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

In XXXX and XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified account : XX/XX/XXXX -- Account Number XXXX. In those 2 Months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit card

On XX/XX/XXXX I made a purchase with my XXXX credit card through Comenity bank for {$73.00}. I canceled the transaction and decided to go into my local XXXX to buy the game. I received an email showing it was canceled. 

I received a statement showing the one transaction that was done at my local store. I made payments for this amount in full. I made a payment for {$50.00} on XX/XX/XXXX and the other payment of {$23.00} on XX/XX/XXXX. 

I received a statement that had the canceled transaction for the same amount and filed a dispute. I received a letter stating that my dispute was canceled on XX/XX/XXXX due to missing information. 

I sent the Comenity bank the information showing it was canceled but was told it was the wrong XXXX XXXX XXXX XXXX. So I sent the information to their secure message on XX/XX/XXXX. I was assured the dispute would be reopened and resolved. I have been contacting comenity bank through this secure messaging and via phone since. I have all the messages and dates on my XXXX account if needed.
Product: Money transfer, virtual currency, or money service

My account was allowed to withdraw funds on XX/XX/year>, during which time I linked my XXXX XXXX XXXXXXXX XXXX bank account with tail number XXXX, unfortunately the system deleted my linked bank, and now I am unsuccessful in re-linking to a new bank, I have contacted paypal customer service representatives several times over the phone during the time of the problem, and I have received email notifications from I have contacted paypal customer service representative by phone several times during the problem, and I also received an email notification from paypal to remove some of the limitations, but at this moment, I still can't withdraw cash from my new bank, please help me, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not removed a disputed account. After multiple attempts they have also not sent me any accurate information via mail from them verifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX XXXX record on my report from places i've never been, or lived. Also, several names that are attached to me that i've never used for any reason.
Product: Debt collection

Police report for XXXX XXXX, dating back to 2021 and XXXX XXXX report was provided to LVNV funding LLC. I had no knowledge of this account until 2021 which is why the police report was filed at that time. 

A representative confirmed receiving this information. This phone call was recorded as evidence that LVNV funding LLC has received my documentation. They have not closed the account.
Product: Debt collection

I was approached in my driveway and a man handed me a packet. He just asked my name and said this is for you. I looked like I was being sued.
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 XXXX : Account XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX has violated my rights. Or 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

XXXX finance let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX finance continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX finance to dispute the debt only to get cussed at
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX******* I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and XXXX  regarding an account being reported by EASTERN ACCOUNT  SYSTEM XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Mortgage

I originally requested an XXXX XXXX to be done when I got cheaper insurance in early XXXX. When I called into the company, I was transferred to some department and given an email to send my updated insurance premiums to get the analysis done. After a few weeks and no response, I called back in to find out they never processed my escrow analysis as requested and was told to resubmit. Now this was XX/XX/XXXX, almost XXXX weeks after my original request. I was told by multiple employees it would be XXXX business days to get it done. Well, after XXXX  days and now mid XXXX, I still did not hear anything so I called back in to find out that it's now XXXX  days and the previous XXXX employees were wrong. So now its been XXXX business days ( XXXX XXXX ) and they sent me an updated escrow analysis using the wrong premium amounts, double charged my hazard payment and used wrong renewal dates to increase my escrow payment. They are trying to commit escrow fraud by making me agree to a faulty escrow analysis and said I never submitted the premiums even though I submitted them multiple times as requested. Then the employee threatened me that a new escrow analysis will only be done after I pay the mortgage payment for the incorrect escrow amount. All my phone calls with them was recorded and am requesting that an investigation be done into this so called debt collector acting as a mortgage handler.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized hard inquiries on my credit report. I have reviewed my credit report and found these inquiries, which I did not authorize. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these inquiries and provide me with the results of your investigation. If the inquiries are found to be unauthorized please remove them from my credit report. immediately.
Product: Mortgage

My husband and I applied for preapproval with Freedom Mortgage wherein they submitted an email to my landlord indicating that we had great FICO scores and see no reason why we would n't be approved for a mortgage loan. After providing our driver 's licenses and other identifying information which revealed our ethnicity, we were asked to supply a numerous amount of documentation that was not relevant to the loan application. We were subsequently denied a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 

CREDIT TECHNOLOGY- XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX This company is in clear violation of the law. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave this company written instructions to furnish these inquires on my consumer report! 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681b ( c ) ( 1 ) and 15 USC 1681b ( c ) ( 3 ) clearly states : 15 USC 1681b ( c ) ( 1 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; 15 USC 1681b ( c ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX, XXXX, has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 
According to 15 U.S.C 1681, Section 602 A, states I have the right to privacy. 

