23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I provided a copy of my driver 's license and social security card and divorce decree granting me permission to change my name to XXXX XXXX XXXX. However XXXX, XXXX, Social Security Office and DMV all honored the divorce decree. On XX/XX/XXXX I called Transunion trying to see why they still have not updated my credit report. I was inform those documents is not acceptable and I need a name change by the court house. In my divorce decree it clearly say Name Change and persmission granted and stamped and filed by the judge on XX/XX/XXXX in XXXX XXXX. I am just asking for Transunion to please put the correct last name on my credit report it is a discprencies. I do not have anything of credit with XXXX last name only with the last name of XXXX.
Product: Money transfers

I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.
Product: Mortgage

It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.
Product: Debt collection

I've come across an entry on my credit report from PENN CREDIT CORP that appears to be inaccurately reported. It's important to note that I was not associated with PENN CREDIT CORP during the timeframe mentioned, which is from XXXX. Additionally, the specified debt amount of {$1000.00} is not familiar to me. I believe there might be a mistake or confusion, as I was not residing at the stated location during the mentioned period and have no records of incurring such a debt. I kindly request a comprehensive investigation into this matter and a prompt correction of this erroneous information on my credit report to ensure its accuracy and fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX  XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

On XX/XX/19 there was fraud on my XXXX Mastercard. I called as soon as I noticed it and the Fraud DepXXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX Mastercard has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00}
Product: Money transfer, virtual currency, or money service

Deposit XXXX, and XXXX, online banking, realized it was a fake check. I transferred money to the person who scammed me XXXX, try to cancel the transaction that I sent, and the deposit, but KeyBank said they couldn't do anything about it.
Product: Student loan

The amount of harassment and threats that XXXX has caused not only for me, but my immediate family, and family members I didnt even know existed is unbearable. Every single day they call threatening me and harassing me with no regard. 

I will never talk to this so called company again. Theyre a joke and provide no solution to help. 

Ive received no less than 1,000+ calls from this company, along with my family over the last 3 months. Im trying to make a living and need them to leave me and especially my family the XXXX alone. 

Every time they call any of my family, itll just be one more week that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion, XXXX, and XXXX, are not following the Law, and are allowing XXXX ( because they pay these credit bureaus money as a member } to report improper information on my credit file. 
Each of the Credit Bureaus have received the verification information, and ARE NOT removing the bad information from my file.
Product: Credit reporting

I submitted proof of identity fraud to the Equifax credit bureau. My disputes were not kept on file in their system when I called to confirm they had been placed. The fraudulent information has not been removed from my account or the inquiries. My rights to the Fair credit reporting act are not being up held.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXXXXX  and I noticed that this unauthorized inquirieshad been made. 

XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to XXXX XXXX XXXX.
Product: Debt collection

I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my XXXX  written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX this account. 
XXXX XXXX XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX This is my final warning. I am currently working with a law firm to sue the XXXX reporting agencies and especially the XXXX XXXX XXXX XXXX for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Checking or savings account

I used card at ATM to withdraw funds it gave me error message saying this transaction can't be completed I tried 3 ATMs in that building each said same thing with ref codes at the bottom so I see the funds where deducted from my account but no funds came out of ATM so I dispute the transactions and chime denied it n less then 24 hours they didn't call company atms where in they didn't contact atm owners or anything and the proof they showed me for denial was none they didn't get anything from the company only my statement is what they sent me I have done a rebuttal on the dispute but I'm still filing this cause I believe they are going to deny it again and I need my money back the ATM can prove I didn't get anything out has camera on it the transaction numbers will show a error so if they do they job I may get my money but if not going to keep reporting them and close that account
Product: Debt collection

In XXXX, I was initially on a plan with the hospital for care I received, I called and added two other accounts which did not occur. One plan broke because they placed it separate and it was sent to XXXX. Approximately XXXX I kept calling and it took forever to send the debt to XXXX. I called multiple times between then and XXXX of XXXX and it had not been received. I called in XXXX and they finally had all three of my accounts along with my husbands. The young woman advised me if I paid the balance in full on a repayment plan then I would not be reported to the credit reporting agency. I set up the plan in XXXX of XXXX and to date, I have never missed a payment, they have deducted {$150.00} payment from my checking account every month. I lost my job on XX/XX/XXXX of XXXX. I called them around mid XXXX to ask if there was a relief program, I will receive unemployment and I am calling all of my debtors to see which ones offer relief programs. The woman that I was speaking to mentioned to me that the accounts I was calling about that payments were received, however they were in a dispute status. I told her that I don't know if the young lady that I spoke to over two years ago placed them in that status so that they would not report to the credit reporting agency since I was paying off the balances, and they should not have been in collections in the first place. The hospital refused to remove the accounts, so I requested that they all be in one location so that I may pay on them. She wanted to argue about it, and then told me well I can delete the plan and set you up on a new one making smaller payments for approximately three months. I had a feeling the way this woman was talking that the representative that I spoke with was no longer there and she wanted to delete my plan so she could get the credit for the payments that was being made, and she was about to mess up the previous agreement that I had going on for years. I was never reported to the credit reporting agency, and I hold a Mortgage Loan Originator License, and with me looking for a job, I can not have items on my credit especially when I am sticking to the agreement. I told that woman not to change anything and I will call someone else. All of a sudden they have reported this to the credit reporting agencies and my credit score has fallen over 44 points. I want the items removed, and they should only be placed on my credit report if I miss a payment. On Saturday XX/XX/XXXX I spoke with a supervisor XXXX XXXX at the XXXX office in XXXX, NC. And she stated if you make a repayment plan prior to us reporting you then yes we are not supposed to place this on your credit. I faxed her my credit report, and the frequent updates to reflect that XXXX was never on my credit report, the only information that I received is that she received my fax. I need these items to be removed quickly because both XXXX and XXXX hospital in XXXX are making errors on billing accounts leaving clients to suffer.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} ( tied up ) XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$440.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ( XXXX XXXX ) XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3300.00} {$3300.00} {$3300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5900.00} {$0.00} {$3300.00} Credit Limit : {$6000.00} {$6000.00} {$0.00} Past Due : {$3300.00} {$3300.00} {$3300.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXXredit grantor. 
Charged off account Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Debt collection

We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.
Product: Debt collection

Representatives from this debt collector has been repeatedly calling, seeking someone whom I DO NOT KNOW, for a while, even after I'd told them to cease calling and that I do not know whom they seek! CID said : " Transworld Syst, '' " ( XXXX XXXX XXXX '' on XX/XX/21. However, these reps have called using other numbers, including XXXX.
Product: Debt collection

I am reporting a violation of the F.T.C. Fair Debt Reporting Act.title 616.this collection agency is reporting information of Debt of $ XXXX.with the knowledge of it beening false. Lvnv Funding account # ending inXXXX has as of XX/XX/2019.has re-reported this 3 years old Internal Revenue Service filed as of XX/XX/XXXX XXXX.1099-c form was sent by certified mail to Lvnv Funding, copys was sent to C.F.P.B.with complaint ID # XXXX on XXXX for reporting this.
Product: Money transfer, virtual currency, or money service

For months Ive been trying to transfer money from XXXX to my XXXX bank, after giving me the wrong information for the transfer they seem to have lost the money or have no idea where it is.