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

Greetings! Thank you for your assistance and time helping me correct the matters on this situation!

Earlier in this yearXX/XX/XXXX I sent off letters to a few companies stating that I owed them ... Its been a while I have taken notice of my credit however I am now taking action to make it better thanks to my close friend ... .These are items that are on my credit that are closed and in derogatory that I do not recognize and have not ever seen!

The letter stated that I was requesting verification of debt which they claim I owed in the form of my signature ... None of these companies done so.I am following the Law and am trying to handle this in a professional manner.

I made some mistakes in the past even married early but now I am a lot mature and learned from my younger days and am now taking responsibility to correct my past. I want to fix my credit that I may continue being a productive citizen and adding true value to society. I almost got an attorney to help me deal with this in court then I said let me wait a second to see what steps are out there from the Government that can help me.That is how I found out about your services CFPB.

I sent letters to maybe 7 companies and none of them provided within 30 days any proof of my signature. I also sent them a second grace letters asking them to please either provide my signature or to remove the debt reported by them per the law. That was on XX/XX/XXXXand have the proof of the certified letter receipts.

NOW its been about 75 plus days and I have yet to have them prove that the debt is mine per the law and am seeking your help to have each one of them remove this off of my credit report immediately!

They sent me letters saying that the debt was mine and they could prove it yet no one did!

Everything I did was certified mail These people are saying I owe without proof and breaking the law that I owe, {$680.00} along with {$720.00}, {$400.00} and {$430.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against ChexSystems for their failure to provide me with a copy of my consumer report. Despite multiple attempts to obtain my report online, I have been consistently unable to access my information. This situation is particularly concerning as I have recently been denied the ability to open a bank account based on the information reported by ChexSystems, and under the Fair Credit Reporting Act, I am entitled to view the information that has led to this adverse action. 

I kindly request the CFPBs assistance in addressing this matter so that I can obtain my report and ensure that my consumer rights are not being infringed upon.
Product: Credit reporting or other personal consumer reports

Last year I sent certified letters via United States Postal service to all three credit bureaus about false information reported on my credit. Enclosed is copy of information already resubmitted to be deleted and or adjusted correctly : Fix multiple names on credit report : Fix false addresses reported : April Late payment from XXXX was paid XX/XX/XXXX In clothes in this complaints or the following information to verify information is inaccurate and reporting falsely : Highlighted Payment on Credit Report : Untiliiy Bill With correct address : Proof of identity : Notice to furnishers : Copy of U.S. Code 1666b
Product: Student loan

I took out XXXX student loans for my undergraduate degree program at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas between XXXX and XXXX. I put these loans in forbearance while I complete two years of service with XXXX and three years of XXXX XXXX When I graduated XXXX XXXX, I was under the impression that the student loans had not become due yet and was not aware I had to make loan payments beginning in XXXX of XXXX. This was the same month I graduated law school. My parents were not living at the address the loan servicer ( Texas Higher Education Coordinating Board ) had on file and the did not have my address. I received no notice through my personal email, nor phone calls. The loans went into default in XXXX of XXXX and my case now is with the State of Texas 's Attorney General 's office. I spoke with a representative from their office today who informed me that it was my responsibility to make sure they had the right address on file. She said that she did an investigation into my case in XXXX of this year and discovered my current address, which I confirmed was correct, She said notice was sent to this address when it was discovered. However, I did not receive this notice. I would have paid the loan right away had I known that it became due and I believe that the notice I was given was insufficient, especially considering that they had my phone number and email address on file. I have sent payment for the original balance on my loan. I was informed by the representative at the State of Texas 's Attorney General 's Office that a case was filed with a Justice of the Peace in XXXX, Texas in order to recover the interest that had accumulated on my loan during the last year and a half. I asked that they send me the information showing that adequate notice had been sent, but the representative said she could not do that. I am happy to pay the loan that I took out, but making me pay {$1500.00} in interest on loans I was not aware were collecting interest is manifestly unfair. Thank you for any assistance you are able to provide.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
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 Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

THIS ACCOUNT WAS REMOVED, THEN REINSERTED AND I WAS NEVER CONTACTED, THAT'S A SERIOUS VIOLATION OF THE FCRA, XXXX ASKING FOR THIS ACCOUNT XXXX TO BE IMMEDIATELY DELETED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Ive contacted Transunion, XXXX, and XXXX about inaccurate balance for XXXXXXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.
Product: Payday loan, title loan, or personal loan

