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

Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now XXXX a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I XXXX  put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing XXXX. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Payday loan

I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to dispute negative items on my credit report on XX/XX/2022 and TransUnion responds with an illegal stall letter that I am attaching copies of. I as a consumer have the right to dispute anything on my credit report and by law they have to do the investigation. This is not the first time they have sent this illegal letter. I am hoping that since they do not want to do their job maybe the cfpb wants to do theirs and make them do the investigation. The letter was sent to me on XX/XX/2022 so they have until XX/XX/2022 to either investigate and or delete the items I am disputing. I do not want this to go to litigation I simply want them to stop playing games and do their job. The first letter is the stall/I ain't gon na do my job letter the second letter is what I mailed to transunion
Product: Mortgage

I took out a home equity line from XXXX XXXX  which was originated and serviced by a third party on their behalf. Everything was fine for some time but then I noticed an approximate $ 10k increase in the account that was not accounted for. I repeatedly tried to get information on it through their online system and through talking to them on the phone. I requested a copy of any proof of disbursement and they would instead send me statements or other stuff that wasn't what I asked for. Each time I was told it would take a while to fulfill my request so months would go by and I would receive nothing or I would receive something I hadn't asked for. Eventually XXXX moved the servicing around so I could no longer get into that system and had to track down who was servicing the account. They also didn't process a change in address I had provided so they were not mailing to my new address. As I was disputing the balance with them, XXXX sold the servicing again and I received two different letters one saying it was sold and then another saying it wasn't but then started getting messages from Specialized Loan Servicing. I tried to talk through the issue with them and got no response until I finally reached out to their president. I let him know of the dispute, the fact they were violating my FDCPA rights trying to collect without addressing the dispute and violating my FCRA rights reporting it as not paid when in fact I had been making payments to XXXX  and disputing the balance. The President of SLS said he would have someone look into it but nothing was done until I repeatedly reached out to him. At that point they again kept sending me documentation that wasn't what I asked for and informed me that XXXX had not provided them with the full documentation for the file. I went to XXXX  noting that someone needed to get me the proof of disbursement or I was going to report all this to the CFPB and they informed me that the third party they  had originating and servicing the loan did not have full documentation for my loan and a number of others. I requested the $ XXXX be credited back to the loan and XXXX said they could not do that because they sold it. I informed the President of SLS about what I found and he went silent. I also asked him about a payment I made which was returned to my bank and he said he would look into that. He's never gotten back to me although I've reached out to him a number of times and no response. Someone named XXXX from their escalation department called me while I was out of the country and I returned her call but she is not returning my calls and no one at SLS is doing anything to address all this but still has collection people calling me in violation of the FDCPA. Further they continue to report derogatory information on my credit bureau and even reported to the credit bureau they had resolved the issue with me which is clearly not the case. They have had a huge negative impact on my otherwise stellar credit report which has caused significant financial harm to me as a result of the violations of XXXX and SLS of my rights under the FDCPA and FCRA.
Product: Checking or savings account

On XX/XX/XXXX my account was negative XXXX XXXX. I went in the they made me make a deposit of XXXX. Which brought my account out of the negative. My direct deposit and my IRS Taxes came around the same time. IRS state came on XX/XX/XXXX and my federal taxes came XX/XX/XXXX. Which totaled 6,000. They notified me that I was a risk to the bank. My direct deposit came on XX/XX/XXXX. My uncle passed on XX/XX/XXXX. I was attempting to pay for the funeral and move. I am XXXX now that they have held my money so long. I went in the bank roughly 3 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to attempt to get my money. They was about to hand it to me then someone else walked up and said we dont want you walking around with this so we just going to issue a check. I have been waiting on my money out of Huntington bank for bout 2weeks. A person on the phone said my account was not flagged or anything and to walk in the bank and get the money. They keep lying and giving me the run around about my money. I have became XXXX my uncle wasnt buried, and I have been struggling with them just holding my money because of risk to bank. IRS ( government ) money shouldnt make me risk to bank or that bank just isnt for America. Everybody gets taxes and I use the account for direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items in my report 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 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 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 XXXX - XXXX Account Name : XXXX - XXXX 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, credit repair services, or other personal consumer reports

I ran an Equifax Credit Report and it showed that I have 10 loans out in my name : XXXX XXXX XXXX. I never took out any reports. They are all fraudulent loans that I did not take out for myself or anybody else. Please investigate this Identity Theft or Fraud on my Credit Report and find out who is illegally applying for loans using my name. Please inform me of what I need to do to remedy the situation.
Product: Debt collection

i checked my credit today and found that this company reported me without even trying to contact me i have dispute this debt with other collection agency at one point thru cfpb but they continue to harass me i have several issues with this company also
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim of a cyber hack or identity theft. this non-account holding inquires with : Klarna, INC is shown on my XXXX consumer credit report as ( KLARNA/XXXX ) and with a date of XX/XX/2020. Klarna , Inc. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. This hard inquiry is NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
Please see below the summary of the accounts that are needs to be correct or update immediately. 
XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$2100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$5600.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$8000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$940.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$14000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$4100.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$25000.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is allowing false information report on my credit file. I have been the victim of fraud and identity theft in the past. they are allowing 3 accounts to report falsely : XXXX XXXX XXXX, XXXX  XXXX , XXXX, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I went over my Transunion consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Transunion to report accurate and verifiable information only. Transunion is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Transunion and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose
Product: Credit reporting or other personal consumer reports

