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

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

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

I was dropped XXXX points and marked late incorrectly. I spoke with XXXX  XXXX and they sent me statements and a letter of proof that it wasn't their fault. I need this corrected immediately if not done by 30 days I will have to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

this document proves that barclays bank was removed.
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 Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX - # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX 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 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

XXXX XX/XX/XXXX mailed a to XXXX XXXX and Transunion regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Previous address : XXXXXX/XX/XXXX, XXXX,XX/XX/XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below :XX/XX/XXXX XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately. 



I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX
Product: Debt collection

Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.
Product: Credit reporting or other personal consumer reports

Just earlier this week, my credit score was around XXXX. I woke up around the XXXX of XXXX, XXXX, and it was a XXXX. 

There is nothing that shows differently on my report today than it showed for the past few months. Why another huge reduction to my score? 

Plus, there is a closed account showing it was paid off in 7 months ( XXXX ). XXXX also show my score drastically drop XXXX points. Why did either ( XXXX, XXXX, and Experian ) drop my score? I have 100 % on time payments, never had a late payment, oldest credit line is 4 years. Why keep doing this to my credit?
Product: Checking or savings account

Someone used my card online for XXXX I went to the bank called the bank things still havent been resolved XXXX was still not counted for and was never returned to me even after I spoke to some in the corporate office I was told this process would only take 30 days still have seen the money come back to my account
Product: Debt collection

I received a phone call from XXXX XXXX XXXX XXXX today while I was at work. She was crying because she stated that someone from FCO called and threatened to take her to court over a debt with XXXX XXXX XXXX XXXX in XXXX, SC. I lived their and she co-signed for me because my credit was not good enough. I had communicated with the apartment property manager in an email that I would make payment arrangements when I am able to. I was out of work for 3 months due to being diagnosed with a XXXX XXXX and I was not receiving a paycheck. I moved out when my lease ended and it left a balance. I was not able to pay because I was not getting a check and I was denied unemployment. They have not sent me a letter in the mail or tried to contact me. They contacted my mom and they threatened her. These tactics should not have been used and they should have tried to contact me in writing or call me. The apartment complex had my phone. 

The apartment complex new that I was on XXXX XXXX I communicated with them over and over when I was living their that I was diagnosed with XXXX XXXX, I wasn't working, and I was getting a pay check. I even told them that I was denied unemployment. They kept threatening me with eviction notices. They were never kind enough to help or give me a break. The send nasty emails and basically all they could say is I am sorry that you are going through this. It was very stress and caused a lot of XXXX XXXX and stress.
Product: Mortgage

LET ME START BY SAYING XXXXLakeview has the worst customer service ever!!! Just read the customer reviews or complaints online!!! I was hung up on and treated with disrespect. I was on the phone for hours on hold and explaining my issues, being transferred to escalation and repeating my issues and getting the same poor service. In a nutshell, my taxes got messed up with the county so my escrow was running short each month, I sent in my mortgage payments. They, however, keep saying I'm late and its in forbearance. It is not in forbearance I have made over XXXX timely payments of XXXX sense going out of forbearance!! So when I made XXXX payments of XXXX in XXXX  month the e-checks had the month and dates on the e-check for the months the payments were due for. XXXX took one of the XXXX dollar payments and put it in my escrow instead of making my monthly payment. Therefore making me late in the month of XX/XX/XXXX '. That e-check should not have been cashed for anything but what it was intended for, that being my mortgage payment!!! So as a result XXXX sent in a late payment status to my credit bureau bringing my XXXX XXXX down over XXXX. This also was told to me by XXXX it would be removed and taken off my credit, it is not!!! Lastly Loancare/Lakeview knows XXXX am trying to refinance my mortgage with another company and I feel they are not doing what they promised to myself to keep my mortgage with them. My last recourse will be to turn this over to my attorney XXXX XXXX Attorney XXXX XXXX. I have all my bank statements to back me up for each and every payment I have made on time to XXXX!!! My bank statements will show I am correct and all this nonsense should be cleared up!! Thanks to all this I have lost the interest rate I had locked in and my application has expired for my refinance!! This in i'ts self will be a law suit. I would also like to add My mortgage payment is not even XXXX a month it is XXXX so I am over paying on it each month. The last XXXX persons that said they would fix the problems are XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX BOTH HAVE NEVER GOT BACK TO ME EITHER!!! SIGNED A VERY UPSET CUSTOMER AND I HIGHLY RECOMMEND CONSUMERS DO BUSINESS ELSEWHERE!!!! THIS COMPANY STINKS!!!!!!!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9300.00}.
Product: Credit reporting or other personal consumer reports

