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

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an XXXX loan with XXXX XXXX in XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on XX/XX/XXXX but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was XX/XX/XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Product: Credit reporting, credit repair services, 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$870.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiries : XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX made a hard pull on my credit report that was not authorized by me. The reason for this message is to request the rescission of this hard credit pull through XXXX. 
On XX/XX/XXXX, I was shopping around for a XXXX. I was contacted by ACRE Mortgage in XXXX XXXX I reiterated to XXXX XXXX at ACRE Mortgage on multiple occasions that I did not want a hard pull on my credit report. He assured me that there would be no hard pull, stating it would be a soft pull only. Despite my insistence, he requested my social security number. Once again, I emphasized that I wanted absolutely no hard pulls on my credit. He assured me there would be none. Against my better judgment, I provided XXXX XXXX with my social security number. XXXX XXXX is the only person I spoke to on this date, so it is impossible for any other individual to have used my information to negatively affect my credit score. After he gathered all my information, he hung up and called me back about half an hour later with updated rates, which was fine. However, later in the day, I received a notification from my credit monitoring program stating that your company, XXXX XXXX, had conducted a hard inquiry on my credit report. I did not know who this company was, and they certainly did not have permission to pull my credit. 
After speaking with XXXX, they informed me that XXXX XXXX had made a hard inquiry on my credit report without my permission. On XX/XX/XXXX, I contacted both XXXX and ACRE Mortage that I was requesting XXXX XXXX  to rescind this hard pull with XXXX to restore my credit to its proper state. I contacted them in hopes that we could resolve this issue quickly and efficiently without having to involve other agencies like the BBB or CFPB. I was notified by XXXX XXXX late on XX/XX/XXXX that the rescission was in place and it would soon be off of my report. However, when checking my credit report on XX/XX/XXXX, it was still there! I was once again lied to.
Product: Credit card

Discover card canceled my account after 30 years. Did not contact me by mail or phone. I logged in to pay off the credit card.
Product: Debt collection

I KEEP GETTING MESSAGES FROM cmg associates about a person owing a debt to them, I told them am not the person they looking for but they keep calling and leaving threatening messages to my voice mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

This Company has violated my HIPPA rights on 3 different occasions claiming to collect a debt for a company that I did not authorize to release my medical information. This company is to delete these 3 accounts and immediately stop reporting this information to the bureaus or I will take legal action. 

Acct # XXXX Acct # XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with XXXX XXXX XXXX XXXX. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that XXXX XXXX has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my XXXX XXXX. 

Upon contacting XXXX XXXX, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on XXXX XXXX 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my XXXX XXXX, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.
Product: Credit reporting

On 2 separate occasions I filed disputes in regards to an XXXX XXXX account that does not belong to me. I requested that the account be properly investigated as it does not belong to me. I also asked for any physical proof or documentation showing that this account was opened by me be sent to me or that any documentation that the credit bureau used to " verify '' this account as belonging to me be sent to me. XXXX has not and can not provide me with any physical contract or documentation showing that I opened an acct with them. On both disputes Experian responded back saying that the account has been verified but has not sent me any proof or documentation that was used to so call verify this account. The dispute with Experian that was closed on XX/XX/XXXX has a statement from Experian stating that Experian does not actually verify the account information but instead they rely on information obtained from the furnisher or vendor that is reporting the information. Per the FCRA Experian is supposed to do their own investigation and also keep physical documentation of how the account was verified. Experian has failed to do a thorough investigation and by their own admission they relied solely on another source to verify information which is in violation of the FCRA. Relying solely on an outside source to verify information is not validating or verifying an account as belonging to me because that same outside source has not provided any physical proof. Furthermore if a thorough investigation had been done Experian would have determined that the XXXX account has been sold to XXXX separate collection agencies and that would make me no longer liable to XXXX XXXX if the account did actually belong to me. But neither XXXX, the collection agencies nor Experian can show me any physical contract with my signature or photo ID that would have been needed to obtain an account. On the same dispute that I filed in XX/XX/XXXX I also disputed an account listed as " XXXX '' on my credit report. Experian closed to dispute and stated that information had been verified, however on the account history for XXXX Experian has it listed as " Filed Chapter XXXX bankruptcy XX/XX/XXXX ''. Experian failed to do a thorough investigation of this account as well and again relied solely on an outside source which provided inaccurate information. I filed bankruptcy in XX/XX/XXXX so there is no way possible that Experian could have really verified that this account was included in a XX/XX/XXXX bankruptcy considering the fact that my bankruptcy had n't even been filed. Experian has not verified the account as required by the FCRA. Per the FCRA any inaccurate or unverified account must be deleted. I am demanding that XXXX XXXX and XXXX be deleted since a thorough and accurate investigation was not done by Experian within the 30days.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX XXXX XXXX XXXX XXXX XXXX. Please Help. Thank you again! 

Accounts are as XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXXXXXX  Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXX Account # XXXX amount owed {$730.00}
Product: Credit reporting or other personal consumer reports

I have had incorrect reporting on my credit report in at least 3 instances. One of the times I was in the middle of a loan process. Because of inaccurate reporting on the part of my XXXX loan servicer, I was reported as being 120 days late which caused my fico score to go down 100+ points. This decision adversely affected the banks decision to give me a loan. 

