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

In accordance with the Fair Credit Reporting act XXXX Accounts below, 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. I have reached out via letter phone through the credit bureaus and I have been turned down and I have not gotten any response it is affecting my credit score and me being able to move and acquire Assets so if you can please review the information below I would appreciate that bankruptcy shouldve been deleted off my account after paid off! 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$3100.00} Closed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX  $ XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX as XX/XX/XXXX {$11.00} REPORTED Account Originalv : XXXX XXXX XXXX : OPEN ACCOUNT : THIS IS AN ACCOUNT IN GOOD XXXX XXXX XXXX Daid as XX/XX/XXXX {$190.00} {$190.00} REPORTED Account Originallv : XXXX XXXXOPEN ACCOUNT- THIS IS AN ACCOUNTNCOODSIANDINGI XXXX XXXX XXXX Unknown XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX CONDITION/STATUS : ACCOUNT IN DISPUTE - REPORTED BY SUBSCRIBER ( XXXX XXXX XXXX XXXX XXXX as XX/XX/XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX XXXXXX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax and XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX Was denied check acceptance so i contact the third party reporting agency and was told had and outstanding check from XX/XX/2015 I then stated this was not mine and had to be an error company has not properly investigated this information and continues to report not only inaccurate information but outdated information that should have been deleted from report due to time limits on reporting such items in the state of California
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months XXXX XXXX XXXX ( XXXX ) has been reporting my mortage balance incorrectly. I purchased the home for {$260000.00} XX/XX/XXXX. My loan was placed on a forbearance then approved deferment in XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. XXXX is reporting that the original loan amount is for {$280000.00} to all 3 credit agencies. Also they are reporting that my current principal balance is {$260000.00} both of which is more than the purchase price of the home. Also on thier website it shows my balance as {$250000.00} however reporting that i owe more. 

I called an attempted to dispute this, spoke to several employees and finally escalated to a supervisor Mrs XXXX on XX/XX/XXXX for over an hour. She advised she was going to follow up with no later than XX/XX/XXXX. She could not rectify why my loan is inaccurately reporting. Where my payment from XX/XX/XXXX to XX/XX/XXXX of {$1500.00} ( total : {$23000.00} ) were applied and why the balance is more than the orginal loan amount. 

My expectation once my deferment was approved was that all the payment would be tacked to the end of the loan, not added as additional money owed. thats charging twice. 

I followed up with XXXX when I did not receive my callback and the agent and new supervisor stated they are unable to locate Mrs . XXXX Employee Id : XXXX. 

I have already submitted a dispute with the credit agencies ; however this company has negatively impacted my credit and takes no responsibility of ownness to rectify the situation. 

I am looking for immediate resolution and financial compensated for the negative impact to my credit report
Product: Debt collection

No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!
Product: Mortgage

Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my report that was not authorized by me from the following company, ALLSTATE CREDIT BUREAU. I disputed this fraudulent credit inquiry with XXXX from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of XXXX  and ALLSTATE CREDIT BUREAU disregard for consumer protection statutes.
Product: Credit reporting

I recently disputed XXXX XXXX account # XXXX XXXX XXXX 2016. On XXXX XXXX Transunion stated they were able to verify the information reported on this account. This account information is not accurate and I have provided a copy of a XXXX statement proving they did not verify this account according to the FAIR CREDIT REPORTING ACCT would like Tranunion to show me what they verified and what proof they have.
Product: Credit reporting or other personal consumer reports

Dispute of civil liability for negligence and noncompliance ( reference XXXX. XXXX ) XXXX accounts LVNV FUNDING LLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint is presented to Transunion about the unauthorized inquiry of the XXXX to investigate our credit report for the date of XX/XX/XXXX. We informed you that this investigation was not known and was made with the XXXX car dealer without due authorization. We urge you to immediately eliminate this undue inquiry as it affects an empirical one. We look forward to your quick intervention.Thank you.XXXX XXXX XXXX XXXX Birth day XX/XX/XXXXXXXX XXXX XXXX XXXX Birth day XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately XXXX XXXXXXXX. I had one late payment on this account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on XX/XX/2025. I'm now requesting you to investigate and proved verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toledo Finance Corporation has stated that they do not know who I am. I informed them that I have never attempted to get a loan from Toledo Finance Corporation. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in Print Toledo Finance Corp XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 XXXX XXXX
Product: Checking or savings account

received a USPS mail from Truist Online Savings account statement stating there is a withdrawal of {$2700.00}. i am not aware of this company or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a rental property on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. 

Upon reviewing my credit report, I discovered that a XXXX  credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. 

I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. 

Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. 

I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. 

Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. 

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

Investigation took more than 30 days and nothing was changed when clearly there are misleading, incorrect, inaccurate items on my credit report..i have those two accounts attached showing those inaccuracies... I need them to follow the law because this is a violation of my rights!! The EVIDENCE IS IN BLACK AND WHITE ....
Product: Debt collection

I sent a letter asking for verification of a debt on XX/XX/2024 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that XXXX XXXX received the dispute letter on XX/XX/2024 at XXXX XXXX. It is nowXX/XX/2024 and I have not received a response from the agency. 

From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, I am requesting deletion of this debt on all three of my credit reports.
Product: Credit reporting or other personal consumer reports

The information in question doesnt belong to me, and its clear that there has been a mistake. I take my financial health seriously, and its important that my credit report reflects only accurate and up-to-date information. As you know, the Fair Credit Reporting Act ( XXXX  ) requires that all information reported on my credit file be accurate and complete. This incorrect information is violating that, and I need it corrected without delay.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; TransUnion must provide how they verified this debt belongs to me in the following manner : XXXX ) How did you verify these accounts? 
XXXX ) Provide an original contract for each account with my wet signature. 
XXXX ) Provide documentation showing that I am contractually obligated to pay these debts. 
XXXX ) Provide proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am the co-signer on my son 's student loan from XXXX. I was out of work for a couple months and fell behind on the repayment. I have since contacted them almost 3 months ago and told them of my situation and that i was going to start making payments again and i would add an additional {$50.00} per month to go towards the past due which at the time was about {$1200.00}. I have made 2 regular monthly payments on time with an additional {$50.00} and i still get harassing phone calls from them almost daily. I feel that this is harassment. I have told the person calling that it is harassment and they said they have a contract with XXXX and they have to call even if your account is being paid by a payment arrangement as agreed upon because it is still past due. 
I have been in the XXXX and XXXX business for over 18 years and even I can see that this is harassment. I really feel that they need to be investigated for harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX A - XX/XX/XXXX XXXX - XX/XX/XXXX Positive Accounts ( Do Not Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company. 

I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ). 

I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019. 

I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.
Product: Mortgage

Hello my name is XXXX XXXX. I am trying to help my customer XXXX XXXX XXXX. Her phone # is XXXX. Her email address is XXXX. Please copy her on all information. I am helping because of the language barrier. 
She has a mortgage on her house. 
She is having issues with the mortgage company that I am trying to help her get resolved. 
Last XXXX she made her payment of {$1000.00} but the mortgage company tried to cash it for {$4000.00} by mistake which bounced. They have agreed this was their mistake. It was just mistyped. They were going to send a {$3000.00} refund when they saw the check did not clear. They told her not to send it the payment again and they did not compensate her for the bounce check they caused. A couple of months later they sent a letter to her trying to get her to do a loan modification which she did not want to do. She has made her payments on time ever since but they have since sent her loan to a collection company. She talked to them in the beginning. I started calling every month since XXXX 2022. I have spent hours on the phone with them trying to get this resolved. Every month I talk to a different person who at the end of the call says yes this is not her fault and they will get it fixed. But they never do. In XXXX I talked to a representative and she said the loan had been modified and they would have to redo the loan to fix it. She told me to send an email to them at that time saying that she did not want the loan modified. She just wanted to make her payments. In XXXX I talked to a gentleman and he said he would get it fixed. In XXXX I talked to a gentleman and he claimed the {$3000.00} check was cashed. I requested a copy of her statements and a copy of the cashed check that they claimed was cashed. They have never sent it to us. It seems like they are trying to take advantage of an elderly lady. 
We could use some help with this situation. 
Please let me know who we should contact.
Product: Credit card or prepaid card

My payment is due on the 4th. I paid on the 4th. They are saying it was the 5th. My account on their site shows I paid on the 4th. They charged a late fee on the 3rd before it was due. I went to XXXX XXXX and paid off my account per the manager a week later. Comenity is saying I owe the late fee and finance charge and my account was not paid in full. I shouldnt have a late fee because they charged it before the due date per their website and it shows I paid on the 4th. The due date. They are ripping people off.
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 and Equifax Credit Reporting Agency has 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 and Equifax 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 XXXXXXXX XX/XX/XXXX
Product: Student loan

My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX. XXXX XXXXXXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.