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

There has been constant fraudulent activity from an internal source working at this company that keeps putting fraudulent and personally identifying information on my fraud alerts and my credit report that no credit bureau discloses, that I never gave to them or admitted to, each dispute proves the fraud to be untrue and 3 months later it shows back up on my report. I've had fraud alerts and even a locked report via paid services with this bureau, and that has only proven to be false advertising and yet again, fraud! I've demanded internal investigation into who these employees are that keep targeting me specifically by illegally altering my report and putting information on it that keeps me a victim of id theft even w/ their paid products. I've mailed & faxed in the police report that started this gradual descent into peonage and this bureau fails at what it claims to stand for. This is corporate bullying at best and needs to be exposed as such along w/ a full federal investigation & audit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX  : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Equifax : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.
Product: Debt collection

I contacted XXXX XXXX XXXX  back on XX/XX/2020 to validate a debt that was showing up on all 3 of my credit reports. XXXX XXXX informed me that they sold the debt and refused to remove the account from my credit files. I also contacted LVNV Funding in writing on several occasions and I have not received validation of the debt or anything in writing from both of these companies and the debt remains on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Report Act XXXX Account stating : ( XXXX XXXX ), has violated my rights. 

In Accordance with the Fair Credit Report Act XXXX  Account stating : XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ) 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: Debt collection

1. This is a Business, not a personal account. 

2. Company Has not provided a contract and or additional information to validate this account. 

3. I attempted to contact the company and XXXX not receive any information. 

4. I disputed the account with XXXX  and did not a response with valid information to keep reporting this on my credit report. 

5. SCR Solutions is Re-aging this account which is a FCRA violation. 
Attached is my report. 
SCR and XXXX are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX. XXXX  XXXX XXXX XXXX is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Its been a data breach, information stolen, compromised bank account its not my loan
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 account # XXXXXXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account account # 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: Debt collection

The collectors have come after me for a {$6300.00} balance in which the creditor has written off and filed as a loss on taxes. Unfortunately, this was sold to debt collectors. There is a double Jeopardy with that. Also Im asking for original billing and certification that this collection is she is legally able to collect in Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the XXXX Credit Bureaus, my attempts to request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Also, hey have failed to comply with the FCRA section 605b and have been claiming that the disputed items are verified and accurate. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that by submitting this CFPB Complaint, the Credit Bureaus may be able to help me and have these items deleted as soon as possible. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Product: Debt collection

This is complaint against the law offices of XXXX and XXXX XXXX. this would be regarding a car loan that was supposedly taken out in XXXX, I was in a major car accident of XXXX of XXXX and was hospitalized for a period of XXXX weeks. Prior to my accident I had XXXX car that was given to me and therefore I didn't need to buy another car. this law firm had a judgement put agains me for something that I have been fighting for years. I have asked them to send me documents so that I can try and fight this. At XXXX point they did send me the so call document that was signed and it was not my signature and I told thenm that. I was basically told to bad. I have been on XXXX since XXXX because of the accident. Pressler and Pressler calls me everyday and just will not budge on the issue of trying to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Debt collection

I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is
Product: Mortgage

XXXX XXXX and XXXX on XX/XX/2018 notified me of a 30 day late payment on my mortgage through my mortgage company Freedom Mortgage. I pay my mortgage electronically through my banking institution and have never been late with mortgage payments in 16 years. The issue is the escrow increased and I was not notified. The actual monthly payment was submitted but the {$40.00} escrow increase was not included. I was not notified of the escrow increase.
Product: Credit reporting or other personal consumer reports

Khol Account number XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX My Khols account was reported late in XX/XX/year>, however I made a payment on my account at the Khols store. When I disputed it with Khols they said the payment was made, however, something about the billing cycle that I did not understand. The payment was made after the previous payment due and for more than the required minimum.
Product: Credit card or prepaid card

This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. 

In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. 

I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.
Product: Consumer Loan

Have a car loan from VNB Loan Services. Was told by phone the car loan had been paid up in XXXX 2014, but that I owed additional fees & wo n't get my car title until all paid. From XXXX 2014 including a payment made today, I have paid an additional {$3200.00}. I know there were some gaps in insurance and over the phone that 's what they said I owed more money for but I have never received the additional amount due in writing. In fact I asked for a list of all payments received & how applied as well. Requested XXXX/XXXX/14 this info in writing along with a payment which the post office confirmed was signed for XXXX/XXXX/14 and the enclosed payment cleared my bank XXXX/XXXX/14. They refuse to mail me any documentation. I am willing to pay what I owe but feel they are trying to overcharge me because they have n't sent written documentation. Everything has only been provided via phone calls. I think as a consumer I should be getting the addition request in writing as proof for my records.
Product: Credit reporting or other personal consumer reports

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating XXXX XXXX and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found a couple of inquiries on my credit report that I do not recognize and never authorized. I have sent multiple letters to Transunion about it but nothing has been done. Until today those unauthorized inquiries are still on my credit report XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called Aidvantage on XX/XX/XXXX to switch from an IBR plan to the SAVE plan and was told to expect a response by XX/XX/XXXX. I never heard back from them about my new monthly payment amount, so I called again today, XXXX. The customer service representative said that Aidvantage had never submitted my application. She informed me that since it was after XXXX, I would be charged {$5.00} to switch to SAVE. According to the Department of Education, switching repayment plans should be free ( XXXX XXXX XXXX ). For one, it seems unfair that I was charged for something that was clearly a mistake on the part of my loan servicer. It also seems like a problem that they are not submitting applications. Secondly, why is Aidvantage charging borrowers to switch repayment plans???
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to investigation a trade-line from XXXX XXXX XXXX ( XXXX  ) disputing the alleged balance and the first date of delinquency, on or about the first week of XX/XX/2020. On XX/XX/2020, I received a notification from Experian that the investigation was completed and information regarding the history of the account changed shortening the account history and its confusing to an average person. See Attached. 

