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

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account opened with XXXX XXXX without my knowledge. I was able to get the account closed and removed, but I was not able to get the hard inquiry removed. I tried to dispute the inquiry with both XXXX XXXX and with the bureaus, but the claimed they could not remove it and it would just " fall off. '' Not sure what else to do, but I don't want to wait until it falls off.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my Clarity Service consumer credit report sent to me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following address is wrong and I never lived there : XXXX XXXX XXXX XXXX NC XXXX
Product: Mortgage

In early XX/XX/2020, I was contacted by a lender asking me if I was interested in refinancing my mortgage. They offered me an interest rate of 3 % with approximately $ XXXX in closing costs to be paid by me. I then reached out to my current mortgage holder ( Carrington ) and told  them about this. They told me that they would be able to offer me an interest rate of 3.25 % with XXXX closing costs to be paid by me. I decided to go with this option. On XX/XX/2020, I sent them all the required paperwork in order to lock the rate in. I communicated with them over the next couple months, sending them whatever documentation they needed. Then, on XX/XX/2020, I was sent an email from Carrington which stated : It turns out we had to deny the loan out. Fannie Mae and XXXX XXXX have ceased allowing rate lock extensions on Conventional loans due to the effects COVID-19 has had on the market. Unfortunately with how backed up processing has been, we were not able to meet the rate lock deadline. The rate lock then expired, therefor we lost the interest rate we had locked in place for you. I apologize for this, as it was not my anticipation when we had started this for you. I would say we could start over, but again, the market is not where it was when we started, and we would not be able to achieve the same rate without charging you a boatload of points. When things die down, and this whole thing is over you will be the first person I call to get this going for you again. Let me know if you have any questions. 

My complaint here centers around the fact that they talked me out of a deal with the other lender, and then backed out after over two months of waiting.
Product: Credit card or prepaid card

Applied for a credit card. Denied based on allegedly have zero credit history. Credit WAS NOT PULLED. They insist that it was done properly. I have an extensive credit history, since 1993. Obviously this is a scam.Refuse to help other than to insist on how they are right and did everything wrong. Told me to go to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED CREDIT INFORMATION
Product: Credit reporting or other personal consumer reports

I expect expedited removal of the Fraud Alert on my Experian and XXXX Credit Report.
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights I looked at my Experian report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I XXXX, am filing a complaint because Equifax has ignored my request to provided some kind of documents that their company has on file that was used to verify the Public Record I disputed. Being that they have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, 2023 {$120.00} Open balance XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$4400.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX * XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX * XXXX XXXX XXXX XXXX, TN XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX * XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 15 U.S.C 1681 section 602 A.Clearly 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 an 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 Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

I worked with a real estate agent in XXXX KS who helped me buy a house which ended up needing a structural engineer and an inspector to pass for the loan, the inspector said NO, the engineer said yes, but the house has significant structural damage and excessive repairs that exceed the loan amount. Ive never lived in the home for 8 yr but paid on it. Asked XXXX to buy back loan within XXXX of loan they agreed but never did. I am on XXXX and house is uninhabitable and was lied to from real estate agent to engineer to XXXX, the loan was sold to XXXX XXXX XXXX who would not listen, now its with Penny Mac.I 'm facing XXXX. No mechanic, inspector, or the like will work on the home due to the liability. Attorneys and everyone is afraid of the costs, I just want my loan money back and my good credit restored. I am homeless, this should never have happened.
Product: Credit reporting

Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.
Product: Debt collection

I do not owe any debts to any person or company, but starting on XXXX! I began receiving several calls a day, which I didn't answer, from these two numbers : XXXX and XXXX. I XXXX them both and found they belong to Midland Credit Management and that there were many, many complaints online about repeated harassing phone calls from this company. 
Today yet more calls came so I decided to answer, from the XXXX number. A recorded woman 's voice said to hold for a call for me, and then a Spanish-speaking woman came on asking for " XXXX '' or " XXXX. '' I said nothing and I don't know anyone by either of those names. I understood that she was telling someone in XXXX that there was someone on her line ( me ) saying nothing. I finally hung up. 
I want these calls to stop ASAP!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} 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 Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Debt collection

I was informed that I owe from a credit card taken out in my name that I did not authorize, and I am being sued for the amount of {$840.00}. 


Midland was asked to send verification of debt owed on XXXX days, and that was not abided by. Cease and desist of reporting to credit bureaus was demanded while debt was in dispute for fraud. This did not happen. I was summoned to appear in court even after I had disputed this claim. I lost out on a day 's wages to go to the court date.
Product: Mortgage

My lender, US Bank, has done everything possible to put roadblocks on the way to avoid providing any help for my financial situation. Each time I have filed for paperwork for modification, they have made mistakes and wrongfully calculated numbers or completely avoid communicating with me in order to waste time purposefully. As a result I am way behind on my mortgage and risk losing my home. Most recent application for modification was denied because they chose to calculate my income completely wrong. I have done everything possible and given them correct information yet they have constantly made errors and brought major point where modification programs are going to be expiring at the end of the month in few days and I will have no help from them or anybody else. According to them my monthly income is {$5400.00}. In fact my monthly income is {$7300.00}. If you start with wrong income, result would be wrong. I have tried everything possible to correct this error and have not gotten anywhere. I really need your help or I 'm going to lose my home and become homeless. Which I suspect is their intention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion about a bankruptcy that is reporting on my credit. I contacted the US Bankruptcy Court and was informed that they do not provide information to credit reporting agencies nor do they validate and/or confirm public records. A letter was mailed to TransUnion on XX/XX/2021 asking them to remove the bankruptcy and they sent a letter back refusing to remove it.
Product: Credit reporting

This number is the original case number issued by CFPB. Equifax closed XXXX credit card account from XXXX as they should have. Now, it shows Open with XXXX balance which the balance would be correct due to the XXXX sent by XXXX. 
Another XXXX credit card was removed from the credit report. It has been put back on one week later. The balance of XXXX and the card being closed is correct. So, why is it back one week later. 
I 'm beginning to think the only way to correct this is through an attorney. I have all documents both mine and Experian 's. 
They also have incorrect information on my wife 's which mirrors mine. A complaint has been submitted on her behalf but no answer. CFPB 's XXXX re : XXXX XXXX XXXX. 
Again, it appears an attorney is going to be needed, which I am prepared to do. Experian has injured my credit score without any sent information and I am tired of them.
Product: Debt collection

THIS IS A FRAUDULENT ACCOUNT SO I DONT KNOW ANYTHING ABOUT THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 40 days I still see inquires I have disputed still on my report. I did not give anyone my consent to use my stuff. I have contacted the B & creditors about this. First they dont respond for 30 days then after multiple disputes I get a computer generated response! Really!?. Under law remove this bs off my report now!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a {$21.00} credit report fee from Experian. However, I did not order a credit report. Their phone system will not allow me to speak to a person. It just hangs up on me. I have had this problem in the past when I have asked for my Credit Freeze to be lifted. I know there is a small fee for lifting my Security Freeze but Eperian soon bills me {$21.00} in addition to the agreed upon fee.

I think it is terrible that their phone system will automatically stop my call when I try to call them to correct this problem.

Today I when through their log in process 6 times and each time they simply said " Good bye ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX restricted and closed my account prior to resolving a billing error dispute in violation of 15 U.S. Code 1666d. This dispute is currently active in arbitration Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error.

According 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Pursuant to 15U.S. Code 1681 ( c ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
Product: Money transfer, virtual currency, or money service

On XX/XX/year> for the second time, I've received a card I did not request through the mail from CashApp. In order for me to receive this card, someone fraudulently opened an account in my name using my identity. My data was part of several data breaches. I called customer service at XXXX and the person on the phone sent me a link via email which requested I send : 1. Full legal Name 2. Name listed on the Cash App Card received, 3. Has anyone previously lived at this address 4. Use the secure link to share the front and back images of the card I received. I sent all this information similar to the last time. In addition to this information I sent the following note : " This is the 2nd time someone has used my identity to apply for a Cash app account and card. Please cancel this fraudulent account, disable the card, and flag my name in your system so someone else can not use my identity to create another fraudulent account. I will report this incident to the FTC. '' The message I received back on XX/XX/year> said they were missing information needed to update my legal name on my Cash App account. They requested I upload the front and back of my ID, take a selfie holding my ID and submit a marriage certificate. There is no way I am sending in all of that information. First, because I'm not requesting a name change and 2nd because they are asking me to prove my identity when they let someone create the account in the first place without verifying that person 's identity, twice now. Third, I didn't have to send all these identifying documents the first time this happened to me and they closed the account and disabled the card as requested. They did not, however, flag my name in the system to prevent someone else from opening an account in my name since I've gotten a second card. BEFORE opening an account, the person 's identity MUST be verified.
Product: Student loan

I applied for the student loan forgiveness due to the school I went to was not accredited and I was not able to obtain a job.This school also closed down I was not able to obtain my transcripts so I can go to school again.I reached out to the they told me to teach out to the Department of Education so I did.The department of education told me to reach out to them they can help me with this issue.I was advised today by Navient I have to reach out to the department of education again.Why should I pay for a loan for a school that was not accredited and I'm not even able to get my transcripts because the school closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting a hard inquiry from XXXX XXXX and I filed reports with all 3 major credit bureaus as well as with XXXX XXXX that this was fraud. This happened in XX/XX/2018. Someone in Alabama opened up credit accounts in my name ( I've never lived in Alabama ) with XXXX XXXX as well as XXXX stores. I got everything taken off of my credit reports so I don't understand why Equifax is still showing a hard inquiry from XXXX XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections with date opened of XX/XX/XXXX that are showing paid with a {$0.00} balance. However, XXXX XXXX XXXX, the collection agency that owned the debt at the time that I paid, agreed they would delete these two collection from my credit report as long as I paid them in full. So I did so. Since then, this company is no longer in business and it's impossible to reach someone. I have disputed these two accounts on several occassions as well as tried to reach the collection agency but have been unsuccessful. How is it possible that I've submitted 2 different disputes with both XXXX  and Transunion, the company is out of business, yet they continue to report information that is inaccurate and the bureaus are allowing it. XXXX XXXX XXXX made an agreement with me yet have not kept up their end of it. The disputes were sent on XX/XX/XXXX and XX/XX/XXXX. After researching XXXX XXXX XXXX it seems as though there was a pattern of them agreeing to these terms right before they went out of business but not actually removing the accounts as they agreed. Instead they have disappeared from the face of the earth.