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

I have been charged for an item that I never received from the XXXX XXXX. I advised XXXX that my item never arrived and that the tracking number showed it was delivered to a different location in a completely different state. XXXX told me that they would investigate further into the matter and I have reached out to them many times. I just kept getting the run-around and no response, and now they report late charges to my credit report. This is hurting my ability to buy a home and to seek new employment opportunities. XXXX needs to remove those late payments from my credit report, for a product that I didn't receive due to their negligence. I contact XXXX and they send me to Comenity, I contact Comenity and they send me to XXXX, the whole thing is a charade.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX  is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response. 

This information being reported to my consumer report is in violation of 15 USC 1681. 

I have the right to privacy and have not given written consent for this misinformation to be reported. 

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card way back in XXXX  card closed charge off paid that bill now resurgent bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that resurgent credit one card off my report credit limit was only XXXX XXXX this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting Act XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and Experian are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

This is my 7th 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. 
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
Product: Mortgage

I was in a forberance contacted the mortage company to let them know i was ready to resume payments and would like to do payment plan on the past due. i received a letter from them said i was eligible for a modification and i would be receiving something with in 30 days. I waited and received nothing so i called again. they said they had nothing on modification. so i submitted application for assistance again. they said i was eligible again would receive something, nothing came. so i again submitted application. now they are threatening forclosure and i have done everything they asked. even tried to send payment that was rejected.
Product: Vehicle loan or lease

After reading about the XXXX XXXX scandal involving adding insurance to auto loans that duplicates personal coverage I decided to take a closer look at my Huntington Bank auto loan and confirmed the same " Single Interest Insurance '' charge of {$40.00} on my loan which was originated at the XXXX XXXX dealership. This was added despite my showing proof of insurance at the time of vehicle purchase and adding Huntington as a Lien Holder on the policy per dealer instructions. The vehicle has been continually insured with collision and comprehensive coverage since the time of purchase and I have records confirming such ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX debt amount {$100.00} XXXX XXXX XXXXXXXX debt amount {$930.00} XXXX XXXX XXXX XXXX debt amount {$100.00} 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish an account without written consent.
Product: Mortgage

Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and fraudulent information reported by XXXX XXXX XXXX on my credit report under account number XXXX. Despite providing all necessary documents to prove this account is fraudulent, it continues to remain on my report. I request the immediate removal of this account from my credit report to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks
Product: Credit reporting or other personal consumer reports

The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!
Product: Mortgage

1. The Filed Complaint.XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They D'ont Have Legal Title XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX Mortgage Servicer, Shellpoint Mortgage do not have the right to assign the Mortgage. The XXXX XXXX  's complaint states that it is an Illegal Assignment. Why are they being permitted to foreclose on my home. SEE ATTACHED Filed Complaint XXXX. Predatory & Fraudulent Loan Modification=No Credit for Mortgage Payments for 2 Years! 

XXXX XXXX XXXXXXXX offered the XXXX XXXX XXXX and kept the XXXX going for over 2 years! Although the payments were being made, my account did not receive credit. As per their Bank Register, the payments were posted as MISC Postings and did not post to my actual account. They treated it as some type of suspense because my principal balance did not move XXXX XXXX. SEE XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$150000.00} to Mortgage XXXX XXXX  XXXX XXXX XXXX my mortgage payments and did not give me credit for them. They added over {$150000.00} to my mortgage balance and denied my loan modification. I truly believed that because I was XXXX, they proceeded to commit the crime and denied my loan. They had told me that I may qualify for a principal reduction from the Department of Justice and later said that i didn't qualify. SEE ATTACHED LETTER from XXXX  The Bank Representative contacted me after I made my XXXX of 3 months XXXX  payments XX/XX/XXXX, XXXX, XX/XX/XXXX of {$2100.00} and told me that they had made a mistake in calculations. At 2 % my payments were suppose to be {$1800.00}. She said that they would credit my next months payment and to pay the difference then continue with making the {$1800.00} payment. The abuse went on for over 2 years! They added the money to my balance as per their letter then XXXX became the mortgage Servicer. 

XXXX. XXXX XXXX XXXX XXXX, added to Principal Balance and Created a Deferred Balloon Payment! They completed the XXXX loan modification in 3 months at 2 %. Payments {$1800.00}. SEE ATTACHED Letter from XXXX I purchased my home in XXXX for {$350000.00} and put {$270000.00} down. I refinanced with other lenders. I refinanced with XXXX in XXXX. They went out of Business then I received noticed 2 months later that I would be making my payments to XXXX. 