Between XXXX XXXX, I applied and received a {$2500.00} title loan from Embassy loans XXXX I used the money to pay my rent for my business at the time. It wasn't even the end on the month of XXXX, when they repossessed my car. I never had a chance to make a payment. I contacted the company in XXXX, and was told that i was supposed to make a payment with the first 10 days of receiving the loan.So for them to report on my credit to make it seem like I made 2 payments is beyond me. XXXX of 2021, when I went shopping for a vehicle, I notice the inaccuracies on this tittle loan. It wasn't fair to me that I wasn't given the opportunity to pay my loan off. Now, this has came back to haunt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.m want to file a dispute on my credit report being mishandling by companys running my credit score with out my permission and those recent inquiries need to be removel to update my new credit reported without inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began asking Transunion why they are not updating my score. I ama XXXX XXXX veteran and I need housing - I need the score to be right. I paid off my creditors. They insisted that somehow mysteriously ALL of my creditors did not report for XXXX. This incredible coincidence. After many calls and supervisors and lies a supervisor asked if I want to file disputes - I said yes, against Transunion. He files all the disputes and sends them all out to my creditors - hard to understand him, he's from XXXX. I start telling my creditors it's a mistake - no dispute about my new low balances. I call again - furious - and insist they have the internal problem. They now tell me the disputes will leave my low score in limbo until resolved. So I'm totally XXXX in every direction. And all of my creditors have the dates that they reported. Now they want me ( I'm XXXX ) to fax them info to stop the disputes - a trip out to find a fax. And that doesn't solve my score issue anyway. NOW, in the meantime, I had joined their site and they're charging me {$19.00} per month for " updated scores '' and another {$19.00} if I update for that day. That is fraud. Also, somehow, XXXX XXXX got a hold of updated Transunion info. and my score did rise and I can see the dates and why the score went up a bit. So XXXX XXXX has info but those numbskulls have me locked into a lower score for {$19.00}. It's a mess. To be specific, lets focus on the fraud part. The blatant lies around the XXXX and turn that into XXXX dollars and XXXX cents lawsuit as well as class action investigation. This is all on their tapes. Everything I'm saying can be proved by all the tapes they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, For XXXX XXXX XXXX XXXX, my account is current and I am paying on time. could you please remove delinquency reported in Equifax, XXXX and XXXX credit score. XXXX missed payment from the XXXX XXXXXXXX and XXXX is showing in credit report, I am attaching screenshot and it is effecting me a lot to apply further loans.Could you please remove them it would increase my credit score and help me. This is causing lot of demotivation
Product: Debt collection

Credence Resource Management is attempting to collect a debt from me for an account with XXXX that another debt collector owns and who are trying to collect on with the proper amount. They are using false collection dates ( refreshing the debt by saying that it was put into collections recently instead of years ago ) and the amount is double of what it is supposed to be.
Product: Credit card or prepaid card

To summarize what follows: HSBC took a month to complete a balance transfer, even though their only communication with me regarding a time frame for such a transfer predicted 7-10 days. They have stonewalled my complaints, even though I lost money in this time period in the form of interest. I also experienced a lowering of my credit score, because HSBC posted the transfer to my account the day I requested it, despite not paying the other credit card company; my utilized credit doubled. I am looking for new housing, and lowering my credit score has made this process more difficult than it should be for me. After it is completed, I want to have this balance transfer forgiven in full by HSBC, to make up for the money and credit lost due to their delay and false communications.*****************************************************************************************************I initiated a balance transfer from HSBC to XXXX  on XX/XX/XXXX. The attached email confirms this transfer, and states that it should have been completed in 7-10 days.After almost a month without the transfer being sent from HSBC—even though they charged the balance to my account immediately—I called to ask what the delay was. I then was told on XX/XX/XXXX that I would receive a status update for my inquiry on XX/XX/XXXX.After not receiving an update, I called back on the XX/XX/XXXX, and was transferred four times to reach my original customer service representative, with ID# XXXX. He told me that HSBC sent the transfer to XXXX on XX/XX/XXXX, exactly 28 days after my request. He stated that it is HSBC's policy to send balance transfers within 28 days.Nowhere in the terms of service is there a 28-day window for balance transfers. The only guidance is in the attached email, giving a 7-10 day window. I then asked to speak with the balance transfer team. He said that he does not know the phone number, he does not know anyone who knows the phone number, and he does not know any way to send me to someone who knows the phone number. I then asked him to have his supervisor call me, to which he responded that it would only take one minute on hold. I waited for nearly half an hour before hanging up and writing this complaint.For the reasons in my first paragraph, this delay is directly contrary to HSBC's communication with me and has severely inconvenienced me financially and through my credit. Once XXXX receives the payment, I want the transfer to be credited to my HSBC account in full.
Product: Debt collection

convergent outsourcing inc is trying to collect on a debt to XXXX that number one is not my account and the account that i did have with XXXX is over XXXX years old and they have an account number that doesnt belong to me.
Product: Debt collection

I check my credit score and I realize I have a collection and I immediately call and see whats this collection is for? They told me is a alarm system in a property I never live what happened was I hired that company to install 2 alarm systems I at that time own 2 convenient store it was important for me have it protected so, one of the sells person for this company tell me the is good to have so I decided to hire them in 2018 but them they went to one of my properties and tell my tenants to install the alarm system, but what I dont know was they keep my information and add it to that property but I dont have no idea they did that so I call the collection company and explain them my situation and they told me I have to sue the person who I think they did that fraud but I dont remember their names plus I dont have a idea how sue anyone but I cant pay for this collection I never live in that property and I dont know how they met and they probably check the property in property appraisal and see I own that property at that time.
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that  someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX failed to follow the verification process for administering EXTENSIONS OF CREDIT under [ 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for Extension of Credit in complete disregard to the consumers protected account. 

EQUIFAX was already made aware of the provisions and procedural guidelines made for [ 15 U.S.C. 1681c-1 ] 605A fraud and identity theft prevention by the consumer as noted on the consumers account and profile for the past several years, in addition to the fraud alerts placed on the consumers account, and the multiple requests made by consumer to EQUIFAX for fair practice and governance of the consumers report and information. 

EQUIFAX has willfully chosen to disregard ethics or fair practice to this regard, and has supplied and upheld false, misleading, fraudulent, and impartial information against the guidelines set forth by the [ 15 U.S.C.1681 ( c ) ] Fair Credit Reporting Act for fair practice and reporting under false pretenses for lender XXXX XXXXXXXX XXXX 

EQUIFAX has subjected the consumer to a false, inaccurate, and untrue reporting and reflection of the consumers identity in relation to the consumers account and credibility in the process. 

Multiple requests have been made by the consumer to EQUIFAX to adjudicate these errors, in response to these requests, EQUIFAX has continued to ignore and impose unreasonable point deductions made by each request for fair practice resulting in unreasonable 102point deduction on XX/XX/2022, and as previously 160 points deduction over the course of XXXX weeks DESPITE THE VERY CLEAN 21 YEAR AGE, RECORD AND PAYMENT AND HISTORY OF THE CONSUMER. 

Equifax continues to ignored all relevant requests and supporting information thereby supporting and further establishing PREDATORY LENDING PRACTICES AND BEHAVIORS by lender EQUIFAX in support of lender XXXX XXXX aggressive and unethical lender practices aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts 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 did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX  and XXXX  attachment is my police report for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both Transunion and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Product: Debt collection

Stop sending text messages and stop calling. They arent clear what the debt is for.
Product: Mortgage

My mortgage was in forbearance under the Cares Act but I took it out of forbearance and paid all payments due. I applied for a refinance with Discover Bank and was declined because they said my loan was reported as past due with missed payments. I never missed a payment on any debts in my life. How can I get this resolved so that no one reports that I have missed payments?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/year>. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.
Product: Mortgage

SEE PROOF HAVE SENT SO MANY TIMES AND EXPLAINED ALREADY APPROVED FOR XXXX XXXX XXXX AND STILL SALE!?!?!?!?!? PER XXXX  XXXX CAN NOT SELL HOUSE WHILE UNDER REVIEW!!!!!!!!!!! WILL HAVE TO FILE PAPERWORK ON WEDNESDAY! NEED ONBUSMAN DEPARTMENT NOW! HAVE SENT SO MUCH PAPERWORK CORRECTED THEN CORRECTED NEED A NEW LOSS MITIGATION NEGOCIATOR AND SUPERVISOR! NEED ONBUDSMAN DEPARTMENT NOW!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Removal of Inaccurate Account and Potential Legal Action I am writing to urgently address the inaccuracies associated with the account listed below on my credit report. Despite multiple prior investigations into this matter, the inaccuracies persist, causing significant harm to my credit score. 

Account in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As stipulated under Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate or Incomplete information to a credit reporting agency is prohibited. The account in question has several months reported as " No Data, '' as evidenced by the attached documentation from XXXX THEMSELVES!!!!!!!!!!!!!. This represents a clear violation of the FCRA, which mandates accurate and complete reporting. 

If XXXX or transuion actually did in investigation into this matter they would see this is a CLEAR VIOLATION of the fair credit act I believe the companys have NOT performed a proper investigation into this matter at all!!!!! 

This is my fourth attempt to resolve this issue, and I have also submitted a formal complaint to the XXXX. If this account is not promptly and permanently removed from my credit profile, I will be compelled to pursue legal action under the FCRA and file a complaint with my State Attorney Generals office. 

Please provide an updated copy of my credit report upon the completion of your investigation. To facilitate this process, I have included a government-issued photo ID, proof of address, social security card, and documentation of the inaccurate payment history and prior investigations. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I don't recall having a contractual relationship with LVNV FUNDING Account Number XXXX.