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

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX XXXX loan, XXXX lender, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my debt with credit cards with the bank of XXXX XXXX  and this still show with balance, when was paid off. I need this to be deleted from my credit since it is preventing me from purchasing a hosue or my family. I have done everything I was requested for and still the main three credit reporting companies will not delete this collection. please verify the debt and delete this, help me from hurting my family. We need a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this to Equifax and XXXX. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX
Product: Credit card

XXXX XXXX XXXX Credit Card called and said that they have not received my monthly payment. I informed that it is paid electronically every month and it was never an issue before. I checked my bank account and it was posted in timely manner, whereas the credit card company keeps denying. I have the statement of proof that I just emailed to them. While on automated service, I was informed that my dispute from XXXX is still under investigation. when I asked the customer service they said that they are unable to access. 
I believe this what they did last time in XXXX tried for me to make an early extra payment and could not see my posted payment because they had changed their system. 
If they have not resolved a dispute since XXXX, I believe this XXXX dispute will not be resolved and then they will have no record of it. 
I feel this is fraud and unnecessary harassment that I have not paid my bill and I will be charge late fee so I should go ahead and pay for the next month as well. 
I feel this is fraud because I do not owe and they insist that I do. So where is the money that I paid last month. 
It may seem a small matter but imagine how many people have this card. According to XXXX MI nearly XXXX XXXX people have it. If that number is wrong then at least XXXX XXXX have it. Think of extra money being taken form half a XXXX people. This fraud!! 
Kind regards, XXXX XXXX
Product: Debt collection

This item was deleted XX/XX/2021 on report number XXXX XXXX. By another third party debt collector. Now a new debt collector is attempting to part thus on my credit report again
Product: Checking or savings account

XXXX XXXX of Flagstar Bank NA refused to open a small business law firm checking account for me as he says due to my past bankruptcy filing from last year. He did not even call me after many days, I had to both email and call him several times to obtain an answer. This is both illegal and unethical, as he said " we are allowed to choose who we do business with. '' But this is both biased and discriminatory. Please investigate and advise.
Product: Debt collection

I checked my report and noticed I had a closed account with Volkswagen Credit. I have never owned a XXXX nor have I ever been to a dealership to obtain or assist anyone to purchase a vehicle. I disputed this account and they retaliated by placing this account as charged off and as a result it impacted my credit. This account only show on XXXX credit report and that credit breau had my name and birth year and alot of information that I have had to dispute. My information has been breached with several companies such as XXXX, XXXX and XXXX public Data. This company refuses to provide documentation that this debt belongs to me. This is effecting me being able to establish credit
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, do YOUR job and assist me with this, as this has been going on since  XXXX . I await your responses!! This is th e 4th  complaint, a blanket complaint of all  XXXX  bureaus! Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau  (  crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF  XXXX  TO  XXXX / XXXX /  XXXX  . I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within  15 busine ss days from today.... I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is a collections account that is currently listen on XXXX and Experian credit bureau. The collections was removed off of XXXX, as it was verified as the account does not belong to me. I recently contacted XXXX XXXX  and spoke to a representative named XXXX. I informed XXXX that this account does not belong to me and he has marked the account on their end as fraud.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 a fraudulent purchase was made using my affirm account for the amount of {$1400.00} plus interest, bringing the total to {$1600.00} for the 12 month installment loan. I have repeatedly attempted to appeal this loan and have provided every piece of evidence I can. I have provided a police report plus every email I received regarding the event. They continue to try to hold me responsible for the loan despite this and will not tell me what they need as proof.
Product: Credit reporting or other personal consumer reports

I received something in the mail, saying That is a satisfaction survey.What 's my husband 's name, but my address. He abandoned me our XXXX kids three weeks ago And I do not consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that on my Equifax report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want Equifax to remove this immediately. 

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against Equifax, Transunion & Experian. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. 

On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. 

According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. 

To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts.

If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. 

I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX from Quik fund doing this loan from XX/XX/2020. He gave commitment letter on XXXX XXXX. From then he saying that within 3 days will talk with buyer and seller lawyer and close the loan. then weeks gone and now saying bank don't have only one underwriter and too many file so underwriter still not touch the file. Buyer is well qualified from financial and credit core. All W2 income. But this company and XXXX playing. We went to talk with his boss in the office @ XXXX XXXX, XXXX city and he didn't let us. All the time lying and no response. I want this crook guy and company should be banned.
Product: Credit reporting, credit repair services, or other personal consumer reports

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( TransUnion, XXXX and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Product: Mortgage

Shellpoint Mortgage is in violation of CA Homeowner Bill of Rights and is illegally trying to inflate property values to deny homeowner legal rights to avoid foreclosure. 

At issue is the Shellpoint illegally refusing to acknowledge market conditions and property damage which directly affects the value of homeowner property. Homeowner is trying to sell the property to avoid foreclosure. CA Homeowner Bill of Rights requires lenders and servicers to work with homeowners to avoid foreclosure. By illegally disregarding hard facts about property condition and the fact that this property has been on the market for 238 days with multiple offers that has fallen out due to property condition they are in fact breaking the law by not taking those issues into consideration. 

