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

On XX/XX/2022 a Hard inquiry was submitted by America First Credit Union. I never consented to this request. I had no prior knowledge of this request until it showed up on a credit monitoring Emil that I received. I recently opened an account with this credit union. I didnt know that my credit was going to be pulled. If I knew that it would be I wouldnt have opened it since I do NOT need any assistance with credit. My score has been impacted negatively due to this inquiry of my credit.
Product: Credit reporting or other personal consumer reports

Since XXXX of this XXXX, Ive had medical hardships due to XXXX and XXXX XXXX  at my XXXX XXXX I requested a forbearance while I been recovering from my temporary medical condition. Ive had no progress dealing with South State Banks  XXXX XXXX department. Im currently appealing the denial of my forbearance request for the XXXX  time. I am still going to physical therapy XXXX XXXX  a XXXX  and have not been released by my XXXX  doctor to return to work. During the forbearance request, I have been hounded relentlessly with calls from South State Bank wanting me to make my XXXX payments while I have been out of work and recovering from my medical hardships. During this whole process to get a forbearance, being denied, and going through the appeal process South State Bank has been ruining my credit by reporting XXXX  mortgage payments for XXXX XXXX  to the credit bureau. My XXXX  payments are XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are incorrectly reporting : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( TU ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX   XXXX  XXXX
Product: Credit card

I WOUL DLIKE TO SEE THE UNAUTHORIZED HARD INQUIRIES BE REMOVE FROM MY CREDIT REPORT. EQUIFAX WAS ASKED BY ME TO DO SUCH ACTIVITY AND IT WAS REFUSED. THE FOLLOWING INQUIREIS ARE ADVANTAGE CREDIT ON XX/XX/year> AND CREDO ON XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Equifax. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be 120 days late, 150 days late, XXXX XXXX XXXX XXXX, and then back to 120 days late.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was advised by XXXX XXXX and the VA , that I  had to payoff the loan that I had through XXXX XXXX XXXX in order for the loan to go through. I contacted Avant to get payoff on Friday, XX/XX/XXXX and they gave me the amount of {$3600.00}. At that time I advised the authorized to draw the funds from my bank account. Little did I know at the time, they only drew out {$3500.00}, which was short one payment off {$140.00}. On XX/XX/XXXX, they contacted me and advised that I was late on my payment. I contacted them to advised that I had payed the loan off. They in turn said that I had not. We have gone back and fourth and they still claim that I still owe them. They have already contacted the three credit bureaus and left me with a low credit score. I contacted the Attorney General of the State of Ohio, and they advised that it was a predatory loan, but could not do anything because they need more complains in order to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this grievance as I had my credit pulled and was surprised to see a collection from BERLIN WHEELER still reporting to the credit bureaus which has dropped my XXXX  scores significantly. I was alerted to this collection by my credit monitoring site. I received no phone calls or contact via USPS mail to confirm this collection was mine or valid prior to it updating with the credit bureaus. In hindsight, due to this I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial communications/notifications regarding the debt. I reached out and addressed the balance in good faith with the intent and understanding the collection was going to be deleted from the credit bureaus, yet it was only updated to paid status which in turn did not restore the XXXX  points I lost ( over 100 points ). This collection must be removed from the credit bureaus post-haste due to erroneous collection practices & dishonest communication. Timing is of the essence. 



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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fair Collection & Outsourcing, amount of XXXX. I have sent Fair Collection & Outsourcing a debt  validation and Fair Collection & Outsourcing has not responded. Fair Collection & Outsourcing also reported this to all 3 credit reporting agency with validated the claim. I also have no knowledge of this account and I also have no knowledge of the original creditor
Product: Student loan

My Navient account was reported missed and delinquent 90 days in XX/XX/XXXX. It was wrongly put into repayment when I specifically requested a forbearance in XX/XX/XXXX meaning XXXX wouldnt have been in repayment until XX/XX/XXXX. I sent two certified letters to the Navient credit Bureau because they only accept letters. I sent one in XX/XX/XXXX and XXXX XX/XX/XXXX. I was told via a customer service manager that the bureau has 30 days to respond. However they have yet to respond to either letter. My complaint is that this company are crooks. They destroy lives and credit. And their business practice is unethical. I have a incorrect credit report with no way of fixing it.
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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

Experian To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late.

It is my understanding that you must validate these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. 
Thank you for your time and help in this matter. 
Sincerely,
Product: Debt collection

Below I have posted proof of conversation about the debt that Im stating doesnt belong to me
Product: Checking or savings account

I use online bill pay. I established a new recipient within my banking system on XXXX XXXX, providing all required data ( e.g., account info, address, phone, etc. ). I scheduled a payment and noted the " due date '' was XXXX XXXX. My expectation was the check would be received by the recipient within a day or two of XXXX XXXX, understanding that XXXX XXXX is a Friday and perhaps mail would be delayed by a day or two. On XXXX XXXX, the recipient emailed to note they had not received the check. I called the bank to inquire. The bank confirmed the recipient was established on XXXX XXXX and a check was issued and mailed via US Mail on XXXX XXXX. On XXXX XXXX, I will incur a late fee penalty, unless I pay electronically at additional expense. This " delay '' in check receipt has happened at least three times in the last two months. My primary complaint is that I established a due date based on my billing cycle and communicated that to the bank. The bank established when a check would be sent to achieve that due date ( within reason ). However, the system isn't working well and the bank is essentially shrugging their shoulders and blaming the US Mail. The bank did agree to pay any late fee ( if requested ) after they conduct an investigation. Which means I would have to initiate that for each occurrence and hope they accept responsibility - I have my doubts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Below is a direct quote from XXXX. 

" Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate and that we report payments as we receive them. We previously confirmed in our letter dated XX/XX/XXXX, a copy of which we have enclosed without the original enclosures, that we are reporting accurately to the credit reporting agencies. Our latest review confirmed our credit reporting is accurate. 
We are not able to assist with your additional concerns with XXXX. We recommend you contact them directly for more assistance. After reviewing your inquiry, we found no instances of deceptive tactics. We confirmed we applied your payments as we received them. Our credit reporting is accurate. '' Please explain in detail how XXXX is reporting accurately. 

XXXX shows XX/XX/XXXX as 60 days late Transunion shows XX/XX/XXXX as 30 days late It took me exactly 3 minutes to look this up. Is that what accurate means? You report 30 days to Transunion, and then you report 60 days to XXXX? THAT IS ACCURATE REPORTING? 

XX/XX/XXXX Transunion reported 30 days late, and XXXX reported 120 days late. THAT IS ACCURATE REPORTING? 

XXXX reports payments made for XXXX and XXXX of XXXX plus XX/XX/XXXX ( 3 months in a row ), then out of nowhere 60 days late in XX/XX/XXXX. How is it possible to make 3 payments in a row and then have a 60 day late payment on the XXXX month? 


No deceptive tactics? XXXX literally closed my XXXX checking account in XXXX and held thousands of dollars, hostage, for 3 months, preventing me from paying on my mortgage. It was somewhere between XXXX That's not deceptive? 

XXXX stated on their insurance claim website that they would send me multiple payments to pay off my roof. MULTIPLE. Then refused to send me the first payment after I got someone to come out to CONFIRM it was done. XXXX forcing me to pay the contractor who did the roof out of pocket preventing me from making my mortgage payment on time. That is not deceptive practices? 

Please explain. Don't give me a cut-and-paste answer either. 


Delinquincy date of XX/XX/XXXX. Really. That's accurate? The account was never brought up to date, which makes it impossible for that to be the delinquency date. Yes deceptive tactics to keep this on my credit report for another 5+ years.
Product: Debt collection

Hello, I randomly received an alert a few minutes ago from my credit monitoring that there was something " potentially negative '' that just hit my credit report. Confused, I checked and upon checking, there was a false debt put onto my credit report. It says the debt was opened XXXX XXXX by the company Radius Solutions LLC. It says I have a collection amount of {$570.00} past due as of XX/XX/year>. It also says that the status was updated XX/XX/year>. It also says that the original creditor was At & t but there's nothing after that. I'm not sure who this is and where this random debt came from. I received no phone calls, emails, or physical mail notifying me of this debt either from either an original credit or the debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX specifies the rules for debt validation notices. No one contacted me about said debt ( although it isn't mine ). Nonetheless, this needs to be removed because it is fraud plus no one even contacted me before putting this on my credit report illegally.
Product: Credit card or prepaid card

I have n't had a late payment in almost 2 years wanted to get theses removed I have paid off the account
Product: Mortgage

Hello - My name is XXXX XXXX. I have been with My Loan Care since XXXX and it is always an issue with this servicer. They purchased my loan a few years ago and I was originally with XXXX. They constantly causes my insurance to lapse due to their lax policies on payments and this was an issue last year and an issue again. What can I do to prevent this from reoccuring or can I switch to another servicer since this is a Fannie Mae loan? I have asked on numerous occassions to remove PMI as I have been paying that since XXXX or to modify the loan to a lower interest rate. They never respond to inquiries or anything. 

XXXX XXXX
Product: Student loan

I was not offered federal money instead of taking out private loan money. Also, first XXXX just lowered it to 50 % but the loan is almost paid off. Its a little to late. They haven't emulated balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX Syncb belk {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX  XXXX {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX
Product: Vehicle loan or lease

Working with Capital One Auto Finance on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2014. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX and XXXX are still showing this account of report.
Product: Debt collection

Multiple calls during the day from Credit Corp solutions inc saying they were collecting a debt. I do not answer the call anymore. I have never received anything Stating I owed a debt. I was notified by attorney advertisement that Credit Corp Solutions inc has a lawsuit against me through small claims court. I have not received anything from the courts. I also do not see this company on my credit report as a debt.
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. 

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

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
CXXXX 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: Debt collection

Commonwealth Financial, located at XXXX XXXX XXXX, XXXX XXXX, PA, XXXX ( XXXX ) XXXX, reported a debt in the amount of {$610.00} on XX/XX/XXXX.

Date of first Delinquency was in XX/XX/XXXX. I became Medicare eligible in XX/XX/XXXX-and provided said proof.

This company RE-AGED the debt on XX/XX/XXXX-impacting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

These accounts I am demanding your PROOF, you legally HAVE to provide to me. 

1. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) and this account is not showing up late on my Experian report, just my XXXX and XXXX 3. XXXX  XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. 
You have failed to provide any PROOF of validation to me. 


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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$290.00} ; CXXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/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 appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.