________ From Transunion : Your Bankruptcy Dispute has been updated. The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXXXXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Type of Record : Bankruptcy Reference Number : XXXX
Product: Debt collection

I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO THIS COMPANY AND THEY ARE HARASSING ME CLAIMING THAT I HAVE A NEGATIVE ACCOUNT WITH THEM WHICH I DO NOT! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY AND CEASE ALL COMMUNICATION VIA PHONE AND MAIL. THEY ARE IN VIOLATION OF MY HIPPA AND CIVIL RIGHTS!
Product: Debt collection

Received letter from shellpoint on XX/XX/2024. Shellpoint servicing states that I inherited the property after my XXXX XXXX. The statement is false. I received and inherited the property my home before my XXXX XXXX. I have the legal documents that prove this matter.
Product: Checking or savings account

I have been out of town due to health reasons and I am still out of town. I returned home for a week and picked up my mail in reference to XXXX # XXXX. It concerned a fraud, scamming incident with my bank account held on XX/XX/2022. I believe I have an idea who was involved because I was so distraught at the time, that I could not comprehend what happened. 
My neighbor XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX was the only one outside by my car when I was told to go to XXXX XXXX XXXX XXXX and go inside. I was totally controlled by these individuals who controlled my home phone, cell phone, and computers. I was told I would not get any control of anything unless I fully co-operated and in the process, my phone was totally handled by these individuals. My car battery was disconnected and though I asked the police department ( XXXX XXXX XXXX ) to go back and pull the camera where I was parked under the camera, he refused. His only response was I was not the only person to be scammed and he had been scammed before. Also, he complied as if it was a foreigner who flew to XXXX to scam only me. Since the incident, my life has not been the same. My privacy has been invaded and all of a sudden, my daughter acts as though someone is telling her about my finances and she is trying to drain me dry. I am on a fixed income for health reasons living with her and my computer/internet is no longer private. My nephew and my neighbor are very close and he was in financial distress at the time. I do not know what they were capable of and how they are still threatening my daughter to gain access to my finances. They feel they are beyond being stopped. I was surprised to receive another notice from you and health reasons plus being hospitalized is the reason I am just responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything.   XXXX   has removed this because they were n't able to verify any information. There is a copy of my  1st com plaint listed below.               whom it  may  concern, I mailed several letters of dispute last one being certified on  XXXX   XXXX   XXXX  in regards how    XXXX   XXXX   is  reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 says late and being over 100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violatio n of 1681 ( a ) ( 4 ). Under  section  611 ( 5 ) ( A )  of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit card

XXXX XXXX account number XXXX Navy Federal - account number - XXXX I made payments for these companies. Also my account was supposed to be set up on auto pay. I didnt receive no notification and they reported me as being late. Ill contact them about it. They says nothing we can do about it. They reported to the credit report name sees as late please remove these inaccurate reporting off my credit profile. Also, I told them that this was part of a consumer report data breach.
Product: Mortgage

Stearns recently changed its loan servicing company in XX/XX/XXXX. I have an escrow statement from Stearns dated XX/XX/XXXX showing my actual escrow balance in the amount of {$4000.00} ( amount agrees to my personal records and supporting documents ). I made an escrow payment on XX/XX/XXXX in the amount of {$1400.00}. Another payment was made on XX/XX/XXXX in the amount of {$1400.00}. Total escrow at transfer date should have been {$6800.00}. Actual transfer to the new servicing company was {$5600.00} ( excluding interest is {$5600.00} ). Assets have been misappropriated and fiduciary responsibility breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( XXXX, Transunion, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> LVNV FUNDING, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) Dear LVNV FUNDING LLC, I am writing to formally demand that you cease all communication with me regarding the alleged debt associated with account number [ Your Account Number, if applicable ]. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this matter. 
Effective immediately, you must cease all communications with me, including phone calls, letters, emails, or any other form of contact. The only exceptions allowed under the law are : To inform me that you will no longer contact me. 
To notify me of any specific legal action you intend to take regarding this debt. 
Failure to comply with this request may result in legal action against your company for violations of the FDCPA, including potential damages and attorneys fees. 
Please confirm in writing that you have received and will comply with this request. If you continue to contact me in violation of this law, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
This letter serves as my formal notice. Please keep a record of this correspondence for your files. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Lower my  credit limit not to long after i payed  XXXX  $ And do n't tell me why .And did n't know into I tryred to buy food .and just had  XXXX  on card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account.

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!