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

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX A XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Sincerely XXXX A XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open Dtae XX/XX/XXXX for a amount of XXXX. I called in to XXXX and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and 10 payment late and this is incorrect please have them to delete, Equifax is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXX5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9.XXXX XXXX ( 2 )XX/XX/XXXX10.XXXX  XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX12. XXXX XXXX XXXX XXXX ( 5 )   XX/XX/XXXX, XX/XX/XXXX13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX  XX/XX/XXXX15. XXXX  XX/XX/XXXX16 XXXX XXXX XXXX  XX/XX/XXXX17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX
Product: Debt collection

MRSBPO says I owe I debt that I dont owe due to someone stealing my identity 15 usc 1681 B
Product: Credit reporting, credit repair services, or other personal consumer reports

attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Debt collection

I am writing to express my dissatisfaction and frustration with the unresolved matter concerning a debt owed to National Credit Systems Inc. 

Despite repeated attempts to resolve this issue, I have encountered significant obstacles in obtaining proof of ownership of the debt in question. Despite making a payment towards the debt, National Credit Systems Inc. continues to assert that I owe them without providing adequate documentation or verification. 

This situation has caused undue stress and financial strain, as I have made efforts to fulfill my obligations only to face persistent demands from your company without proper justification. 

The lack of transparency and failure to provide evidence of ownership of the debt is unacceptable and has tarnished my experience with your organization. I urge National Credit Systems Inc. to promptly address this matter, provide the necessary documentation to validate the debt and cease any further attempts to collect without proper verification. 

I expect a timely and satisfactory resolution to this issue to prevent any further escalation of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

False Credit Inquiries were made on my credit reports ( Experian, XXXX and XXXX ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to EQUIFAX INFORMATION SERVICES ON XXXX XXXX and on XXXX XXXX HERE IS MY TRACKING NUMBER : XXXX via USPS, for the following items : XXXX XXXX XXXX  acct # XXXX balance XXXX XXXX XXXX XXXX - BALANCE XXXX HOWEVER ITS HAS BEEN MORE THAN XXXX days and THE ITEMS ARE STILL APPEARING ON MY CREDIT FILE and EQUIFAX HAS NOT ACKNOWLEDGED RECIEPT OF MY LETTERS DESPITE ME HAVING A TRACKING NUMBER! I HAVE DISPUTED THESE ACCOUNTS OVER ONE YEAR NOW!! I HAVE LET EQUIFAX KNOW THAT THIS ITEM IS FRAUDULENT AND IT SHOULD NOT CONTINUE TO REPORT AND THEY ALLOW THE COMPANY TO CONTINUE TO REPORT most RECENT REPORT WAS XX/XX/2023 EQUFAX ALLOWED XXXX XXXX XXXX TO UPDATE ACCOUNT BALANCE TO XXXX!! EQUIFAX HAS VIOLATED MY PRIVACY RIGHTS! 

15 USC 1682 section 602 A states I have a right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-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 the information is inaccurate
Product: Credit card or prepaid card

Good afternoon, I wanted to write to you because in truth what is happening to me seems super unfair. A year ago, my monthly payments were too high and interest too. I called Chase Bank to help me. they told me that my only option was to close the account so that the minimum payment was lower. 
I repeated myself multiple times to the representative and this person confirmed to me that the {$90.00} will be deducted from debt with no extra fees. I closed my account that day. I have been paying my {$90.00} dollars every month on the XXXX for months now and when I can pay a little bit more I usually do. 
I started to notice how my debt was not changing much and I decided to compare all my statements. To my surprise I was been charged a 12 % interest. I called chase and talked to 5 different departments and nobody was able to assist me. I was provided with wrong information and the representative didnt explained anything. I realize now that I should have kept credit card open and try to pay it off. This affected my credit and how am I supposed to trust Chase again? 
Chase doesnt even want to knowledge me or even try to help me. I asked for the recording of the convention via phone to be provided to me and nothing has been done. There is a lack of transparency and there was not guidance. I want to pay off my debt, but they are making it impossible for me with these fees and I honestly just dont even want to deal with them. This is unfair and more when I just want thats all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED XXXX XXXX XXXX WITH EQUIFAX AND XXXX AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS XXXX OR EQUIFAX. IT IS CLEAR THE UNITED STATES BANKRUPTCY XXXX DOES NOT REPORT TO EQUIFAX OR TRANSUNION.THEREFORE EQUIFAX AND XXXX EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to ensure accurate reporting of my payment history for several accounts, including but not limited to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Issues with Inaccurate XXXX XXXX XXXX XXXX : My credit report contains inaccurate entries for payment histories across these accounts, including repeated monthly reporting of charge-offs as new events. For example, the payment history for XXXX or more accounts reflects entries like " XXXX XXXX as of XX/XX/year>, XX/XX/year>, XX/XX/year>, '' which is improper. Failure to XXXX XXXX : Under 15 U.S.C. 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Repeatedly listing charge-offs as new events each month violates this obligation and has caused significant harm to my XXXX XXXX. Violation of XXXX Statutes : According to 15 U.S.C. 1681c ( a ) ( 4 ), a charge-off can only be reported for XXXX years from the date of the first delinquency leading to the charge-off. Transunions repeated reporting of charge-offs as new events does not reset this statute of limitations and is misleading. Unjustified Account Closures : TransUnions report inaccurately reflects unjustified account closures from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, despite my efforts to maintain a perfect payment history. These closures, without prior notice or valid justification, have unfairly damaged my credit profile. Violations of the Wisconsin Consumer Act ( Wis. Stat. 427.104 ) Experians reporting practices also violate the WCA by failing to provide fair dealing and reasonable communication. Specifically : Failure to Provide Adequate Notice : Inaccurate reporting of account closures and repeated charge-offs deprived me of the opportunity to address or dispute these issues. Unjustified Harm : These actions have caused significant and undue harm to my credit-building efforts and financial reputation.
Product: Mortgage

