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

I have not given Equifax permission to appropriate my name and/or likeness. Equifax has not compensated me for using my name and/or likeness in a commercial capacity for gain, and therefore, they are required to remove everything from this credit profile that i demand as it violates consumer protection laws, privacy laws, and federal and state laws and statutes. 
1 ) I have demanded several times for Equifax to remove ALL addresses except for the address that I've provided, which is my current address. The most recent time was XX/XX/2021. I had this letter served to their registered agent, XXXX XXXX, by a process server on XX/XX/2021, because their attorney, XXXX XXXX refused service on XX/XX/2021. We are currently in litigation in the United States District Court docket # XXXX. There is no permissible purpose by law for Equifax to continue to list addresses that are not mine and that I have not given them permission. ( See attached screen shot of the addresses, and letters ). 

2 ) On XX/XX/2021 and XX/XX/2021, I sent notice to Equifax to remove the " Fraud Alert '' from my profile as it is blocking me from being approved for and using my credit. This was also provided to their attorney, XXXX XXXX. They have failed to remove the " Fraud Alert '' to-date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Back around  XXXX  of  XXXX , I learned that I had an account with  XXXX   XXXX   XXXX     XXXX  for which {$300.00} was due. I understand that   XXXX   XXXX   placed the account for collection with  Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies.     I contacted   XXXX   XXXX   directly, explained I did not get any final bill or other notification, and paid   XXXX   XXXX   the {$300.00} they said was due.   XXXX   XXXX    said they could contact  CPA and in struct them to delete the tradelin e CPA had   previously reported, not just mark it as paid.     As of  XXXX   XXXX ,  XXXX , the tradeline is still being reported to the major credit bureaus, such as  XXXX  and  XXXX   XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK NORTH AMERICA / THE HOME DEPOT. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Account Verification & Consumer Protection Department by the name of XXXX and XXXX. It was extremely difficult to obtain any information from them. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK NORTH AMERICA / THE HOME DEPOT immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK NORTH AMERICA / THE HOME DEPOT is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Product: Mortgage

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XX/XX/XXXX To Whom it may concern, I have a Mortgage with Rushmore Loan Management services due to my account being transferred from XXXX XXXX on XX/XX/XXXX, I am having trouble with our monthly statements being accurate. The statement for XX/XX/XXXX shows the amount owed is {$7000.00}, This is incorrect I spoke with XXXX @ Rushmore he states we are behind 2 payments in XXXX and XXXX, both these payments have been made I attached to this complaint. Our payments are always made in the amount of {$2300.00} and are amount due is {$2200.00} we are paid over each month. 

I am currently in a XXXX  XXXX bankruptcy for a total amount of {$17000.00} since XX/XX/XXXX to date I have paid {$16000.00} amount still remaining {$1500.00}. This amount is also incorrect and it is very important that our monthly statements are up to date and reflect an accurate amount due on our monthly statements and credit reports. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent a XXXX  day letter to XXXX accounts on my credit burea requesting validation and proof that debt is mine via certified mail. 

Self financial XXXX XXXX ( XXXX report )
Product: Debt or credit management

In XXXX I received marketing saying I was pre-approved for a debt consolidation loan. Through my divorce I racked up about $ XXXX in debt. This loan was supposed to consolidate it and help me get out of debt. I was denied and then got a call from Strategic Financial Solutions saying that they can pay off my debt for a fraction of what I owe. I am not their normal client as I earn over $ XXXX. Once I sent them everything they walked me through the contract. I knew that I was going to have to pay a retainer fee for XXXX XXXX and I was fine with that. It was a bi weekly draw of about {$1800.00}. Never anywhere did it state that {$1100.00} of that draw went to Strategic Consulting. In XX/XX/2024 I got a notice that they are under investigation. I figured I would look at the holding account and when I saw that after 5 months I only had {$3000.00} in there is when I requested that money and closed the bank account. My credit score that was XXXX is now destroyed because of their guidance. I want my {$8100.00} back and I will negotiate my debt myself. Please let me know what else you need from me.
Product: Credit card

I saw a large charge on my PayPal by Synchrony credit card for {$3600.00} from a random merchant in New York. I saw that it shipped and it asked for an indirect signature, XXXX signed it and there is no picture proof of delivery. 

