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

In mid-XXXX  I received a " Mortgage Guaranty Insurance Pricing Notice '' with concerning information ( the notice cited 'key factors adversely affecting my credit score ' as " level of delinquency on accounts '', " too many inquiries last 12 months '', " time since delinquency is too recent or unknown ''. ) This was concerning to me as the only major purchase I have made in at least the past 2 1/2 years has been the purchase of my house- and I am not aware of delinquencies on any of my accounts. I am concerned that the information being reported may be the result of identity theft, or errors on behalf of the reporting agency. 
The noticed states " You have a right under this Act ( Fair Credit Reporting ) to obtain a free copy of your credit report by requesting it from the consumer reporting agency identified below within 60 days after receipt of this notice. You also have the right to dispute the accuracy or completeness of any information in that credit report by contacting the consumer reporting agency. '' The consumer reporting agency was identified as Equifax Mortgage Solutions. I have contacted this agency twice. Representatives first refused to provide the report, and then attempted to force me to pay for it. The report is guaranteed to be free by the Fair Credit Reporting Act. After an excessive amount of time and debate, a representative stated that a copy of the report would be sent out without charge- to an old apartment ( this conversation occurred XX/XX/2021 at XXXX ). I agreed that the report could be sent to my old apartment as my lease for the property was still active. However, I never received the report that was supposed to be sent to that address : I have not been able to obtain any reports. My request is simple : to obtain a free copy of my credit report as promised in the Fair Credit Reporting Act. 
Attempting to resolve this issue with Equifax Mortgage Solutions has been exasperating : throughout the process their representatives have been unhelpful, argumentative, and unpleasant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize this.
Product: Mortgage

We sold our home. We signed a contract to buy a new home. Both properties are in escrow. We were supposed to close on the sale of our property on XX/XX/XXXX. A second lien was discovered during the final title search before closing. That issue delayed the closing. The buyer 's title company could not get clear title, so they reached out to our current mortgage holder for information on the Second lien. The current mortgage holder says they know nothing about a second lien on the property they have First lien status on. They sent an inquiry to their research department and found that when they acquired servicing of the property from XXXX XXXX XXXX there was no second lien. XXXX  XXXX XXXX says they transferred everything, XXXX ( XXXX, XXXX XXXX XXXX says they didn't get the notice of a second lien from XXXX XXXX  XXXX. XXXX XXXX XXXX says they acquired the servicing from Ocwen Loan servicing in XX/XX/XXXX and they are not responding. That's where we stand in the middle of it. 

We have already moved out of the house but nowhere to go because we can't afford to pay rent somewhere else and the mortgage on the property we just sold. We had to stay in the house. As XXXX XXXX ( XXXX and XXXX ) we're sleeping on a mattress on the floor in a vacant house. The buyer isn't going to close on the property unless they can get clear title ( understandable ). But we're stuck in the middle. Can't afford legal help. We're on a fixed income. Who can we turn to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received notification from the credit that XXXX XXXX is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX
Product: Debt collection

Hello, this account is not mine. I was sent three more documents on money that is owed but im not sure what this collection is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supposedly given a free subscription to equifax services from XXXX banking, as a result of their data breach. 

However, I can not log into the equifax system. I've been trying for days, and I always get the following message : We are temporarily unable to complete this request. 
Please try again later.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit report. 

XXXX XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX {$2100.00} XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$820.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX CREDIT XXXX # XXXX Account Name : XXXX. XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2 on clear ground of identity theft. Also update my personal information pursuant to the same FCRA law.

See Attach Identity theft report.
Product: Credit reporting or other personal consumer reports

Ive submitted the loan amount to equifax several times and they refuse to fix it. They have my auto loan payment at XXXX but the credit limit XXXX. Ive requested them to fix and have submitted my payment information from the company several times with no success.
Product: Credit reporting

There is a Federal tax lien still showing on my report that was withdrawn XX/XX/2015. On two occasions I have disputed this with Equifax , providing a copy of the IRS lien withdrawal form ( which I will also attach here for you ). I have also verified with the county that the lien withdrawal has been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the lien from my credit report immediately.
Product: Credit card or prepaid card

Barclays Bank Delaware put a fraudulent inquiry on my credit XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from LEXIS NEXIS, XXXX XXXX, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I was added as an authorized user to XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. I have been removed as an authorized user for about 13 months now since Last XXXX. Thats XXXX billing cycles thats passed and that account is still on my credit report. Ive been trying to get this removed from my report for months now.
Product: Vehicle loan or lease

I had a loan with Consumer Portfolio Services for a XX/XX/XXXX XXXX XXXX. I lost my job and the car was repossed on XX/XX/XXXX. The car was sold at the auction for {$7700.00}, and the balance of {$7000.00} was applied to the balance of the car. 
It is showing on my credit report as I owe {$14000.00}, and that I am passed due {$6300.00}. I have called and was told that the payments continued to calculate even after the car was picked up and sold. I have asked that this be removed and that we work out a payment plan for the {$14000.00} and get no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, is not acting in good faith and unfairly and inappropriately reporting me negatively on my credit report, for an account that was transferred out to   XXXX   in   XXXX   and they already deleted the tradline, but on the  XXXX  account it 's still showing being delinquent in  XXXX . When I reached out to Equifax they gave me the run around, although it 's clearly showing that the account is not accurately reporting,
Product: Debt collection

