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

I need regulatory XXXX Of my inquires that are less than 12 month old that are not pertaining to me. Besides companies are closed my account but all debt were paid in accordance. This items are harming my credit scores when I have been paying everything and consistently in accordance to rules and regulatories.
Product: Debt collection

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a payment in full to the wrong address via mail and it came back to me, so I resent the payment in full which has now cleared chase card services. This is literally 2 days after the due date. I have moved 2 times in the last 120 days and have been dealing with major health issues in my family. This was clearly a mistake on my part to not make sure I am on auto pay and apparently for this one card I wasnt. My balance is zero and I have a perfect payment history except for this one mistake. Chase has told me that they will not remove this negative report even though I have paid everything in full. Is there anything I can do here, especially in light of the pandemic, etc?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Tesla Finance regarding my Tesla vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report.
Product: Credit card

I have received a debit card from Citi then I received a credit card and lastly a book of checks. I never opened an account with Citi. They stated the bank account was opened on the internet. My home address matched, name and Social. However, my employer on file was from 15 years ago and the phone number they had was from 30 years ago.
Product: Debt collection

Hello, LVNV Funding LLC is attempting to collect a balance of {$850.00}, a chargeoff from XXXX XXXX. 

LVNV is reporting as the original creditor and showing a credit term of 1 months. This is blatantly false information. When I dispute with the bureaus they just say " disputing '' or " verified as accurate '' and never provide proof. They can not verify this as accurate as they practice shady collection tactics and it is well known.If LVNV wants to play original creditor I require them to provide proof of an agreement with their company to the terms. 

LVNV claims not to be a collection company at all, but a subsidary acting on behalf of Resurgent Capital. 

Further, I have never received a dunning letter from LVNV funding which is required. If they dispute this fact I would urge they be required to provide proof. 

LVNV has reported incorrect and damaging information concerning the alleged debt to credit reporting agencies in violation of the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ]
Product: Mortgage

A mortgage held with OCWEN Loan Servicing was paid off by my credit union. At the same time OCWEN withdrew the next payment from my bank, although that amount was included in the payoff. 

The credit union contacted OCWEN who acknowledged they were holding funds not due to them, and said they would try to expedite the return of the money. 

Two weeks later, with no funds received back, I contacted OCWEN, received a huge run around, and finally I was told they would send my funds back after 20 business days had passed. They knew the amount due two weeks ago, but would still hold them until they elected to send them back. They couldn't provide me with any document I had signed authorizing that delay, could not show me a notice I had signed indicating that funds could still be withdrawn, though not due, until I notified them to stop taking money from my bank, and they could not provide me with any legal reference that allowed them to continue holding my funds. Finally, they refused to make any effort to expedite (? ) the return of my funds. 

The amount due back is {$1400.00}. I discussed this with employee ID XXXX, who told me there was no record of a contact on theXX/XX/XXXX, and XXXX who had full documentation of that conversation.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

This recurring issue not only causes me significant stress and inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$700.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian, XXXX, XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

In 2007 my husband and I took out a loan from Beneficial for {$10000.00}. This loan was not paid in full. Beneficial charged it off. Today, XXXX XXXX MY FATHER was contacted and was told they were going to put a lien on HIS property because he co-signed on this note. HE DID NOT CO-SIGN ON THIS NOTE. My husband did. This was from XXXX XXXX XXXX. Phone # was XXXX. They have upset my XXXX year old father and have made him feel like he was going to lose his property when he didnt even co-sign on this note to start with. They evidently looked up his background and saw he had perfect credit and land.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified I am a victim of identity theft
Product: Mortgage

We applied with XXXX  to see best options for refinancing our house. XXXX  claimed we did not qualify with any of their customers. Then the phone calls started from Loan Depot. Loan depot has used XXXX, and XXXX. Loan Depot will call from one number then the other by computer generated calls. Have tried to get them to stop calling all day long from both numbers from around 8-10 times a day. When you press the number to be removed from their calling list they call a few minutes latter. They need to stop the harassment.
Product: Credit reporting or other personal consumer reports

Never open XXXX  account nor navy federal XXXXXXXX XXXX  phone bills XXXX I never on account identity is being use fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed a complaint already regarding XXXX XXXX, they sent a letter that this would be removed " forgiven '' and would update for the past 6 weeks " TRANSUNION '' has been lowering my score there is 100 point difference I went to apply for a mortgage and the mortgage lender saw XXXX  @ XXXX for score, XXXX gave two credit numbers mortgage was XXXX and credit card was XXXX, Transunion had XXXX as corrected score up until today XX/XX/XXXX they noted I had a SERIOUS DELINQUENCY and I have not missed a payment on any CREDIT that I have obtained since my husband died in XXXX which is clearly seen in my report, not 1 missed payment, TRANSUNION has reported that I have 30, 60 and 90 late payments this year in XXXX when I have not had a late payment on my report for me EVER.. I have not 1 misssed payment since I opened XXXX that was in XX/XX/XXXX and since I have had a good credit score and now it has gone done to XXXX for a Serious delinquency and I have the report and shows Nothing is late so I need this fixed I called Transunion and confirmed XXXXas my score on XX/XX/XXXX and today XX/XX/XXXX is XXXX and they said it was due to a late payment, there is no late payment on any credit I have
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX posted a 30 day late on my credit report for XXXX, Equifax and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POLICE REPORT, SOCIAL SECURITY, IDT THEFT REPORT
Product: Checking or savings account

On XX/XX/23 and XX/XX/23 my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores and a lot of fraud unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told the money would be returned to my account in 10 days. So soft this issue Please refund the money that was stolen from my account. You can contact me at XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I am filing this complaint in order to receive a definite response from TRANSUNION regarding inaccurate accounts that are being furnished in my consumer reports. I am aware that consumer reporting agencies have a bad habit of not replying to letters from time to time. I do not want my time wasted having to deal with that issue. I am requesting a reinvestigation regarding the accounts with TRANSUNION per 15 USC 1681i ( a ) ( i ) ( a ).
Product: Student loan

Received notification on Saturday, XX/XX/XXXX that read : " YOUR STUDENT LOAN IS ABOUT TO DEFAULT! 
WE CAN HELP! 
CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. 

Contact us today so that we can help you avoid the serious consequences of defaulting on your student loan ( s ). 

If you are unable to make a payment, there may be options to bring your account ( s ) current as soon as today! Once current, we can explore repayment plan options to help you stay current. Calling our expert loan counselors today is the fastest and easiest way to resolve this delinquency. 

If you don't take action and your loan ( s ) default the balance will become due in full. You risk having a portion of your paychecks garnished and your future federal tax refunds withheld and automatically applied to the balance of your defaulted loan ( s ) until paid in full. On top of this, collection fees can be assessed increasing your balance as much as 15 %! 

Take action now so we can help you remain in control of how your student loan ( s ) is paid. As  mentioned above, once your account is current, we can look into repayment plans that will help make your student loan payment ( s ) affordable for the long term. 

PLEASE CALL US TODAY ( TOLL FREE ) AT ( XXXX ) XXXX. WE WANT TO HELP! 

You can also contact us via email at XXXX or via our website mygreatlakes.org. '' When I contacted the new loan holder ( AES ) on XX/XX/2018 they showed by account in good standing/current as of XX/XX/2018. 

I called XXXX XXXX on XX/XX/2018 to inquire about why I was receiving delinquency notices when the account was up to date but they claimed they could not change anything until they received the information from AES. 

I called AES on XX/XX/2018 who confirmed my account was in good standing and told me XXXX XXXX has all the information regarding my account and was unsure why they were sending me deliquency notifications.
Product: Credit reporting or other personal consumer reports

They are reporting different balance on my report XXXX XXXX and XXXX. Loans are in deferment never late and the balances need to be removed from report impacting my credit report. They have over excessive report multiple loans and I did not take out 20 loans. They are not Mines
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!
Product: Checking or savings account

Back of XX/XX/XXXX  I applied for XXXX unemployment, I was told by the XXXX to keep certifying My benefits online, which I did as time went on I never received my Bank of America card. Its two years later I have not got anything, my card was used I made a police report and they still will not give me my funds.
Product: Credit reporting or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Account Name : XXXX Account # XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.
Product: Student loan

FEDLOAN SERVICING LAST REPORTED XX/XX/2022 {$17000.00}
Product: Mortgage

I was seeking to utilize this lender for a new mortgage as a first time home buyer. Due to inconsistent information provided to me regarding state statutes, state options, and inconsistent information as well as frivolous advised to me in writing and verbally, I decided not to use this lender, my credit was ran for a second time again without my knowledge on XX/XX/XXXX by the same company and yet on my credit report it lists the company as " MISC '' vs their name. There was no document/ release executed by me that would have been valid to have my credit ran again by this party, they are NOT my credit union. Please have this noted. The loan officers name was XXXX XXXX. 

This consumer also has not provided me with ALL written correspondence/transmissons ( EMAIL AND OR VIA REGULAR MAIL ) between their company and XXXX XXXX XXXX. I have asked to see any and all information and discussions that took place between this company, loan officer and any other employee within their company and XXXX XXXX. This information was requested due to inconsistencies of an approval, I was told verbally ( phone log shows call ) by employee XXXX XXXX on XX/XX/XXXX @ XXXX that I was conditionally approved but I needed to provide more documents, she emailed me the document request and I complied. The next day the loan officer XXXX XXXX called me ( phone log can confirm ) on XX/XX/XXXX ( next day ) @ XXXX and advised me I wasn't approved with a different reason which was never mentioned to me. I asked XXXX why would XXXX tell me I was approved less than 24 hours ago and now he tells me something different and if I was denied please send me XXXX XXXX official denial of what was sent to him, he advised that he would. As of today I have not received this information. I believe my request to XXXX XXXX for downpayment assistance for my first home was DELIBERATELY SABOTAGED by XXXX XXXX, I make this claim because since I first advised XXXX I wanted to use this entity he was totally against it from the start to the end. In order to rule out if this was true I request the names of the parties that XXXX XXXX and XXXX XXXX conversed with XXXX   XXXX, I also request any and all correspondence between the parties. I then was told I wasn't denied but I needed to provide more information to XXXX XXXX. Obviously you can understand now the reasoning I am now filing this complaint. In addition inconsistent " numbers '' being provided by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX