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

I have tried to pull my credit report and I am unable to pull it from Equifax. The company have locked my credit file and I can't apply for credit or get a home loan. I have reported it several times. The agents that are out of the country will not assist me properly and is discriminating against me because I am a victim of XXXX  XXXX. Today, XX/XX/2022 I spoke with XXXX and she refused to remove the credit security block. She told me that the creditors must call to request my credit file. The creditors told me for my home loan that it is illegal and they will not do it. Equifax have also refused to dispute any items on my credit file. 


I am a victim of XXXX XXXXXXXX. I am a victim of ID Theft. I was XXXX. I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because XXXX XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from NCA or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report XXXX refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with XXXX with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as NCA through XXXX but it is still for the inaccurate loan from speedy cash.
Product: Credit reporting or other personal consumer reports

A charge off on XXXX is showing charged off on XXXX different dates? How is this possible and there was never any 1099c sent to me? Also I believe this is a serious violation. Furthermore they reported id completely different on transunion credit reporting agency? This shows how US bank is not following federal policy. Also how can it be reported as paid in full from one agency but charge off on another with a balance? I have disputed these inaccurate reports but nothing has been done other than updating new dates to keep this inaccurate information on my reports? I included both XXXX report so it can be compared to XXXX and also XXXX due to inaccurate reporting. Due to multiple inaccuracies and multiple violations to my rights i demand immediate removal of this accout from all three reporting agencies.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX
Product: Checking or savings account

I deposited a check that I received from a well-established company into the ATM. I was not advised that the item would be held for three days. I checked the account around XXXX XXXX  the morning after I deposited the check and the funds showed that they were available. I attempted to make a payment two hours later, and the payment was declined. I then checked my account and found that the funds had been placed on hold. I contacted the bank and was told that there was nothing that they could do until the next day. I contacted them the next day and was advised by a branch manager that they would not be able to assist with verifying the check with the bank it was drawn on and that I needed to wait until the hold falls off. I am taken back with this type of response as I have been a customer of Citi for eleven years.
Product: Credit card or prepaid card

I was pulled off of the XXXX XXXX XXXX, by a XXXX XXXX when my complaint became personal to the board. I have spoken to the CF.P.B. ( # XXXX ) on the XXXX day of XX/XX/XXXX ( start of this case ). I have been abused, financial, by the XXXX XXXX because of my complaints with the F.t.c. I recently found out about a XXXX XXXX called the XXXX XXXX using my name spitefully because of the XXXX XXXX Crash. Let me start by explaining my previous issue with my first Credit Card of XXXX   XXXX, during the XXXX XXXX conspiracy act. My financial problems started with the abuse I sustained while doing business with The XXXX XXXX Credit Card. They were the first to take advantage of me with a false charge of a tobacco sale from XXXX XXXX and a Ferry Ride from XXXX to XXXX. I was told the XXXX XXXX President was responsible for these false charges, while I was helping the F.b.i. stop a child XXXX XXXX traffic problem in the system. I was XXXX XXXX, during the time of my working years, and was told to file XXXX 's XXXX, while arguing my case with the Office of Personal Management. After explaining my case to the Office of Inspector General, the  previous President Obama, left office with a promise of a back-drawn paycheck due in XX/XX/XXXX. The new President Trump, recently claimed he was going to pay me my back pay, and also pay off my complete Chase Credit Card Bill. President Trump is aware of the abuse I sustained determining the correct qualities of my work load, while the banking system disrupted my self worth.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX. Please investigate that every piece of information is correct. If not, please remove it from my credit report. This Information is not mine I have attached my police reports and a letter of closure from one of the consumers. I reported this to them immediately and they closed the account. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove the following items : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX an online bank took {$1100.00} from me this is the day on my birthday I cried that day I was not able to go through with my birthday plans nor did they care I also was in XXXX Georgia this time with no money XXXX they told me they will send a check within 10-14 days. On XX/XX/2019 I contacted them & they said they would 2 day ship my check to me. Today is XX/XX/XXXX and I had to email this lady ( XXXX ) 2 times before she replied to tell me I wont get a checked shipped to me till Tuesday or Wednesday or when she gives me a tracking number. This has caused me many financial problems & emotional stress. Im in debt because of these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I applied for automotive loan through XXXX XXXX XXXX XXXX for {$5500.00} for used car. I clearly authorized for only 1 credit inquiry by the agency to pull my credit report, however on my TransUnion credit report, it shows 4 inquiries from unknown banks ( XXXX XXXX XXXX XXXX and XXXX XXXX ) while there should only be 1 from XXXX XXXX. All the other banks are unknown and are not providing me any loans or services, however they have ruined my credit report by putting hard inquiries without explicit authorization. I would like these companies to remove their inquiries because they never received explicit authorization from me. XXXX XXXX is misusing my authorization for 1 credit inquiry to put 5 credit inquires on my TransUnion and XXXX credit reports which is not right, I was clearly told of only 1 credit inquiry. 