This debt comes from XXXX Bank and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Product: Credit reporting or other personal consumer reports

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

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following hard inquiries are fraudulent and unauthorized : 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/XXXX & XXXX/XXXX/XXXX
Product: Vehicle loan or lease

Nissan Motor Finances claim I am 17 weeks late on my XXXX payments & is trying to charge me an extra $ XXXX {$320.00} in overdraft fees. They also claim one of my payments of {$290.00} did not go through but I have a bank statement showing the money was taken out my account from XXXX XXXX XXXX. I only had {$100.00} left to pay before the month of XXXX was over. I have evidence showing I schedule a payment for that amount before the month of XXXX ended, however, my account was blocked & my payment for {$100.00} was declined. I nor my grandmother was called & notified that the payment was declined instead they waited till XXXX ended to call & tell my grandmother that there was no payment made & now there are overdraft fees & extra payments.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I became aware that I was a victim of identity theft. Unauthorized accounts were fraudulently opened in my name without my knowledge or consent. I discovered these fraudulent accounts after reviewing my credit report. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681c-2 ( FCRA 605B ), I am exercising my right to request the immediate blocking of all fraudulent accounts that were opened in my name due to identity theft. The following companies show accounts that I did not open : 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

I made a complaint to XXXX  because an unauthorized person represented themselves as a XXXX XXXX employee when I called the customer service line. I called because the account I set up wasn't explained properly. I was under the impression, when it was explained to me when I opened the account, that I had an overdraft account. Meaning, it was explained that if I setup a joint savings account and I made purchases, XXXX XXXX would automatically deduct it from my other account set up with no fees charged if my checking didnt have enough to cover it. The day I called to explain, like I said, it was someone stating that they were a XXXX XXXX employee ( a manager ) but ironically I was transferred to a department that had nothing to do with my concern. I was put on hold for ten minutes because the person " manager '' claimed that he couldn't find out what kind of account I had. He asked me could he have permission to extensively access and research and go through my account. Now mind you, I have worked several years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX  XXXX XXXX and XXXX XXXX. So, I knew the person was full of it. This " manager '' claimed he couldn't help me but he could refer me to the investment banking department - which had nothing to do with why I called. After that, I looked on my tablet to go on my online banking. My checking account began to be immediately affected with double charges and them shifting my money back and forth between my accounts, re itemizing my charges, they ran my credit without my authorization, they linked my {$6000.00} XXXX XXXX XXXX advantage card to my savings and checking accounts, they also CLOSED MY XXXX XXXX XXXX CARD without notifying me of the reasons after they ran my credit unauthorized with no probable cause. I only had the card for six months and NEVER USED IT! They sent me a letter ten days after they closed my card and talked to this shady person stating I had all these charge offs and accounts that were delinquent on my credit report that WASNT TRUE and they based it off of my activity in my checking and savings account - when in fact, there computer were the ones messing it up! I know my account was hacked! They offered me mediation and consultation as well as advice and encouragement to seek other legal action. So, thats why Im contacting this law firm. I am COMPLETELY UPSET with XXXX XXXX and there unethical and shady business practices. I told them that here they go again doing the same thing they did to get in trouble years ago my stashing money from individuals accounts and adding it to other places and re itemizing charges just like the lawsuit they had. XXXX XXXX is back at the same thing again and unfortunately I am the victim! Theyve also cut my debit card off while buying necessities for no reason. My account has been hacked when I reported the problem to them and still being hacked. Please help me.
Product: Debt collection

My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Credit card or prepaid card

I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and XXXX   ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with Discover Bank, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to Discover Bank -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that Discover Bank just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the Discover Bank and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from Discover Bank, and subsequently had to pay the IRS the income tax due on the cancelled debt that Discover Bank reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but Discover is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and Discover are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below,   please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX.  XXXX. XXXX. XXXX. XXXX  ) Discover Bank v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX. XXXX ) XXXX XXXX XXXX . XXXX v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Product: Credit reporting or other personal consumer reports

Th

e Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

JH Portfolio contracted with XXXX XXXX XXXX to collect a credit card debt which I owed. I complied and paid the full amount. When I reached out to XXXX XXXX XXXX, they stated that the account got sold to XXXX XXXX XXXX. XXXX XXXX XXXX states that XXXX XXXX XXXX, is not reporting that my debt has been paid in full. The balance was originally at {$1700.00} according to XXXX XXXX XXXX and is now showing a balance in the amount of {$470.00} on my credit report. XXXX   XXXX said they would take care of it and they have not responded to me for several days. I am getting the run around from all three companies especially XXXX XXXX XXXX. I paid off my balance of this credit card in XXXX of 2019
Product: Debt collection

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. AMERICAN HONDA FINANCE # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.