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

Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. 

In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. 

In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. 

According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.
Product: Mortgage

XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today.
Product: Debt collection

They ( Radius Global Solutions ) email my mother about my credit card debt. They shared the name of the debt and the balance that was owed. The account was never had my mother information. Them emailing her and her yelling at me for having the debt. Has cause a moment of tension and and undue stress to her thinking she her credit score was gon na be impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX IN Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX
Product: Mortgage

XXXX XXXX advertisement is filled with false rates. The advertised rate is not anywhere near the actual rate that they will offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion to have these unknown inquires removed. This inquires are not listed on my XXXX report or my XXXX report. I asked that these inquires be investigated. I have not received a response nor have the companies provided proof that I authorized these inquires. The request to have this information removed has been well over 90 days. 

I will attach my report from XXXX, and XXXX so you can see that these were not authorized as the do not show on my other reports. Neither company has provided written documentation that I approved these inquires.
Product: Vehicle loan or lease

I financed my car in XXXX of XXXX. I was made privy of their Predatory Lending Practices, and Fraudulent Business Practices around XXXX of XXXX. I am requesting an affidavit of truth from one of the board members, validating the debt, and proving where the initial funds came from to finance the loan. Was it my signature and security collateral that funded the loan, or was it their own personal money that financed the loan? They are constantly ignoring my requests/demands for this. I wish to operate in honor, and they are breaching contract by not honoring their fiduciary duties to me, the beneficiary. 
My loan was financed for {$64000.00}, when the XXXX was {$55000.00}. There is an " allowable backend '' for {$8100.00} on the contract which was NEVER discussed with me. They coerced me to put down {$7400.00} on a credit transaction, when legally speaking, you cant take any cash on a credit finance. This is per 15USC 1605 ( a ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This communication shall serve as notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This is my eighth notice to LexisNexis regarding the incorrect addresses that LexisNexis is reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER lived at these addresses and I have NEVER been associated with these addresses. I have notified LexisNexis several times, prior to this communication, that I am a victim of a mixed file at XXXX. Additionally, I have notified LexisNexis that I am a victim of identity theft. LexisNexis is reporting incorrect information that does NOT belong to me. I insist that LexisNexis correct its records as follows : The following addresses are CORRECT. I HAVE resided at and am associated with the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are INCORRECT. I have NEVER resided at or been associated with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, LexisNexis has previously reinvestigated the incorrect addresses and determined them to be UNVERIFIABLE. Since the incorrect addresses have been previously investigated by LexisNexis and were determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that the incorrect addresses be promptly and permanently removed from my LexisNexis Accurint Report.
Product: Credit card

Complaint for the Credit Card applications for Capitol One or XXXXXXXX XXXX XXXXXXXX and most of all the Small Business Loan XXXX access is delayed in my applications need to access the XXXX XXXX XXXX XXXX XXXX  with the Act of XXXX XXXX act and XXXX XXXX XXXX XXXX XXXX XXXX XXXXt for the weather climate change drought summer conditions last summer for this summer and for single individuals to stabilize from the many escheated people who's property is to be for the misuse of city police too quickly the they own the homes with century XXXX who's negligence were let be disturbed unitl homes foreclosed from the conflict of broken police rules violating the XXXX amendment of the bill of rights. In compensation for the cfpb I would like just the regular recent rules to help me able to qualify for a small business loan and capitol one credit I think is to be more easy access of credit for economic relief and XXXX XXXX to arrange please for me
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1.  XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had unauthorized hard inquiries on my report. Please remove these hard inquiries from my credit report, they are hurting my ability to obtain credit. 

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

To whom this may concern I am a victim of identity theft and would to submit this dispute in support of getting these fraudulent accounts removed from my credit report. I am in the process of home owning and this is causing much distress. I am not sure how these criminals were able to access my information to open these accounts but I would like them removed to that I do not have any issues with my future financial endeavors.
Product: Debt collection

On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
Product: Credit reporting or other personal consumer reports

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could XXXX and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in XXXX  I have been paying the mortgage in XXXX  since XXXX and the bills in XXXX  on top of my rent here and bills here in XXXX. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im military and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Also XXXX late payment was removed last year and now I have XXXX late payments on my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on my XXXX  credit report on XX/XX/XXXX. They have a negative account from Mariner Finance company listed on my report that has been paid in full since XX/XX/XXXX. I know for a fact the account is paid off and closed because the loan was for a car and Mariner Finance sent me the title to the car last year in XXXX XXXX which has been sold in XX/XX/XXXX. 

The response to my dispute is that it would remain as negative information on there because the information was verified as accurate. That is incorrect information and it needs to be removed. Also, they have been reporting account information after XX/XX/XXXX that says the account is OK or has been paid monthly when there is nothing to pay on the account for over an entire year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed   XXXX   proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
Product: Credit reporting or other personal consumer reports

They sent me unreliable and accurate generated computer response. No true investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account

, 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
Product: Student loan

I requested a refund of loan payments made during the XXXX loan forbearance period ( between XX/XX/XXXX, until XXXX XXXX, XXXX ), payments which did not go towards my XXXX XXXX Forgiveness status. This amount was for around {$20000.00}. The request was made in XX/XX/XXXX over the phone with a live representative. It is now XX/XX/XXXX and have not seen any proof of refund to my bank accounts, nor did I receive any proof that the refund went through. I also had to move my loan to XXXX for their student loan forgiveness program, only to still have {$900.00} still remaining on my NELNET account, which is still gaining interest. There should be nothing in NELNET at this time. 

I have emailed Nelnet multiple times with no response. I have also called Nelnet multiple times throughout the week only to be on hold for XXXX to XXXX hours or more before the system hung me up or the office was closed before I talked to anyone.
Product: Credit reporting or other personal consumer reports

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing Open with some companies and closed on another, also this account on one of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being 2 years old. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a XXXX payment of {$3600.00} from my BofA bank account to an XXXX ( XXXX XXXX ), phone number XXXX ( XXXX ) XXXX. He sent me an invoice first from XXXX At XXXX XXXX XXXX   XXXX XXXX, XXXX, FL XXXX, then from XXXX XXXX XXXX, incorporated in Colorado but with a business address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX. I never received the products or a response from XXXX again. I contacted BofA and XXXX and was told that XXXX payments are irreversible, even though they advertise them as safe and easy. I have conversations, a paypal address and email, and the invoices I was sent from this man. My bank or XXXX were not of any help. A friend found this site today, hopefully you can help me to recover my money, or at least find the fraudster and have him brought to justice. 

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

Experian cancelled their XXXX app called XXXX XXXX with no warning but continue to bill for the service. You can only cancel by phone and the number is fully automated but does not recognise that i have an active membership. Both Experian website and bank statement show I do. Attempting to cancel through the social media team but am getting the run around and they are attempting to sell me on new upcoming services. I have already been charged for a service i could not receive i want to cancel my membership with them.
Product: Debt collection

On XX/XX/17 three negative references on my credit report by Gold Key Credit were reported to you. The vendor reported that they would prove my obligations or remove them along with any negative credit reporting. 
No information was received from Gold Key. A temporary increase in my Credit score was  observed while they placed the debts in dispute. The alleged debts have now reappeared as charge offs. I continue to dispute the validity of these debts and the company 's manipulation of my credit history based on unfounded debts.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX