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

I am a natural person, I am a living human being and I have rights under 15 U.S.C 1681. Equifax is govern by 15 U.S.C 1681 and they violated my rights numerous times. I demand the accounts listed be removed because according to 15 U.S.C 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

The account names listed XXXX XXXX XXXX acct # XXXX  and XXXX XXXX XXXX acct # XXXX. 

15 U.S.C 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 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 7 years. 15 U.S.C 1681 s-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

Hello I have call XXXX and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the XXXX and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX I have no knowledge of these companies
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS COMMITTED IDENTITY THEFT AND FRAUD. FAILURE TO A PROPER REINVESTIGATION REQUEST. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ACCOUNTS : [ XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ] PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT.

15 USC 1681 ( g ) ( a ) 1 The federal law states there is a description of the procedure attached to my file and I have the right to request all of the information in that file. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT TO A 3RD PARTY SUCH AS A CONSUMER REPORTING AGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, never missed a payment, never late, carried a credit score of over XXXX. Turned the vehicle in XX/XX/XXXX, lease was up on XX/XX/XXXX, I paid in advance to turn it in early, thought that was it. On XXXX XXXX I received a credit alert that XXXX XXXX XXXX XXXX reported me delinquent, late 30 days, but early termination, obligation satisfied. It dropped my credit score over 120 points. I called them, they said so sorry, we will start an investigation, and it would help if you could send supporting paperwork, which I did and even mailed return receipt requested. I also reported to XXXX  and XXXX and started disputes. On XXXX XXXX XXXX  sent me their investigation which found in my favor and changed the status Improved account no delinquency and raised my score to XXXX. I then called XXXX to see why I hadn't heard from them, they said they were still looking into it, which had me puzzled, they said they would know within 30 days. Yesterday, I received another alert that XXXX reported me delinquent again. I am so upset and distraught over this false reporting I called, asked for a supervisor and they said they will start ANOTHER investigation. Please someone help.
Product: Mortgage

I have a mortgage through Wells Fargo, which was a refinance in XXXX, and they modified my loan in XXXX, when I lost my job. I was current on my mortgage and remarried in XXXX. I moved to my husband 's home and we continued to pay XXXX mortgages, and attempted to do farming on the XXXX acre XXXX. We realized we could n't keep that up indefinably, so we went through a Realtor and sold it on contract at her suggestion. He stopped paying after about 6 months, so I removed him and rented it to someone else, who did the same thing. XXXX of these people trashed the place. I evicted the tenant, and since I have been unable to pay the mortgage, as we moved out of state, I have been trying to sell it on a short sale. We had XXXX decent offer, which came in at XXXX what I owed, and was refused. The appraisal they did on the property was a drive-by and did n't include any interior damage to the property. It came in at about what was owed on the property. My Realtor was disgusted and basically dropped the home after 6 months. I tried to contact my Home Preservation Specialist, but have yet to hear back from her, so I spoke to an associate and said I wanted to do a Deed in Lieu of Foreclosure. My response was the full Foreclosure Suit from the courts of the county the property. The XXXX is listed as XXXX Bank XXXX XXXX, as Trustee for XXXX Mortgage Loan Trust XXXX XXXX, Asset- backed Pass-Through Certificates, XXXX XXXX. What options do I have? I do not occupy the property, it is not worth what they say it is or what I owe on it, and they apparently do n't want to do a Deed in Lieu of Foreclosue. I have XXXX days- well XXXX now, to respond.
Product: Credit card or prepaid card

My XXXX card that I have through SYNCHRONY BANK has been closed by the bank. 
On XX/XX/XXXX I made a payment of {$150.00} only to get a letter a few days later stating they had closed my account because of to many dishonored payments. I have had NSF 'S but I also know that when you have them that you pay for them through fees. 
I have fell into hardship. I had an accident was out of work, went back to work, then Hurricane Florence hit, and that put me back out of work. As of right now my account is caught up. I had no idea about the closure until I received a letter ... I then called Synchrony Bank and talked with 2 representatives and got no response except you can't have NSF 'S with us or we will close your account. They acted like they could careless about anything. Not profesdional and that is not acceptable I have paid the fees when that happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted Transunion and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX  to request removal of the additional inquiries from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 
XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my credit was ran without my knowledge or consent by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Innovis continues to report incorrect information on my consumer report. My name is XXXX XXXX my address is po box XXXX XXXX XXXX MI XXXX there should me no other information on my report it is incorrect and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute incorrect personal information on my credit reports with XXXX, XXXX, and Equifax. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and the following discrepancies violate these protections : Personal Information on Credit Reports : Name Discrepancies : Reported names : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Note : The incorrect names might belong to my father or grandfather, as I am a junior. 
Date of Birth : Reported XXXXXXXX XXXX XXXX Correct DOB : XX/XX/year> Current Address : Reported addresses : Variations of XXXX XXXX XXXX Correct address : XXXX XXXX XXXX, XXXX, GA XXXX Previous Addresses : ( These addresses do not belong to me and may belong to my father or grandfather ) XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, LA XXXX Employers : Reported employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Correct employer : XXXX XXXX The FCRA mandates credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). Moreover, they are required to investigate and correct any inaccuracies within 30 days of receiving a dispute ( 15 U.S.C. 1681i ).

