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

There is an address on my credit report that Ive never resided at. This same address was used to commit fraudulent acts under my name. This address being attached to my report only makes me liable to get my identity stolen AGAIN. How are the only credible sources for this address the 2 things on my credit report that WERE NOT ME? I never resided at that address, never had a bill attached to that address, if you call the leasing office they even say I am not in their system meaning I never resided at their residency. I have the right to an accurate credit report and my credit report has not been accurate since XXXX and Experian is to blame I have addresses that arent mine, accounts that arent mine, and up until this year I had a XXXX credit card that was opened in XXXX attached to my report. Im only XXXX! And despite it being obvious that these accounts arent mine or are failed identity theft attempts the bureaus will NOT help me. Imagine being held back by somebody elses actions. I even have inquiries on my report about a car.. Ive never even had a vehicle before. Its been 4 years of battling Experian and trying to get these bureaus to do right by me and they will not. I even have a XXXX student loan opened up in my name that they refuse to take off when all they have to do is call the school and confirm that I was NEVER enrolled there. How could I be enrolled in school in Pennsylvania and Im clocking in to work in Texas??? Matter fact if Ive been in XXXX since XXXX and this loan was opened in XXXX of XXXX and Covid was going on therefore how did I attend school? I never signed for any loans I stopped going to college in XXXX and even then all my loans were paid off and never more than XXXX and they were for a completely different university AND my mother set them up for me. They literally stopped letting kids go to school if it was out state for a year and a half but supposedly I was in PA.. and if I was going to school online it would be easy as XXXX to prove but they cant why?? Because its NOT MEEE!!!! Experian is lazy they give these fake XXXX investigations because they dont care and they dont want to actually work. It wasnt always like this I remember when they actually used to be on top of stuff. Maybe one day theyll try again but until then I need CFPB to help me get my report back together so I can get my life together. Im owed that much this has been an ongoing problem that has cause significant burdens in my life.
Product: Credit reporting or other personal consumer reports

I made payment that the XXXX people asked for They then showed a 60 day late. without any 30 day lates. 
I oaid what they asked for on the day. XX/XX/2024. and got a confirmation that I sent them. 

They still say it was a late payment They have made multiple mistakes with payments on both my accts over the last two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting you about the credit reporting agency : LexisNexis XXXX  XXXX XXXX. XXXX XXXX XXXX, GA XXXX. The agency have reported the bankruptcy on my credit report which was not validated through the bankruptcy court itself. I've received a letter that the bankruptcy court has not and does not validate bankruptcies. I've ask them for a letter to verify this bankruptcy. I was not provided with one. 
Report Date : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Equifax has published inquiries on my credit report illegally. I have filed a complaint with the FTC and made an identity report. According to 15 USC 1681 I, E, B a consumer is entitled to a fair credit report that is truthful. These inquiries were NOT made by me and MUST be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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

garnishment and false judgement no notification prior to garnishment filed a fradulent judgement with no notification or contact
Product: Mortgage

In an attempt to pay down the principal balance on our mortgage, we have been paying extra money on our mortgage payments. Wells Fargo, however, is not applying the payments to our mortgage or even to the account at all. They are holding the money as " unapplied funds ''. They claim they can do this as we are allegedly a month behind ( we are n't ) and the deed of trust says they can do this. We have been unable to find where this alleged language is in our deed of trust. We have told them to apply the funds to the principal balance or to refund the money to us. They have continued to hold the money as " unapplied funds '' while charging us late fees. We have read the Deed of Trust which they refer to in their X/XX/17 and can not identify any language saying they can hold this money. Wells Fargo continues to send us monthly statements showing they are holding this money that we have sent for application to our mortgage payment. There is no reason for this money to not be applied to the account, especially if, as they allege, we are behind in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a gentleman who is a lender for XXXXXXXX XXXX 
I explained my auto him and after speaking he advised me to wait a few more months before applying for a mortgage. 
I never authorized a hard pull on my credit by XXXXXXXX XXXX at that time and they pulled it anyways after advising me not to apply and sent me a denial letter for a mortgage I never applied for. 
They told me there was nothing they could do to reverse a hard pull and did not care at all that this affected my credit score. 
Ive also had unauthorized hard pulls from an auto finance company.
Product: Mortgage

