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

To whom it may concern, I mailed a Multiple inquiry removal letter to Equifax on XX/XX/XXXX by certified mail to dispute information on my credit file in regards to XXXX hard Inquiries that I did n't authorize. This company received my certified letter on XX/XX/XXXX and I received a completed response on XX/XX/XXXX, confirmation # XXXX. The request that I submitted was for the XXXX hard inquiries that were not factual but I received a response saying, " Inquiries are factual record of file access and if you believe this was unauthorized please contact the creditor, '' and it gave the creditors information. According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) it states that any information can be disputed and MUST BE INVESTIGATED and if you DO NOT INVESTIGATE AND RESPOND, the CRA mist delete the disputed information from its files. I received a response to my request 4 business days after they received my request so I must assume that no full investigation on this matter even took place. I 'm in the process of purchasing a home for my family and I but I was told with these many inquiries on my file that it looks like a sign of financial trouble, which that is not the case here. I 'm submitting this complaint due to lack of investigation of these XXXX hard inquiries that I have NO KNOWLEDGE OF NOR DID I AUTHORIZE! After receiving this response on XX/XX/XXXX, I called and placed a Security Alert on my credit file which was in place for 90 days. As of today more inquiries were put on my file even after my security alert that I received no knowledge of which whomever was pulling my file was suppose to contact me directly as stated by the security alert. I called Equifax and spoke with agent XXXX concerning these inquiries again because I had not sign for anything nor authorized anything and he informed me that I COULD NOT DISPUTE THIS INFORMATION I had to call the creditor! This is unfair practices by a credit reporting agency with no concern for the worthiness of a consumer and I 'm very displeased with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Lowes Credit Card on my report that is not mine. It has exceptional payment history and isnt an issue as far as hurting my credit but it is not my lowes account. I dont want it to turn into an issue so I am trying to get it removed
Product: Vehicle loan or lease

requesting a review and correction of the information reported on my credit file regarding my account with Credit Acceptance Corporation reflects multiple late payments and a repossession, As Of Today The Account Is Paid Off In FULL I experienced a series of devastating personal hardships. My vehicle suffered serious mechanical issues, including engine failure and leaks, which directly impacted my ability to work and manage my finances Despite my circumstances I continued to make payments after losing the car and is paid off in full with a XXXX balance Unfortunately, my credit report now reflects late payments and a repossession that are preventing me from purchasing a new vehicle, which I desperately need to stabilize my life. I respectfully ask for your consideration in removing or correcting the negative reporting, including the repossession and late payments. Given the good faith effort I made and the extraordinary hardship I endured. Also, looking at my credit report, Credit Acceptance Corporation inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B
Product: Mortgage

My mortgage servicing company is XXXX out of XXXX XXXX, PA. I have my mortgage escrowed with them. Their tax department is Core Logic, they have been taking care of my escrow account since XXXX. My property taxes are due in 2 separate installments ( XX/XX/XXXX and XX/XX/XXXX. ) On XX/XX/XXXX I was made aware by my county treasures office that my taxes haven't been paid. On XX/XX/XXXX I called XXXX and informed them of the issue in which they told me they never received a tax statement from the county. I obtained a tax statement, and forwarded it to XXXX on XX/XX/XXXX titled ( Loan # - Property Taxes Due ) and was told that it should be processed in 2 weeks. Following up 2 weeks later on XX/XX/XXXX I spoke with the XXXX tax department ( Core Logic. ) During that phone call Core Logic informed me that did indeed receive a copy of the tax statement but now the issue was that the legal description on the tax statement didn't match the description on the loan, but they would get it resolved. They then Informed me to call back in 2 weeks to allow processing. XX/XX/XXXX Called the county treasures office to inform them on the issue, in which they told me that Core Logic or XXXX had never tried to reach out to them to get it resolved. Called back on XX/XX/XXXX, spoke with Core Logic again. They told me that they did eventually contact my taxing authority about getting the issue resolved and that they were going to go ahead and disperse the amount out of my escrow to prevent anymore late fees and penalties. ( Core Logic never made the disbursement ) XX/XX/XXXX I received a final notice of payment before tax sale from the County treasures office in the amount of ( {$3600.00}. ) I contacted XXXX right after I received the letter but the tax department was closed and the customer service rep didn't have any information. XX/XX/XXXX I contacted XXXX XXXX and informed them of the letter I received. They wanted me to forward them the letter to XXXX. I forwarded them the letter along with the Tax statement, the property deed, and land survey. Was told to call back in 7 days to allow for " expedited processing. '' Called back on XX/XX/XXXX spoke with Core Logic but was told it would take another 7 days for processing. I called Core Logic back on XX/XX/XXXX for an update. They informed me that the legal description still wasn't right. They then proceeded to verify with the county tax authority that the property description was actually correct, but it would take up to another 7 days to process. I informed them that if I wasn't able to get this simple issue resolved by the end of the day ( XXXX ) that I was going to be contacting legal council. On XX/XX/XXXX the county will be releasing my name in the paper for delinquent taxes, and if not paid My house will go to tax sale by XX/XX/XXXX. My escrow balance currently sits at {$4500.00}. Ive made my monthly payments into escrow ( {$410.00} ) on time every month since XXXX. Now since XXXX, and Core Logic have dropped the ball my family and I have to come up with the property tax money out of savings because Core Logic is refusing to make a Disbursement!
Product: Credit card or prepaid card

per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/XXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Another inaccurate reporting in my credit... high balance experian {$0.00}, XXXX {$520.00}!!! Date of Last active experience XX/XX/2017 while XXXX XX/XX/2017... XXXX REPORT..PLEASE DELETE!!
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 ACCOUNTS and 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 ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 XXXXXX/XX/XXXX
Product: Student loan

