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

ssistance in addressing serious inaccuracies and unauthorized activity on my credit reports that have not been corrected despite my repeated efforts to resolve them directly with the credit reporting agencies. 

After obtaining my Federal credit report, I discovered multiple inquiries on all three of my credit reports ( Experian, XXXX, and XXXX ) that I did not authorize. In addition, I have identified several other discrepancies, including : 1. Collections Misreported : Accounts that have been paid off are still showing as open collections, and they continue to reflect as negative items.

2. Inaccurate Status of Accounts : Paid-off balances are still being reported as delinquent or showing as having late payments, which is affecting my creditworthiness.

3. Incorrect Personal Information : My credit report contains aliases and variations of my name that I have repeatedly requested to be corrected or removed, yet they remain.

4. General Inaccuracy and Misreporting : Other items on my credit report are simply not accurate or up-to-date. 

I have sent multiple dispute letters, followed up by phone calls, and have repeatedly asked the credit bureaus to verify the accuracy of the reported information, but they have failed to do so. In most cases, my calls are dropped, or I am transferred and subsequently disconnected without resolution. This has been extremely frustrating and has created a significant hardship, as these inaccuracies are negatively impacting my financial stability and my ability to provide for my family. 

As this has caused me considerable stress and detriment to my credit standing, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit reporting agencies take appropriate corrective action and resolve these disputes in a timely and thorough manner. 

I would greatly appreciate your assistance in bringing this matter to resolution and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove these files. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$19000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Ditech has continually been trying to switch me to a escrow account when I have always been non-escrow and I pay my hazard insurance and property taxes seperately. In addition to me paying my own property taxes and hazard insurance Ditech has been sending duplicate payments to both and charging my account for them. Currently my account shows that I owe {$4300.00} in escrow when its a non-escrow account! Furthermore it is ruining my credit rating. After many phone conversations with Ditech they mislead me into thinking that they resolved the situation but the situation remains. For the second time in XXXX months they have again paid off my hazard insurance and tell me that I owe them this money when I already paid my hazard insurance - the same for the property taxes. I work full time and find myself contacting them almost every day which is putting my job in jeapardy.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding me through a predetermined cycle of client losses in the equivalent of XXXX USD which were transferred from my Coinbase wallet utilizing Coinbases services. 

I tried repeatedly to recover my monies from Coinbase to no avail. I have two separate filed requests to COinbase for assistance and recovery with a refusal to assist me in recovering my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting or other personal consumer reports

On XXXX  I mailed a dispute to Trans Union, which they received per certified mail on XX/XX/, requesting that they update my balance to XXXX ( XXXX ) due to the debt being paid, and I included the evidence supporting my claim per the attached enclosures. 

According to 607 Compliance Procedures 15 U.S.C. 1681e ( b ) Accuracy of Report, which states the following, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Since Trans Union is in Violation for NOT reporting a XXXX Balance, Im requesting for this entire trade line to be removed from my consumer credit report. I appreciate your assistance in this matter.
Product: Credit card

I was in the recent data breech from XXXX from Equifax and XXXX Reporting agency failed to remove the inaccurate reports, I have also filed an FTC identity XXXX report and disputed the incorrect information with all XXXX credit reporting agencies. I would like to have the items removed from my credit report due to it being inaccurate and it is affecting my credit negatively
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am/was the co-signer on my sons student loan. Loan originally with XXXX XXXX, approximate date of original loan XX/XX/XXXX. Loan transferred to XXXX. I am seeking any relief possible from XXXX pertaining to the ongoing lawsuits being filed by state and federal agencies. 
Commonline ID XXXX, as per copy of Signatory Loan serviced by XXXX. Previous contact with CFPB resulted in action taken by some credit reporting agencies, not all. Furthermore, around XX/XX/XXXX, I was subjected to several harassing phone calls from XXXX, one particular stated he knew we had been recently financed for a newer vehicle. Not proper info for him to have. 
Two previous complaints I filed with CFPB are both dated XXXX XX/XX/XXXX : XXXX-XXXX XXXX-XXXX  I have filed a complaint ( mailed on XXXX XX/XX/XXXX ) under the Class Action Lawsuit against XXXX, for their failure to timely remove and/or update MY status as it pertained to XXXX. 
On XXXX XX/XX/XXXX, XXXX informed me that my application for XXXX and XXXX XXXX had been approved. Effective date is date determined by VA, that effective date is XXXX XX/XX/XXXX. 
I have in my files copies of Equifax and XXXX, dated after XX/XX/XXXX, showing that they had not removed ( or expunged ) from my credit file the XXXX student loan. 
These statements are true and factual to the best of knowledge and documentation. If, I am incorrect, in explaining these circumstances, then I formally and apologetically withdraw this complaint. 
Sincerely / Respectfully XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX Account # : XXXX Balance : {$3300.00} Date Opened : XX/XX/XXXX Account Status : {$3300.00} Account Name XXXX XXXX XXXX Account # : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name XXXX XXXX XXXX Account # : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Status : open UNAUTHORIZED INQUIRE ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a business loan. The Lender retrieved my credit report and told me that I had XXXX outstanding balances which I know I paid off. On my credit report this information is not correct and is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX werent opened by me. I was able to request a free copy of my report & notice the following account were reporting on my history. I am not aware as of yet who would open an account in my name without any authority given to have the rights to open these accounts.
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 right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and 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 had disputing this account with XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Experian they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 2 late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints here are my supporting documents again
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX company seized funds in my bank account without any notice. Funds that have been awarded to me from personal injury settlement, workers compensation settlement, XXXX insurance payments and unemployment benefits payments have been seized. I have not received notices about this debt however if it is legitimate then statute of limitations has passed so legally they shouldnt be able to put a levy on my bank account. Total amount that has been levied is {$6200.00}, which is needed for me to keep a roof over my children and for everyday necessities. These funds should be exempt from. Enforcement of judgment.
Product: Student loan

I filed an earlier CFPB complaint regarding a delayed refund for the overpayment of my federal student loans from MOHELA. In a letter dated XX/XX/XXXX, MOHELA acknowledged they owed me a refund of {$17000.00} and stated that the refund would be issued in 60-90 days. I contacted MOHELA several times to inquire about the status of the refund check and was assured by their customer service representatives it would arrive within 90 days. Ninety business days after XX/XX/XXXX, was XX/XX/XXXX. 

No refund has arrived as of XX/XX/XXXX. 

I contacted MOHELA customer service on XX/XX/XXXX, to inquire about the status of my refund and was told they were unsure why there was a delay in the refund. They said they would research the issue and need another 90 days to determine why the refund was not paid. The customer service representative stated that it may take an additional 90 days to issue the refund *after* the research period of 90 days. This could add up to 180 days before paying out a refund that has already been delayed more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX The aforementioned Complaint with EQUIFAX is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. EQUIFAX, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, EQUIFAX sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

EQUIFAX 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on EQUIFAX 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Product: Debt collection

A debt collection agency showed up on my XXXX and I have never heard of them or received anything from them. I sent them a certified letter requesting they verify or validate my debt. I never received a response from the company. I spoke to XXXX and made the aware that I sent a certified letter and never received a response and they said they would conduct a dispute. They sent me a letter claiming it as verified with no proof from the company and nothing at all from the company leading me to believe they have some kind of deal with them. XXXX is the only creditor reporting this and I didn't get any resolve or clarification from them. Till this day, I have yet to get a letter or anything from this collection agency. They are still tanking my XXXX score while im building and working on my credit.
Product: Credit reporting or other personal consumer reports

I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! XXXX continues to report this USAA ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! USAA CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of XXXX USAA is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!