I have a {$220.00} collections on my credit report for a service I did not order at a location I have never lived. XX/XX/year> it started. XXXX XXXX XXXX is trying to collect for a company called XXXX. Apparently, someone used my SS # to order internet service in a small town in XXXX California. I live in XXXX California for the past 30 years and have never lived in XXXX California. The Service said that because my SS # and my date of birth was used to open the account there was nothing they could do and the debt would remain. This is fraud and I would love a little help getting it my credit reports. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has added an unwanted lock or security freeze of some kind to my report without my knowledge or consent. I have reached out to Experian several times over the last few months attempting to unlock my credit report and they have offered me little to no solution each time claiming that my report is not locked and they have already resolved the issue. This is not the case because I can not access my report to apply for new credit. I have been trying to apply for an apartment since XXXX but can not get approved because my report is locked!
Product: Mortgage

This is an addition to the previous complaint # XXXX : After begging Ocwen for a Short Sale package they finally did, however it took 2 days to send the documents. However there is concern of FRAUD from Ocwen. Here are the details. 
1.The XXXX system they use would not allow me to see the documents, because I needed an email from them to activate the account. 
2. I advised Ocwen of this, and they said they would put a package in the mail and would also send the documents thru their company e-mail. 
3.At XXXX XXXX and 2 days later, I received the company e-mail with the XXXX page document attachment. 
4. Amazingly, after I received the document, the XXXX, security activation e-mail came thru. ( 2 days later as well ) 5.I went to my bank to fill the paperwork out and the bank ( XXXX XXXX ) faxed the package. Ocwen said they did n't receive it. 
I asked for another fax number and I got, Rep # XXXX, and faxed the second time, from the same bank, to Attention XXXX and she said she would call when she received it, it was her direct fax line.She never called. 
6. Yesterday, I called and verified that it was there with rep # XXXX and he said they did receive the XXXX page package from the bank. 
7. Here is the potential FRAUD, page XXXX, income information. 
a.On the documents sent by Ocwen, page XXXX ( income page ) it has my spouse salary as XXXX a month and my weeky salary at XXXX. These numbers were already filled in by Ocwen. These figures are incorrect and these figures HAVE NEVER BEEN THIS AMOUNT! 
b. On the " secure documents from XXXX '' the salaries were increased amounts, his was XXXX per month and mine was XXXX per week! 
c. On yesterday, I received the mailed package and, page was completely empty, no salaries were listed. 

Note : I have been dealing with this kind of problem for several years. I originally wanted to keep my house. At this point, I want to get a reduction on all of the inflated fees on the mortgage, and the ability to avoid foreclosure and complete a short sale my home and receive a relocation package. My spouse is a Veteran and served his country faithfully, both of us have worked hard and I still do, we just want to be treated fairly and Ocwen has not done it. 
It appears they just want to foreclose XXXX XXXX by any means necessary. Your help is very much appreciated in this matter.
Product: Debt collection

On XX/XX/XXXX, Santander sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX to my house and repossessed my XXXX XXXX XXXX XXXX vin number XXXX in violation of The statute of limitations is Collection of Debt on Account 3 yrs. Civ. Code 3494 ( 4 ) has passed on the debt. Please read the previous complaint filed in XXXX and other previous complaints regarding this issue. My son has no way to get to work. all our belongings are in the car he will lose his job. They have continued to harass me by sending random people at all hours of the night on my property scaring me because I do not know who they are and they do not identify themselves. Santander was made aware of this in XXXX of XXXX in the previous complaint .santander charged it off on the credit report and stated in court papers they no longer want the vehicle
Product: Debt collection

