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

Ive called several times and disputed this on my credit. I lost my business during Covid-19, I called in to see if they would work with which I was told they would. They sent me documents the first time, I signed and they never received them. Answered the phone a month later to only be told I never made my payment. I explained It was supposed to be attached to the end of the loan as I was explained by their representative. I was also, told by their representative on a recorded line that it didnt really matter anyway because late payments would not be reported to my credit during Covid which put my mind at ease. Now, I have 2 late payments on my credit report that are effecting my tremendously as Im trying to get back on my feet after losing my business during COVID-19. Im so disappointed with XXXX XXXX. It is reporting late XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the placement of discharged bankruptcies that were placed on my Credit report with Experian, XXXX and XXXX on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.
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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, The 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
Product: Debt collection

My HR Generalist came to speak with me in regards to a letter she received from XXXX XXXX XXXX , XXXX. This letter states that I owe a remaining balance of {$210.00} for interest. I have paid the judgment in full as of my paycheck dated XX/XX/2017. I have in fact paid a total of {$1900.00} ( the judgment total amount was {$1700.00} ). I have never received any notification from this company in regards to anything, including the actual documentation to go to court. I was never given the opportunity to appear in court or dispute anything in regards to this debt. I did allow my wages to be garnished because I was unaware that I could dispute it. I do not believe I owe them any further monies. The only reason I am aware of this is because my HR brought it to my attention. I do have documentation showing the amount that was to be garnished from my wages ( showing {$1700.00} ), I have documentation showing the amount taken from wages ( {$1900.00} ), & I have a copy of the emailed to my company requesting an additional {$210.00} if needed. I do no have any documents that were send to me because they have not sent me anything.
Product: Debt collection

I just ordered a copy of my credit reports and this Aargon agency is on my XXXX XXXX, XXXX  and XXXX. I dont owe this company or any company theyre saying I owe. I never heard of this company until I googled this company and seen all the negative reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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
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 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax due to failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want all XXXX and XXXX reported accounts removed.
Product: Credit reporting or other personal consumer reports

My father, XXXX XXXX, has repeatedly used my information to gain credit on his behalf as you can see from the aliases on my credit report. I have disputed this information as not accurate with Equifax and also as fraud on numerous occasions, only for it to be reported verified with no other recourse or deep digging. I need these removed from my report as they do not belong to me. It is affecting my ability to refinance my home for a fixed rate. Please see attached images
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

TransUnion XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX  XXXX- Inquiry from XX/XX/2018 XXXX  XXXX  XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting

Me and my husband both have no credit score from Equifax that is preventing me from getting housing for my family. I have just moved to XXXX from XXXX because I was accepted to a university. Also I have a section XXXX voucher to house me and my family of XXXX children and me and my husband. We only have 2 months to find a place to live or we lose the voucher. We applied to a home in a good neighborhood with a good elementary school for my son starting XXXX. They use a credit company called XXXX and that company checks credit for rental properties, sadly I was denied. Concerned I looked up my credit score on XXXX and found out that XXXX has a score for me but Equifax did not. To my surprise XXXX only uses Equifax. So I called Equifax to try and fix this situation. Meanwhile I was living in a cheap and scary hotel paying alot of money waiting and waiting, calling and calling Equifax I have sent my documents including my ID, Social Security Card and marriage licence to prove my identity TWICE! After you send these documents in they need 48 hours so this took many weeks and days. I have done all they have asked of me including calling my bank to have them send info which my bank does not send to this company. The rental company said they would still consider renting to me as long as I was able to fix this situation. I have spent so much money on hotels, faxes, and so much time which is precious right now with starting a new school and having a new born in a motel. They have my documents and still have no reports on me nothing at all. They expect me to call people I had loans with when I was a teenager and take more time to get this together. I am fed up and feel so frustrated with this situation. Another part of my frustration is that when you have a section XXXX voucher they take 15 days to approve a house and inspect it. So with all the time that has passes I am paying alot of money for a motel. I have had to apply for a house in a not so great neighborhood and a low rated elementary school. This is affecting the education of my children and my own financial status with all my money going to this hotel and faxes and time invested in trying to get my credit score from Equifax. They have ran me around and given me very small bits of information without any sight of the big picture. This experience has been troubling and very very stressful when this should be an exciting part of my life. I have worked hard to maintain a XXXX in school to get into a better college to make something for my family and this road bump was way bigger than it needed to be. Also we looked up my husbands credit score on credit Karma and find out they also have no score for him. We are Americans we have had many different accounts with big banks and car loans. There is no way that they can just have no information on us if they are XXXX of the biggest credit companies out there. I am in shock and also am wondering hat these people are being paid for when I have to do all of the foot work? This is just a glimpse of what is happening with Equifax and I am filing this complaint against them.
Product: Debt collection

On XX/XX/2018 I received an " attempt to collect a debt '' letter from XXXX XXXX XXXX XXXX in XXXX GA but the letter was dated for XX/XX/2018. I immediately responded with a debt validation later to send me proof that said debt belonged to me. I mailed the letter on XX/XX/2018 via Certified Mail Return Receipt. The Return Receipt ( green card ) that I received back has a stamped date of XX/XX/2018. I never received information validating this debt as I had requested in the letter. On XX/XX/XXXX, Sequium Asset Solutions LLC added this as a collection to my XXXX credit report. This company violated my rights as a consumer by ignoring my request for validation and simply adding it to my credit report.
Product: Mortgage

I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.
Product: Credit card or prepaid card

On XX/XX/2018 the Purchase APR on my Chase XXXX XXXX card increased from 13.40 % to 17.49 %. 

I contacted Chase efor explanation. Unfortunately the phone rep was unable to explain and offered to send a letter. 

I have not received the letter.
Product: Debt or credit management

I contacted Beyond Finance in order to keep my accounts from being sent to collections. Why am I paying a debt that's already sold to collections with my credit ruined by their best practices?
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX, XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX-XX/XX/XXXX. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

From XXXX to XXXX there were fraudulent and unauthorized transactions with a merchant I had previous Authorized transactions with. The bank has denied my claim of multiple fraudulent and UNAUTHORIZED transactions with the denial reason being 'previous history with merchant '. Under Regulation E a consumer can not have a clai denied based SOLELY on the fact that the customer has a previous history with the merchant. I am appealing citizens bank 's decision as my money was stolen and I am extremely upset they are breaking the law and allowed unauthorized use of my card!
Product: Mortgage

We filed a loan modification application which was deemed complete on XX/XX/XXXX. Per XXXX XXXX, they required thirty days to review the application before a decision was to be made. Mind you we have gone through this process with this bank before ; however, this time it was different because we clearly had a hardship -- we had to file bankruptcy on XX/XX/XXXX to save our home. Once the file was deemed complete, I contacted them at least once a week for the next thirty days to see if a decision had been made. On or around the end of XXXX, I contacted Sterling and spoke with XXXX XXXX. He was handling our modification. He told us it was denied because we failed to demonstrate a hardship ( basically our gross monthly income to mortgage ratio was at 26 % ). According to him, our ratio needed to be 31 % or higher. During the time our modification package was being reviewed, my husband lost his job ( document attached ). We decided to appeal and we had until XX/XX/XXXX to submit our appeal. The appeal required an appeal letter, along with the supporting documentation to support the appeal. I sent three documents 1 ) the appeal, an updated financial statement, and a copy of the lack of work letter. 
Sterling received these document on XX/XX/XXXX, and told me that they had 30 days to review the documents before a decision was to be made. Again at least once a week, for the next thirty days, I contacted them to get an update. Yesterday, on XX/XX/XXXX, I contacted Sterling again, and spoke with XXXX ( who handled our appeal ). She told me again they were upholding their original decision because we failed to show a hardship. She told me that when she  prepared the file, she removed my husbands salary, took our arreage and put it on the back end of the mortgage and moved it out from 360 months to 420 months. She also took into consideration my monthly gross income ( {$10000.00} ). Our mortgage payment is {$5000.00}. If you divide XXXX by XXXX, you get 49 % which is clearly HIGHER than the 31 % which is what Sterling considers the hardship minimum. 49 % ratio would qualify as a hardship under their own guidelines, but she told me that the " committee '' looked at the whole entire situation since XX/XX/2016 when we first fell behind on our payments. We fell behind because we have an ARM and our rate adjusted which DOUBLED our mortgage. My issue is that they have changed their rules and now I feel that this is personal. If the guideline says that 31 % or higher is what they considered to be eligible for a hardship and our appeal showed that the lost of income put us at 49 % then we should qualify. They have to apply the same rules to all applicants. This decision to uphold their original decision is purely a violation of their own rules and I would like the CFPB to look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

my partner took a loan from Santander Bank to purchase a new car without my authorization, now Santander is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}
Product: Credit reporting or other personal consumer reports

I looked at my credit report, 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. 

. 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 pos

sible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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 that 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. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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