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

These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! 1. XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX2. XXXX XXXX XX/XX/XXXXXXXX XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX and Trans Union credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX
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.

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 maximum 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 contract with my signature on it ) that you have on file for the account 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 account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procudee under 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: Student loan

After previously submitting a complaint, I received a response with incorrect information. I was NOT explicitly told to submit proof of income, otherwise I would have done that IMMEDIATELY after my last call. Please have someone call me ( and leave a DIRECT LINE to call back if the call goes to voicemail ), because I am tired of calling and holding for literal HOURS ( TWO last time ) to speak to somebody to be told incorrect information time and time again. 

( Also, they entered my address incorrectly on the response letter and I verified its correct online so that will likely not get to my mailbox ) My sole income is unemployment insurance benefits. That is {$450.00} a week in California for 26 weeks ( {$400.00} after taxes ). 

To resolve, simply process the form so my payments go to {$0.00}. Also, dont send out expired forms after people call and hold for 1-2 hours to speak to somebody.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Vehicle loan or lease

On XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX, Maryland, because these electric vehicles were for sale in Indiana where I live. The Sales Contract listed the {$30000.00} amount unpaid on the car after I paid {$10000.00} as a down payment. 

I issued a check # XXXX for the {$30000.00} on XXXX because the first payment due amount listed this higher amount as the one time full payoff amount. 

Hyundai Finance issued a second payment due notice for {$210.00} on about XXXX that I paid with check # XXXX. 

On XXXX, Hyundai Motor Finance, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, CA XXXX, issued a {$1.00} check # XXXX to me. 

I emailed Hyundai Finance and the XXXX XXXX, XXXX, MD, dealer, XXXX XXXX XXXX, about the overbilling to me with no response from either party. 

I received a lien release on the loan, but perhaps due to the COVID-19 pandemic, I have not yet received the new car title and my temporary license paper tag issued by the dealer expired XXXX. I paid {$5.00} to the local XXXX XXXX, IN, Police Department to complete a signed VIN number check that they apparently informed the Indiana Bureau of Motor Vehicles via his shoulder radio of his findings. I emailed a copy of the police VIN check form to XXXX XXXX, but I still have no Title and an expired temporary tag.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report, which violates federal law under the Fair Credit Reporting Act ( FCRA ). Despite listing the accounts and highlighting the violations to my consumer report, I have not received a response from any of the bureaus within the mandated 30-day period. Copies of all dispute letters are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account. 

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, XXXX, Equifax. XX/XX/2022. All 3 credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX XXXX XXXXXXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA. 
15 U.S. 1681s 2 ( A ) ( 1 )
Product: Debt collection

I first contacted Equifax on XX/XX/XXXX, about the accounts they are reporting on my credit report being a direct result of identity theft and they have not helped me resolve the matter. I received a letter from the Illinois Department of Revenue notifying me that my personal information was exposed in a data breach, after this incident unknown identity thieves opened several accounts in my name. I notified Equifax about this a second time on XX/XX/XXXX, I made a police report, I contacted the Federal Trade Commission and they suggested I fill out an FTC Affidavit and contact Equifax again. I did contact Equifax a second time on XXXX but Equifax did not help resolve the matter. I have been sending Equifax notarized documents, drivers license, police reports, FTC reports and all other necessary supporting documentation for them to identify me and see that I am a victim of identity theft but Equifax has not helped resolve this matter. It seems that Equifax is wilfully neglecting my rights as a consumer. I have now consulted with a consumer rights lawyer and he advised me to contact Equifax once more. I have done that now and I hope to have this matter resolved promptly. This is the account that is a direct result of identity theft and needs to be deleted. 
XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Balance {$770.00} Date Opened XX/XX/XXXX XXXX
Product: Mortgage

Me and my wife are having a serious problem with our mortgage company that started in XXXX. We reached out to the Dept. of Veterans Affairs VA Loan Technician and they directed us here. We were acquired by this mortgage company in XXXX and have never had any issues with keeping our account current and maintaining credit scores in the mid 700 's to 800 's until now. To make matters difficult, there are no local offices for us to have face to face contact and their online website does not afford us the ability to review our entire account. For some reason, unknown to us, the mortgage company did not pay our taxes in XXXX for XXXX as they had in previous years. In XXXX, instead of realizing their mistake, they did an escrow analysis that showed we had a surplus and they sent us a refund instead of catching their mistake and paying the taxes. They ended up paying our taxes late in XXXX. I then had to contact them on their error and requested that they release my escrow account. We live in Texas where there is no law requiring an escrow account to be managed by the mortgage company. If they mismanage the escrow account, the consumer can request that the escrow account be released. This has happened to us once before and the escrow account was released. They refused to release the account and stated we owed money that didn't add up. We reviewed our account as far as we could and had questions they could not answer. We continued to make payments in XXXX until they refused to take our payments while disputing the mismanagement of the escrow account. I have continued to make the mortgage payment to myself and ready to pay them the correct amount owed but they refuse to correct a mistake that they created. I paid our XXXX taxes without their assistance. I am not sure what other information I need to submit. Please point us in the right direction so we can resolve this issue. We take great pride in keeping our affairs in order. This is our first and we pray last time we will have to deal with a company that refuses to accept their responsibility for a problem they created. It is very disheartening that a consumer is forced to do business with a company that treats its consumer in the manner in which we have been treated.
Product: Debt collection