I tried to contact the merchant but I got no response, it is called " XXXX XXXX '' so I did a chargeback with XXXX. They replied with a boilerplate response that tracking was attached and would not help I called to appeal and they also denied the appeal. This has been going on since XX/XX/year> I will not pay for this charge and need this refunded, this is fraud and I did not receive anything.
Product: Credit reporting or other personal consumer reports

Hey good day for the past weeks I have trouble getting a loan due to 60 days late payment on my credit report ; I am requesting a goodwill if yall can kindly remove this from my credit report due to my consistent on time payment for the last 5 months or if its possible you delete this account from my credit report this is tradeline : XXXX XXXXXXXX XXXX an installment loan Account number : XXXX it is a credit builder account. Late payments were XX/XX/XXXX and XX/XX/XXXX. 

Thanks in advance
Product: Mortgage

In 2015 me and my husband filed bankruptcy but we did not file against our home. But since then Wells Fargo has not been showing on my credit report that I have been making my payments every month. They are saying on my credit report that I filed against them but didn't. I have spoke to different people multiple times and always get told they would fix it. I even got a letter one time from Wells Fargo saying that while doing a audit they noticed that they weren't reporting my payments and would get it fixed and yet my mortgage is still not showing on my credit report. I have been in my home for 12 years and would like my credit report to show that. Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. 
Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Product: Credit reporting

XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about SYNCB/PPC. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Mortgage

Complaint Summary : I am submitting this complaint regarding PennyMac Loan Services handling of my forbearance plan and related credit reporting. Despite clear assurances in the written agreement and verbal confirmation from their representatives, PennyMac has reported my mortgage account as late during the forbearance period, negatively impacting my credit report. 

Background : XXXX. On XX/XX/XXXX, I received approval for a XXXX XXXX XXXX ( attached ). The agreement explicitly states : Upon entering into the forbearance plan, your loan will be reported as Current and on a forbearance.

2. I also spoke with a PennyMac representative who assured me that as long as I started repayments in XX/XX/XXXX, no late payments would be reported to the credit bureaus. 
XXXX. I have complied with the agreement terms, yet PennyMac has inaccurately reported late payments on my credit reports, causing harm to my creditworthiness.

Issue Details : PennyMacs actions directly contradict the written terms of the forbearance agreement and their verbal assurances : The agreement clearly specifies that loans under the forbearance plan will be reported as current during the plan period. 
I acted in good faith, relying on the terms of the agreement and assurances from PennyMac representatives.

Despite this, the late payment status has been reported, damaging my credit score.

Requested Resolution : 1. Immediate correction of inaccurate late payment reporting to all credit bureaus.

2. Written confirmation from PennyMac that the reporting has been rectified.

3. An explanation of why this reporting occurred in contr
adiction to the forbearance agreement and verbal assurances.

Supporting Documentation : 1. Attached forbearance agreement, highlighting the relevant section on credit reporting.

2. Notes from my conversations with PennyMac representatives.

PennyMacs conduct is both unfair and deceptive, violating consumer protection laws and undermining trust in mortgage servicing practices.

I request your assistance in ensuring that PennyMac remedies this situation promptly.
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 

Your agency is in violation! 
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 has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on mycredit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fied a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Wells Fargo Credit card was paid off years ago and closed and is now showing on my credit report showing as an active account with an owed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$2300.00}. 

Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt. 

Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
Product: Debt collection

Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information is fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. XXXX XXXX keeps telling me that I need to contact XXXX for remittance of payment, but XXXX said that the account has been sold to Amsher and I need to refer to their office. Amsher keeps referring me to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX refers me to XXXX. It has been difficult getting in touch with someone. I am concerned that this account appeared on my credit report and it was incorrect and didn't belong there. This seems fraudulent. I am planning to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX COL XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}
Product: Checking or savings account

Truist closed my account, explanation from them suspicious XXXX payments... i received a letter saying they would send me a check for remainder balance 7-10 business days after XXXXthat time passed and i called again, i was told a XXXX  payment XX/XX/25 on hold and to call XX/XX/25 ( today ).. 

Now today they are telling they will not issue a check to me... but i ahve to go to nearest branch to sort repayment of funds which is 250 miles away ... a 8-9 hour round trip... 
This is ridiculous, never had this trouble before.. 

They have my passwords ..my ssn ... my mailing address..my security questions ..driving a whole day to sort this out is uncalled for
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple XXXX XXXX  because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
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 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  has violated my rights. Or 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.