Granite State Management never sent the invoices to my correct address. They sent invoices to my father XXXX XXXX 's address in XX/XX/XXXX. I was living in XXXX XXXX, NV from XX/XX/XXXXXXXXXX/XX/XXXX and I now live in XXXX XXXX, CA. I never received any bills or invoices. Furthermore, they never emailed me, called me, faxed me or contacted me. They have zero accurate information about me. 

I only knew about the invoices when I came back from visiting XXXX XXXX in XX/XX/XXXX to my parents home address. By that time, Granite State Management had already had my invoices as 120 days late. 

I paid immediately the amount due and I have never missed a payment when made aware of the invoices. This can easily be seen with my account balance history. However, Granite State Management REFUSES to change these late payments and correct them. I filed multiple disputes with all 3 credit report agencies and none of them will make any changes because Granite State Management will not make the corrections. I never received any invoices or bills from Granite State Management. I was living in Nevada and can prove my residency from XX/XX/XXXX on. I was also never contacted. Granite State Management never spoke with me directly once. 

I have never made a late payment in regards to this account and never will. Granite State Management needs to correct the late payments and remove them. I can provide and will provide all documentation needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning the fraudulent information being reported on my Credit Reports. The last letter I sent to the Credit Reporting Agencies was on XX/XX/XXXX, accompanied by complete attachments of my personal information. I am a victim of identity theft and have duly reported the theft to the FTC. The disputed items have no connection to any transactions I have authorized or benefited from as a result of the identity theft. As per Section 605b of the FCRA, it is the obligation of the Credit Reporting Agencies to remove any accounts and information listed on an ID Theft Report. According to Section 605B ( a ) of the FCRA, the CREDIT REPORTING AGENCIES are mandated to promptly block any information in the consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt. The items listed below are direct consequences of the identity theft, and thus, I am requesting the Credit Bureaus to adhere to the law and remove them from my Credit File : 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. As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.
Product: Mortgage

XXXX   XXXX  , a sub-mortgage-servicer to CitiMortgage, will not honor payment of {$10000.00} for my HAFA request ( see attachment  XXXX  denying my HAFA request. ) My submittal of my all the HAFA required paperwork was originally received by the previous CitiMortgage sub-servicer,   XXXX   XXXX  , on   XXXX   XXXX   XXXX  ,  ( se e attachment  XXXX  from  XXXX  acknowledging the receipt of my HAFA submittal. ) I have a sale in the process for closing at the end of   XXXX   XXXX  .  XXXX  insists that my HAFA documents are not valid and I am not qualified for the program. The HAFA program itself ends   XXXX   XXXX   XXXX  . The last date to submit the completed HAFA paperwork and other documents, was   XXXX   XXXX   XXXX  .     It seems t he paperwork exch ange between the two mortgage serving companies did not complete properly either because   XXXX   did not properly transfer all of my records to  XXXX  ... or  XXXX  has not successfully loaded them on their system.     I have already contacted Making Home Affordable who services  HAFA fo r   XXXX   XXXX   and last spoke with them on   XXXX   XXXX  . The person I spoke to was unsure of why  XXXX  will not honor my HAFA request and could only speculate. They told they will continue to research and investigate.     I have looked over the  250-page onli ne docume nt on the HAMP and H AFA program  rules MHA told  me about. I did not see anything that referred to how my HAFA was terminated.       XXXX   XXXX   nor   XXXX  have been  able to show me the documented rule that excludes me for qualifying for my HAFA payment.     There seems to be much confusion between  XXXX  nad  XXXX  as to what the actual rules are ... and the rules they " think '' are correct.     Any help will be much appreciated ... Thank you
Product: Debt collection

I have/ had insurance during the time of the medical visit. I uploaded the documents from my insurance company and the previous debt collection company removed the collection from my credit report. A new debt collection company has resubmitted the collection to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft. these items do not belong to me due to fraud u s bankruptcy court XXXX XXXX XXXX opened XX/XX/2013 {$6900.00} XXXX XXXX XXXX XXXX  {$260.00}
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open account entry on my credit report, despite multiple attempts to correct this discrepancy. As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open account entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open account from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct thIs late open account in my credit file : XXXX XXXX XXXX  XXXX Opened XX/XX/2022 Balance : {$10000.00}.