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

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, TransUnion, XXXX, and XXXX regarding account XXXX XXXX XXXX Account Number XXXX. And to TransUnion again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from XXXX with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from TransUnion that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from Equifax, they couldn't even be bothered to respond.

I just pulled another copy of my credit reports and it is still showing these inaccuracies.

15 U.S.C. q681s-2 ( A ) ( * ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my ... would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary ... life on top of hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was not an option for this in its entirety, so please see below : I received a call from Credence Resource Management , LLC referring to a debt I have no acknowledgment of, other than the fact that a different collection agency recently, illegally added the account to my credit report. It has since been removed after disputing the account for 1. not belonging to me 2. not following FDCPA New Regulation F.

I explained this information to the male who called me from Credence Resource Management , LLC and advised him that his company most likely purchased bad information. He became upset with me when I asked for him to mail me the information he had on the account, and to ensure the information he sends adheres to the New Regulation F guidelines.

Following, he said, " No, I'll just report it as fraud. Have a good day. '' and disconnected the call. Within a couple minutes, I received an alert from XXXX, notifying me that a fraud alert was placed on my XXXX report. I never requested this, nor did I say I was a victim of fraud. Now I am having to spend time trying to repair this issue so it does not negatively impact other businesses I am engaged in.
Product: Mortgage

EARLY PART OF XX/XX/XXXX, I RECIEVED A LETTER FROM SECURE ONE CAPITAL INVITING ME TO PARTICIPATE IN A REFINANCE. MY LOAN OFFICER WAS XXXX XXXX XXXX # XXXX SECURE ONE CAPITAL NMLS # XXXX. 

HER PHONE NUMBER IS XXXX XXXX XXXX. XXXX XXXX ASSURED ME SHE WOULD WORK WITH MY FINANCIAL PROFILE TO SEEK THE BEST POSSIBLE SOLUTION. I HONESTELY BELIVED HER. ON XX/XX/XXXX I WAS ASKED TO SIGN A WET BORROWERS AUTHORIZATION, THIS FORM WAS TO ASK MY CURRENT MORTGAGE LENDER XXXXXX/XX/XXXX FOR A MORTGAGE PAYOFF. 

I SIGNED THIS FORM AND RETURNED IT TO XXXX XXXX TO PROVIDE TO XXXX XXXX XXXX TITLE IS THE OPENER ). XX/XX/XXXX, I FINALY HEARD FROM XXXX XXXX INFORMING ME THEY WERE WAITING ON THE APPRAISAL TO COMEBACK AND THEN WE WOULD GO INTO PROCESSING AND UNDERWRITING AND CLOSING. ON, XX/XX/XXXX XXXX XXXX EMAILED ME AGAIN ASKING FOR MORE INFORMATION, XXXX XXXX AND THE W2 FROM XXXX, SO THEY COULD FINISH UP THE UNDERWRITING. I SENT THIS INFORMATION ON THE SAME DATE. 

RECENTLY XXXX XXXX CONTACTED ME AND INFORMED ME THE UNDERWRITING WAS SUSPENED UNTIL UNDERWRITING COULD REVIEW MY DEBT TO INCOME RATION FOR ANY ADJUSTMENTS. I FOUND THIS QUESTIONALE SINCE XXXX XXXX HAS BEEN IN CONTROL OF MY REFINANCE, I DONT KNOW WHAT SHE SUBMITTED TO UNDERWRITING NOR HAVE I SEEN ANY SECURE ONE WEBSITE INFORMATION ON MY LOAN PROCESS. SHE NEVER OFFERED ME ANY VIRTUAL TOUR OF HOW THIS PROCESS IS HANDLED BY SECURE ONE CAPITAL. 

EVERYONE KNOWS WHEN A REFIANNCE TAKES PLACE, THE CONSUMER SHOULD BE ABLE TO TRACK THE PROGRESS OF THE TRANSACTION VIA THE LENDER WEBSITE. I THEN RECIEVED MY HOMEOWNERS INSURANCE POLICY, SHOWING WHERE MY MORTAGEE WAS CHANGED TO SECURE ONE CAPITAL. HOW IN THE XXXX DID THIS HAPPEN WHEN MY LOAN IS SUSPENED WITH UNDERWRIITNG, MY HOMEOWNERS INSURANCE CO IS KNOW ASKING FOR {$4300.00} DUE BY XX/XX/XXXX ... NO ONE WAS AUTHORIZED TO CHANGE MY MORTGAGEE UNTIL THE REFINANCE IS PROCESSED AND CLOSING TAKES PLACE. 

SECURE ONE FURTHER SOLD MY INFORMATION AND NOW I AL GETTING SCAM CALLS CONSTANTLY. THS MATTER NEEDS TO BE CORRECTED AND I WANT A TELEPHONE CONFERENCE WITH SECURE ONE CAPITAL IMMEDIATELY TO CLEAR THIS DIBOCAL.
Product: Credit reporting or other personal consumer reports

I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked fico score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith 100 percent payments made on time for everything and show that my debt to income ratio is accurate.
Product: Mortgage

My original loan amount was {$240000.00}. The following payments were made to XXXX before my loan was transferred to M & T Bank. 

{$1300.00} on XX/XX/2021 {$1300.00} on XX/XX/2021 for principal only {$1300.00} on XX/XX/2021 for principal only The last balance shown was {$240000.00}. 

Payments to M & T were as follows... 

{$500.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$850.00} on XX/XX/2021 for principal only ***Bank statement attached*** {$1300.00} on XX/XX/2021 for principal only ***Bank statement attached*** M & T Bank statement dated XX/XX/2021 should have reflected an Outstanding Principal balance of {$230000.00} instead of {$240000.00}.
Product: Debt collection

I was evicted from my XXXX XXXX XXXX in XXXX XXXX in XXXX of 2013. I was not contacted by the apartment staff for payment of fees incurring because of eviction. I received a call from Hunter Warfield Collections Agency about XXXX weeks later. Hunter Warfield stated I owed them a {$2500.00} payment which was debt sold to them from XXXX XXXX XXXX. I immediately asked for written notification and an itemized bill. They agreed to send the information. I never received written notification or an itemized bill. I followed up with the apartment complex to find out exactly what was going on. The apartment complex said they notified me via mail. They sent the notification letter to the address I was evicted from so I had no way of receiving the mail. Also, I had all mail forwarded to my new address in XXXX XXXX. I did not receive any written notification from either party with a description of the fees I owed. The debt has since negatively affected my credit rating. I have still not received any written information from the credit agency or the apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is now being reported again
Product: Credit reporting

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Equifax continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Equifax is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Equifax XXXX the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX
Product: Debt collection

I received a call from Stoneleigh Recovery Associates XXXX XXXX XXXX XXXX XXXX, IL XXXX. A " XXXX XXXX '' left me a message to return his call at XXXX, The call was spoofed as " XXXX '' I guess to appear as a local number so I would answer. I returned the call and talked to XXXX XXXX and he advised me it was a an attempt to collect on an old XXXX XXXX credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whole nine yards. he just refused to accept that I did not want to speak to him. My issue with XXXX XXXX is between myself and them. If they have chosen to sell the debt some day i may be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from XXXX which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Section 807 : A debt collector may not use any false, deceptive, or  misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of section 808 as well : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
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I want the calls stopped and I want an investigation into the violations I cited above
Product: Credit card or prepaid card

Dear Sir, Madam, I have been using an XXXX XXXX XXXX credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the XXXX and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX XXXX, in their refusal explanation letter ( Adverse Action Letter attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX and LexisNexis. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as XXXX XXXX is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, a missed payment was incorrectly reported on my credit report by XXXX. I contacted XXXX 's customer service to address this issue, and I was informed that they had reached out to the credit bureaus to have the missed payment removed from my credit report. Despite this assurance, I am seeking confirmation that the necessary corrections have been made to accurately reflect my payment history. 

I request that the involved companies provide written documentation confirming the removal of the erroneous missed payment from my credit report and ensure that my credit history is accurately reported. Additionally, I would like to know what steps are being taken to prevent similar errors in the future.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX*** Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine DEPT OF EDXXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some erroneous information. The three credit bureaus are required to validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permissible to leave this information unverified without providing proof within the legally allotted time. The following accounts need to be investigated and corrected for erroneous reporting on my file, as listed on my credit report : 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

mortgage company not reporting mortgage to XXXX but the mortgage is reporting on the other two agencies
Product: Credit card or prepaid card

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account names XXXX XXXXXXXX - {$1500.00} XXXX XXXX {$3300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) ( XXXX This CFPB complaint had been filled to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX  XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX on XX/XX/XXXX acct ( XXXX ) a credit card opened at XXXX XXXX on XX/XX/XXXX acct ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Kings Credit Services a debt collection company showed up as a collection on my three credit reports. I disputed to the three credit reporting agencies XXXX XXXX and XXXX and all of them came back as verified debt. If the debt was indeed verified Kings Credit Services is in violation of the HIPAA law. I never signed a consent for anyone to share my medical in it information with the third party or any other company or entity. I also never received any documentation with my signature on it stating otherwise.
Product: Credit reporting or other personal consumer reports

Navient allowed for Forebearance periods. You could pay one month 's student loan payment and then opt into 90 day forbearance. 

I opted for forbearance back in 2019. The process to enter forbearance was easy, but also extremely antiquated. Navient used to send emails asking if you would like to enter forbearance. I replied yes within the required window. Every other time I had done that, I was entered into Forebearance for 90 days. 

Navient states they never received my response to their email. They reported TWELVE separate late payments to my credit report - I do not have other negative accounts like that- but these TWELVE SEPARATE lines are severely impacting my credit score, and will continue to do so for the next few years.