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

n accordance with the Fair Credit Reporting act ( XXXX Account number XXXX ) ( XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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
Product: Debt collection

I have stolen identity for about XXXX years and its been rotated in the state of Texas. Recently inquiries has been added onto my credit report more than XXXX I believe also there is an energy bill that is in my name in Texas. Thats now on my credit report, Im working with the company to get it removed. I also did a police report, and they told me that it would take 30 days for them to resolve this issue. I have got leases apartments off. All has occurred in the state of Texas. The information that the company just receipt gave to me was a phone number that I had that whoever the thief is is currently still using or has used, it even has affected me with the gambling sites XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok to start forever I've wondered why I couldn't check my credit. ( I still have trouble with eqiufax and XXXX XXXX. So, I applied for a loan and was rejected so I began investigating and found out that all 3 credit agencies had either wrong XXXX and equifax had me with 2 social security numbers 1 correct 1 not and XXXX XXXX had only 1 the wrong 1. XXXX fixed the ss # issue immediately while eqiufax claimed they didn't have it wrong. Yet I was logged in and watched them change it and XXXX XXXX flat refused to fix it unless I further risk Id fraud by mailing them copies of my personal information. There were also several addresses on my file that didn't belong to me so.someone messed my credit up and I can't prove XXXX and the credit agencies don't give a XXXX to try to fix it on top of it I applied for a single loan and have like 500 credit inquires hit all around the same XXXX time and I can't even report it to eqiufax or XXXX XXXX becase they really done give a XXXX to help me sort it out
Product: Student loan

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting different data across all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a charged off credit card account that I had with them. I asked them to verify the debt and stated that upon verification I would be happy to settle the account if in fact the status and amount owed were correct. They never verified the account. Instead I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX offering a settlement of the account for {$270.00} of the supposed {$410.00} owed. At the time I did not take the offer because XXXX XXXX never verified the accounts validity. On XX/XX/XXXX I received a phone call at my parents house ( still not sure how they got their number as I never provided it but am a XXXX ) stating that they wanted payment of {$330.00} to resolve the account right then. I asked if I paid this amount would they delete the account from my credit report and they stated no but that it would update as settled to the credit bureaus. I took them up on the offer because I wanted to be done with this company and my wife and I are trying to improve credit scores to build a house. Upon checking my credit report in XX/XX/XXXX they did update the information however it still shows as charged off and reflects a balance still of {$83.00}.
Product: Credit card or prepaid card

This is in reference to my Military Star Card, Acct # ending XXXX XXXX, this Card is only for individual who can us the Post Exchange and Commissary on Military Bases. I not only concerned for myself but other Military Personnel and their FAMILIES. I was told the rate can go up every month along with the Federal Reserve, that can create financial hardships. This feels like an attack. My balance is very high but I have an excellent payment history. I have already sent an email to the Company, I will attach a copy and the response. They have replied very confusing, so I called was given and explanation from a Customer Service Representative that was not what was written in the email. I have called them 3 times to the best of my knowledge and have been given several different explanations. My INTEREST RATE continues to climb for the last four months, why? 

Here is the Breakdown : XXXX XXXX XXXX payment {$110.00}, XXXX XXXX payment {$120.00}, XXXX XXXX XXXX payment {$170.00} and XXXX 14.99 % payment {$180.00} I am very willing to pay FAIR DEBT, this card has been a big help to the Military Communities, it has provided food for me and many times, and shelter, traveling expenses, I pray that continues, thank you for what you do for Military Families and XXXX Bless. 

Note : I am having problems sending my XXXX but i will call for help tomorrow, your currently closed.
Product: Credit reporting or other personal consumer reports

Identity Theft! I recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this. XXXX, XXXX and XXXX of XXXX I had missed payments resulting in affects to my credit reports on all 3 bureaus. I missed these payments due to being XXXX to XXXX on XXXX XXXX military status. I requested a goodwill forgiveness for the missed payments and it was granted on XXXX only. I am pleading with you to remove the missed payments and the deragtory remarks on all 3 credit bureaus, as I am trying to fix my credit to buy a house now that I am medically XXXX  from the XXXX. Please consider changing the status of missed payments as a goodwill gesture as I have never missed a payment aside from these 3.
Product: Credit card or prepaid card

Currently, I'm going through a home refinance. Upon review of my credit information, I was advised by my lender that my XXXX 's account serviced through Wells Fargo was reporting negatively. On XX/XX/XXXX, I reached out to XXXX XXXX customer service and was advised that my account had been charged off on/or around XX/XX/XXXX. Based on the information I was advised during that call, it was due to me failing to make a payment on/before XX/XX/XXXX. 
I purchased a pair of shoes and unfortunately did not receive them in time for a trip I had planned so I returned them on XX/XX/XXXX. This was and had been the only transaction on my account in a year. During the conversation with the representative on XX/XX/XXXX, I was advised that I would have still needed to make a payment by the due date even though the item was returned and then any excess amount would have been later credited back. I attempted to return the shoes on XX/XX/XXXX, however this is one of the stores busiest times of the year for their XXXX XXXX sale and I was unable to get in to return them. 
Throughout the this timeframe, XX/XX/XXXX through XX/XX/XXXX I had not received any correspondence ( Statements ) or phone calls ( Collection attempts ) advising of an amount owed. During the conversation, the representative confirmed that records displayed the last outbound phone call to me was in XXXX of the 2020 year and that she did not know why no calls had not been attempted to collect on the balance owed. Per the representative, the only transaction amount that was due once the return was processed was the late fee for not paying by XX/XX/XXXX and the associated interest. 
It is not until just this past weekend, XXXX XXXX XXXX or shortly prior that I have received a statement stating I have an amount owed of XXXX due on XX/XX/XXXX and another letter ( dated XX/XX/XXXX ) stating my XXXX XXXX account has been closed due to terms violation. 
Had I received statements or even a phone call to notify me of the amount due, I could have made a payment to cover the amount, preventing from the account reporting negatively to the credit bureau and ultimately being charged off over a late payment fee and interest.
Product: Debt collection

I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : Credit Acceptance Account Date : XX/XX/XXXX Account Name : Premier XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Bankruptcy XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Medical Commercial Audit Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Mortgage

Prior to this, the payments had always been made. 
I am a widow. 
All this happened when my husband passed away after a long term battle with XXXX and a strange XXXX that he acquired at the hospital which caused his XXXX to fail. There was no CoViD testing at the time. I lived in the hospital for over 3 months in his final day. He was going to die in the hospital. We came home on Friday and he passed on Monday XXXX week. 
The lender has refused to acknowledge the payments and make sure my payments were reported in my name at the CBR. 
A modification was turned down without me knowing. 
I paid someone to assist me and nothing was done. 
I am a senior citizen. 
I keep being asked for a profit and loss which I have none. 
The house has been falling apart. 
The HVAC unit had to be replaced, the walls repaired, the light fixtures. 
I had a woman that took advantage of my state of mind when I was staying with my daughter since my husband passed away at my house. She was to assist with bills and maintained and she did none of that. She changed the mailbox key. I wasn't getting my mail and notifications. She was supposed to assist with the financial aspect of the property. 
I was never served in a timely manner. The woman was served and never informed me. It was a mess. 
The lender is making me sale my property vs providing a stipulation agreement. When the account was {$14000.00} behind, the lender refused to mitigate. They prayed on my vulnerability and try to squeeze any equity of the home. 
The lender know that I am on fixed income since my husband passed. My monthly social security is {$1300.00}. I have to pay to pay own health insurance. 
The lender could have : A repayment agreement with an escrow shortage spread of 60 months A Forbearance A Deferment A Recast An Extension A Modification An assumption Accept a Payment and complete a deferral... 

NO ... .The lender decided to pray on a XXXX  widow with a XXXX XXXX during CoVID and referred it to an attorney to charge extra and just take money from wherever. 

Then I was advantage by another man who you were allowing to make decisions on an account that you will not allow to assume. 

I have the letters that I have sent. I sent the financial statements. 
I worked for XXXX XXXX and CoVID has impacted me financially. 

The maturity is is XXXX... the lender could have completed a modification lowering the interest and completed a recast so that I may live and die where my husband, who I met since I was 18 years of age, lived and died. 

But no, I have been taken advantage. I have paid people to assist me when I could not think for myself. 

The lender does not care... saw that equity would be used to pay however many blindly hours the attorney bills and get my out of my home. 

A squatter was served. 

No Mediation was ever scheduled. 

A Special Point Of Contact was never really assigned to me .... Nobody answers. I've been on hold forever, the person is longer the department, no longer in the company. 

I have physically gone to a Wells Fargo bank to fax the documents since they continue to deny the receipt of my loss mitigation package / documents.
Product: Debt collection

Recently I checked my credit report for the first time in a year and I was astonished to realize all of the fraudulent accounts that had appeared on my credit report. Sadly, I am a victim of identity theft. LVNV Funding and XXXX XXXX was one of them. I have never ever entered a consumer credit transaction with LVNV Funding LLC or XXXX XXXX XXXX  XXXX XXXX. Attached down below is my request for full material disclosure and debt validation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame.
Product: Debt collection

XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers.

I called Commonwealth XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
Commonwealth and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud. 
I'm pretty sure Commonwealth does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
Product: Credit reporting or other personal consumer reports

DISCOVER IS REPORTING INACCURATE INFORMATION ON MY REPORT. DISCOVER IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, XXXX  FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO DISCOVER. IF DISCOVER CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX XXXX XXXX IS VIOLATING MY RIGHTS. DELETE THIS ACCOUNT XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you today in accordance with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), which emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. 

In alignment with this right to privacy, as supported by 15 USC 6801, it is my prerogative to ensure that my private information is not shared. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) delineates that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. As such, it is imperative for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as specified in section 1681b. 

Regrettably, my recent examination of my credit report has revealed instances where reasonable procedures may not be adequately maintained by XXXX, XXXX and Experian. In adherence to the rights afforded by 12 CFR 1016.7, I am hereby exercising my right to opt out at this time.

I kindly request the removal of the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Request : Please delete this account and any similar accounts from my credit report. 

XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX XXXX Account Number : XXXX Request : Please delete this account from my credit report. 
XXXX XXXX Account Number : XXXX Request : Kindly remove this account from my credit report. 

XXXX Account Number : XXXX Request : Please eliminate this inaccurate information from my credit report. 
I appreciate your prompt attention to this matter and the timely removal of the specified accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email First thanks a XXXX to XXXX XXXX and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX bank line of credit, XXXX card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as Experian you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX dose not have my XXXX bank line of credit on there as well.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Experian : After checking my credit report today I had noticed 8 XXXX XXXX  accounts being reported as " OPEN ''. These accounts are closed, the creditor had reported them as " closed '' and it appears as if they where reported again as " Open. '' Further, the total balances on XXXX XXXX student loans are reported inaccurately. I am asking you to contact XXXX XXXX and correct my credit report. The 8 accounts are closed. 

thank You for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my TransUnion credit file. I have contacted TransUnion several times concerning this matter and I keep getting told that my credit profile is suppressed and that someone will contact me to have this issue resolved. I am being denied the pursuit of home ownership, job advancement and other opportunities that require the use of my TransUnion credit profile. I am requesting someone look into this matter so that I may have access to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX/DEPT OF ED acct # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX acct # 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 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