The following addresses do not belong on my credit report : XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXXXXXX XXXX, RI XXXX XXXX XXXX XXXX XXXXXXXX, RI XXXX XXXXXXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Card Report # XXXX for XX/XX/19 both cards ending on XXXX  report account last XXXX XXXX & XXXX page 3 of 10 show ( ND ) in which the payment was made on XXXX XXXX   has error after error in reporting the correct information. Also XXXX   wants to blame the reporting company it goes on and on with XXXX   reporting info correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX  made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive been dealing with an issue involving the credit reporting agenciesExperian, TransUnion, and XXXX Im hoping you can help address. These agencies are allowing companies to pull hard inquiries on my credit report without a permissible purpose, which, as I understand it, is against the Fair Credit Reporting Act ( FCRA ). 

As you know, the FCRA requires that hard inquiries can only happen with a consumers clear consent or for certain legitimate reasons, like when applying for a loan. But Ive noticed that these inquiries are being made without my consent or any valid reason, and its damaging my credit score. This not only causes confusion but also unnecessary stress for consumers like myself. 

Whats even more frustrating is that Ive given Experian, TransUnion, and Equifax over XXXX  days to look into this, as the law requires, and Ive received no response from them at all. This complete lack of communication is deeply disappointing and feels like a clear violation of my rights under the FCRA. 

Id really appreciate it if the CFPB could look into this situation and take appropriate action. Its crucial that these agencies are held accountable and that consumers rights are respected, especially when it comes to our credit. 

Thank you so much for taking the time to read this. Im hopeful that this issue can be resolved soon. 

Sincerely, XXXX XXXX XXXX to remove from report XXXX XXXX ( FINANCE ) XXXX XXXX XXXX  ( RETAILER ) XXXX XXXX XXXXXXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( DOUBLE HARD PULL IN XXXX MONTH ERROR )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. XXXX advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. Early warning have been notified i have filed disputes, they have not provided any information as to how this can be accurate. XXXX XXXX XXXX as well as early warning both have class action lawsuits in the works, and have lawsuits pertaining to this. XXXXralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both XXXX and Early warning for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

***THIS IS URGENT!!!!! **** I submitted a prior CFPB complaint against XXXX XXXX to have my account information corrected on my credit report to correct the payment history to reflect NO late payments, as a 30-day payment was being reported for XXXX, 2020 that was not correct ( on Equifax ) XXXX Per the company 's response ( attached hereto ) they confirmed the inaccuracy and claimed to have submitted the information to correct the error to the credit bureaus. However, when I pulled my updated credit report instead it now shows WORSE information instead ... .a 60-day late instead and no correction made for the first error as agreed!!!!!!!!!!!!!!!!!!! As I previously stated, I am in the process of purchasing a new home and this has created serious issues with my loan. I am now being denied because of this continued error!!!!!!!!!!! This is completely unacceptable and I need this fixed CORRECTLY immediately as I was told in writing would be done by XXXX XXXX XXXX, Manager of Customer Service w/XXXX XXXX! I am not sure how such a serious error can be made on someone's account, but this has to be rectified immediately as this is causing me serious financial damages at this point. I have NEVER made ANY late payments on any accounts with XXXX XXXX and I need ALL credit bureaus to reflect this accurately. Currently, Equifax is now showing a 60-day late payment per attached report!!! How that is even possible, when it was only 30 days late before for the same month! Suddenly, now there is NO 30-day late, but a 60-day late????????????!!!! Ridiculous. I do NOT have 60 days for this to be corrected due to my loan in process. I need this correction submitted immediately and the XXXX # s provided to me. I also now need a written letter from Freedom Mortgage admitting to this error for my current underwriter, as they now feel I am not telling the truth and need documentation in writing from XXXX and a corrected credit report showing NO LATE PAYMENTS!!! I have never in my life seen such complete negligence. I have spoken to an attorney regarding this and will be retaining legal representation if this is not corrected within 24 hours of receiving this complaint. I can not wait any longer, as I am in the process of obtaining financing for my home purchase. Please understand the seriousness of this matter and rectify this promptly!
Product: Debt collection

In accordance with the Fair Credit Report act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681XXXXXXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account number XXXX.Violated my rights.15 u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage with Nationstar ( Mr. Cooper ) was transferred to XXXX XXXX XXXX on or around XX/XX/2015. After a few months making my payments to XXXX XXXX, they added {$15.00} for a fee. I called them to inquire about this fee and they told me they didn't know what it was for but they were legally entitled to do it as per my mortgage document. I wrote a letter to them asking for the specific reason for the fee and they answered stating that it was for a Property Inspection ordered by the previous lender ( Nationstar ). I believe consumers are not to be charged for expenses incurred by mortgage companies to transfer mortgages between them because we don't have a saying in the process and we didn't ask for it. 
My concern is that this is a hidden fee being charged to other consumers and nobody complains because is a small amount and they don't want to the trouble of claiming it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX