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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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: Mortgage

Acre Mortgage & Financial Inc., Classic Quality Homes, and their attorneys are aware of my name, and address since the information presented in the attached documents has been presented before the United States District Court for the Middle District XXXX XXXX, including the United States Court of Appeals for the Third Circuit. This has been an ongoing Civil Litigation since XX/XX/2016. The Plaintiff was victimized in XXXX XXXX XXXX XXXX XXXX XXXX real estate property predatory lending scheme. XXXX XXXX XXXX failed to comply with the CFPB 's TILA RESPA Integrated Disclosure ( TRID ) rule, failed to obtain the Plaintiff 's six pieces of information for a valid application, and failed to utilize and create the XXXX ( A ) Loan Estimate and the XXXX ( A ) Closing Disclosure. Therefore, XXXX XXXX XXXX failed to create a valid and enforceable mortgage loan application, and demanding mortgage payments without an existing, valid, and enforceable mortgage loan application. 

I do not mind if the CFPB publish my information so that others can learn of my experience, but I am requesting that the CFPB remove my name and address. 

Thank you for your assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for reading my complaint. I contacted TransUnion numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since XXXX. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with XXXX in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct XXXX is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2
Product: Payday loan, title loan, or personal loan

This company and their collections agency is harassing me telling me I'm going to jail for bad checks. Cussing me out. They are violating FEDERAL laws with their interest rates. See XXXX. Online loans especially at those rates in Iowa are illegal. I've contacted Iowa attorney general XXXX XXXX about the harassment.
Product: Checking or savings account

It was when I received my tax refund in XXXX for my XXXX taxes and I went to XXXX when they hit spent about {$250.00} and regions charged me 3 {$180.00} overdraft fees that they are still expecting me to pay and refuse to fix
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America declined my application to obtain a credit card for the wrong reason when I do qualify. 

They stated they were told I had a pending bankruptcy and I included their accounts. This is incorrect information which is not found on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been Contacting Experian, XXXX And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A FTC Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuation of violating my fcra rights after several notices and submissions of supporting documents and notices. 
Equifax continues to share highly sensitive peersonal and financial information that I have opted out from being shared & poses significant risk to my privacy.
Product: Payday loan

I received a payday loan from this company.I notified them more XXXX days in advance as they only require XXXX days notice by email and I also called.I asked to be set up on a lower payment of {$50.00} because my hours at work were reduced dramatically and I also notified them that they did not have my authority to deduct any amount in any form from my checking account.I was denied and was told that my only option would be to pay it out. If I could do that, that would have been done.This company is going to deduct from my account without honoring my request.
Product: Debt collection

I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address.
Product: Credit card or prepaid card

I was on vacation from XX/XX/2022 to XX/XX/XXXX. While I was gone my mail box was broken into and all of my mail was stolen. One piece of my mail that was taken was my initial statement from my Barclays XXXX XXXX. Thus, this being a new account not having paperless billing set up and in aware of the annual fee of {$99.00} was due. Since I did not receive my statement I did not even know I had a statement missing that did not get paid in full on time. Once I discovered I had a late payment, I immediately called and made the payment in full on the card. I was told by Barclays to write to the credit bureau to dispute this issue. I am asking to have the late delinquent mark removed from my credit scores with all major reporting agencies.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX, XXXX ALL THREE CREDIT REPORTS SHOW 17 CREDIT INQUIRIES THAT I AM SUBMITTING A DISPUTE.

I did not authorize my credit to be pulled due to the recent two national data breach ( s ). I am very concerned about these inquiries being placed on my credit report ( s ).

I am requesting all 17 be removed within the 24 hours by law. I have already placed online fraud alerts with all three reporting credit bureaus. 


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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX
Product: Debt collection

I have a collection dept through Amsher Collections that I learned about while checking my credit score. I did not recieve any notice at all. The dept originated with XXXX. I could n't get any information from either place. The Dept is for XXXX and I do n't know what it could be for. It might be for a reciever box which I never got.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitycapital/XXXX inquiry on my XXXX Report was not initiated by me
Product: Credit reporting or other personal consumer reports

In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( Experian & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Product: Credit card

On XXXX XXXX, 2024 I applied through XXXX to US Bank a balance transfer card for {$20000.00} to pay off my XXXX XXXX  XXXX credit card and was told on the US Bank sight that it was no interest for 18 months. I was approved and was told the instructions for the balance transfer would be sent to me. ( I got lots of emails telling me the card was on the way and I could even track it but their link does not allow you to track it with out a card in your hand and even after I told them this the tech employee said yes " you are right '' ) The product that I applied for does not exist with US Bank. They let you apply under the pretense that this product is avaiable but it is not. I get the card for {$3600.00} and now after XXXX calls and being cut off and transferred I finally got an employee, XXXX, who explained we don't have that type of product and once you are approved for a card then you need to ask for a credit line increase and if approved then you need to call back and set up the balance transfer. This is not what they are advertising and consumers are getting ripped off. I did not want a new card just to use it and become one of their regular credit card customers and ruin my credit score. I was doing it to close my XXXX XXXX XXXXXXXX credit card and use an interest only card for 18 months to pay off this high balance. This is deceptive and fraudulent on the part of US Babk.
Product: Checking or savings account

I started a custodian savings account for my granddaughter On XX/XX/XXXX From peoples Bank there was {$460.00} in the account M & T Bank took over XXXX Bank and I received no statement till XX/XX/XXXX The balance in the account was {$410.00} which they were taking {$7.00} out each month for a service charge on a custodian account which they were not supposed to. I have called the XXXX number between XXXX and XXXX times. Getting absolutely nowhere. Talked to a supervisor XXXX XXXX XXXX weeks ago and she was supposed to return my call the following Monday six Mondays have gone by and I still havent gotten a call back. I have called the bank once a week for the past several months. The account should have {$470.00} in it and after XXXX phone calls they did reimburse three or four months which brought it up to {$430.00} they still need to Reimburse the account for five more months of service charges. I would appreciate your attention in this matter. 
I have copies of pass book and statements I wasnt able to attach.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccuracy of this bankruptcy with Experian three times. First back on XX/XX/2023, they claimed that time that the information was sourced from XXXX XXXX. I contacted XXXX XXXX  and they deleted the information from their records and even provided me with a letter which I will attach here, as soon as I have a chance. When I got the letter from XXXX XXXX, I disputed the information again with Experian back on XX/XX/2023 and the bankruptcy came back again as " remains '' because they claimed they never received the proof I had submitted which was the letter provided by XXXX XXXX and they wanted me to dispute the information again which I refused because at this point I knew this was an strategy of theirs, to stall and keep me in a loop and never really address the issue and remove the inaccurate information according to Fair Credit Reporting Act 15 U.S.C. section 1681 which there are not in compliance of. After so much back and forth with them, I agreed to dispute the information again on XX/XX/2023 and they assured me on the phone that, because I had provided the letter this time and they could confirm they got it, they would certainly remove the inaccurate information. They just completed the investigation and the disputed information came back ( once again ) as " remains ''. I feel powerless because these credit bureaus abuse and violate our rights. One more thing, they never on their last investigation who was their source for the bankruptcy, as a matter of fact, they never disclosed it in any of their investigations I had to call and ask. Please help!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

The 2 accounts reporting on my Experian credit report are not my accounts.
Product: Mortgage

i was approve for a modification around XXXX or XX/XX/year> i was also approve for XXXX XXXX from my home ct state grant to put towards my mortgage they want me to sign the modification papers which i refuse because they refused to put that towards my mortgage but the check cleared at the end of XXXX but they did not put in the modification papers but they still want me to sign no i will not. also my XXXX that i paid is not in there also. with those payments and all those payments i made for 18 years is not in there.with all those payments added my payments would be a whole lot cheaper butr they refused, they claim they have all this interest to pay. which is a lie. they just want the money for themselves they said if i dont sign i have to start all over again which i am not. i would email everything but there is to much .i need a lawyer but i cant afford one. they refuse to put the XXXX in the modification papers plus the XXXX and the rest of the money i will send you the modification papers i need a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The above referenced account is currently reporting to my XXXX credit report as a charge-off but also reports a current balance owed. According to the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ), creditors are required to promptly update the account balance to {$0.00} after the sale of a debt.

Barclays Bank is in violation of the FCRA by reporting this inaccurate and conflicting information to my XXXX credit report. Barclays has continued to incorrectly update the status of this debt as past due with a balance owed of {$4300.00}. This debt was sold to XXXX XXXX XXXX XXXX and payment arrangements were made directly with the collection agency. The collection account from XXXX XXXX XXXX did not appear on my credit report because payment was arranged directly with that firm. Barclays is also listing the charged off amount as {$3500.00} on the same report that says the balance owed is {$4300.00}. There is an obvious discrepancy with the amounts and account status. Barclays and XXXX refuses to delete this inaccurate and inconsistent information from my XXXX credit report. XXXX and XXXX has already removed the discrepant account information. This inaccurate account reporting is also adding an incorrect credit utilization rate of 110 % to my credit report. Please see attached XXXX reports showing the conflicting reporting by Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous wrote Equifax in regards to an item ( Bankrupty caseXXXX ) on my credit report. To this date they have never replied to my complaint and the item remains on my report showing as " In dispute '' .. its been like that for more than 90 days
Product: Debt collection

North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. 
The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

credit corp solutions called me on XX/XX/24 at XXXX. They did not identify who was calling although I asked multiple times. They released my social security number with fully confirming it was me on the phone. I informed them that I needed to receive a letter and was falsely told that a letter had already been sent out. I repeated multiple times to them that I did not want to be called nor would I confirm information over the phone. They talked over me and continue to ask for verification information after I had already told them no and they had already spoken out my social security number. I have my mailed tracked through USPS informed delivery and can verify that no letter in the last month has been sent from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the XXXX data breech and is most likely in the hands of the wrong people.