I believe that my mortgage should be canceled. Penalties and damage payments should be made to me because of the fraud, predatory and discriminatory practices. Having been a Realtor for over 25 Years, this was a major default and embarrassment to me and my family. I had to pay a lot of money to fight the foreclosure that was fraudulently trying to include my adjacent lot. I had to file Bankruptcy to stop the foreclosure of this Illegal Mortgage and further damage my credit. The gross mortgage balance being reported on my credit report since XXXX was pure evil. Something most be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The year XX/XX/XXXX-XX/XX/XXXX Dept of Education paid {$9400.00} to XXXX XXXX College. At the time this school has been convicted of committing Fraudulent activity. At the same time I attended XXXX XXXX College someone in there Financial aid department received a pell grant from XXXX XXXX OF XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NV XXXX-XXXX. When it was brought to my attention I automatically applied for Loan  forgiveness with XXXX XXXX  on XX/XX/XXXX ( my application number is XXXX ) which is still pending I was also informed to notify my loan services Great Lakes Borrower and they did nothing about it. I told them I was a victim of fraud through an institution who was shut down due to fraud and they are still trying to hold me accountable for XXXX plus interest. I have disputed this and reached out to them several times and nothing. I even provided them with the XXXX XXXX of XXXX number and address and it was phony too. My loan serviced did nothing even XXXX XXXX still has my application as pending because it is being investigated!
Product: Checking or savings account

XXXX XXXX XXXX that we did not stay in due to violations of the airbnb policy upon arrival, we never stayed at the XXXX XXXX we left XXXX minutes after arriving due to inhumane circumstances. I have documentation to back this up. I file for a dispute because I never received the service I paid for.I filed for the dispute in XXXX of XXXX. XXXX was failure of consideration, not functioning, bug infested in the. Beds, sheets dirty, floors dirty, blinds broken in privacy rooms, The XXXX was not clean and livable for nobody to stay in. False advertisement in the description and listing of the XXXX, no smoke alarms. Theres more but everything I listed was in violation of the XXXX. My family and I had to leave after tiredness of driving many hours to get there to turn around and drive around until XXXX. to find a hotel to sleep in. The XXXX  listing was very deceptive. The business was deceptive and unfair and as a consumer I have my rights to dispute for services I never received.From my understanding the owner of the airbnb and the company conducted false, misleading and illegal business practices. Section 75-24-5, Mississippi Code of 1972, is brought forward as follows : XXXX. ( XXXX ) Unfair methods of competition affecting commerce and unfair or deceptive trade practices in or affecting commerce are prohibited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the Federal Law by willfully not complying with the FCRA. XX/XX/XXXX - Notarized correspondence sent certified receipt to inform Equifax of inaccurate and incomplete information within my consumer report. I requested verifiable proof such as contracts with my signature and who they spoke with and the documents they used to verified the alleged information within my consumer report. XX/XX/XXXX - Conformation # XXXX letter from Equifax states they verified information with original creditor furnisher of information. They sent some general statement about using an electronic system to verify information. XX/XX/XXXX - Another notarized correspondence sent certified mail requesting documentation and persons they spoke with to verify inaccurate information. Equifax did not provide any verifiable proof again and with a willful spirit to overlook the Federal Law when it come to reporting Public Records ( i.e. Bankruptcy ), Equifax falsely stated they verified a bankruptcy within my consumer report with the Federal Court ( TN ). XX/XX/XXXX - I sent a correspondence to the TN Federal Court requesting if they communicate and/or verify information via phone, fax or email. XX/XX/XXXX - I received a correspondence from the Federal Court ( TN ) that states they do not communicate or verify information with third party bureaus. XX/XX/XXXX - Conformation # XXXX letter from Equifax states again the inaccurate information has been verified. THIS IS A CLEAR VIOLATION OF MY RIGHTS AND THE FEDERAL LAW. I also have a Security Freeze on other bureaus that Equifax claims to verify information through such as XXXX. The egregious errors are continually defaming my character in the financial market.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Citicards CBNA Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX XXXX  before the payment due date. 


EQUIFAX 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 XXXX XXXX  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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligations under fair credit report act to conduct a reasonable investigation of disputed information credit report, leaving inaccurate or unverifiable account unresolved the consumer financial protection bureau has recently filed a lawsuit to get to experience alleging systemic issues such as Failing to forward, consumer provided evidence to furnishes accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected nor removed Disputed items despite the evidence I provided causing ongoing harm to my credit. I am requesting immediate corrective action, or I mean the disputed accounts.as Experians inaction violates federal laws and my rights as a consumer
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Opted-out third party reporting & Credit Reporting Updates XXXX XXXX XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment