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

The incorrect information pertains to XXXX. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called Bank of America and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. 
XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is XXXX XXXX XXXX XXXX, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. 
XX/XX/XXXX XXXX Called number to Bank of America to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. 
XXXX I called XXXX XXXX XXXX back and was given two contact number because I was unable to reach anyone attempted to call both XXXX XXXX XXXX contacts I was given with no success. 
XXXXFollowed of with Bank of America due to not being able to contact with XXXX XXXX XXXX. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. 
XXXX XXXX XXXX XXXX and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this report by myself and this is not a third party or a credit repair company 's statement. 

I requested TransUnion LLC to provide the description of the procedure used to determine the accuracy of the disputed items in my credit report, but they did not. 

Please see the attached documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Midland Credit Management is sending letters to me and they claim that i owe them XXXX XXXX According to the information provided by them i was resident in California and opened a bank account with an address from California- but IT WAS NOT ME, i never lived in California, i have never even been in that state in my life. I lived in XXXX, XXXX  XXXX and XXXX  states only ( I live in XXXX state for about the past XXXX  years ). I did not own the bank account that they claim that i owned. I have no clue how and when my personal information was stolen, it seems that someone stole my ssn, opened a bank account under my name by providing an address from California, again i have never lived or been in CA. I did not open the bank account that they claim that i owned and did not borrow any money from anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.
Product: Credit card or prepaid card

I was approved for the PNC XXXX XXXX XXXX credit card ending XXXX on XX/XX/2022 with a promotional offer of {$200.00} if {$1000.00} of purchases is completed within 90 days. We are well into XXXX and PNC has yet to provide me with the credit card. I have contacted them several times and they have stated " due to a vendor issue there is a delay in printing and mailing the cards '' my card is still " pending ''. So I've already lost a month of the promotional period. I've requested that they extend the promotional period due to the time lost to their " vendor issue ''. They have refused. I propose as requested relief that they credit the promotional bonus of {$200.00} to my statement without me needing to make {$1000.00} in purchases. Initially I was going to do my XXXX shopping with this card. But XXXX has come and gone. It is deceptive for them to say I have 90 days when they take several months to send me the card. Clearly they knew of this " vendor issue '', yet they made no effort to inform me of it when applying for the credit card. They have lied, and refuse to make it right.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report remains unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant XXXX  and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties. 
15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Mortgage

On XX/XX/XXXX I got a letter from XXXX XXXX XXXX saying that my new monthly payment was going to be {$4100.00}. This company sold this loan to Lakeview Loan Servicing and I got a letter on and this company is telling me that my new mortgage payment is {$4800.00} We proceed to call the new loaner company Lakeview and clarify the issue on XX/XX/XXXX and they told us to send the documents that XXXX sent on XX/XX/XXXX we did the process online and email out the document same day. We called again to Lakeview on XX/XX/XXXX trying to get an update and they told us because the loan was recently sold they are still working on getting all the documentation to update my mortgage payment as needed. Today XX/XX/XXXX called again Lakeview and XXXX told me that they close my last request and that I needed to reach out my previous loaner I told her honestly we dont know what else to do we already email out the document and you guys bought the loan so you need to have all the documentation even though we emailed out on XX/XX/XXXX the lady put on hold to review notes and documentation and after waiting on line she told me that their company will run another escrow analysis on XXXX and that will the monthly mortgage payment, so I asked her at this point my only option is to do a payment on that mortgage amount and wait? She said yes, so I told her honestly this is very unfair and at this point Ill file out a claim because it doesnt make any sense I got a letter from previous lender with an updated mortgage amount and now the only option that I have is to pay whatever lakeview wants me to charge.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.
Product: Vehicle loan or lease

