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

I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. 

I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. 

Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. 

Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. 

I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. 

I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX
Product: Mortgage

This is not a duplicate, Mr. Cooper has owed me for force placed flood since XXXX, they didnt follow the RESPA and regulation X on notifications because I was on the phone with them monthly providing proof. They never returned the funds once t they had proof, they had 15 days to do that, additionally, when they finally did in XX/XX/XXXX, it was the incorrect amount and since I overpaid my mortgage payments in XXXX, they took {$5000.00} from the overpayments and placed it in escrow, they essentially used my overpayment to pay me the money owed back from the force placed flood from XXXX, its ridiculous. This company even used my unauthorized funds to pay Assurant for kickbacks. Thats probably why they kept taking the forced placed flood insurance that they reasonably knew I already had through my HOA.
Product: Credit reporting or other personal consumer reports

When a credit account is closed, particularly if it has been charged off, the reporting of the account to credit bureaus should reflect the account 's final status. A " charge-off '' occurs when a creditor determines that a debt is unlikely to be collected and writes it off as a loss. However, this does not absolve the borrower of the responsibility to repay the debt. 
Once an account is closed and charged off, the following should be considered : 1. Final Status Reporting : The account should be reported with its final status, such as " Closed, '' " Charged Off, '' " Settled, '' or " Paid in Full. '' The status should not continue to change or be updated as if the account were still active. 
2. No Continuous Reporting of Charge-Off : The account should not continue to be reported as an active charge-off after it has been closed. The charge-off is a one-time event that should be reported accurately in the month it occurred, and subsequent reports should not list it as a current charge-off event. The balance may remain, reflecting the amount owed, but the status should remain static as " Charged Off. '' 3. Impact on Credit Report : The charge-off will remain on the credit report for up to seven years from the date of the first delinquency leading to the charge-off. However, the continuous reporting of an account as " charged off '' every month after it has been closed can potentially mislead about the account 's status and timing, impacting the consumer 's credit score more negatively than it should. 



QUALITY ACCEPTANCE LLC it continuing to reporting as late payment are current this account has been closed for years and its ding my credit every month is reporting the saying but with a discrepancy the balance of the account close should say XXXX due to the fact that the creditor written off the amount of XXXX off the original balance of XXXX
Product: Debt collection

Southwestern Investors Group llc and XXXX XXXX who was recruited by Southwestern Investors Group llc has been threatening to file a lawsuit against me and also have me taken to jail for possession over stolen property when I never stole anything. This is over a game stop card I could n't pay. XXXX XXXX has many complaints from other people saying they told them similar things about being thrown in jail. I feel jeopardized that Southwestern gave my information to this company. XXXX XXXX claimed to be lawyers which they are n't. Southwestern acknowledged recruiting these people to basically threaten me with jail. I have been depressed, anxious and scared. Southwestern also said they are not a debt collector ( which they are ) and are merely a debt purchasing company.
Product: Checking or savings account

A check being sent for deposit in the amount {$24000.00} stolen from XXXX post office 's drop box on XX/XX/21. Wells Fargo ( XXXX ) accepted check as deposit on XX/XX/21 and transferred funds to " XXXX XXXX  '' ( XXXX ) on XX/XX/21. The check was endorsed and marked " Deposit Only xxx xxx ''. I DO NOT have a checking account with Wells Fargo! I received a copy of canceled check on XX/XX/21 and I spoke with Wells Fargo 's personnel and they said they couldn't help me, that XXXX  XXXX XXXX would have to initiate a request for records. XXXX refused to do so as check had been endorsed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a NOTICE OF DISPUTEXXXXMONTEREY COLLECTION SV violated my right to privacy, `I never had any contract or any agreement with them, they reported negative item in my consumer report in violation of 15 USC 1681 ( a ) ( 4 ), I never received any notice of negative information from them as mandated by 15 USC 1681s-2 ( 7 ) ( B ), They never had my written consent I AM DEMANDING THAT THEY DELETE THE ACCOUNT WITH ALL NEGATIVE ITEMS FROM MY CONSUMER REPORT IMMEDIATELY.

THEY ARE HARMING MY REPUTATION IN VIOLATION OF 15 USC 1692d ( 1 )
Product: Vehicle loan or lease

Once originally purchasing loan I purchased GAP coverage at the dealership. Ally financial repossed my car is was able to redeem car back but was not aware Ally canceled GAP coverage after making payment arrangements fore to redeem car. In XX/XX/year> car was total loss due to flood and I then find out Ally financial cancel coverage and did not apply funds to my loan. I have tried contacting Ally financial for the last 4 months not being able to speak directly with a person to help me with this situation. I keep being told supervisor will contacted nobody calls, send email requests nobody responds. I have now secured copy of funds that Ally received from canceling my coverage that was never applied to loan. Please advise. Worse company ever i will make sure to take to social media along with telling family and friends to never do business with Ally financial!!!!!!!!! Hate i even bothered after all of the stress this company have caused I would rather be without transportation then to have to deal with these type of people!
Product: Credit reporting or other personal consumer reports

This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. These include : Account Name : XXXX XXXX & Account Number : XXXX  ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX & Account Number : XXXX  ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX & Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX & Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX & Account Number : XXXX ; Credit Limit {$400.00} Account Name XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) & Account Number XXXX XXXX ; Date Opened : XX/XX/XXXX Account Name : XXXX & Account Number : XXXX ; Charge Off ; Date Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I request that TransUnion, XXXX, and XXXX block and delete these items from my credit report within four ( 4 ) business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate reporting of my name and address 's I have sent out certified letters
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I purchased an A/C repair kit from XXXX  for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with XXXX XXXX  to get this corrected since I did not buy 2 of them. On XX/XX/year> XXXX XXXX put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed XXXX XXXX XXXX XXXX XXXX XXXX hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my FICO Score 62 points based upon a XXXX Credit Card, which has never been late. We routinely pay the card in full multiple times each month to keep the balance low. In this particular instance, the balance jumped up 90 % for one day, and I have been penalized 62 points. I am searching for a home, and this fluctuation in my FICO Score does not help.
Product: Credit reporting or other personal consumer reports

Automotive credit XXXX Account reporting references late payment. Payments are on auto pay and they take the full amount out the XXXX of each month. However, for XXXX, they referencing {$43.00} still owed. Attached documents showing the month of XXXX XXXX and XXXX showing the full amount as agreed-upon taken out of my bank account and paid XXXX auto pay. The XX/XX/XXXX payment if it was not paid would only be a week and a half late at this point not even XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated on equifax If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as XXXX inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from XXXX to XXXX days. This allows you to check different lenders and find out the best loan terms for you. 

I have reached out to XXXX, XXXX, and Equifax to have this ran as XXXX inquiry being that is was in the XXXX day time frame. 

On my Equifax report it only shows XXXX inquiry because it was done within the timeframe.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Experian on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : 1. Inaccurate Account Information Account Number : XXXX Company Name : XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$370.00} Issue : The late payment reported on this account is incorrect. This account was never late, and I request that the late payment be removed from my credit report. 


XXXX. Account Not Mine Account Number : XXXX Company Name : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account does not belong to me, and I request that it be removed from my credit report.
Product: Student loan

I have loans with XXXX in the amount of about $ XXXX.Everyone knows that when you leave school, or graduate you will get a XXXX  month grace period before payments are due. I received XXXX grace period back in XXXX. I then recently left school again in XXXX of XXXX. I believed that I had another grace period, as the Master Promissory Note does NOT state that there is only XXXX XXXX grace period per loan. Once I realized that Nelnet has been reporting to all credit bureaus that I have been missing payment, and tanking my credit score, I reached out to them via email on XX/XX/XXXX. I was then told you only get one grace period. I asked that they send me a copy if the MPN I signed stating that. The document they sent me does not state only XXXX. It just says " a grace period ''. I responded and let them know this, and they asked that I call. I called on XX/XX/XXXX and the rep tried to reiterate the XXXX grace period policy, and I told her that the XXXX does NOT say that. She put me on hold several time while her and her supervisor tried to find where it states it. They could not. I was then told I had to send an email to XXXX to escalate my issue. I did so on XX/XX/XXXX. I received a call the next day I believe and was told that because my student loans are consolidated, I don't qualify for a grace period at all. I asked where that is written and I signed it, and he told me that the MPN for the consolidated loans does not mention grace periods at all, and I should have known that I did not get one. I said that lack of information is both unfair and misleading when all other loans do get a grace period. So why wouldn't I think it would also apply in my case. He basically said I should have known. I do not think this is fair and I just want them to report correctly to the credit agencies that I am not late on payments.
Product: Vehicle loan or lease

I paid off my car loan with Bank of America and received my title. Never had a late payment the whole loan. Now its reported as 30-59 days late and closed. My online account has been turned off so Im not able to see any information My score dropped XXXX points
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account appearing on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am exercising my right to challenge any inaccurate, incomplete, or unverifiable information that may be damaging my credit profile.

The following account is incorrect and must be removed immediately : Midland Credit Management /Creditor Name : XXXX XXXX XXXX Basis for Dispute : 1. Unverified Information : According to 15 U.S.C. 1681i ( a ), and 15 U.S.C. 1692C credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts. I demand documented verification that this account is accurate and legally belongs to me. If no verifiable proof is provided within 30 days, this account must be deleted. 
2. Failure to Adhere to Federal Standards : Recent actions by the Consumer Financial Protection Bureau ( CFPB ) have highlighted the frequent mishandling of consumer data by credit reporting agencies. The CFPB lawsuit filed in [ Year ] against XXXX, XXXX, and XXXX for violations of consumer rights under the Fair Credit Reporting Act ( FCRA ) is a clear indication of industry-wide misconduct. 
3. Case Studies of Violations : o XXXX was fined in XXXX due to its data breach exposing consumer information. 
o XXXX was sued in XXXX by the CFPB for deceptive marketing practices and failure to remove erroneous accounts. 
o XXXX has faced multiple lawsuits for failing to correct disputed consumer records. 
Given this precedent and the bureaus legal obligation under the FCRA, I demand the immediate removal of this collection account unless you can provide substantive, legally admissible proof that this account is valid and belongs to me. 
Requested Action : Remove the aforementioned account from my credit report within 30 days per FCRA guidelines. 
Provide written confirmation of this removal or verification of accuracy. 
If the account is not removed, provide a detailed explanation and copies of all documents used to verify the debts legitimacy. 
If my request is ignored or denied without substantial proof, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. 
Please consider this letter a formal request under the Fair Credit Reporting Act and confirm receipt by responding in writing to my address above. 
Enclosing : According to 15 U.S.C. 1692C Equifax have violated my rights by in lawful communication. Please remove these collections off of my credit report. According to section 1681e ( b ), section 1681i to 15 U.S.C. 1681 B, to 15 U.S.C. 1681 EB and section 1681s
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC is reporting 4 student loans as 120 days late when the accounts have been in default status for years making it look like they are new accounts. They also are unable to provide original promissory notes because they told me they acquired the accounts from XXXX. They also are guilty of re-aging the accounts several times within a 30 day timeframe on purpose, changing the status of the accounts from charged off, closed, and 120 days late multiple times which has resulted in my credit scores falling XXXX points. This is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report incorrect information. They also keep marking my complainst as duplicates. Please note the following NEW information ( last complaints continue to go unresolved as well ).

I just received an alert this morning that my socre has gone down again since my account is 60 days past due.

1 ) It is not ( see screenshot from app ) late. It is on track and no payment is due or late.

2 ) As company states that I regularly receive emails from them and open them ( as they say they are tracking me )- I'd like them to show me a single email that I have gotten about this.

3 ) See the screenshot from XXXX  where they are reporting 60 days late and an incorrect balance.
Product: Debt collection

A company receivables performance XXXX Is showing up as collections on my credit report for a account opened XX/XX/2020 with XXXX and a balance of {$270.00} first off I have a freeze on all three of my credit bureaus and no one contacted me prior to going in my Credit report they are putting me in collections as I did not open up an account with XXXX in XX/XX/2020. This company called about a month ago and I told them it was not me it could be identity theft as I do not have an account with XXXX and opened one XX/XX/2020 they told me they would remove it and instead they are reporting me to collections on all three of my credit bureaus and it is hurting my Credit and they lied to me stating that they would remove this instead they made it worse
Product: Student loan

XX/XX/2018, my payment was due for my student loan. I have been making regular payments for a year and some. I have however experienced a hardship and lost my job. We were strapped for money. I had to miss and delay some payments in order to meet our more important needs. Sallie Mae has continued to call me 5+ times a day, my husband as well, about the payment since the first day of the missed payment. XX/XX/2018, I called Sallie Mae to tell them to stop calling me 5+ times a day and informed them of my hardship. They didnt listen to my problem and said the calls will continue until you pay. I called for a manager and told them to stop the calls, but they still call my husband.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF XXXX  XXXX XXXX XXXX  ACCOUNT.I am a victim of identity fraudulent activity as I did not open this account. I am requesting that the account to be removed from my credit report and that I receive an accurate statement. I had disputed this issue with XXXX XXXX bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The account is visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, XXXX XXXX XXXX XXXX XXXX