23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES. 

I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account. 

I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED! 

I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow
Product: Credit reporting

XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..
Product: Money transfer, virtual currency, or money service

Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through XXXX XXXX  and with zelle. From XX/XX/XXXX through XX/XX/XXXX there was a total of XXXX in transactions on Zelle. And during that same time frame there was a total of XXXX. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  {$800.00} ; 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

I have previously disputed public records listed XXXX and XXXX and XXXX with Equifax and in response Equifax verified the items as accurate stating that they have verified the information. The original creditor in this case would be the US Bankruptcy courts. I contacted the court, and their response is enclosed. It is clear they did not furnish to Equifax or any credit bureau for that matter ; therefore, their original response verifying the item with the court was either an error or a lie. Purchasing information from third parties does not absolve Equifax of accountability. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I also submit my proper identification as authentication of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX XXXX XXXX I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act XXXX XXXX  # 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 2 : 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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Equifax directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from Equifax and XXXX stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. 

Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XXXX had a breach of their system they started reporting information on my account that is not true or not appropriate with my business of " XXXX XXXX ''. 

I have no delinquent accounts. 

More important is the report of excessive inquiries for credit. My business requires me to purchase supplies and residential properties, therefore it is only prudent to open accounts with vendors that offer zero interest for 6 months when purchasing several thousand dollars worth of supplies. " Balance to Ratio of Credit limit on revolving accounts '' This is only short term account until the remodel is completed and then paid off with the sale of the property. Also, when " XXXX XXXX '' looking for the best interest rate when purchasing properties is prudent and " Excessive Inquiries in the last 12 months '' is not appropriate. I thought " Like '' inquiries only counted as one inquiry such as purchasing a car, when looking you may go to several dealers to get the best price and each will apply for credit. That should not count as several inquiries.
Product: Credit reporting or other personal consumer reports

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX  and XXXX XXXX as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXXXXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Student loan

On XX/XX/23 I called XXXX to request a refund of payments made toward my student loans during Covid forbearance under the CARES Act. Two separate reps said they would handle that request for me before disconnecting my call. The third rep said I needed to put that request in through Mohela. Mohela submitted the request and twice since XX/XX/23 I have been told they requested payment information from my previous servicer ( XXXX ) and when I ask XXXX about it, they say theyve not received a request from Mohela. At one point a Mohela rep said my request was put on hold because they had to review my NSLDS info since they claim XXXX is not cooperating with them about my payment info. It has now been more than 60 days and more than 45 business days with no movement on this request. I also cant get a clear picture of the status of my request as each Mohela rep tells me something different. I need those payments refunded and I even sent a PDF of the payments from XXXX to Mohela earlier this month to try to help the process and nothing is helping.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint because fraud inquires and an account was being reported on my credit report. The information included on the report has not been deleted. Please delete the inquiry for XXXX XXXX, XXXX XXXX & this XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the erroneous late payment ( s ) reported on my credit report for the account that has been paid off. I have never been late on this account, and I demand that you provide documentation showing proof of any late payments.In accordance with the Fair Credit Reporting Act ( FCRA ) you have thirty days for this to be rectified. I expect your full cooperation in investigating this matter. If you can not provide the necessary documentation to substantiate the late payments, I demand that you promptly delete these inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME ) ... A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year>
Product: Credit reporting

I have contacted TransUnion twice regarding Inquiries on my account. On XX/XX/2016 someone was trying to open XXXX different credit accounts using my information. they were XXXX. XXXX XXXX XXXX and XXXX. I 've indicated to TransUnion that I 've been a victim of identify theft and that the alleged inquiries were not mine. I contacted the creditors and was told that I needed to contact the Credit Bureau and have them remove the inquiries. Apparently, they only removed one ( XXXX ) but are refusing to remove the other XXXX that are still on my report - bringing my credit score low. These inquiries were fraud, as they all occurred on XX/XX/XXXX. I 'm tired of contacting them and getting no results.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I have been a Ford Motor Credit ( Account # XXXX ) customer since 2018 and during that time, I have enjoyed my experience with Ford Motor Credit greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX college student without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Ford Motor Credit is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Ford Motor Credit. With  todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Ford Motor Credit has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Ford Motor Credit is heads above the rest. I look forward to your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

New debt has shown up on my credit report that is a flat-out lie. Equifax has reported that I owe XXXX XXXX {$370.00} and the debt collector is a company called XXXXXXXX XXXX XXXXXXXX. I find that hard to believe when I actually have documentation directly from XXXX showing this balance is PAID IN FULL!!!
Product: Credit reporting or other personal consumer reports

It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has 2 inquires on my report that I DID NOT authorize, >>XXXX XXXX XX/XX/2018<< & >>XXXX XXXX XXXX XX/XX/2018<<, I DID NOT apply for credit with these companies/businesses and therefore they NEED TO BE DELETED!
Product: Debt collection

Account Name : WESTLAKE FINANCIAL SVC ( Original Creditor : WFS ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Product: Mortgage

My mortgage was sold to Nationstar Mortgage  Servicing  2 months ago. Today I received a phone call from  XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a  XXXX   XXXX  number and where he was located. He said  XXXX , Tx and he thought it was because it was an internet phone. He transferred me to  XXXX   XXXX   NMLS  ID  XXXX  who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the "  XXXX  '' phone number. He transferred me to  XXXX   XXXX  NMLS ID  XXXX .  XXXX  also defended the "  XXXX  '' area code number saying " if the guy is in  XXXX  he can not use his phone number ''. I  XXXX  the phone number it does not come up as ANYTHING remotely close to Nationstar.  XXXX  went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This complaint is in response to Equifax 's claim that the XXXX XXXX tradeline starting with account # XXXX reporting to my Equifax file has been verified in being reported by XXXX standards, 100 % accurately which it is " not ''. I have disputed this credit entry with this particular bureau over the last several months to no avail. I highlighted the fact that Equifax has been falsely reporting payments on this tradeline months after the account has been paid and closed out ; I received a notification today once again from one of the proprietary credit monitoring services for the new month here in XXXX reflecting another payment posting to an non-existent account. I attached the XXXX report to this complaint as example to show that the account has been paid and closed in XXXX of XXXX. The XXXX file still falsely reports the term on this account as " 81 '' months when it was actually 72 months ; but yet it shows the account status as " Paid, and Closed '' with a " 0 '' balance and no payments reporting after XXXX of XXXX. The attached Equifax reports, online and mail, printed report as well as digital, both reflect the same inaccurate information. Equifax reports the status of this account in XXXX of XXXX " Pays account as agrees '' which falsely reports the tradeline as being open, even though the account status reports the account as " closed ''. Equifax reports this tradeline as opened and closed simultaneously. On a tradeline that was paid off in XXXX of XXXX, Equifax reports payments being made in XX/XX/XXXX through XX/XX/XXXX. My XXXX report will reflect a XXXX payment once it updates. The Installment terms are also missing. How is Equifax able to gather all of this detailed information about this account without a term? They report this account as going on forever. The documents I provided all share the same account number across both bureaus as this is one account, yet Equifax reports conflicting inaccurate, unverifiable information and fails to update or correct the entry once being notified. " Do Not '' forward this complaint or my dispute to the furnisher. The legal counsel for XXXX XXXX during pre-trial in Federal Civil case, XXXX XXXX XXXX XXXX XXXX case Civil Action No. XXXX has already certified and provided documentation showing that their client did not initiate the reporting of the inaccurate information that Equifax holds in reference to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reviewed my account and noticed information that was inaccurate and didn't belong to me.