Back in XX/XX/XXXX i asked for a extension for my car payment of XXXX and was accepted to not pay my loan till XX/XX/XXXX due date but since i am on a very strict income { fixed }, i have a 10 day grace period and with that said i pay on the XXXX of each month through XXXX. When i accepted the extension 'They asked me if i could pay for it after wards and i said no ' end quote. I have been threatened nagged harassed by this lending company in California and i asked many times to either lower the payments or take the car back either by voulantary surrender or reposession they will not refinance or lower my payments because of PERSONAL HARDSHIP. i only make XXXX month and have rent, utilities, life insurance to pay, medication { XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. These people do not care about anything but getting the MONEY and i need help. A bank took money out of my account after the claim closed because the merchant somehow put the money back in which i think was a fake. I am a victim of ID THEFT SINCE LAT XX/XX/XXXX. Please help me to lower my payments if you can. Thank You
Product: Debt or credit management

My information was sold to a 3rd party without my consent : RESURGENT/LVNV FUNDING XX/XX/XXXX Balance : {$790.00} XX/XX/XXXX Balance : {$980.00} XX/XX/XXXX Balance : {$750.00} XX/XX/XXXX Balance : {$1100.00} XXXX Main XX/XX/XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a credit freeze on experian account to prevent credit card inquires and new accounts, but experian account is still accepting open new accounts and inquires without my approval. Called experian but they leave no option to talk to a representave about the issue..
Product: Mortgage

The mortgage was transferred to Shellpoint/newrez in XXXX of XXXX. A loan modification agreement was offered and sent to the address on the loan requiring a signature, however the mortgagor had been hospitalized and therefore did not receive the modification agreement. The mortgagor had a XXXX  XXXX and is unable to speak or communicate and has limited mental functioning. I have power of attorney and have been communicating with the mortgage company. On XXXX XXXX I spoke with the mortgage company who requested payment of {$510.00} based on the not yet agreed upon Loan Modification Agreement. That amount was paid on XXXX XXXX Mortgage company then agreed to resend the Loan Modification Agreement to my address with myself as POA. A Loan Modification Agreement was received but the POA was not entered on the agreement. The Mortgage company was again contacted and a request was then made for the POA to be recorded and stamped by the county clerk 's office. This was done and the POA stamped and recorded copy was sent to the mortgage company. Payments were made on XX/XX/XXXX and again on XX/XX/XXXX for {$510.00}. Requests were made again for a corrected Loan Modification Agreement with POA on it. To date XX/XX/XXXX a corrected Loan Modification Agreement has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XX/XX/2013. not my account. 
XXXX XXXX {$260.00}. not my account
Product: Checking or savings account

I went to Bank of America branch on XX/XX/XXXX advising them I was closing the account. I left half an hour later with it done. I received a call today, XX/XX/XXXX that one of the checks Ive authorized bounced and they are redepositing it. I log onto BofA online and shocked to see - {$1800.00} ... 
Not only did BofA not close my account they keep accepting payments, then returning them, the accepting the same payments over and over again. This is unacceptable. BofA is racking up insufficient funds charges galore. 
I closed the account so how is it still accumulating all these charges?
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2024, I mailed XXXX, Equifax, and XXXX letters providing accounts that was on my credit report due to identity theft. Per the FCRA section 605B I the consumer have the right to have all accounts and information blocked off of my credit report due to XXXX XXXX  within XXXX business days. The XXXX credit bureau did not remove any XXXX XXXX off of my credit reports. I submitted a Police report as well as a FCT report all which states the accounts in question. XXXX, Equifax and XXXX has not provided any evidence in regards to there investigations. I should not be subject to this treatment and inaccurate information on my credit reports when I was a victim of identity theft. My information was also I. The Equifax data breach. Ive provided all information needed to remove inaccurate information off of my credit report. If this problem persists I will have to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
Product: Credit reporting or other personal consumer reports

Capital One Bank- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but Capital One never provided a 1099C o The date Closed has no info XXXX : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but Capital One has never sent a 1099C. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on XXXX XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but Capital One never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times XX/XX/XXXX days late