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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 59XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I applied to the MA Homeowners Fund Assistance in XX/XX/XXXXXXXX  & by XX/XX/XXXX, I was 3 months past due on mortgage payments & qualified for pending HAF application acceptance. I kept PHH Mortgage appraised by phone stating my HAF application was accepted pending validation of my arrears from PHH Mortgage. I asked that notification be noted in my mortgage file of my HAF application. On XX/XX/XXXXXXXX  HAF Program sent a request on the official XXXX secured portal to PHH Mortgage requesting validation of my arrears. I worked with a specific HAF Rep, XXXX XXXX, who sent a screenshot copy to me by email to verify the request went to PHH Mortgage on XX/XX/XXXX. I have retained the email screenshot & all subsequent update emails from HAF. To date there has been no response from PHH Mortgage to HAF Program. PHH Mortgage denies receiving any request on the secured portal, regardless of the copy I forwarded to them verifying the request was made. Unless PHH Mortgage responds to HAF, I am in jeopardy of my HAF application being closed as a result of " No response from PHH Mortgage. '' HAF provides a 90 day grace period for the mortgage servicer to respond & that grace period is up XX/XX/XXXX. Correspondence & emails back & forth from me to PHH Mortgage is not getting anywhere. They still deny any request from HAF for my arrears, even with proof of the screenshot copy I sent them! If the Banking Commission doesn't intercede compelling PHH Mortgage to comply as they are required to do under the agreement they signed with MA, I am at risk of a foreclosure. I am XXXX XXXX XXXX & struggling to keep my home. The HAF Program was a blessing to have found, but my mortgage servicer is being noncompliant at my expense. 
PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I REACHED OUT TO XXXX XXXX XXXX BECAUSE MY AUTO LOAN IS REPORTING LATE PAYMENTS FOR SEVERAL MONTHS AND I WAS NEVER LATE. THEY SAID THEY WOULD FIX IT WITH THE CREDIT REPORTING AGENCIES AND THE XXXX, EQUIFAX, AND XXXX AND XXXX IS STILL REPORTING THIS INFORMATION AS ACCURATE. I HAVE SENT A COPY OF THE LETTER HEAD THAT I RECEIVED FROM XXXX XXXX XXXX STATING THAT MY ACCOUNT IS CURRENT AND WAS NOT LATE. I'M ATTACHING A COPY OF MY DISPUTE LETTER WITH THE LETTER HEAD THAT I SENT TO THE CREDIT REPORTING AGENCIES. SENT CERTIFIED MAIL ON XX/XX/2023 AND THEY RECEIVED IT ON XX/XX/2023. ALSO, THERES A CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX THAT I WANT REMOVED ALSO BECAUSE THAT ACCOUNT DOES'NT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and I have been trying to get the creditors listed below to the fraudulent accounts below, that I did not open. I have submitted a ; police report, FTC report and provided proper ID and these companies still refuse to remove the accounts out of my name. 

1. XXXX ( I DID NOT OPEN THIS ACCOUNT ) 2. SYNCB/WALMART ( I DID NOT OPEN THIS ACCOUNT ) 3. XXXX XXXX XXXX XXXX ( I DID NOT OPEN THIS ACCOUNT )
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT Fl XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. A Bankruputcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT FL XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, Experian ) has found information on ( type of file - Tax Lien or Bankruptcy )  through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with Experian on a few different accounts that werent mine. After going through great lengths to try to prove why the account shouldnt be on my credit report, Experian refuses to do anything. The same accounts were disputed from the other reporting companies and removed. I feel like they put zero effort into getting facts, or protecting me from fraudulent activity. Within a matter of a day or two I received notification that their investigation was done! How can they do a thorough investigation in that time frame?? They leave past diehard hits on my credit report-past the 2year Mark. I was also informed by them once that I couldnt dispute the same thing without new documents and even then I need to wait 30days. I feel they are workin with the creditors and against the people. This last dispute I filed with CFPB because they were refusing to remove it, even though XXXX XXXX had. The company responded to remove it, yet its still reflecting on my credit report. I was just denied a business credit card because of it ( I thought it had been removed when I applied ) so now I have another hard hit and denial because of the false reporting of a bad account and the number of credit hits Ive had. Something needs to be done with them. They our branch to other countries when you call in to speak with someone. You cant even understand them and they are rude and unhelpful. The XXXX agreed to remove the same account wehadto complain about with a different reporting agency. They just sold it. So this is 2x with the same account. If they had really investigated they would have seen that. Why does XXXX figure it out but they cant? This account was closed with our CFPB complaint. It should have been removed by now.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX, Transunion, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, Transunion, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect fraudulent inquiries on my credit report that I didn't authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
XXXX5 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Vehicle loan or lease

I was pressured into co-signing a very expensive auto loan with Ally Financial by a car salesman and general manager at XXXX XXXX XXXX XXXX  XXXX. I was Coerced by the salesman and told that my credit would be the only way the loan could be secured. At the time I did not have steady employment or income to afford the payments on the loan if the owner could not pay. Emotional tactics were used to coerce me into signing the loan. I was under duress when the loan was signed. I had even cried before signing the paperwork. I am now unable to pay the loan as stated in the beginning and I was unaware of the interest rate or total amount of the loan. At the time I was XXXX and since then my credit has been ruined and neither I or the other co-signer can afford this loan. The salesman knew I did not have steady employment. I was working XXXX and had already signed for my own car loan that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX  XXXX AND XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to request the removal of fraudulent hard inquiries from my TransUnion credit report. I am a victim of identity theft and have recently discovered several unauthorized inquiries on my credit report. 

The following hard inquiries were made without my knowledge or consent : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported these fraudulent inquiries to the credit bureaus and have taken steps to freeze my credit and monitor my accounts for any further unauthorized activity. However, I believe that the responsible parties should be held accountable for their actions. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In addition, the FCRA requires credit bureaus to investigate and correct any errors or fraudulent information within 30 days of receiving a dispute. 

As a victim of identity theft, I am requesting that the CFPB intervene on my behalf to ensure that these fraudulent inquiries are promptly and permanently removed from my credit report. I also request that the responsible parties be investigated and held accountable for their actions. 

I am counting on your support to help me correct this wrongful action and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called in to Experian to dispute an address. On XX/XX/XXXX my entire credit score was gone from the page. What they told me that it reset itself. They told me that the score rests if there's any inactivity for 6 months. I never asked for them to reboot the system. I was then directed by Experian to go through some procedures to get my score back. One of the agents made me reset the boost they kept telling me that after the boost my score would be back in XXXX hours. On the website there's an score tracker where you can see my score of XXXX. I have been in contact with Experian spoke to supervisors as well and been hung on because they can not give me an answer. Both the customer service agents and supervisors have admitted as well that it was their mistake but can not do anything. They can go back and hear the recorded calls. Its been over XXXX weeks and I haven't gotten my credit score back. I'm being misdirected by Experian