I asked for forbearance in XXXX? 2018 because my household income was reduced and instead of getting forbearance I came out of this meeting paying double the payment. This caused even more of a problem because I couldn't keep up with my payments. Then Covid-19 pandemic caused my income to be reduced temporally and I again requested forbearance and was told that my mortgage was not covered by Cares act forbearance and that I wouldn't be able to get any assistance. Then I was told about a grant admittance program that habitat offered and that I should apply. I then applied and was told they wouldn't consider my application because I was behind on my payments?? .. Now I am facing a foreclosure on my home of XXXX5yrs. On top of everything the company is a government program that is supposed help people afford a home in low income situations. Habitat for humanity. I don't understand why I'm not covered under the cares act? Why I can't get any assistance to help me thru this.
Product: Credit card or prepaid card

I tried to close my account because this company added an maintenance fee without notice. I canceled the account and I was waiting for the statements to reflect the accurate balance which was not updated until XX/XX/XXXX and my billing statement isnt due until the XXXX so i dont understand why was I charged XXXX on an closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not afford my car because of a hardship I gave my car back they sold it at the auction they are willing to settle with an amount of XXXX I made a payment so my new balance is XXXX I have untill XXXX I plan on paying it Im making payments I called because of the hardship I asked if they could remove it when its paid in full they said they cant I would have to reach out to someone else it can be removed I also asked them for pay for removal I was not allowed to speak to the team that removes them I am trying to go through a program to buy a house but its stoping me so I asked them kindly if they would remove it
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 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, XXXX XXXX, XXXXXXXX XXXX XXXX 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have sent multiple emails to XXXX XXXX with police reports and with proof that my identity was stolen yet they continue to sell off the debt and I keep getting harassed to pay a debt that is not mine. I don't know how else to make the stupid energy company to own the fact that by not checking doing their due diligence to make sure that people who get accounts with them are the actual owners of the SSN and DOB being used. I am tired of having to deal with XXXX XXXX and would appreciate that you correct their abusive manor and selling off the debt. 

Online Formation Services sending me a bill that I DO NOT LIVE AT is not proof it is mine. I have only lived here in XXXX XXXX TX and I will not pay for a debt that the energy company is at fault because they didn't make sure the person signing up for services is the actual owner of the debt. Online Formation Services refuses to listen and keeps on trying to collect. I AM NOT PAYING.
Product: Student loan

NAVIENT NOT UPHOLDING SETTLEMENT - reporting the account on borrower and co-signer credit reports and did not pay back payments made post XX/XX/XXXX in defiance of the XXXX XXXX XXXX Pennsylvania, Consent Judgement and Order dated XX/XX/XXXX. 

My XXXX XXXX  loan ( $ XXXX ) was co-signed in XXXX by my sister, XXXX XXXX XXXX ) XXXX. Sometime last year, the loan ( > $ XXXX ) disappeared from my Navient account and my credit report. I never received any notification or refund of payments made after XX/XX/XXXX. As of XX/XX/XXXX, the loan is appearing on my XXXX credit report as not past due and closed. In the past few months, my sister/co-signer has been receiving collection calls on the loan and is being told she is responsible, I filed bankruptcy, and Navient has not been sued- All lies stated on a collection call. 

I called on XX/XX/XXXX and requested a copy of the letter they were supposed to send to me indicating the account was paid. I was told the letter would be to me no later than the XXXX or XXXX. As of today, I have not received the letter.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX Also, please update and remove the XXXX ex-employers XX/XX/XXXX whom I've no longer worked for. Thank you for your understanding and prompt action.
Product: Credit card

In XX/XX/23 I had an unauthorized purchases of {$900.00}, {$870.00} and {$870.00}. 
This transactions was made online and purchased in a different state, as it it is now I spend a lot time for an explanation because after that my credit card balance is all the way to the top ever since those unauthorized transactions happened. 
And Im still getting unauthorized purchases. 
Last unauthorized purchases happen XX/XX/23 {$500.00} and XXXX more same day {$150.00}
Product: Bank account or service

I made purchases after my direct deposit was made available but keybank put these transactions through prior to making my deposit available causing me to incur 4 overdraft charges and will not refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Transunion XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction
Product: Student loan

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information, as it pertains to the accurate reporting of my financial obligations. Please provide me with the requested documents within 15 days, per Section 609 of the FCRA. Should you fail to produce the Original Instrument of Indebtedness and Promissory Note, REMOVE this account from my credit report. 

Failure to comply with this request may be considered a violation of the FCRA and could subject you to legal liability. I trust that you will handle this request with the utmost professionalism and promptness.
Product: Debt collection

I had a debt balance with XXXXXXXX XXXX credit for {$3000.00}. This account was opened on XX/XX/2015. The debt was bought by XXXX XXXX XXXX. The debt was purchased by First Portfolio Ventures I LLC. I received a summons from First Portfolio Ventures I LLC demanding {$3000.00}. I requested a copy of the original contract with my signature from creditor. I never received this requested information. The debt buyer provided me bogus documentation with no dates included of the the signed CEO documents. I have asked the debt buyer to prove that this debt with proof and have not received. I want the debt buyer to prove that they were given legal rights to collect the debt on behalf of XXXX XXXX XXXX.