I purchased a Netspend Card the end of XX/XX/XXXX to use for prior and current year taxes. I noticed my card was missing on XX/XX/XXXX. This exact same day I contacted Netspend and let them knew of the situaution and began with the dispute. I was told that the money that was taken would be deposited back into my account which didnt happen. I faxed over a written dispute letter XX/XX/XXXX. No one contacted me back I had to keep calling requesting to speak with someone. No money was deposited as i was told and as is in the policy. No real investigation was done no camera footage checked or anything. It took over the time that the dispute process was suppose to take and netspend closed my account months later. I contacted the local police made reports contacted the IRS attorney general office did all I can do. I never made any of these transactions or do I have a XXXX area code number. I have been in a finacial hardship causing me to be a XXXX for a period of time. This is insane Netspend did not follow through with their policy that they are suppose to have or give me a full investigation that I should have been given.
Product: Debt collection

XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.
Product: Credit card

XXXX has been calling me over XXXX times every day, they say they are the Reauthorization Dept, I have paid the value pays but they continue to call me. At XXXX point they had turned my account over to collections at XXXX, so I then called them and made a payment to fix this issue. XXXX continues to call. I make payments to my XXXX credit card/Synchrony Bank and make more than the amount due monthly. My credit card is not behind in payments. I am making payments on this credit card, and payments to XXXX XXXX and to XXXX. I am not behind on my bill! I am really tired of XXXX telling me that I am and I want the phone calls to stop.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied and was granted a installment loan with Security Finance, loan # XXXX with my payment due dates on the XXXX of each month. On XX/XX/XXXX my bank XXXX Bill Payment dept. issued a check in the amount of {$100.00} for my loan payment due on XX/XX/XXXX, Security Finance received the check on XX/XX/XXXX. At XXXX of XX/XX/XXXX I receive a phone call from XXXX with Security Finance offering me {$160.00} if I was interested in refinancing my loan, I told her yes and I would come in on XX/XX/XXXX to sign the paperwork, She said great we'll see you then and she would have the paperwork ready for the refinanced loan. On XX/XX/XXXX I went in to Security Finance and received {$160.00} for refinancing the loan, account # XXXX and left the building. Then on XX/XX/XXXX I received a phone call at XXXX XXXX  from XXXX the manager stating that I owed $ XXXX for a returned check from my bank, when I told her they made a mistake she insisted that they were right and I was wrong. I tried several times to explain to her that I didn't owe {$130.00} since I refinanced the loan that the payment in question that they received on XX/XX/XXXX in the amount of {$100.00} was cancelled by my bank XXXX because of the refinancing of the loan. She still insisted I was wrong and she wanted a payment of {$130.00} for the loan payment due on the XXXX plus {$30.00} returned check fee. I made an agreement which I kept and went in on XX/XX/XXXX and paid {$130.00} as requested and i asked for the returned check. The lady that took the payment looked for it and couldn't find it so she called XXXX and then I was told the bank had it. I totally feel that this if nothing else is insufficient check fraud since the returned check i paid for and never received. I would like to have the amount of {$100.00} credited to my account # XXXX since the payment due on XX/XX/XXXX is non-existent due to the loan being refinanced. I've also reached out to their HOME OFFICE in XXXX but as of this date no response.
Product: Debt collection

I pulled my credit report to provide to a loan company to co-sign for purchase of a property. I saw the entry for ICSystem & reported it as an incorrect entry to the credit bureau. Within 2 weeks, I received a notice from ICSystem regarding a XXXX account totaling {$300.00}. I have not had a XXXX account for a number of years & have never received any correspondence from ICSystem or XXXX during that length of time. I believe this is a fraudulent attempt to collect money where none is due or owed. I have requested any/all documentation that exists regarding this alleged balance due.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The XXXX and TransUnion credit bureaus must validate this accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The company is not willing to help with any type of modification, and im becoming more aware that my mortgage was sold to a company who bought it knowing I was behind on my payments. Shellpoint is servicing the loan and i do not know who the investor is. when i started this whole process and was placed on forebearance i was not as far behind on my mortgage as i am now and i keep getting more and more behind. XXXX XXXX XXXX is helping me and a complaint was already filed and it was closed and i did not want it to be.Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my Lexis Nexis report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1XXXX XXXX XXXX XXXX. { Reason for Dispute } __not mine_______ I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

First I am once again notifying you for the XXXX time that my information was impacted by the XXXX  data breach. 

This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. I feel that this is another attack on my character by your company. I feel like your company is attempting to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Credit reporting

I have several accounts, address and work place on my credit report that i did not make or was not aware of them. # XXXX credit account : Capital One Open Date, XX/XX/2012 did not make this account or had no knowledge of said account.
Product: Debt collection

Sunbelt Credit in XXXX XXXX, Texas keeps calling me for a debt owed by a person I do n't know. They keep calling me to see if they can reach him and I have told them repeatedly that I do not know who they are talking about or why they even have my phone number. The calls have been coming for about a year now and each time they tell me they will remove me from the system. I 'm at my wit 's end here. They need to stop. Their phone number : XXXX The last time they called me was today, XXXX XXXX, 2017, at XXXX.
Product: Credit card

To Whom It May Concern : I am writing to file a complaint against CHASE because of their predatory lending practices reporting negative item for last 9 years and selling my social security # and date of birth to XXXX