Good evening This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : TransUnion : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Rating : XXXX XXXX XXXX  Account Status : Open Open Open Account Type : Installment Installment Installment Balance Owed : {$24000.00} {$24000.00} {$24000.00} Closed Date XXXX XXXX XXXX XXXX Credit Limit : XXXX XXXX XXXX Creditor Remarks XXXX XXXX  CURRENT ACCOUNT/WAS DELINQUENT 60 DAYS PAST DUE DATE XXXX Creditor Type : XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Date Reported XXXX XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$37000.00} {$37000.00} {$37000.00} Last Payment XXXX XXXX XXXX XXXX  Last Verified : XXXX XXXX XXXXXXXX Past Due Amount : XXXX XXXX XXXX  Payment Amount : {$640.00} {$640.00} {$640.00} Payment Frequency : XXXX XXXX XXXX  Payment Status : XXXX XXXX XXXX Term Length : XXXX XXXX XXXX Loan Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : XXXX XXXXXXXX XXXX Account Status : Open Open Open Account Type XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} {$14.00} {$14.00} Closed Date XXXX XXXX XXXX XXXX  Credit Limit : XXXX XXXX XXXX Creditor Remarks XXXX XXXX CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE -- Creditor Type XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXXXXXX Date Reported : XXXX XXXX XXXX Date of Last Activity : XXXX XXXX XXXX Dispute Status : XXXX XXXX XXXX High Balance : {$5100.00} {$5100.00} {$5100.00} Last Payment XXXX XXXX XXXX XXXX  Last Verified : XXXX XXXX XXXX  Past Due Amount XXXX XXXX XXXX XXXX  Payment Amount : {$29.00} {$14.00} {$14.00} Payment Frequency XXXX XXXX XXXX XXXX Payment Status : XXXX XXXX XXXX Term Length XXXX XXXX XXXX XXXX  Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX XXXX Account Description : Individual Individual Individual Account Rating : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Closed Closed Account Type : Installment Installment Installment Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date XXXX XXXX XXXX XXXX  Credit Limit XXXX XXXX XXXX XXXX Creditor Remarks XXXX XXXX XXXX XXXX XXXX XXXX   CHARGED OFF ACCOUNT Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX : XX/XX/year> Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX, AR XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report because I found inaccurate accounts on my credit report and nobody is helping me to get them removed off my report.
Product: Money transfer, virtual currency, or money service

Someone used my XXXX XXXX to conduct international foreign exchange, which caused my property loss, and conducted foreign exchange through two different bank cards. This fraudulent person used different foreign exchange applications to fraudulent foreign exchange from two bank cards, respectively. I used XXXX XXXX, XXXX, and XXXX. I separately reported fraud to two financial institutions By XX/XX/XXXX. Discover Bank has updated my unauthorized amount to my bank account and helped me replace the new bank account and bank card. The fraudulent amount was {$3700.00}
Product: Mortgage

I am trying to refinance my home. I was within days of closing when the underwriters asked about a deferred balance that they discovered when they received the final payoff. I just came out of bankruptcy and was under the understanding that all past arrearages were to be taken care of in the bankruptcy. When I asked my Mortgage company about the amount, they said I was still responsible for it. The amount is {$11000.00}. I have asked them to find written documentation where I agreed for this amount to be put at the end of my loan, and documentation explaining to me how it would affect me when I re-financed. First, they said it would take 72 hours. After the 72 hours, they said they should have an answer in another week. We are now at 2 1/2 weeks and still nothing. My loan changed to a different Servicer in the middle of my bankruptcy and they have not been able to come up with a documented resolution yet. I need a resolution ASAP. My interest rate is at 12.75 % and I need to be able to move forward with the re-finance. I have my rate locked in already and only have a limited amount of time.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to have TransUnion validate all the negative items reported on my credit file, as required by the Fair Credit Reporting Act. However, they continue to report unvalidated accounts despite my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have had this account opened for nearly a year with a credit limit of XXXX XXXX The company has failed to report my credit limit with this account to the Credit bureaus. Credit limit has been marked N/A. Which in turns affects my overall creit utilization rate, therefore giving me a lower credit score. I have paid for this service for XXXX  months now with the sole purpose of having my credit line report its true limit of XXXX XXXX The company needs to update my credit limit with all 3 bureaus immediately. Or I want my money back for this line of service.
Product: Credit reporting or other personal consumer reports

This account has been requested to be removed ASAP How ever this account is in error not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.