I requested and placed my home loan into forebearance in XXXX of last year. At the time I had just brought the loan current XX/XX/XXXX. I called my servicer to end forebearance and reinstate my payments in mid XX/XX/XXXX. I asked for a partial claim/ junior lien . The service rep on the phone kept asking would I liked to try for a no doc COVID loan modification. I said if it would lower the payments that would work great. At that time I was denied a COVID loan mod or partial claim and told I had to submit a full application for a regular modification and wait for approval. I called FHA to verify that I qualified for a partial claim, and called my servicer back. I was again denied and told it was because I was 30 days late on XX/XX/XXXX. I sent the information I received from FHA via email to my servicer. I have made more five phone calls, they continue to insist I fill out a loan modification to be considered for a partial claim. On XX/XX/XXXX I received a letter stating my options are refinancing, a loan modification, forebearance or foreclosure. They put a letter on my account saying I defaulted on a trial payment plan, I never applied for or was told I was approved for? I am scared they are trying to take my home.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no knowledge of them, and the company conducted them without my consent.
Product: Credit reporting or other personal consumer reports

I did not apply for ny of these accounts XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve the issue of Identity Theft and submitted several FTC reports # XXXX and Equifax has failed to block these items on my credit report, under the FCRA section 605B. They stated these items came back verified back on XX/XX/2020. I have since submitted FTC reports and of course if someone stole my information!! They haven't responded and its been over 30 days. I am doing everything to protect myself. I do not feel protected or supported by this company. This is a direct violation of my rights as a consumer. 

My 2nd issue is the response to my previous complaint with CFPB # XXXX. They never resolved my dispute with the bankruptcy. They keep giving me the bankruptcy court address and number but not my personal information linking the bankruptcy to me. Under the FCRA I have the right to request the description of the procedure used to determine the accuracy and completeness of information an they have failed to provide this information. My full name, full social security number and amount of money included with the bankruptcy and my address. I recently received a letter from the bankruptcy court stating they do not provide personal information to third parties. I submitted this letter with my dispute with XXXX.
Product: Mortgage

JP Morgan Chase has illegally filed a negative report on my credit that is not true or accurate. I 've been disputing a missing mortgage payment for {$3700.00} plus late fees that accrued since XXXX. Chase finally, after me sending in proof of payment to Chase from XXXX XXXX XXXX, updated my records but it took nine months and three complaints to the CPFB to get them to listen. 
Chase told me my banking records and illegal late payment fees would not affect influence my credit score when I asked them but I was recently denied a loan because of it. Chase writes in my credit report that I have a Maximum Delinquency of 30 days in XXXX for {$4500.00} and in XXXX for {$4600.00} which is not true or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING THE ACCOUNT # XXXX WITH OUTSTANDING BALANCE, WRONGFUL DATE OF EXPIRATION AND REPORTING THIS AS A REVOLVING ACCOUNT WHEN IT IS A MORTGAGE. ACCOUNT IS TOO OLD TO BE ON FILE HAS PASSED A 7 YEAR STATUTE OF LIMITATIONS AND IS IN VIOLATION OF FCRA RULES AND REGULATIONS REMOVE THIS FROM MY REPORT IMMEDIATELY AND ACCORDINGLY I HAVE CONTACTED XXXX XXXX XXXX SEVERAL TIMES WITH NO LUCK, NOW THEY HAVE CHANGED THE STATUS OF THIS ACCOUNT TO FORECLOSED WITH EXPIRATION DATE OF XX/XX/XXXX WHEN IT WAS REPORTING XX/XX/XXXX AND THEY ARE REPORING SAME ACCOUNT DIFFERENTLY TO THREE CREDIT BUREAUS ... THIS IS A VIOLATION OF FAIR CREDIT REPORTING ACT AND A VIOLATION OF FAIR COLLECTION PRACTICES. I 'M DEMANDING XXXX XXXX XXXX TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH FCPB AND FTC RULES AND REGULATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reported for suspected fraud activity and my bank accounts in XXXX XXXX XXXXXXXX were closed. Two accounts that my uncle and I had opened in XXXX, which he is the primary signer on both. Unfortunately we ended up being victims of fraud in XX/XX/XXXX. I was attempting to sell a vehicle posted online and the person interested in buying was in Florida at the moment, he said he was going to send the money using online transfer, but without my knowledge he went to an ATM and deposited 2 checks into the savings account. The total amount deposited was {$24000.00} USD. As soon as the bank released the hold on the checks he contacted me because he said that he made a mistake and sent too much money. I returned a total of {$18000.00} USD, which was done by transfer in a branch of XXXX XXXX XXXX in New York, and also with Zelle. Shortly after the Bank contacted me by email stating that the account balance was at critical low risk, this was because the checks deposited into the account were fraudulent and they bounced. Then we began calling the bank, making claims and also reported to the police. XXXX XXXX XXXXXXXX took immediate actions by closing our accounts and reporting us to 2 Consumer Reporting agencies, these are : XXXX XXXX and Early Warning. I disputed with these agencies on XX/XX/XXXX and sent supporting documents, on XX/XX/XXXX I got a positive response from XXXX XXXX, they proceeded to clear and delete me from their records, but Early Warning didn't do the same, they said that the information was correct and would remain on their records. Now 3 years later I requested an updated consumer report and noticed that the information still remained on the report, which is so disappointing because this is a negative situation that affects me. How can the bank and Early Warning accuse me for account fraud? I was a victim of a crime and have a police report that states so. The detective also forwarded the case to the FBI because he classified the crime as Grand Larceny. I tried again to solve this situation with the agency but they say that I can't dispute again. So I really hope that this complaint I'm sending will help to clear my negative report from this agency ( Early Warning ).
Product: Debt collection

