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

EQUIFAX INC. 'S CREDIT CONSUMER REPORT SERVICE IS IN VIOLATION OF THE ( FCRA ) RULE OF LAW ENFORCED BY THE DOJ DEPARTMENT. 
EQUIFAX INCXXXX IS CURRENTLY LISTING AND PROVIDING FRAUDULENT UNAUTHORIZED INQUIRY INFORMATION TO THE PUBLIC. 
I DID NOT REQUEST THAT THESE COMPANIES PULL HARD INQUIRIES FOR ANY TYPE OF SERVICES, # XXXX XXXX  ON OR ABOUT XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX ON OR ABOUT XXXX XXXX. 
THE SAID ABOVE INQUIRIES THAT EQUIFAX INC. IS REPORTING IS IN FACT FRAUDULENT, AND SHOULD NOT BE REPORTED TO ANYONE ' DUE TO ID THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX  XXXX  2 ) XXXX  CARD 2 ) XXXX/XXXX  4 ) XXXX/XXXX  5 ) XXXX  I am 100 % sure that Equifax, XXXX, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX/XXXX  that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX card, XXXX, and XXXX/XXXX  accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, Equifax, XXXX, and XXXX  has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission.
Product: Credit card

I had XXXX cards with synchrony. XXXXXXXX care credit, Amazon & belk. Theyve balance chased me on my XXXX card for a year and destroyed my credit by slashing my limit to within $ XXXX of my balance. My belk card was at {$0.00}, I used it for a little over {$100.00} and they slashed my limit from {$300.00} to directly over my balance as soon as I used it. I paid it off and closed it. When I did this, they slashed my care credit card to barely over my balance, I disputed it to no avail. I recently paid my amazon card completely off, within the past XXXX weeks, and today they closed the account completely. Mind you I have never been late on these accounts, possibly within a day or so because i simply forgot about a due date but never more than that. The majority of the time I pay more than the balance due. When I threatened to pay off and close all my accounts the rep offered to dispute it, but had no record number to give me for that dispute, and afterwards closed my amazon. Theyve dropped my XXXX XXXX almost XXXX points in a year and every other card has raised my limits without my request. Theyve impacted my insurance rates, and every other financial transaction I have had because of this. There are XXXX complaints all over social media and online forums that they do this to all of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information, no knowledge of account, FTC violation
Product: Mortgage

My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.
Product: Debt collection

I settled a private student loan debt with Convergent Outsourcing, and I set up a plan with an agent to have money auto drafted from my bank account monthly until the debt is paid. I have them the initial ( approximately ) {$5000.00}, and around {$420.00} is supposed to come out on the XXXX of each month. The XXXX came and went in XXXX, and nothing was taken out. I tried calling multiple numbers associated with that company, and I keep getting the same automated message every time I call. It says to call back later. 

I just got out of XXXX XXXXXXXX, and Im trying to build my credit back up. Im afraid they are going to claim that I didnt pay and take me off the settlement. Ive called multiple times since Thursday the XXXX. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX   XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX XXXX {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have new and updated information regarding these negative accounts that are reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved.

I have ask all 3 of these credit reporting agencies to update my address to and remove these negatively reporting accounts to my credit profile via mail and they have failed to do so. I have used their online portals to dispute. I have used the XXXX to dispute and they still continue to violate and hurt me.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Debt collection

I received an alert from XXXX stating that a collections that was placed on my account. I immediately called Credit Management and was unsuccessful to speak to a live rep due to the information on file does not match what the agency has on their file. 


I am requesting the debt collector to produce account statements, a signed agreement, and other documents showing it is legitimate and authorized to collect the debt matching my personal information including social security number. 

When I attempt to call concerning the debt I am told my social security does not match what is on file. There has been an identity theft I believe. 


I received credit alert on XX/XX/2023. 

I have reasons to believe this debt is not mine. 


Debt amount stated {$170.00}
Product: Credit reporting, credit repair services, 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. 

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, 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 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: Debt collection

XX/XX/XXXX. I had to call the debt collector company from XXXX XXXX XXXX to pay over {$2000.00}. I never asked nor took out a student loan from college. I failed all my classes due to peer pressure and feeling excluded. I have no way of paying back the money. I have not received any mail recently about the debt I owe. I was told that specific debt collect agency only takes credit cards not cash. Ever since, the debt I owed from XXXX, I have not received mail about the debt I owed and I do not know much I owe now. I am stuck and I just want to be debt free from college of XXXX. The only number I have is ( XXXX ) XXXX and I can not make out what the name of the debt collectors they are.
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 BALANCED {$670.00}
Product: Mortgage

We have paid consistently since XXXX. They have changed the payments every so often. They filed a foreclosure action back in XXXX or so and because of circumstances, forced us to enter into a temporary modification to repay and we made every payment and have done so. Then for some reason, even though we paid monthly, they filed foreclosure action again. We entered into another loan remp modification, made temp payments as agreed, but when temp modification concluded, they presented us with a new permanent loan modification that would have added an additional {$110000.00} of interest onto our balance. When I did all the calculations for them and did all the comparisons for them in detail, they did not even bother to respond. In facet, they said take it or leave it, but they did accept payment for every month since the foreclosure has been filed. It should be noted that the present rate of our mortgage is 6.9 %, over 4 % the going rate. They apply funds any way they see fit. We have requested on several occasions to work with us to resolve the matter because we pay, we have Illness in the family including XXXX, Post XXXX XXXX XXXX, XXXX XXXX XXXX, and still made payments every month the foreclosure has been pending, but without rational explanation, proper accounting of funds posted and proper rebuttal to the outrageous proposal in their original loan modification, they refuse to offer any reasonable mitigation or modification instead move like a predator. All this can be documented upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting all three credit agencies for disputes with information being reported on my credit report for over a year now starting in XXXX of XXXX. I have also disputed incorrect account information with the original companies. XXXX accounts in particular have not been resolved, XXXX XXXX, and XXXX XXXX XXXX. I have sent in every single document required including proof of identity and documents to dispute these accounts and to date the only response I have ever received from all XXXX agencies is the same generic response. I have only received emailed responses from Experian stating my disputes are now open, we are working on your disputes and they should be completed by this date, your disputes are now closed. Every response is the same and they always result in the same thing stating, " The account has been verified as accurate however, the account may have been updated ''. From my initial dispute starting in XXXX of XXXX I received NO response from anyone. A second dispute was sent 2 months later and again no response. Demand letters were sent around XXXX and again the only response was the same listed above. I sent the attached dispute letter and all required documentation again asking for a complete investigation, proof of investigation, documentation, etc..and once again I got the same generic responses and nothing else from any of the agencies. They are violating the FCRA and have failed to comply with requests and complete thorough and factual investigations. Per the laws they should have removed the negative items disputed immediately after failing to respond within the 30 day time limit, and failing to respond several months after. The last dispute demand letter was sent in XX/XX/XXXX and the tracking numbers are, XXXX, XXXX, XXXX. These accounts need to be deleted immediately due to FCRA and law violations. Furthermore, I have never received any letters or response from XXXX XXXX XXXX as well. I only knew about the account due to checking my credit report. They are damaging my credit for the same XXXX Account that I have been disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent experian, XXXX, XXXX  a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! equifax deleted all these accounts and sent me notifications that they did so. but experian, and XXXX  credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.
Product: Consumer Loan

Continuation of complaint XXXX. We have requested information from this law firm so we can defend ourselves against this predatory lending. We want the name of the person we can call at XXXX XXXX or the current collection agency that they sold the debt to plus all legal documents filed with XXXX County court. Copies of letters sent to our address. We paid this debt in full and the XXXX County Court where the new lawsuit was filed not a continuation of a debt that we quit paying, it was paid in full. We want any letters that were sent to our address which they have on file since the final payment we paid to the court sent to our address also. They have sent another letter since the complaint was filed and we responded to it on last week which is part of this ongoing case. This is predatory lending at its best. We are going to ask the Attorney General of our State to look into this matter. Attached in the most recent letter sent from their XXXX Office. We want the entire file sent to us # XXXX XXXX. XXXX XXXX XXXX.
Product: Mortgage

The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.
Product: Debt collection

I am writing to formally dispute a collection account that has appeared on my credit report. This account, which I believe to be inaccurate, is causing significant harm to my credit score and overall financial well-being. 

I have requested information regarding this account multiple times, yet I have not received any details about its origin or the specific debt it pertains to. I do not owe any money to the Treasury Department, and I find it troubling that this account has been reported five separate times without any accompanying documentation or explanation. 

Furthermore, I would like to note that XXXX has removed this account from my credit report because they could not find any reason for its presence. This reinforces my belief that the account is erroneous and should not be affecting my credit standing. 

The lack of information has left me confused and concerned, as I have not been notified by any collection agency regarding this supposed debt. As I am currently unemployed and relying on government assistance while seeking employment, the presence of this collection account is particularly detrimental to my situation. 

I kindly request that this collection account be investigated and removed from my credit report, as it appears to be reported in error. I believe that a thorough review will reveal that I do not owe this debt, and it should not be affecting my credit standing. 

My credit score on Equifax has dropped by over 100 points which is causing me mental health issues and caused me tremendous financial harm.
Product: Money transfer, virtual currency, or money service

XX/XX/23 the department of treasury sent XXXX my refund check. XXXX sent my refund to a wrong account to Netspend/XXXXXXXX XXXX. The account was listed in someone elses name and social, and Netspend depoisted my money in that account. Knowing that my information didnt match the account holders information. My tax preparer called XXXX and alerted them i never received my refund. Thats when i found out that, my refund was sent to this account. My taxprepaer was giving the name of the bank and trace number, call XXXX to inform them to send the money back. Netspend called and verified with my tax prepayer my information doesnt match the account and they refused to send the money back. They advised to take the issue up with XXXX or IRS. They could see that the money was deposited in someone elses account and they couldnt do anything. They advised its not there issue, but could see that, the account wasnt mine and still deposited my tax money in a wrong acct. Spoke with XXXX XXXX at Netspend and she refused to speak with XXXX about the issue. She said to do whatever, they wasnt refunding any money at all. Even though the account isnt mine. She refused to give me information and refused to give my tax preparer information about where my money was sent and to whom. SHe refused to open an investigation into the matter. My refund Trace # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA. 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 # N/A, account name XXXX : account # N/A, account name XXXX XXXX, account # XXXX, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

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

i bought giftcards off a company buy the name off XXXX  and i never got/ receved the gift cards i went to XXXX  and they tried checking the digital giftcard and they could not even check or see a balance said card invalid they told me its possible fraud that they should be able to check it and i bought a XXXX XXXX giftcard and never got it and they placed it on my credit reports hurt them bad and i contacted them mutiple times and they never would help told me contact the card issures and they said it was done threw XXXX  they have nothing to do with it all im wanting is the credit reports fixed and removed from reports and the debt even cause i should not XXXX to pay for something i never got /receved i lost more then a XXXX or more pionts because of them i contact them and i asked them would you pay for something u never used/ did not receve they could not responed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get my annual free credit report on XX/XX/XXXX and ( as usual ) Equifax would not make the report available online. I got the usual " mail us the form with all of your sensitive information on it for us to send you a report ''. I ended up calling the annual free credit report phone number and managed to get a report, but I now have to scan in 28 pages so that I can save the report on my computer. This happens every year and I have never received an explanation from Equifax as to why this happens. This also prevents me from filing a dispute electronically - again forcing me to send in more sensitive personal information. 

This same nonsense has prevented me from signing up for several US government web sites ( like Social Security and the USPS web site ).