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

Over the last several months I attempted to resolve inaccurate reporting by this organization. I have made several calls and reviewed my payment history with the organization. Each time ended in no resolution. Payments were made in excess of the the minimum amount and account was paid in full and is still showing a balance. The final payment was cashed in XX/XX/2021. The organization acknowledges that payment was received and still reported late payment. I have disputed this account twice on the XXXX  site and still have no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Debt collection

I discovered Chapman Financial Services was attempting to collect a medical debt which I believe I do not owe. I started sending Chapman Financial Services letters via certified mail back in XXXX of 2020 asking them to verify the debt with my signature ( I will attach a copy of one of the letters to this complaint for reference ), and to remove the debt if it could not be verified. They sent back a list of my accounts ( which is not verification '' ) with only one containing a signature, and the signature was not my signature, yet did not remove the debt.

They have also called my wife 's employer attempting to collect this debt from me, while my wife was at work ( I will also be attaching photo evidence of this ). This incident happened XX/XX/XXXX of 2020, prior to my sending of the letters, I only recently discovered that contacting your family or their employers is a violation of the Fair Debt Collection Practices Act. My wife had to tell her boss and co-workers to tell Chapman that she does not work there anymore in case they ever called again, which was very embarrassing for my wife. 

On XX/XX/XXXX at XXXX a representative from Chapman Financial contacted me  in regard to my letters to see if we could settle the debt. I again explained that I believed I did not owe the debt and that I sent them letters. He responded with " Yes we sent you letters back verifying the debt '', I then responded that sending me a list of accounts is not verification and that they sent me back a signature that was not mine. The representative mockingly laughed at me and responded as If I would never be cleared of the debt, which I felt was rude, offensive, and abusive.
Product: Debt collection

Ive beeen disputing this debit for about 5 years and I have provided multiple information stating this isnt my debit card. They have refused to do their job and remove the debt. The debt keeps getting updated as accurate without any investigation or proof it belongs to me. Its eastern account solutions. XXXX XXXX Those arent my debits
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraudulently opened account on my Transunion credit report for years. The last time Transunion actually allowed them to even re age the account and still verified it as accurate. I have contacted this company named XXXX XXXX XXXX XXXX XXXX  XXXX that has a negative mark on my credit for XXXX and I have asked for any information or documentation of the debt, they have so far refused to provide any such documentation then in a collaboration with Transunion just keep reverifying and re aging the account without actually investigating the matter. I have asked Transunion several times to do a real verification and they refuse to do so. So, I am stuck either paying a frequently opened account just because Transunion and XXXX XXXX XXXX XXXX XXXX XXXX say I owe it with not one shred of evidence, contracts or any signatures confirming the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX, XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but XXXX points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, The following account is claiming that the information being reported is correct. I have previously asked that you investigate this account and show valid proof of the charge off dates, and to delete any information being reported after. This information being reported is consistently being updated monthly, which is a violation of my right. I have disputed this account with all three credit agencies and XXXX has already updated my credit report and deleted the account. Please delete account immediately. When the requested above deletions are made, please mail me an updated copy of my credit report. 

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

I have XXXX accounts with Comenity Bank and they have not reported my new balances to the credit bureaus since XXXX.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : [ XXXX XXXX XXXXXXXX ] [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my Experian & the same account is listed under numbers XXXX on my XXXX & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both XXXX & Experian. 

I would like all addresses removed except XXXX XXXX XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my XXXX I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my XXXX again its still badly Reporting my credit report. Please delete this account please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that arent properly verified. The credit reporting agencies, the three major agencies arent properly investigating the accounts. These accounts remain unverified. The agencies keep responding telling me that they have verified the accounts but refuse to provide the method of verification. 

My different accounts are affected by a breach at the CFPB and should be removed from my different credit bureaus records. 

My privacy and my credit worthiness has bee compromised and this is a direct violation of Code 1681i Promptly update my files
Product: Debt collection

Credit Control Services has been reporting to the major consumer credit reporting agencies that I have a delinquent auto insurance account. However, this is not something which I owe. I have disputed this account on the various reporting bureaus and it is being verified as accurate, despite me giving a thorough explanation of what happened. I discontinued my policy with XXXX XXXX XXXX because I no longer had owned a vehicle. I should think this common sense that I would not be paying to insure a car which I no longer owned, or any vehicle at all. XXXX was aware of this and said coverage would be cancelled. Now, it 's showing up on my credit as a {$970.00} unpaid collection. I never received a bill from them. I paid all of my bills on time, so I had a XXXX balance when I cancelled the service. There is no reason I should owe almost $ 1k. And there is certainly no reason my credit should be damaged by this erroneous charge.
Product: Debt collection

On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Product: Credit reporting or other personal consumer reports

XXXX I XXXX XXXX XXXX XXXX XXXX, XXXX Pennsylvania XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 

THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX XXXX SECURED CARD - XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per Federal and my states reporting laws, you MUST XXXX  and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Product: Debt collection

On XX/XX/XXXX I opened a installment account with the original creditor, i made all payments on time with no balance. I closed the the account on XX/XX/XXXX in good standing. Two years later on XX/XX/XXXX I received collection attempts by LVNV Funding LLC for a different account from the original creditor. I mailed proof of identity theft on my credit report. I disputed the account numerous times but was declined. My credit report shows proof of exceptional payments made to the original creditor XXXX.
Product: Mortgage

In XX/XX/XXXX, XXXX transferred the servicing of my loan to Carrington Mortgage. At that time, I was nearing the completion of a ( 5 ) year Chapter XXXX bankruptcy, with less than six ( 6 ) months remaining. Prior to filing for bankruptcy, XXXX granted me a 12 month forbearance. This amount was included in the bankruptcy and payments were made to the trustee. I also, for the duration of the bankruptcy, made the regularly scheduled monthly payment to XXXX. I never missed either of these payments. If I did, the trustee would immediately invalidate my bankruptcy. Carrington Mortgage did not understand the explanation I just provided when I called them in XX/XX/XXXX. They told me they had not received all of my loan file from XXXX and that it would take approximately 60 days for the transfer to be complete. I knew that I was going to have a problem because they told me not to make a payment. I could not skip a payment because of the bankruptcy. In XX/XX/XXXX, I called the bankruptcy department at Carrington Mortgage and insisted that they take my payment and each month following, I did the same. ( I have bank statements to show each payment ) Carrington Mortgage coded my loan as an " active foreclosure '' and began calling me after the bankruptcy was discharged. They told me the only reason my house had not been set for sale is because the Governor of Louisiana declared a stay due to COVID. They sent statements showing my loan in arrears. They said they performed a " thorough research '' on my account. I provided a printout from the trustee and bank statements. The findings from their research did not clear their many errors of incorrect payment postings ( which caused the incorrect due dates ) and their failure to accurately reconcile their loan file and XXXX 's. They continue to threaten me with foreclosure. I did not make XXXX and XXXX payments because they told me to wait until this issue is cleared up. It has been since XX/XX/XXXX and I don't know what more to do. I have called repeatedly, sent supporting documentation. These people are rude and dismissive. They talk to me and treat me as if I am lying. It is almost as if their intention is take my home. I am a XXXX year old XXXX XXXX  woman. The stress of this has taken its toll on me. I don't know what more to do. I can not afford to hire an attorney.
Product: Mortgage

XX/XX/2016 we were contacted by Freedom Mortgage stating we were pre approved for re-financing our current FHA loan. They stated that we qualified based on fha guidelines and that we would not be denied. We worked with them for 4 months and finally after XXXX loan processor changes and multiple hard inquiries on our credit history, it was submitted to underwriting. It was denied. They stated the reasoning for the denial as not enough funds to cover closing ( we had over {$2000.00} in escrow from our current loan, as well as money saved aside for closing ). They also stated we had to many past due or delinquent accounts on our credit. ( they knew of this XX/XX/XXXX as we had conversations about it but they said it was n't an issue since our mortgage was n't past due ever ). They also stated that FHA guidelines that pre approved us and qualified us were not in place anymore due to new administration and laws passed since the presidential change.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Last month, I submitted a check my dad wrote out through the Chase app without my dad 's signature without knowing that it was unacceptable. I went into the Chase bank on two different occasions to get this issue resolved. They said that it could be taken care of, but it wasn't. Not to mention it was very very very time-consuming as the lines needed to be transferred to get to the right person time and time again. It was a simple error on my part that caused my account to be closed down. I can no longer access my debit card and the remainder of the savings were sent to me by check through the mail. I would like my account reopened. I still need to pay the credit card and I have the funds to do so in full. Overall, this was a terrible experience due to a small error on my end.
Product: Credit card or prepaid card

Capital One has violated their Terms and Conditions agreement regarding my interest rate.
Product: Debt collection

They called me about an old debt that had been charged off. I do not know who this company is. I asked them to contact me by mail at the address on file, I asked for their fax number to send a cease and desist. She said they had no fax number, but gave me an address only. She did not admit that this was a debt collection, and when she did it was after I had got all my information, did she mention I was being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acct : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court, This makes it impossible for them to verify the Bankruptcy. XXXX XXXX removed this bankruptcy from their files because the dates were wrong, this makes it is impossible for XXXX and Experian to verify.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX