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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, Clarity, XXXX, Clarity, XXXX  This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ). 
This is also a Identity Theft Issue. 

( Please Provide ) 1. The name of the court representative you spoke with. 2. The Court address and telephone number. 3. The person 's name they verified the dispute with XXXX. The documentation used to verify the dispute. ( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General Child Support acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate.

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft.

This is why I am requesting " A Method Of Validation '', THIS IS NOT A DISPUTE.

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?
Product: Credit reporting, credit repair services, or other personal consumer reports

A deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I asked credit bureaus for proof that the repossession of the subject vehicle was legal in accordance with the law. NO such proof was given to me within XXXX business days after requesting it and this shall be considered null and void. Kindly complain, step up CFPB and remove XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX because of the pandemic I lost my job as a nurse for a year we struggled to pay all bills. In XXXX, my husband and I decided to apply for forbearance for 6 months. After 6 months we continued struggling so applied for another 6 months of forbearance. We recently applied to the California relief program as our forbearance is coming to end this XX/XX/XXXX. Our company paramount residential mortgage group contracted a subservicer and refused to participate in the federal program. I understand mortgage companies arent forced to participate but my loan is backed my XXXX XXXX a federal funded company so it makes no sense for them not to participate and in addition not follow XXXX XXXX guidelines. Secondly they refused to speak to us the clients and transfer our calls to the subservicer who is XXXX who continuously lies to us. My husband and I have struggled with this issue for more than a month. We hope to get some help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXXXXXX 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureausr investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$840.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called XXXX XXXX XXXX Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized XXXX, XXXX yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with XXXX XXXX XXXX in the past. Why do they get away with this? My credit score has dropped substantially because of this.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove or correct these fraud items in my credit 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 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 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

Experian is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. Experian has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and Experian is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. Experian states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

WELLS FARGO DEALER SVC, Account # XXXX is reporting inaccurate. 
information FCRA Law states all information must be accurate with all credit bureaus. 

inaccuracies 1.Date Last Active 2.Payment Status
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps adding and dropping my credit score every other day XXXX day they add XXXX points the next XXXX days its back up XXXX points! There is no changes to my credit report for any existing data or new data statements that dont state any reasons why my report keeps going up and down for no reason!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am preparing to apply for a mortgage. This is my SIXTH REQUEST for Equifax remove the compliance code comments/remarks that state Account previously in dispute now resolved by data furnisher and Consumer disputes this account information from the Comments and Comments 1 sections of my Equifax Consumer Credit Report for the following account : XXXX XXXX XXXX XXXX XXXX XXXX 

I am NOT disputing the account information or how the account is reporting. My only concern is the compliance code comments/remarks that utilize the wording Account previously in dispute now resolved by data furnisher and Customer disputes this account information. 

Kindly remove all comments from the above-referenced account that reference any dispute wording. I have included the relevant portion of my XX/XX/2023, Equifax Consumer Credit Report with the items highlighted and circled to assist you with identifying the items. 

Additionally, I recently reached out to XXXX regarding this matter. I have included their response dated XX/XX/2023, agreeing to remove the disputed status. However, the items are still being displayed on my Equifax Consumer Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased vehicle was turned in early. I contacted Kia to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting Kia I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.
Product: Student loan

I applied for the XXXX plan and did not get a notification of if it was submitted. There is no spot to enter my spouse student loan amount. Which directly effects the available discretionary income math for that plan. 

Also, I paid my payment for XXXX and I am getting alerts of missed payments. 

There is no way to contact them. The computer chat says it is too busy, their schedule a call is unavailable, and I have been on hold for 2 hours and can not get a hold of anyone. 

This is unacceptable. I am doing my part.
Product: Mortgage

In XX/XX/XXXX I found out that 5/3 Bank improperly managed my escrow account on my home mortgage again. I paid my mortgage payment/insurance but they failed to pay XXXX bureau insurance 2 separate occasions, then their 3rd payment failure left me unknowingly without homeowners insurance from XX/XX/XXXX until XX/XX/XXXX. They also failed to track down money they paid out of my escrow for the homeowners insurance for XX/XX/XXXX to XX/XX/XXXX but say i was not covered, my {$1200.00} is still missing months later & no one has contacted me. Due to negligence by 5th/3rd Bank , my house was unprotected for over 365 days! Once I found out, I got a new policy with XXXX  effective XX/XX/XXXX. However 5/3 bank just sent Me a letter ( XX/XX/XXXX ) stating that they purchased a policy on XX/XX/XXXX for {$2700.00} that I have to pay but doesn't cover me, it only covers the 13 days that it took for me fix their mess & get a new homeowners policy XXXX XXXX XX/XX/XXXX. THEY JUST DID THIS AFTER I FILED THE 1ST COMPLAINT, THIS IS CLEARLY RETALIATION AGAINST ME, THE SOLE PROVIDER TO A FAMILY OF XXXX! EVEN THOUGH I PAY MY MORTGAGE PLUS {$300.00} EXTRA EVERY SINGLE MONTH WITHOUT FAIL. THEY HAVE THE NERVE TO FAIL TO PAY MY ESCROWED INSURANCE POLICY ONTIME SEVERAL TIMES NOW, LAPSED MY HOMEOWNERS FOR 365 DAYS PLUS THEN TRY TO CHARGE ME THOUSANDS FOR THE COUPLE WEEKS IT TAKES ME TO SORT OUT THEIR MESS! 5TH/3RD BANK IS TRYING TO STEAL OUR HOME!
Product: Debt collection

On XX/XX/XXXX, I received an email alert that a collection account was added to my credit report. It is from LVNV funding collecting for XXXX XXXX in Texas. I live in Minnesota and have never been to Texas. This is the second utility account that has been opened fraudulently in my name. The first account was with XXXX XXXXXXXX XXXX back in XXXX with another collection agency. This account was cleared and removed from my credit report. The contact info LVNV/Resurgent has for me is not mine and is Texas contact information. Again, I live in Minnesota. It appears these accounts were opened around the same time, in XX/XX/XXXX. This is NOT my debt and is fraudulent. This account needs removed my credit report. My credit reports have been frozen since the first incident. FTC Identity Theft reports have been open for both of these accounts. They are attached to this complaint.
Product: Checking or savings account

On XXXX no transfer to add money from Experian XXXX XXXX to my XXXX XXXX was added. But it shows in my checking statement that the {$50.00} is still pending and was never refunded
Product: Credit reporting or other personal consumer reports

Since filing my last complaint against XXXX XXXX which was allowing a person too retrieve a loan under my credentials and one of my credit and my good name since then I have a litigation attorney dealing with it and we sent dispute letters to all three credit reporting agencies they fixed some of the things but they have a whole lot of inaccurate items that there phone on my credit report even after I sent the dispute letters and had items that wouldn't fix and corrected causing me to not to obtain credit and financial hardship because I can't get obtain my credit report and there are still a lot of hard inquiries and soft showing even after I sent and dispute letters for my attorney I really ask that all three credit reporting agencies fix all those inaccurate things and compensate me for all the struggle because I can't obtain the credit because of these things I ask that they fix these things immediately before I become homeless because I really need to apply for credit on my own so I can come stable again and regain my good name these agencies are XXXX Equifax and XXXX
Product: Credit reporting or other personal consumer reports

Experian keeps stating they have verified this bankruptcy they are reporting via their vendor I contacted XXXX and they stated they did not verify this information and has since removed the information from their system. This is my final attempt to get Experian to turn over their vendor information so I may follow up to see if they indeed have the correct information if you fail to respond with the documents I want you to know I will be suing you under FCRA and also filing arbitration based on your service agreement because I did not state I wanted Experian services or that I even wanted you collecting my information to seek as a reseller of consumer data. You have 7 days from the date of this complaint then I reserve my rights to sue.
Product: Credit reporting

Address XXXX XXXX XXXX XXXX XXXX on my personal information I never lives at that address before and I would like to remove it from my information thank you.
Product: Debt collection

On XX/XX/2023, I asked for written verification of the debt. I was XXXX XXXX military when debt occurred. I got charged with 2 months of rent while on orders. I should not have been charged legally. I demand notice of my debt and my termination notice date.