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

I am writing to dispute the documentation provided regarding my mortgage account. Specifically, I noticed that the Notice of Furnishing Negative Information you have on file is from XXXX XXXX XXXX XXXX, not from Amerihome. This raises concerns about the accuracy and validity of the information being used.

I request that Amerihome provide proof that I signed a Notice of Furnishing Negative Information specifically with Amerihome. Additionally, I would like documentation showing that Amerihome contacted XXXX XXXX XXXX XXXX to verify all payments received and transferred correctly between the two companies.

Please send me this proof at your earliest convenience, as the current documents appear unverified and inaccurate.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documents soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after LexisNexis claimed they removed it. The response from LexisNexis states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately
Product: Debt collection

Nationwide Credit , Inc. ( " NCI '' ) frequently contacts me more than once per day and more than federal laws allow. At times, the telephone calls take place up to XXXX times in a single XXXX hour period. See attached copy of the XXXX XXXX, 2015 demand letter for additional details and examples. 

Although NCI received the demand letter on XXXX XXXX, 2015, they continue to call me repeatedly. XXXX has called me no less than XXXX times between XXXX XXXX and the present date. See attached : copy of certified mail receipt ( front and rear views ) and photographs of my cellular telephone log. 

NCI also violates federal law by failing to provide me with the information to which I am legally entitled. On XXXX XXXX, 2015, I verbally communicated a request to receive both a verification of my debt and a current statement of my account to a collection agent known to me only as " XXXX. '' Although this person told me that I can expect to receive the requested information and that it would come from a Pennsylvania address, I never received anything from NCI. For this reason, I have no contacts, monthly statements, receipts or additional correspondence to submit.
Product: Debt collection

I went to the finance company on base and they told me I would have to pay the full amount right then or risk having my company commander finding all about this problem. They stated it was protocole to report to my Co. and let them know about my delinquency. They started to make calls to my HQ and informed my Co. about the balance on my dept, and it was now a default status and there was nothing I could do about it. I would have to pay the full balance today, or they would have no choice but to notify my Co about this, they would restrict my account to me, they would also need the vehicle returned to them right away and I would not be able to get it back. I would have very bad credit as a result of this problem, and it would take years to repair it. They wanted the money right away. I just did n't have the money amount they were requesting, almost {$6800.00}. They came to get the car picked up, and told me to start looking at my credit report, as the negative information should be showing up pretty soon. I was so very embarrassed they contacted my company commander, and those around me on base regarding my credit issues. I felt as if I could do nothing at all, helpless to help my situation at that point. As a result of this problem, I could not get further credit anywhere, and my credit rating actually went down because of this also. We would like the additional money to deal with this problem, and to address the loss interest we would have incurred as a result of my partial payment made that I lost due to it not being returned. I have paid credit agencies money to try to clean up my credit rating, but it still shows negative from the Navy Credit union, it seems like my money is not doing anything so far, just wasting away. I am asking for help to help restore my credit rating as a result of my NCU account showing negative. I just want it back to where it was prior to this loan. Nothing more. I will now have to have a credit monitoring system in place, as the government seems ca n't do it either. I just want the right thing done here. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX refuses to delete the following accounts. 
XXXX XXXX XXXXXXXX charge off XXXX XXXX Its to my under that CFPB has sued these two companies for this same reason they are doing to me.

I have provided proof that these accounts do not belong to me and they refuse to delete.

These accounts above on my credit report. It Is hurting my financial well being and my life.
Product: Credit reporting or other personal consumer reports

There is no changes within the last 90 days. I still have late payments on my account that should have been removed addresses that is not mine accounts that are not mine names that are not mine and not spelled correctly.
Product: Money transfer, virtual currency, or money service

CASH CENTRAL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX The company listed above is on my credit report. I have no idea why they are on there. I'm hoping they can remove it. During the time they have stated I was not even in the US, I was working in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under a ppen end consumer credit plan as late for XXXX XXXX XXXX XXXX purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased {$3000.00} XXXX on XXXX 's trading platform. I made this purchase using a debit card. This was my first and only transaction using RobinHood 's services, primarily intending to send this currency immediately to my alternate wallet. When attempting to transfer these funds to my wallet, RobinHood immediately canceled the transaction and froze my account. RobinHood then requested three things ; photos of my government ID, live selfie photos, and a XXXX of the bank statement associated with my debit card. I provided these three materials immediately. They finally proceeded to reach out to me five days later, on XX/XX/XXXX, however, I regrettably missed their phone call. I then went into their XXXX app to request a callback, where I have been waiting on their queue to be contacted again for several days now. Unfortunately there is no alternate way to contact them. Their support phone number, using an automated recording, redirects you to the app. If you attempt to live-chat or email them, you are also redirected to waiting in this support queue. The app alleges they will call you back in thirty minutes, however, days have passed. This is not an isolated incident either, upon doing research on XXXX and various other avenues, apparently this is a common practice for RobinHood. This almost appears to be a systematic and calculated approach by them. Most people state waiting weeks, even months, for a call back that never comes. Many of the people that finally receive a call back state that the call will suspiciously " drop '' when they finally get to speak to the representative. I've further read that most people find the only solution is to file legitimate government complaints to remedy the situation. RobinHood takes no accountability and does not care about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act : XXXXXXXXGENESIS RETAIL XXXX XXXX GENESIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : also states a consumer furnish an account without any written instructions.

15 1666B : A creditor may not treat a payment on a credit card account under an open - end consumer credit plan as late for any purpose.
Product: Debt collection

Requested a XXXX XXXX XXXX of XXXX signed contract I made with this company. Have yet to provide anything.
Product: Student loan

dept of ed / telnet account been open for XXXX  years and XXXX months, total owe is XXXX no actions were taken I no longer am elibigile to pay this I would like for it to be forgiven
Product: Debt collection

I am a federally protected consumer and Lockhart, Morris & Montgo has violated me under the provisions of 15 USC 1692. Please review attached documentation.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to the following accounts on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Discover Bank - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I previously submitted a complaint regarding this matter and I thought that the Credit Bureuas already took action due to the letters I have been sending. As of now, I am submitting this complaint once again in hopes that the Credit Bureaus would take proper action and have the following inquiries removed as soon as possible. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Received credit report dated XXXX XXXX, 2017, Confirmation # XXXX which is currently correct. Information and score submitted to XXXX XXXX by Equifax is incorrect : Equifax reinstated XXXX XXXX as well as incorrect score of XXXX. Equifax subsequently stated that they can not change a credit score? Is that to say they WILL NOT correct their errors? ANY company that produces incorrect information, regardless of model used, should have the means to correct it. As of today the information is still incorrect. Screen print provided. Additionally, I logged into my Equifax account and all they provided without charge was that XXXX was the average score for my zip code. Otherwise, it was selling as usual ( screenshots attached ). 

So, I also request and grant permission to CFPB to actually pull my current credit report and score to have them on file in conjunction with any fine that should be imposed as well as additional evidence to support my subsequent lawsuit claims.
Product: Mortgage

I have been adding principal payments to my mortgage loan which was due XXXX 2025. I assumed that was an agreement between the lender and me that, as long as I paid the full amount by 2025, there would be no penalties. Now the loan is within one payment of me paying it off, but the lender says if I do n't make a monthly payment, I will be assessed a late fee, plus extra interest, even if, by terms of the loan that last payment is n't due for another 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report on XX/XX/XXXX. Upon Review of my report, I saw that Transunion is reporting a collection account listed as XXXX XXXX XXXX, account # XXXX, in the amount of {$220.00} that I do not owe. I sent a letter to Transunion on XX/XX/XXXX stating this this is being reported in error and asked for validation of this account. I received a copy of my updated report and it stated that the account was verified and reported accurately. I sent another letter to them, once again disputing this account on XX/XX/XXXX asking for this account to be validated and to send me written proof, a signed document, contract or the name, number date of who they spoke to and I received the same response, a letter stating that the account was verified and no proof of anything. I sent another letter XX/XX/XXXX and I received the same response. No proof, just a letter that stated as verified accurate. 

Despite three written requests, the unverified item listed above still remains on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that theyverified that these items are being reported correctly? I have the legal right under the FCRA to know who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX Account Chase # XXXX has violated my rights. 
15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is incorrectly reporting that I was past due on  XXXX  different  XXXX  student loans from   XX/XX/XXXX  to  XX/XX/XXXX . This is  not correct information as the account was consolidated and transferred to a new servicer. The account numbers for the  XXXX  accounts are : "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  '', "  XXXX  ''. I always made my scheduled payments on time and I never let it run late. I have disputed these inaccurate late payments on numerous occasions with the credit bureau but they have disregarded my disputes as frivolous and ignored my requests. I reached out to  XXXX  and they sent me a comprehensive payment history showing how I was never late on my student loans. I am including this payment history attachment in this complaint so the credit bureau can update their records and process my dispute properly. I sent this same information to the credit bureau but to this date, nothing has been done to process my request.
Product: Credit card

I had my ID stolen in XX/XX/XXXX. I had to file a police report, XXXX and I put 7 year fraud alerts on all 3 of my credit reports and signed up for XXXX XXXX. I am supposed to get a phone call before my credit is used for anything. On XX/XX/XXXX I received an alert from XXXX XXXX that I had a hard inquiry on my XXXX XXXX XXXX report from JP Morgan Chase credit card. Someone had opened a card in my name. I called Chase & asked them why they didn't call me first. They gave me some run around lame excuse that it was because it was opened online. They promptly closed it & marked it as fraud. On XX/XX/XXXX the exact same thing happened. I called Chase again & got excuses again. They force sent me a packet on fraud, which I didn't need or want. Chase also said they would send a letter to the credit bureaus to have both hard inquiries removed. At this point, I went ahead & put credit freezes on all 3 of my reports. A few days later someone again tried to open me a Chase credit card but it did not go thru this time & yet no one from Chase ever called me to confirm it was me. Chase is not following the protocol for when people have fraud alerts on their credit reports! Finally at almost 90 days out the hard inquires have not been taken off my XXXX or XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOE/XXXX XXXX {$81000.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Account showed up on my XXXX XXXX have reached out exactly 120 days ago. 

Nothing back from them to confirm or let me know what the debt is about.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXXXXXX XXXX XXXXXX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XX/XX/scrub>XXXX  today I called because I received an email that my bank account was restricted for usual activity and was given no reason why or how to get access to money. Just that they are doing a internal investigation and can't give any information to me why Now my money is tied up and I can't pay my bills