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

My complaint is about removing Unverified, and Inaccurate Information, off my credit report.The problem Im having is with Equifax and XXXX  refusing to Update Correct & Accurate Information And choosing not to removed-incorrect information off my credit report. I sent a validation letter to all three credit bureaus along with Social Security card and Drivers license Too all 3-Credit Bureau XXXX XXXX, Equifax and XXXX  After further investigation .XXXX  remove this Creditor account XXXX  XXXX XXXX , from my credit report, as result of their investigation. After providing my Drivers license, Social Security and Proof of address for the last five years. Nonetheless, I also gave them A copy of my credit report showing the inconsistencies and inaccurate information of the SAME CREDITOR ( XXXX-XXXX  ) reporting. Why are each Credit bureau reporting different information if it came from the same creditor. ( XXXX  XXXX XXXX ) If the account was furnished by the same creditor XXXX  XXXX XXXX why isnt the information the same across the board. I dont see why each credit bureau are reporting whatever they feel Epecially, when its coming from the same creditor XXXX XXXX XXXX.I dont believe Equifax or XXXX ever investigated this matter. If so what is the method of validation.Did they do they do diligence and request their original copy of the contract? If so where the proof did they request a copy of a wet signed contract? Did they even get in contact with the creditor? Its been over three months since I ask them to validate this account belongs to me. They have yet to provide me with proof of my signature on this contract I ask that this account be removed Immediately ( XXXX XXXX XXXX-XXXX-XXXX ) and updated with accurate information.Such as XXXX  removal due to their investigation. 

I would also like to take this time out thank you in advance for your time in this matter and look forward to your response. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

The Collection Agency representing XXXX XXXX account set up a payment arrangement that was met and completed in XX/XX/2019 and it does reflect that the debt was charged off by completion of payment and no balance owed ; however it is still on my credit report as still in collections. I was informed that because I was late paying of the last payment by 30 days, they can keep it as a delinquency for 7 years. This was supposed to come off my credit report upon completion of payments regardless if it was 30 days later than when scheduled, they were paid off in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Good Afternoon Sir or Madam, I need some help battling Amex. Amex has charged me a fee " residual balance fee '' after I have paid my outstanding statement balance in full before the due date. Amex said it is a " residual balance fee '' which is NOT disclosed anywhere on the account agreement/disclosures. Not sure how many more consumers/debtors are being charged this bogus fee, but this needs to be investigated and brought to light. 

Amex account disclosure can be viewed here : XXXX XXXX XXXXXXXX I am available to discuss this matter any time. Please call me at XXXX? 

Thank you! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously written Experian regarding inaccurate information they are reporting in my credit file. I've sent numerous letters regarding the accounts that does not belong in my file. Experian 's response is the accounts are verified however, I am very puzzled on how they were able to verify this information since I've contacted the collection agencies myself and they weren't able to provide proper verifiable documentation. My most recent letter from Experian stated they were no longer going to investigate one of the accounts I've been inquiring about for months. I've asked many times for them to send me documents for such accounts and they've failed to do so however, they will send a report stating the account was " verified ''. With all the identity thefts and frauds happening, I am concerned this may be the situation with my credit file. My requests has always been for Experian to provide verification that I owe these collection agencies or simply remove the inaccurate information from my credit file.
Product: Credit reporting or other personal consumer reports

I disputed my personal information with TransUnion on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthiness. XXXXXXXX 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 XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

XXXXSpringoakcap is attempting to collect a debt. I have never had an account with them or their client. I asked for a copy of the original agreement bearing my signature regarding such an agreement along with the ID used ope the account, the date the contract was signed by me an other relevant information to verify the debt. They did not respond. They placed this debt on my credit report before validation which is against the law and therefore should be removed and permanently deleted from all credit reporting bureaus and agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX  added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. In XXXX, I was a resident at XXXX XXXX XXXX XXXX XXXX, GA XXXX. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt. 

I also never in XXXX, TX at XXXX XXXX. This is a fraud account.
Product: Debt collection

I have a collection account from I C Systems via XXXX that does not belong to me. I have never had a XXXX account in my name. This debt is not mine. They are asking for {$380.00}. I've never received any correspondence from this company showing proof of a XXXX account or asking for payment in the mail. I have also never received a phone call from them.
Product: Debt collection

USCB has reported a collection account to my consumer credit file in the amount of {$640.00}. Account # XXXX. I do not owe this alleged debt. If USCB has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that USCB is attempting to collect on. USCB has no legal right to attempt to collect a debt. USCB has not validated this debt nor sent me a notice of collection. USCB is in violation of the FCRA and the FCDPA.
Product: Credit card