This is my fifth attempt to resolve these inaccuracies, and I am requesting immediate correction to prevent further impact on my credit score and potential financial harm. I urge the CFPB to assist in ensuring the credit reporting agencies comply with the FCRA and rectify these errors promptly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all three of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported two inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX and then reports no other data for any of the other months or years. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First XXXX XXXX XXXX Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XXXX, XXXX, XXXX, XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The Second XXXX XXXXXXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The Second XXXX XXXX XXXX Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but regional acceptance continues to report to the three credit bureaus that I am still past due {$9700.00}. after it reported a XXXX to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % 100 accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these XXXX accounts listed below are in violation of not reporting % 100 accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX XXXX Acct # XXXX ... 

XXXX XXXXXXXX XXXX Acct # XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME FRAUDULENT ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND HAS PUT A STOP TO ME PROGRESSING INTO THE FUTURE THAT I HAVE PLANNED FOR MYSELF. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf.
Product: Credit reporting

Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.
Product: Checking or savings account

deposited check into new Capital one savings account. was notified my deposit would be on a 5 day hold and set to be available XXXX the XXXX. which is very fair considering this is a brand new account. 

few days later, see i am now unable to withdrawal funds from this account. 

call capital one and they say they need me to verify an external bank ive linked. i verify and am told that the restriction should lift. 

days later i am still seeing the notice on my account. i call capital one and am told that they need to verify the check with issuer- okay. i provide the mobile number i have and am told that the number is non verifiable. its the only number we have for them and i suggested the issuer call capital one to verify. was told that is not possible. 

XX/XX/XXXX arrives and funds are available- yay! now i can pay rent, right? nope! still a restriction on my account. 

i call capital one today to attempt to verify the check again only to be met with the same response- we can not verify with this number. 

i dont see why it is my responsibility to verify check with issuer, especially since the check has already been cleared and made available. and even if so, why can they not just call up to capital one to verify any information needed?
Product: Mortgage

I have a mortgage with Caliber Home Loans. The mortgage is currently 5 years and 2 months old. I had an appraisal done on my home in XXXX of 2020 that stated the home was worth {$420000.00}. Caliber Home Loans received a copy of that appraisal in XX/XX/2020 and they have it in my mortgage records right now. I currently owe {$320000.00} on the mortgage. Using these solid numbers, the current Loan To Value is 76.5 %. Per the PMI rules for my loan, the LTV must be below 80 % and the loan must be 5 years old or greater. I currently meet both of those criteria. Caliber Home Loans is telling me that I have to get another appraisal ( at my cost ) in order for them to consider removing the PMI monthly premium. 
I have called multiple times into their call center and have not been able to get anyone on the line that can answer even basic questions about PMI and what is necessary to get it removed from my mortgage. They just state repeatedly that I have to get another appraisal, which I know I do NOT need to do. 
They also do things like put me on hold for 30 minutes or more, transfer me around to others who also know nothing about PMI, and refuse to let me speak with a XXXX or anyone that can speak knowledgeably about PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
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.
Product: Student loan

As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.
Product: Credit reporting or other personal consumer reports

This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from XXXX as of XX/XX/XXXX. However Equifax and XXXX claim to have verified as accurate the very same information XXXX could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my Equifax from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please.
Product: Student loan

In XX/XX/XXXX I filed for bankruptcy. I was also told that some loans would not be covered in the bankruptcy, but reading this particular article where you have settleed a lawsuit against navient in XXXX. And since I filed in XXXX. Does that qualify me to have my loan dismissed? They were subsidized. 
I was just wondering.
Product: Mortgage

Around XX/XX/2019 I contacted XXXX XXXX about a refinance of our home. They put me in touch with Nations Lending. We had just been through a huge ordeal with another mortgage company. So I called Nations Lending and ended up with XXXX XXXX. I made it clear that we a foreclosure that was a few months away from the seven year period. We discussed loan options and we got a quote over the phone. We were assured that foreclosure was not a problem because it was so close to being over with. We were given an option of a 15 or 20 year refinance. We decided on the 20 year loan at 3.87 % for a payment of XXXX a month. The paperwork we were sent was not even close to what we were quoted on the phone. When I told them I wouldn't sign the initial documents XXXX XXXX said it didn't matter " Only the final documents mattered. " Then things went downhill fast. We went from being told the underwriters said everything is going great. We should be closing very soon maybe a week or two. To XXXX getting a really bad attitude. So I contacted the person that was his supervisor XXXX XXXX. I informed her what was going on. XXXX said she would find a loan that would work for us. When she called back she said the " Only loan " she could offer us was a thirty year loan. This new 30 year loan was going to be way more than the 15 year loan choice they gave us at the beginning of this nightmare. XXXX said no reputable company could even make the loan we were quoted by the first company ... But the strange thing is the loan we were told about on the first call with Nations Lending was only about {$10.00} a month more than the first company. I sent her an email saying this whole loan situation sounds to me like a " Bate and switch deal. And no thank you. Now they send me a letter of credit denial, termination, or XXXX. With the box under Credit portion, garnishment, attachment, foreclosure, repossession or collection action or judgment, box checked. We told Nations lending NO and now they are sending us this letter that they are refusing us. This is a case of them trying to stick us because we wouldn't give into unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them immediately.