Please have these companies stop misusing authorization for 1 credit inquiry to put 4 hard inquiries. This is complete misuse of authorization to steal from customers and misuse their information. 

Thank you.
Product: Credit card

I have XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX Showing 5 late payments listed below XXXXXXXX XXXX XXXX XXXX  XXXX XXXX this in correct, these payments were not late
Product: Checking or savings account

Bank of America has been rejecting my privileges to open an account based on old, false and removed information from my credit files used by Banks, No majors Credit Companies, only XXXX. Bank has been using this  decision for over a year. My information was deleted more than a year ago. I strongly think Bank saves applicants information and decision for future reference without expiration or even an update. I've been denied 5 times in the past year and half by this Bank and I think their business strategies don't comply with Federal Regulations. It's not just for Checking accounts, I've been waiting over 12 days when I apply for credit card for a decision and even when credit score is high and everything looks fine I've been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I had an auto loan deleted from my credit. Now itsXX/XX/XXXX its still reported on my credit as not been deleted
Product: Credit reporting or other personal consumer reports

Dear Transunion To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
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 15 U.S. CODE 1692G - VALIDATION OF DEBTS. 
XXXX XXXX XXXX XXXX Account # XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two ( 2 ) to three ( 3 ) months ago I received a call on my cell phone from Amsher Collection Services about two ( 2 ) accounts that they were handling for XXXX XXXX XXXX XXXX each one with an identical balance of {$120.00} that totaled {$250.00} ... I explained that this was the first I was hearing about these outstanding bills and that they should of been paid by my insurance company XXXX XXXX XXXX XXXX of Alabama ... I asked that they stop calling my cell phone and send me a detailed statement showing the charges that were submitted and what my insurance company paid ... They advised me that they would submit my request ... I never received any statements detailing the outstanding duplicate charges of {$120.00} each so I just assumed that they received the payments from XXXX  and that everything was taken care of ... Then on XX/XX/2020 I received an update from XXXX XXXX that my Credit Score dropped 50 points caused by two collection accounts from Amsher Collection Services in the amounts of {$120.00} were added to my credit profile ... My FICO score was XXXX and I had impeccable credit profile and to have this happen without warning is unacceptable ... If I owe the money, I'll pay it immediately, but I would need proof that the amounts are actually owed ... I find it highly suspicious that the two accounts would have identical balances of {$120.00}!
Product: Checking or savings account

I have been debited for an old acct that was closed and funds are debited from acct and caused my bills to be late. 

I have no idea how much is owed. They can take what ever amount they want without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete old accounts on my credit reports
Product: Credit reporting or other personal consumer reports

NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX  or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.
Product: Mortgage

The issue is that over the life of my loan I had XXXX loan modification ( XX/XX/XXXX & XX/XX/XXXX ) that included principal reductions and adjustments in interest rates. The modifications became a subordinate note added as a property lien. 

When I sold the home XX/XX/XXXX, the payoff of the principal amount and the lien seem odd. So I contacted PHH Mortgage service to ask about the amounts and shared that a principal reduction was apart of my modification. I was told that there was not a principal reduction or principal forgiveness applied. 

The interest rates were adjusted but there was no reduction in the principal. As a result, I have over paid since the principal reduction amounts were a part of the subordinate note that I paid when selling the home. I then reached out to HUD, XXXX XXXX XXXX XXXX and PHH Loan servicing to explain what happened and requested a refund as resolution of the over payment. HUD and XXXX explained that XXXX XXXX XXXX are my source for a refund. 

My original loan amount is {$220000.00} XX/XX/XXXX principal pay off amount - {$140000.00} and the subordinate note - {$57000.00}. which would equate to me only paying {$13000.00} on the principal since XX/XX/XXXX, That didn't make sense. But would confirm since the principal reductions was not applied. 

I reached out to PHH loan servicing again in XX/XX/XXXX. I have followed up several times. I sent a letter of on XX/XX/XXXX. I received a letter from the research department acknowledging my letter. But now it is the end of XXXX. I called them again and ws told no letter shows received and that I have to start this process all over again. They will not escalate the issue. Even tho I shared my documentations that was sent in XX/XX/XXXX. I resent the information XX/XX/XXXX. I contacted HUD and was encourage to file a complaint with CFPB.