I am demanding an account-level documentation investigation conducted showing the accounting history, the alleged balance, date opened, first date of delinquency, documentation establishing the terms of this account, and the contract with my signature or equivalent establishing an agreement between XXXX and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

My mortgage was sold to Freedom Mortgage company. In the course of less than 6 months, Freedom Mortgage company has repeatedly mismanaged my escrow account which has lead to 1 ) a shortage in my escrow account to cover home property taxes 2 ) an inaccurate escrow evaluation on XX/XX/XXXX in spite of accurate state tax information that is available online and that I also provided via fax on XX/XX/XXXX, and 3 ) refusal to correct the inaccurate escrow evaluation in a timely manner and communicate changes to me. 
I have made multiple phone calls to Customer Service both before and after requesting an escrow evaluation be completed on XX/XX/XXXX. During that call, I was told I had to provide my property tax information, which I did on XX/XX/XXXX and received an email stating that it may take up to 30 days to address my questions. No correspondence was received within that timeframe. I called Customer Service again on XX/XX/XXXX and requested an escalation of my request. I was told that I would receive an updated escrow analysis by early XX/XX/XXXX, which would be in effect for the XX/XX/XXXX payment. On XX/XX/XXXX, I logged into my account online to pay the mortgage due by XX/XX/XXXX and found an amount due that was greater than the amount on my XX/XX/XXXX statement. I made a call to Customer Service, who told me that there was an escrow analysis completed on XX/XX/XXXX and that the payment would be in effect for XX/XX/XXXX. I pointed out to her that this was in direct conflict with what I was told when I called on XX/XX/XXXX, and that no updated document was posted online nor mailed to me. 
This company has failed repeatedly to handle my escrow account appropriately or communicate changes. Their incompetence has caused me to spend multiple hours on the phone with Customer Service while my escrow account continues to be under-funded and mismanaged. How can I as a consumer request a change to my mortgage lender? I would never, ever, choose this company for any service.
Product: Debt collection

Someone took out a credit card in my name through XXXX XXXX XXXX  on XX/XX/XXXX. The only thing that was purchased was something from XXXX for the amount of {$2900.00} on or around XX/XX/XXXX. 
On XX/XX/XXXX I received a past due bill from XXXX in the mail. I immediately called their customer service number to see what this was about and to tell them I never bought anything or opened an account with them. I also wasn't sure if this was a scam or not. When talking with XXXX XXXX from XXXX, he wanted me to take a picture of the bill and email him those pictures. I did and I still have this email. 
He proceeded to tell me that I did not have an account with them and this would be fixed. 
I also contacted XXXX XXXX XXXX  the same day to see how this card was taken out in my name. I do not remember the woman 's name I spoke with but she confirmed that I was not the one on that card/account. This was done through verifying home address, SSN, DOB. She also proceeded to tell me that this will be handled and taken care of. 
I thought this was all over until I got a letter from Midland Credit Management saying the debt was sold to them by the bank on XX/XX/XXXX for the amount of {$3100.00} and I am now I'm fighting this in court.
Product: Debt collection

I have sent a request to diversified XXXX XXXX XXXX on XX/XX/2024. I sent the letter certified mail and received the proof that they have gotten the mail on XX/XX/2024. I did not receive a response from diversified XXXX XXXX XXXX On XX/XX/2024 I received a voicemail from a staff member of diversified XXXX XXXX XXXX XXXX the laws of the Fair Debt collection Practice Act this company is in violation of 15 USC 1692 g subsection 809 and 15 USC 1692 f subsection 808 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report XXXX  balance ; and b ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some accounts on my credit report with Transunion. One was the XXXX XXXX account because the account is being reported as closed but is actually open. I have attached the billing statement to support the dispute. I also disputed the fact that the XXXX XXXX account is paid in full and closed and is being reported as open with a balance and it was updated with no change. Attached is the receipt to support my dispute that it was paid in full and closed. I have also disputed 3 XXXX accounts as well as the XXXX XXXX account, and it was still updated with no change. Attached it the FTC report to support the claim.
Product: Money transfer, virtual currency, or money service

On XXXX I attempted to XXXX {$490.00} from My Citibank account to my XXXX XXXX account. Citibank locked my account so the transfer would not go through. 
I called Citibank the same day and they unlocked the account. No reason was given for the account to be locked.When I attempted to XXXX my funds I received a notice that I was locked out of my account again. 
I called Citibank again on the same day and they unlocked my account. Again I was not given a reason again why my account had been locked. ( new account ) When I attempted the XXXX the 3rd time I inadvertently sent the XXXX to the wrong phone number. The correct phone number was off by XXXX digit. I immediately called Citibank and tried to cancel the pending XXXX. Citibank opened an investigation and concluded that the funds could not be recovered. 
I reached out to the recepient XXXX XXXX at XXXX several times but my calls and texts went unanswered.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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

Fraudulent credit inquiry on XX/XX/2018 from XXXX XXXX