Shellpoint is requiring an unreachable and unreasonable price of XXXX for the sale of this home. We are keeping a record of this dispute and will have the option to use this as a record for any potential class action law suits if Shellpoint forecloses and lists this property for sale for anything less than XXXX. This property is NOT worth XXXX and Shellpoint has plenty of facts to back up the true value of the property including recent sold comps and bids for repairs needed for this home but Shellpoint refuses to take that information into consideration. By illegally inflating the property value, failing to realize that a property marketed for 238 days in an area that has an average DOM of 60 days they are acting as a foreclosure mill. Only interested in foreclosing not adhering to CA law in helping avoid foreclosure or working in the standards of real estate law in marketing a property. This is illegal and Shellpoint must immediately cease and desist their foreclosure mill process.
Product: Checking or savings account

On XX/XX/XXXX I was alerted by Chime there was a charge of {$7.00} I called and asked what it was they didn't know and I said well I need to pay my rent and everything if I don't know what it is I will call you back on XX/XX/XXXX I go to pay my rent and my card isn't any good I called and they canceled my card I told him I need my card because I got to pay my rent they won't take the routing number I went right back and forth told him to pull the call I never told her to cancel my card and she just took it upon herself to do that they assured me it would be within XXXX to XXXX business days I called back again on XX/XX/XXXX I don't have it I have a XXXX XXXX  notice now and late charge on my rent and my other bills because I do it with my debit card I spoke with XXXX  she assured me she was going to expedite it and I have yet to see my card now and now it's month XXXX and I'm still behind the last person I talked to which was precious she said nobody even put into mail me a new card this is what they're doing to me on purpose what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies namely -- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an 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. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.
Product: Debt collection

The amount that the company reported happened to be over 10 times the amount owed. The amount supposedly owed ( paid at the time of service ), was under {$200.00}. However, Midwest Receivable Solutions ( XXXX XXXX XXXX  ) reported almost {$2000.00}. I called them to have them remove it, since it was inaccurate. I told them that I thought that they might be breaking the law by inflating the amount above the {$500.00} so that they can put it on my report. I mentioned that if they didn't take action quickly, it could involve a lawsuit. XXXX, the lady from XXXX that I talked to ( XX/XX/XXXX ), said that they notified the bureaus to delete it. I checked back with them on Friday ( XX/XX/XXXX ) and XXXX said that all 3 deletions were sent. I checked with the bureaus today, and they said they never received the deletions. So, I called them today ( XX/XX/XXXX ) and their number is disconnected. So, I'm unable to get a hold of them and I believe that it's a scam. Please help!
Product: Credit reporting or other personal consumer reports

Transuinion is reporting a hard inquiry from captial one from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX  XXXX and reported to transunion and also removed by transunion and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, trans union, and XXXX XXXX as reference and proof!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement. '' Once settled, the balance should reflect as XXXX without any negative designation. This violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " XXXX, XXXX, XXXX late payments '' in XXXX despite the account being settled and closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm JPMCBs right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX XXXXx XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dispute of XXXX XXXX  Account - Account Status : Open Dear Sir/Madam, I am writing to dispute the information reported by TransUnion LLC regarding an account with XXXX XXXX , which is inaccurately listed as open with a last date of activity in XX/XX/XXXX. I requ

est that this account be removed from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report, I discovered that the account with XXXX XXXX is inaccurately listed as open with a last date of activity in XX/XX/XXXX. 

Under the FCRA and the FDCPA, inaccurate or outdated information should not be reported on consumer credit reports. As such, I assert my rights to dispute and request the removal of this inaccurate information from my consumer report.

I hereby request that TransUnion LLC conduct a thorough investigation into the accuracy and validity of the reported account with XXXX XXXX. If it is found that the information is indeed inaccurate or outdated, I request that TransUnion LLC promptly remove this account from my consumer report.

Furthermore, I am bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance and oversight.

Please provide a written response to this dispute within the timeframe specified by law, and notify me of any actions taken to address this matter.

Thank you for your prompt attention to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in several times, explaining that I have been targeted with fraud activity on my credit report. I got email alerts that my social security number has been found on the dark web, and I've had to shut down one of my credit cards several times because of unknown charges. I called transunion several times explaining to them that the inquiries were not authorized. I was under the understanding that if there's incorrect reporting of any kind on a persons credit report and unauthorized findings, they must investigate and remove. Investigating does not mean calling in to a company and getting a yes to their questions. A thorough investigation would require where the inquiry was made ( city, state, etc. ) whether or not I was contacted to verify that that was me, etc. I asked them to delete the inquiries, and they refuse because they say that it was me, even though I have been going through fraud issues and I've sent numerous letters, which they have ignored. 

The inquiries that are fraud are elan financial XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX. I want these deleted immediately.
Product: Debt collection

{$160.00} on XX/XX/year> from a XXXX XXXX debit card. I had not been notified of this. This letter kept getting sent to my mother who lives 4 hours away from me. I was completely unaware of this
Product: Checking or savings account

Someone has created a fake account with my email on XXXX. I keep getting email telling me to verify my account. And that my account a has been verified!!!! Apparently XXXX does not have a support service. I opened the email to find out its some type of bank card! I NEED THIS REMOVED ASAP! Someone is committing fraud under my Email ( XXXX )! Wouldnt surprise me if they are using my name too!!!!
Product: Debt collection

National Credit Adjusters ; Payday loan went into collections, I have reported this as account not mine due to identity theft. 

{$1300.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX 1. This firm pulled my credit report without notifying me or advising me. I did not give my consent to have my credit report reviewed on XX/XX/XXXX XXXX 2. This firm will not remove item from my credit report after giving my police report number and reaching out to the 3 credit bureaus.

3. This account was open fraudulently.

4. This firm continues to call for payment after I advise to not call me, and after have discuses with previous representative that this account is not mine 5. This firm stated they have reached out to fraud group, but when i call they stated they have not received the paper work.