After my XXXX incorrect reporting I wrote the company ( faxed request ) on XXXX separate occasions and asked to opt out of any financial reporting or experiences related to this tradeline. According to the loan documents I could make this request by simply asking to company to opt out of any reporting. I did this and they still refuse to honor my request. Can we please get this taken care of because by law, they can not report this information to reporting agencies without my permission. And they do not have my permission. I have requested to opt out multiple times, as per my loan docs, I am allowed to do.
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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX /amount {$4300.00}, Dept of EducationXXXX XXXX XXXX  XXXX XXXX amount / {$2800.00}, Dept of EducationXXXX XXXXXXXX XXXX # XXXX /amount {$230.00} XXXX Dept of EducationXXXX XXXX XXXX # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and Equifax have 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: Mortgage

XX/XX/XXXX I went to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for assistance with my mortgage and loan modification application. With the help of a housing counselor we submitted the complete application and called every 3 weeks for a status, each time i was asked to provide additional documentation ( check stubs, 1099 letter of explanation etc ). I provided all information requested on XX/XX/XXXX, I called the lender for a status and call was lost after more than an hour hold. I called back on XX/XX/XXXX with Housing Counselor on conference, and after an hour hold call was dropped. We conference call back and after 1 hours same thing, call dropped. 
We called for the third time and spoke with someone who states the application was denied as they were waiting for profit and loss. The profit and loss was previously submitted on XX/XX/XXXX. I called the end of XXXX before the holiday and was told to call in a week or tow. Then the customer representative states it was denied as the profit and loss statement was not signed. I advised it was signed on line 1. she placed the call on hold and hung up. I am submitting another application, however, i can concerned that i will have the same issues and i am not getting help and timely information to comply. This prior application was decisioned before I was able to comply. I am still waiting for the letter of denial sent XX/XX/XXXX per the lender. I have attached
Product: Credit reporting or other personal consumer reports

I went to look at my credit report and saw accounts i did not recognize.
Product: Debt collection

I sent this company an affidavit of truth stating how they violated me according to the laws of the FDCPA. I also sent them an invoice as they are liable to remedy me and they have not paid the invoice nor have they rebutted the affidavit, meaning they have accepted it as true so my invoice for {$11000.00} is valid and will be paid. Thanks for nothing, court documents on the way. I can't wait!
Product: Credit card or prepaid card

The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.
Product: Debt collection

On XX/XX/2019, I checked XXXX XXXX and my score dropped 70 pts. I clicked the option to see whats changed on my account and it stated something about direct tv. I dont recall having any interactions with XXXX XXXX. Might have been a family member, I dont know.
Product: Credit reporting 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. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX 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: Mortgage

XX/XX/XXXX purchased my home, over paid escrow til XX/XX/XXXX. taxes from escrow were sent to county and formatted incorrectly. county sent them back. Now ameris bank is telling me they are not sure there are any funds to pay this. I had to pay taxes 5 months late. due on XX/XX/XXXX i paid them out of pocket in XXXX. Bank is now refusing to reimburse me because it has been being researched since XXXX. no one will contact me. bank will not allow me to speak with tax or escrow department. this is Ameris bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX All bills and receipts from the county were sent to research dept XXXX XXXXXXXX XXXX XXXX He has confirmed he has them, but only responds to emails 1 time a month. Same statement each time and that is " no resolution, we are still researching this ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Management is reporting an account on my credit file for a debt that has been paid and settled. I recently checked my Credit and noticed this debt was showing. This debt was paid off years ago and they assured me the account would be removed from credit. However 6 years later it's still there. I need them to remove this account immediately. This debt is no longer owed and it needs to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I applied with XXXX XXXX XXXX XXXX XXXX for a new vehicle loan. There was 1 inquiry with XXXX XXXX XXXX XXXX On XX/XX/, I noticed 2 NEW inquiries from TD Auto Finance that were UNAUTHORIZED ; the dealership claims they can pull my credit without consent because my credit application is within 30-days. I did not authorize a new credit report to be pulled and they did so without consent and are giving me the runaround. This has negatively impacted my credit and XXXX XXXX has not done anything to resolve this issue. Again, there is no record of credit authorization on XX/XX/, only from the original 1 time inquiry on XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have allot of collections In my credit report through tranunion and XXXX. they are all over 7 years old and some are even 10 years old. they keep giving it to new collection agencies and they keep saying that the collection account was recently opened about 1 or 2 years ago. this is not true they are all very old and the law says that collections 7 years old or up have to be removed by the credit reporting agencies. i disputed with them and they dont listen. I can't get approved for apartment. and i cant get approved for 1 single credit card. im almost XXXX years old and i am forced to live with my parents. im practically homeless. this isnt fair. the credit reporting agencies shouldnt oppress people like this. its really hard to not have a credit card and having to pay everything upfront. please help me out im really stressed out. please follow the law and get these off my credit reports. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.