A few months ago I sent the company a request for validation to provide me with documents from the original creditor to validate a seemingly dubious debt they had reported on my credit report. The company responded back stating they are not liable to provide me with documents from the original creditor and merely sent me a letter asking them to payoff the account ( see attached response from company ). This is a violation of the FDCPA, since it is apparent that no such debt is due, otherwise they could have provided me with the validation documents I requested..
Product: Mortgage

I called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to advise them that I recently was laid off and needed assistance with my mortgage. I asked for an unemployment plan but was advised that I qualified for a partial claim. I as told to give them 30 days to review my loan, I said ok. I was sent partial paper work around the XXXX XXXX XXXX which I signed and returned. My new payment was suppose to start XX/XX/XXXXXXXX XXXX XXXX  about {$1500.00} and some change. I called numerous times to advise that the partial claim was sent and to see willing it wis take to be updated I kept getting several different answers. In my numerous calls I kept asking about my loan being current and XXXX payment being due XX/XX/XXXX and I was td that was correct. XXXX comes and the system still shows me due for XX/XX/XXXX. I was told several different things that it takes 30-90 days to fix my account. I have been in mortgage servicing over 15 years in Complaints so already know the horror stories with the mishandling of loans this is why I stayed adamant with calling. I ended pay my XX/XX/XXXX payment even though the system was not updated. I called on XX/XX/XXXX. XXXX and spoke with XXXX to try to see what was going because the account still showed past due. She then advised me that I need to pay XXXX XXXX XXXX XXXX  payments before the partial claim would be implemented in the system. I advised her that I was wasnt on a trial modification I was approved for and signed a Partial Claim and that did not come with a trial period. She insisted on the trial so I said ok because the situation already was stressing me out. Fast forward to today. I log into the system and it says I am due for XX/XX/XXXX payment, which I already paid on like the XXXX XXXX XXXX This whole process has been a mess and I stayed in contact because I already Loancare doesnt ever do things correctly. I worked for their subservicer and handled complaints for them regarding these same issues. Now my account is behind and the whole point of the Partial Claim was to have me current. Please have someone review this and correct my account. I just finally started back work a few weeks ago and I am still in a financial situation because of the mishandling of my loan.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

I am a military service member and customer of the Military Star Card exchange credit program. I am stationed in Louisiana and by law under the Louisiana Servicemember Civil Relief Act law RS 29:312, they may only charge me at a maximum interest rate of 6 % while stationed here. Military Star Card has been charging me 11.99-12.49 % and I have been in Louisiana since XXXX XXXX, XXXX. They were notified and they refunded me interest over 6 % in the total of {$200.00} from XXXX of XXXX until XXXX of XXXX and then they put me back at 11.99 % APR. They were supposed to refund all the way back to XXXX of XXXX and leave me at 6 % APR until I transfer from Louisiana to another base in XXXX of XXXX when my orders are up for rotation. Military Star Card attributed it to saying that under the XXXX system I am listed working for the XXXX XXXX. That is correct, but I am not a XXXX  XXXX who only works one weekend a month and two weeks a year. I work 365 days a year and train XXXX when they are on orders or drills. The XXXX XXXX is made up of different departments. One of those is FTS ( Full Time Support ) which used to be known as TAR ( Training and Administration of Reserves ). Our department has the same retirement and benefits as the XXXX XXXX XXXX. On XXXX reports it shows me as being under the XXXX XXXX but under my ACTIVE Status it states " Still Serving ''. I provided Military Star Card with copies of my orders to Louisiana that shows my report date and next PRD ( Periodic Rotation Date ) plus my leave and earnings statement showing what zip code I am stationed at and that I am active and I also sent them a copy of the Louisiana SCRA. They are still refusing to comply and are in violation of LA law. I am disappointed that a company that deals explicitly with military members has such low regard for our well being and compliance with our benefits. How many others have similar state and federal benefits that are not being complied with? How much money has MSC overcharge these service members?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX, and XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX and XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of Ohio. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data.

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX XXXX XXXX is licensed to collect debts in Ohio. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a close account with XXXX bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. XXXX wired my IRS refund to Amsher collection services and they took my refund. It was {$5400.00}