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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, there are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report. This is causing me tremendous anxiety.
Product: Vehicle loan or lease

I returned a leased XXXX XXXX on XX/XX/2019. Lease end was on XX/XX/2019 I returned it to an auto broker of my choice in XXXX XXXX CA XXXX XXXX. The same day I also lease a new vehicle. All financing has been through Toyota financial services. After a couple of months, I started receiving calls and letters from the lease end department. I spoke to XXXX # XXXX. The car had not been grounded and were still tracking what XXXX dealer had received it. Later I was told by XXXX # XXXX the car was grounded on XX/XX/2019 My credit score has been adversely affected they reported to the bureau as 30, 60, & 90 late payment. I do not own those car payments. The vehicle had been returned. I ask to put my status to current on time. When I contacted XXXX agent # XXXX on XX/XX/2019 she said when the car is grounded, they would report to the bureau to remove the negative marks. She advises to write a letter to their Toyota financial credit dispute department, but no action was done. I contact Toyota customer experience and spoke with # XXXX XXXX. All they did was waive {$350.00} disposition fee.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian.
Product: Credit reporting or other personal consumer reports

I am following up on my prior request for an investigation into the inaccuracies on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received a response from your office, and the incorrect information remains, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, please update and remove the late payments for the following accounts. 

- XXXX XXXX Balance : {$210.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by EXPERIAN
Product: Debt collection

I have sent written notification ( a certified document through United States Postal Service, Document Attached ) to Credit Collection Service requesting documentation of any contractual relationship between myself, & Credit Collection Service. This was not a request for verification or validation. This was a request for proof of contract to substantiate Credit Collection Service 's claim to XXXX, XXXX XXXX XXXX, that I owe Credit Collection Service, {$640.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Furthermore, Credit Collection Service is not a licensed business in the State of Louisiana ( Attachment Enclosed ).
Product: Credit reporting or other personal consumer reports

Innacuracies and lack of information on my credit report.
Product: Mortgage

I closed on my loan last year and escrowed for taxes and insurance- I have repeatedly submitted a copy of my HUD 1 and Initial Escrow Account Disclosure statement which clearly identifies that my account was set up with escrows for both taxes and insurance. I had to submit the documentation several times and Ocwen refuses to acknowledge that I am escrowing for insurance as well as taxes.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect and false on my consumer report and said all the information is verified. XXXX removed all these fraudulent accounts including names and addresses that never belonged to me ever!! Who is XXXX XXXX XXXX. As per FCRA once one bureau removed all false information you have to do the same. This causing a great burden to me as I have been the victim of identity theft. Please see attached exhibits as proof of claim. I also sent a cease and desist and they are still reporting which is third party communication and that is forbidden. And according to cfpb.gov the law requires companies to delete disputed unverified information from consumer reports.
Product: Debt collection

good afternoon I contact you because I received a letter from a company called radius saying that I have a balance with them that account is not mine and I would like you to review the account to investigate what is happening someone has asked for credits in my name without my consent.
Product: Student loan

On XXXX/XXXX/XXXX, Fed Loan Servicing inaccurately reported, previously cleared, information causing XXXX XXXX 's credit score to drop approximately XXXX points. To make matters worse there is no record that the report from XX/XX/XXXX occurred and came to fruition only after he tried to make arrangements with Fed Loan Servicing for a forbearance. He was re-assured in a phone call to Fed Loan Servicing XX/XX/XXXX that no negative credit reporting was scheduled to occur, yet within 30 days of that phone call negative information posted to his account. Fed Loan servicing inaccurately reported negative credit information on XXXX/XXXX/XXXX. This has created financial difficulty for XXXX XXXX. He has been financial burdened from the mistake and the information on his credit report is not accurate. He has had difficulty from XXXX/XXXX/XXXX accessing credit, student loans, moving, car loans, and had to pay higher interest on debt as a result of inaccurate reporting. All previous negative credit reporting from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had been removed from the credit report ( by XX/XX/XXXX ) but now is inaccurately shows as 120 - 149 days late in XX/XX/XXXX ( as if default occurred XX/XX/XXXX ). Fed Loan Servicing illegally reported inaccurate information by changing the date of the already vindicated delinquency from XX/XX/XXXX. This Fed Loan servicing report is against the law because they re-reported previous delinquency from XX/XX/XXXX XX/XX/XXXX ( which was removed XX/XX/XXXX ). This is against FCRA Section 623 ( a ) ( 1 ) ( A which states : " it 's illegal to report information that you know or believe is inaccurate ... '' XXXX XXXX was unable to access financial resources as a result negative credit reporting because Fed Loan re-aged ( inaccurately changed the date of the first delinquency and has no record of doing so ) which is duplicative reporting and is in violation of the CRA Appendix A to Furnisher Rule Part 660. This rule says that a reporting agency must follow policy and procedures to prevent re-aging ; which Fed Loan Servicing failed to do as evidence by their denial of appeal.
Product: Debt collection

This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XXXX I believe. Beginning XX/XX/XXXX is when XXXX XXXX XXXX  began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just Check my Credit and I notice some fraudulent Activity. I have Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I discovered a XXXX XXXX XXXX Visa   XXXX ( XXXX ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX  balance and they refuse to remove this account from my credit report.
Product: Credit card

I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # XXXX
Product: Credit card

I applied for an Apple Card but was initially denied. I was then offered to start on the path to the Apple Card program through Goldman Sachs. I completed the program and applied for the Apple Card and was accepted. The first time I tried to use the card was in XXXX to make a purchase and it was denied. I contacted the company and the only thing they would tell me is that my account was under a restriction and that someone would be in touch with me. I tried contacting them again a couple of months later and was told the same thing. I looked at my wallet app on the XXXX and it still says the same thing. I remember hearing in the news about a month or so ago that Goldman Sachs is trying to offload the Apple Card to another company. I have read on the internet that a lot of people have had this problem with no resolution ever happening.
Product: Debt collection

i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company. 

I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service. 

I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was a fraudulent hard inquiry and account opened by Capital One. They were immediately notified of the fraud and instructed to close the account and to remove the inquiry. I was told that it takes 90 days to remove the inquiry. It has been longer than 90 days and Capital One, XXXX nor XXXX still will not remove the fraudulent inquiry.
Product: Credit card

I have credit cards with XXXX XXXX XXXX, Chase, XXXX Bank and others. I paid for the protection insurance if I lost my job or was injured, the amount owed would be removed. None of them honored this policy and I paid extra for this service. I provided them with the documentation from the unemployment insurance of California yet I am constantly harrased and threatened by their agents relentlessly. They have called my relatives, friends, even my church. It seems that they have a copy of my phone bill and called every one that I may have had contact with. I do not know what to do as I took out the insurance policy with each of them and they should honor it as I paid for it.
Product: Mortgage

I pay off Mortgage ( {$23000.00} ) to Mr Cooper /Nationstar Morgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX. I send certified mail requesting Release of Lien ( Satisfaction of Mortgage ) .Never received answer.Various written, E Mails, Certified mail communication, no answer from MrCooper/Nationstar Mortgage XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXX  ACCOUNTS NUMBER XXXX AND XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for XX/XX/XXXX in District Court of Maryland. I had attempted to pay the account to XXXX XXXX, but was told the account was sold. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two renter applications made that I did not make. 
First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. 

Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. 

I dont know if this is identity theft or not, but neither of these instances were applied for by my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX under 15 USC 1681, 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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TO whom it May Concern : Also XXXX website is down to file disputes for the last 3 weeks MUST BE REMOVED Did not have my WRITTEN CONSENT RE : 15 USC Section 1692C -NO RESPONSE FROM : XXXX XXXX Equifax and XXXX or the creditors and no actions Sent to all of them Section 604 15 U.S. Code 1681 B This law states that the credit reporting agencies ( XXXX XXXX Equifax XXXX and XXXX ) dont have the right to report anything on your credit report without your written consent which you do not have that right I am disputing the- referenced debts below. Please verify this debt as required by Fair Debt Collection Practices Act. 

Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. The law states these items need to be removed within 4 days of receiving our complaint. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never had was covered under the cares act of covid 19 relief CC : Federal Trade Commission Consumer Response Center
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XXXX the XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
Product: Money transfer, virtual currency, or money service

on XX/XX/scrub>/2020, I was scammed by someone selling a fake XXXX XXXX bag for {$700.00}. Once I noticed the false charge on my Zelle account, I contacted them and was basically told that there were no resolutions to this matter due to no security policy in place to protect against scammers, unlike other services like XXXX. the mobile number associated with the false charge is XXXX. I am unable to find the email associated with this claim but Zelle should have record of it. they did not offer any solution to this problem and I just want my money back.
Product: Credit card

I have a Gold Amex card which had no preset spending limit. I have been a loyal AMEX customer since 1992 and have never paid late. In fact, many months I pay XXXX weeks before the payment is due. With inflation and rising interest rates, my monthly payments do not make as big of a dent in the balance, but they are always paid timely and there have not been any large or sudden significant increases in my balance. I received a notice today saying I now had a preset spending limit. That would not bother me so much if they hadn't set my preset spending limit below my current balance. So all of a sudden, without any notice to me, I am several XXXX over my credit limit. Why - because AMEX set a limit that was several XXXX lower than my current balance. That will cause my credit score to literally plummet - a credit limit that has been exceeded by several XXXX. Also, if I suddenly need to pay everything over the newly imposed credit limit that will not be possible. Setting a credit limit is one thing, but below a customers current balance seems predatory as it literally destroys their credit through no fault of their own and may suddenly set them up for ballooning payments due to the lowered credit limit. If you exceed a credit limit, many cards make you pay everything above that limit. I attempted to speak to AMEX and all I got was an agent that said I could dispute but the process would take a while and I had to provide my net worth. When I was approved for the card I provided all of that. The fact is, I am in good standing and have been for quite some time. AMEX needs to raise the credit limit to an amount above my current balance so I don't get a major hit on my credit and so I don't suddenly owe an excessive balance due to having to pay the amount over. We are in the process of selling a home and moving. And my husband has some medical issues we are dealing with. I can't take a credit hit that will impact my other finances. No other card has treated me this way. AMEX may think I am riskier these days but I have never paid late. And that is no excuse for bringing a credit limit below my current balance - and without notice.
Product: Debt collection

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.