" XXXX " Medical Revenue Service has refused to present me my HIPAA AUTHORIZATION for acct XXXX. 
Medical Revenue Service has violated my HIPAA rights. This account must be immediately removed from my credit report or I will sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account #, XXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, 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: Mortgage

Fay Servicing who is the servicing lender of my mortgage loan # XXXX has continually delayed posting payments to my account until after the XXXX of the month and have so far charged me two late fees when in fact the payment has arrived on time prior to or on the XXXX of the month. I use my Bank 's bill payer service to send payments and they have a guaranteed delivery date of on or prior to the XXXX of the month. Fay Servicing delays posting these payments and does not post based on the day they receive the mail and waits several days to post. Most recent payment was sent out by my bank on XX/XX/2019 for guaranteed delivery by XX/XX/2019 and Fay Servicing did not post the payment to my account until XX/XX/19. They charged me a late fee of {$97.00} and I feel it is unjust. Fay Servicing has said they will not refund the late fee and that is not acceptable to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Vehicle loan or lease

My dad co-signed a new car loan for my daughter in XXXX. In XXXX he refinanced it as a used car loan without her knowing. He was put into the hospital in XX/XX/XXXX and found to be incompetent due to advanced XXXX. He needed a guardian and to be placed into long-term memory care. I received guardianship in XX/XX/XXXX I reached out to the bank that holds the loan and they would not discuss the car with me. They wanted POA even though I explained the courts said he was found incompetent and the guardianship would trump that. He passed away in XX/XX/XXXX, after giving them the death cert and proof of being the administrator of his estate that is when I found out he had refinanced and did not add my daughter 's name to the new loan. The DMV still has them both listed on the title and she has XXXX after her name. The company has made us jump through hurdles and gave us the runaround. We were told we could offer a settlement but were declined because it wasn't as much as they wanted. We were told my daughter could refinance the car but was declined because she is on XXXX. Finally, they agreed to allow her to continue the payments and if she made 6 consecutive payments they would remove the loan from being charged off and in collections to a reg loan. She made her 1st payment XXXX XXXX the same day it was set up. Three weeks later we received an email saying that the program had been discontinued last XXXX and they would send the payment back, which they haven't and if she didn't refinance the loan by XX/XX/XXXX they would have to repo the car. None of this would have happened if they had honored the court guardianship and the docs I provided. The last payment was made XX/XX/XXXX the same month my dad went into the hospital. When I got guardianship in XXXX the payments would have only been 2 or 3 months late and I could have made the payments to keep it out of collections. My daughter tried to call in XX/XX/XXXX to inquire about the payments and they refused to speak with her.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a contract for Solar Panels on my XXXX Florida home through Dividend Solar. Part of the contract was a performance guarantee, which stated that the solar panels were guaranteed to produce a specific amount of energy, which could be monitored via a mobile application. 

Within days after the install, I noticed that the solar panels did not produce nearly the amount promised by the company. I contacted the company, who sent a technician out to check the panels. 

I have hundreds of emails saved documenting all of the hours I invested attempting to get this issue resolved. 

I have the original signed contract, which states " If, for any continuous twenty-four ( 24 ) month period during the Guaranty Period, the Actual System Output is more than fifteen percent ( 15 % ) below the projected total in kWh of the Estimated System Output for the same twenty-four ( 24 ) month period, as set forth in the Work Order related to the PV System, Contractor shall be obligated to cure any shortfall such that Actual System Output is within ten percent ( 10 % ) of Estimated System Output going forward. '' In XX/XX/XXXX, Dividend finally sent out XXXX XXXX, an independent third party to assess the situation. The findings of the third party were that the solar system that was installed was inadequate, and would never produce the amount of electricity guarantied in the contract. 

I discussed the findings with Dividend, and they indicated that they had no intention of replacing the solar panels with the correct ones. At this point Dividend charged off my loan and it destroyed my credit. 

I have contacted XXXX, and filed a dispute, since this was clearly a breach of contract case. XXXX closed the dispute, and the negative entry still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the banks associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. 
Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. 

XXXX OF XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX