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

Experian is reporting that I have a miss payment and my account and they do a investigation that only one day they never inform me by mail or do a proper investigation the need to remove the late payment from my credit score because the can not send me proper proof and documentation of the investigation that they did and prove that Im late because XXXX reporting that Im not late while Experian reporting late payment and damaging and hurting my credit score and ruin my reputation they need to remove the late payment or send me proof and documentation in the mail
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that several items were not update & false information continues to report via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 XXXX. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report, Attorney General 's Verification of Fraud Victimization and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


NRS598C.110 & NRS 598C.160 both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.
Product: Debt collection

Phone calls being repeated multiple times a day, even after clearly stating that due to COVID the income in my household has been cut to less than 40 %. Not a verifiable debt, not one recall of using there services at all.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING COMPANIES WERE REACHED OUT TO ASKING FOR VALIDATION OF ACCOUNTS AND I HAVE NOT RECEIVEDANY RESPONSE : XXXX, XXXX, AND XXXX. THEY ARE REPORTING THESE ACCOUNTS ON MY CREDIT REPORT AND I HAVE NO KNOWLEDGE OF ANY OF THESE AND AM A VICTIM OF IDENTITY THEFT. 

XXXX XXXX {$14000.00} XXXX XXXX {$1800.00} XXXX XXXX {$1000.00}, {$1200.00} XXXX XXXX {$1800.00} XXXX XXXX {$7400.00} XXXX XXXX {$13000.00}
Product: Mortgage

I received a call on XX/XX/XXXX  that my XXXX payment had not been made. I was instructed to go to the website and upload proof of payment. I received other calls and letters and told them that I provided proof of payment. The website doesn't show any of the messages that I sent. I did a screenshot of the last message that I sent today, as Shellpoint chooses to not show messages that are sent on their website. I have requested copies of the messages that I sent. I sent a letter dated XX/XX/XXXX  with proof of payment. Today I received a letter saying that the delays are due to me sending the payment to the wrong address. This is a lie. My payments are all electronic and a copy of the payments from my banks website show this. 

I am attaching a file with my recent correspondence. 
Thank you, XXXX
Product: Mortgage

XXXX XXXX announced the Mortgage relief and I applied though XXXX XXXX XXXX XXXX requested paperwork from my mortgage but have been giving me trouble to release the paperwork W9 I have tried every month to call. 

The name has changed and don't get to the right customer service. 
The email does not work The phone or fax and agency
Product: Vehicle loan or lease

In XX/XX/2014, I financed a pre-owned BMW through BMW Financial Services. I even paid {$2000.00} for an extended warranty on the vehicle. Within 45 days of my purchase, it became evident that I purchased a lemon ; as the transmission went out on the vehicle. I had the vehicle towed to the BMW dealership, only for them to tell me that the transmission was not covered in the {$2000.00} extended warranty I had purchased. I was incensed. To " help me out, '' the dealership offered to take this vehicle back as a trade-in, and if I paid another {$3000.00} down payment, give me another vehicle. I reluctantly agreed. The original auto-loan was rectified through the trade-in, and I financed another pre-owned BMW through BMW Financial Services.  Within 2 months of driving the second vehicle, the engine blew. Once again, this was not covered under the extended warranty, and BMW offered no help. It was obvious that they hold sold me two lemons in a row. The only solution they offered me was to pay {$14000.00} to replace the engine. I knew I was being swindled by BMW, and I did not want to continue to do business with that organization. I had already lost too much time and money. I expressed my displeasure to the dealership, and let them know that I was leaving the 2nd inoperable vehicle with them. They told me they understood, and that would be fine. Considering the thousands of dollars I had paid in down payments, extended warranties, towing charges, and other inconveniences ; I assumed the finance contract for this 2nd vehicle was also resolved. After all, they had sold me two $ XXXX vehicles that had become inoperable within weeks of the purchase. A couple of years passed. Recently, I discovered that BMW Financial was reporting this account on my credit report as an unresolved repossession. And furthermore, they were reporting that the outstanding balance was {$16000.00}. That's the full amount left on the service contact when I left the vehicle at the dealership. I am certain that the BMW Financial re-sold this vehicle, and I was shocked to see that they were holding me responsible for the full balance left on the finance contract. I immediately disputed this account with XXXX, XXXX, and XXXX XXXX. I have done that several times now, but BMW Finance continues to say I owe them $ XXXX. I completely disagree with this, and have expressed this to BMW. I suppose that BMW became angry that I disputed this debt, as they have recently hired a nasty collection agency named XXXX XXXX XXXX to start harassing me over this contested debt. As if it wasn't enough that the BMW organization had already swindled me out of thousands of dollars for two worthless lemons, they are now hiring a collection agency to harass me for another $ 16,000+, despite the fact that the statute of limitations has already expired anyway. There is no way this can be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX Experian, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX, Experian, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Product: Money transfer, virtual currency, or money service

They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) was included in my BK Chapter XXXX underneath the collection agency they put the debt under. They were discharged and did not update the status of the account to correctly reflect its Bankruptcy status nor the balance at {$0.00}. They violated the laws in which I was protected under Bankruptcy both during and after. 

I disputed this information with TransUnion when my discharge was released on XX/XX/2019. On XX/XX/2019, they decided to respond to the dispute in a number of ways that violated my rights under the Bankruptcy discharge as follows. 

1 ) by pretending their company had a name change from XXXX XXXX XXXX to XXXX XXXX XXXX/XXXX, n/a to place this debt BACK onto my report after it was successfully updated and removed, putting the debt protected under a open bankruptcy case BACK onto my report and, 2 ) proceeding to put in the comments the debt was transferred and charged off as a debt debt and a Delinquent Account. All of which was incorrect. 

As a result of their inaccurate reporting, this caused my score to drop points and negatively impacted my ability to rebuild my credit. 

This type of blatant disregard for obvious policy and procedure regarding how bankruptcies are to be reported both during and after the proceedings is unacceptable. 

The FTC clearly stated : Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$1800.00} in XXXX XXXX was stolen right out of my Coinbase XXXX wallet. Coinbase 's negligence led to the theft of my XXXX XXXX. Subsequently, the funds have disappeared and Coinbase has ignored all refund requests.
Product: Credit card or prepaid card

I received an automatic email alert of address change to my by US Bank account on XX/XX/2022. The change was made by an unauthorized actor, who is unknown to me, and who has access to some private information of mine. I called US Bank, if I recall correctly, the same day I got the alert. I was asked to go in person to a branch to present my ID and have my address reverted to the original. 
On XX/XX/2022 ( almost XXXX days later ) I received an identical address-change email alert, and a separate email alert indicating that my credit card was reported stolen. Neither action was conducted by me or anyone authorized ( like they didn't do anything after the first time to prevent a repeat ). I called US Bank cardmember services XXXX min after I got the stolen card alert and I was explained that a new credit card was requested be sent to the new address. After undoing that request and changing back my address, I tried to get an explanation and an assurance that no unauthorized actor would ever be able to change my address again. I didn't get a concrete assurance other than them having " flagged '' my account and put notes for future operators to perform additional checks in case any future address change request comes. 
I also asked whether they were going to do anything about the perpetrator. They have the ability to file a criminal report and provide the information that the perpetrator left behind, like address and phone number. 
Prints of the referenced alerts have been attached to this report.
Product: Credit reporting or other personal consumer reports

Experian failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Experian, to remove the bankruptcy, yet it is still being reported. 

Transunion failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Transunion, to remove the bankruptcy, yet it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  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 Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$29000.00} ; XXXXXXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I keep getting text messages and phone calls from a company called Apex Asset Management. This company is attempting to collect a medical debt in the amount of {$1800.00} on behalf of XXXX XXXX XXXX. The balance they are alleging is due to this medical facility is completely inaccurate as an application on my nehalf for XXXX XXXX was submitted to their financial department. I have never consented to this third party having my personal or medical information OR contacting me AT ALL. Additionally, this company calls me at all times of day/evening and it is beginning to feel like harassment. 

I have NEVER spoken with a rep from this company and demand they cease and desist communication with me through any and all mediums. In addition to ceasing communication this is their official notice that if this company or any affiliates attempt to report this alleged account on my consumer credit profile, I will not hesitate to pursue litigation and sue Apex for violations under the FDCPA.
Product: Mortgage

I started a process for a conventional, cash out refinance on XX/XX/XXXX. Today, XX/XX/XXXX, I was told that the refinance would not be approved. Throughouth the process I dealt with misleading communication, at one point being told the amount of the loan would be changed by approximately $ 25k. I was sent at least four sets of closing disclosures and they did not have full breakdowns of costs, listing approximately $ 3k as " other fees ''. 

I was very timely in providing necessary documents, statements, and communication but would go weeks at times without hearing from the lender at all. 

After the lender tried to drop my loan amount by $ XXXX, I told them I did not want to continue the process as it had already been about five and a half months, and within 30 minutes, the lender reached back out and told me they could run the loan a differen way and the loan amount went from $ XXXX to $ XXXX ... in 30 minutes. 

This process has cost me almost a full six months that I could have been working with someone who actually wanted to close on the loan, it has caused me financial hardship and an untold amount of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1700.00} ; XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : - Balance : {$34000.00} ; XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX reported on my credit report for the amount of {$2300.00}. I have contacted and sent letter multiple times to the creditor that this account is not mines and is a fraudulent opened account. The creditor refuses to remove the information from my credit report. I have exhausted all I can do at this point with proving this account is not mines and was never mines. Please have this creditor remove this fraudulent account as it is hurting my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request along with proper documents and information to Transunion to correct my personal information on file on  XXXX   XXXX ,  2017 . I recently received copy of statement for my credit report which confirms this information has not been updated. I contacted Transunion and spoke with a representative who stated that he could not correct this information but in fact I would have to contact all my creditors and have them to update this info  rmation when they are reporting me. As stated previous the documents that were submitted included my updated SSN information and an updated driver license to confirm my name change. My personal information is currently inaccurate and I would like to have this corrected.
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Thank You