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

This is the third time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting incorrect information on my credit report. I do not have a balance with these people, I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have own my own home for over 20 years now. This account is fraudulent and I would like to have it removed ASAP from XXXX and XXXX reports.The account # XXXX is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been updating my information and has not been updating and reporting accurate information on on XXXX XXXX as well.
Product: Checking or savings account

I barley used the account and one day I was unable to complete a transfer which then turned into I was no longer able to use the account. My account activity wasnt out of the norm and I only completed online account activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXX Mortgage for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX XXXX pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing. 
I need help please. How can I get this issue resolved ASAP with my credit score?
Product: Payday loan, title loan, or personal loan

This title loan company has opened and closed accounts under different names claiming i owe them thousands of dollars even after they repossessed the car. I told the company the engine went bad and i needed time wit payments they, charged me for a locksmith and took the vehicle. 5 years later this company has open and closed accounts on my XXXX XXXX and XXXX   accounts. I have taken the time out to rectify the issue but they refuse to show me proof of the charges or any records i have my last receipt that shows a five hundred dollar balance. These people have been taking advantage of me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

They have put on my credit report that allegedly I was late in XXXX and XXXX for XXXX of my cards and in XXXX for my other card. I would like these to be updated to PAANL ( Paid as agreed, Never late ).
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer conctract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Money transfer, virtual currency, or money service

Money has been taken out of my account with outnmy permission a multitude of times in the last 7 months totaling up to almost XXXX they refused my mother 's payment shenhas been getting since 2015 to go into her bank account anymore gave us no heads notice and therefo Ultimately consting my my mother the only relitive i have left alive that cared for me. 
Starting on XX/XX/XXXX in the amount of XXXX XXXX thr month of XXXX alone there was XXXX in charges I didn't approve lf. XXXX was XXXX to random XXXX XXXX XXXX to price line. XXXX to XXXX below and XXXX trips to XXXX where i know it wasn't me. In the amounts of XXXX XXXX and XXXX I have asked for help and I've always gone proof and still. Othing.
Product: Mortgage

I filed a prvious complaint ( XXXX ) about my mortgage servicing company holding extra funds earmarked for principle reduction in a non-interest bearing account. It took them five months and your complaint to get the funds applied. The following exceprt from a letter dated XXXX/XXXX/15, that I received from Ditech, " When an account is in active bankruptcy, Dtech can not apply overage payments to principal without court order and trustee approval. Additional funds would need to be considered by the trustee and possily result in a new bankruptcy payment plan. '' Is it Ditech 's perogative NOT to notify the trustee? If this preposterous statement is the truth then they are in violation with full admission of knowledge of the rules by the statement from their letter! The mortgage company ( there have been somany I wold have to research who held he mortgage at the time the of the filng ) was only used in the " means determination '' for our bankruptcy. It was our intention from day 1 to meet this obligation. We did so with 60 consecutive on-time payments to both the mortgage company and the bankruptcy trustee. Our payment plan which we completed sucessfully repaid all of our includeed creditors in full. Recently, I received a telephone call from Ditech collections about a " partial '' payment. They wanted an electronic payment over the telephone with a service charge. The loan that Ditech services assumed was an interest only payment which just recently went to interest and principle. Ditech never notified us of the change. Their claim is that they could not tell us because it would violate bankruptcy law if they contacted us about a debt. The bankruptcy was discharged XX/XX/XXXX and we just got our first regular statement form Ditech. I requested a payment history from Ditech for the bakruptcy period ( 5 years ). They claim that they have only serviced the loan for two years and can only provide a two year payment history. In this age of electronic records it is hard to believe that a payment history would not follow an account from financial institution to financial institution. 
I believe these practices to be both irregular and illegal. To claim that by " magic '' ( without any notification requirement by the mortgage servicing company ) I was supposed to know the new payment amount. This company is an affront to any sense of fair play or customer service. I am dealing with thm with no chice in the matter or any recourse!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.
Product: Debt collection

I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
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I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )
Product: Money transfer, virtual currency, or money service

I have taken all required steps to resolve the Cash App issue on my end. However, I received an email from the IRS Advocate stating that my Social Security # remains linked to the Cash App database, despite me submitting the 1099-K form of my employer 's from Cash App to the IRS, and the issue remains unresolved. For the record, those funds reported, should not have been linked to my Social Scuirty number ; at account setup, I deleted my personal information and setup the account under my employer 's name and EIN number as required. The unresolved issue had led to considerable hardship for me.
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 : I received a phone call from someone claiming to be an employee of Navy Federal Credit Union. An ePromissory Note, Security Agreement, and Disclosure in the amount of {$4000.00} was electronically signed on XXXX at XXXX which I did not sign or authorize. The IP address affiliated with this transaction does not belong to me. I filed a Declaration of Forgery/Fraud which was denied. I submitted dispute paperwork both online and in person. 

XX/XX/2024 : I filed a Security Appeal Form which was also denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian about a bankruptcy that does not exist. I sent in the proper proof and they said that they verified the bankruptcy with the court. I reached out to the bankruptcy court and they told me that they do not verify bankruptcies with the credit bureaus. I asked him to explain to me how they verified this bankruptcy and they told me that the credit bureau told them that a bankruptcy did exist. I have proof from XXXX that there is no bankruptcy on my reports and also I have a letter from the bankruptcy court saying that they do not verify bankruptcies. They are violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.
Product: Credit card or prepaid card

About half a year ago I some problem with my credit report with XXXX, I called them and they told me that I have a balance. That was a surprise to me because I haven't recieved a bill in almost a year. I called and resolved the issue and pay off the balance. I was told that it wouldn't affect my credit. Half a year later, today I saw my credit being affected even worse. I called XXXX and was sent to collections and was told I have a balance of {$2.00}. Apparently this {$2.00} was added on as interest after my account was paid off. There was no bill, no calls or anything to even let me know of this problem. The consumer agent on the phone told me that XXXX does it's billings like that and that they still tackle on a interest even if your account is paid in full. Now my credit is hurt badly for a mistake that XXXX made.