Synchrony Bank has suspended all charging on my accounts. They stated they needed to verify my income. They submitted a XXXX to request my XXXX transcripts. The letter stated it would take XXXX days from the return of this form before I would hear back. The letter was returned over XXXX days ago and to date I have not received any correspondence or able to get any answers to my phone inquiries. last phone inquiry was today XXXX. XXXX the customer service agent advised there was no update. Please note all of the accounts Synchrony Bank has suspended were approved via their automated system and cards were mailed out to me. All information including income was truthful
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a debt that is in violation of my 30 day right to dispute. I recently called to settle another debt and was NOT informed about this new collection. If I had been I would have settled it. This is erroneous on their end and they are in violation of my 30 day right to dispute.
Product: Mortgage

On XX/XX/XXXX I purchased my home and my mortgage was {$1600.00}. On XX/XX/XXXX It went up to {$1700.00}. When I called to make a payment I asked why it went up $ XXXX and never got a straight answer. On XX/XX/XXXX it went up to {$1700.00}. They keep raising my payments amounts and now it is at {$160.00} more per month. Im struggling to make these payments and every time I ask why or ask for help they give me the runaround and do not give me any solutions.
Product: Debt collection

Company at number XXXX claiming to be XXXXXXXX XXXX XXXXXXXX XXXX contacted me regarding a case they cited as XXXX ; they threatened legal action and garnishment, wanted immediate payment and refused to disclose any information about the supposed debt. 

I have no outstanding debt, I believe this is a scam, and the fact they refuse to disclose their business number, the name of an attorney, or the state they are licensed in strengthens that suspicion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my credit score to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Experian and the continue to report an inaccurate bankruptcy on my credit report. XXXX XXXX has verified that I dont have a BK, also, Ive sent them copies ( XX/XX/XXXX ) of my report as proof and they still will not delete this record. They claim that they did an investigation but one of the phone reps told me that XXXX never verified the bk. Also , XXXX has sent them a dispute asking the to correct the issue but the wont. XXXX has even confirmed that they never did an investigation or contacted them about this item. Although I have sent in my current consumer report from XXXX whom their claiming supplied them this info and XXXX has sent in a dispute requesting that this item be deleted, they will still not correct this.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding multiple hard inquiries on my credit reports that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries are only permissible with my explicit consent. As these inquiries were made without my authorization, I am requesting that they be removed immediately from my credit reports. 

Below is a list of unauthorized inquiries : XXXX XXXX  : XX/XX/year> ( XXXX, Experian ) XXXX : XX/XX/year> ( XXXX, Experian ) XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX  XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XXXX  : XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX : XX/XX/year> XXXX Experian ) XXXX XXXX XXXX : XX/XX/year> XXXX Experian ) XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX XXXX XXXX : XX/XX/year> ( Experian XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX XXXX XXXX : XX/XX/year> ( Experian ) XXXX : XX/XX/year> ( XXXX ) XXXX  : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) XXXX : XX/XX/year> ( XXXX ) To support my claim, I have attached the following documents : Government-issued photo identification ( driver 's license or passport ) Social Security card copy Recent utility bill as proof of address An affidavit stating my non-authorization of these inquiries
Product: Debt collection

ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
Product: Debt collection

This company listed a fraudulent collection on my credit report. It did not notify me in writing of the account prior to it being listed on my credit report. My address is XXXX XXXX XXXX, XXXX, AL XXXX. I spoke with someone who said they had sent out a correspondence, but I never received one. The company is stating that I owe {$160.00} for services I didn't receive. I want this account permanently removed from my credit file and if the company has any additional information or correspondences that need to be sent to me they should be sent to the above address. This is not my account and a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.
Product: Mortgage

I am an XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, LA. I tried requestion the Louisiana XXXX benefit through ServiSolutions which is who I make my mortgage payments to but I was denied. I was also told that if this is resolved my backpay would be applied to future payments or my escrow however they see fit but it would come directly to me. I dont know if this is legal or not. But Im not requesting help with my payments only to get my mortgage APR to 6 %
Product: Mortgage

XXXX and I are both service-connected XXXX Vets and he and his wife XXXX are under contract on a more accessible house that will improve XXXX daily quality of life. I have made an offer to purchase their current home via loan assumption and a cash payment to cover the remaining equity theyve built in the home. VA Loans allow for these assumptions, and the current servicer, Mr. Cooper ( formerly Nationstar ), assured XXXX and I that this process could be completed timely, within the bounds of a traditional real-estate-close schedule. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process. 

We completed all documents they requested, and provided those, along with any documents we anticipated they would require, within 1.5 business days. Mr. Cooper then told us that this process would take XXXX to 6 months. Each time we speak with someone at Mr. Cooper, the number we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. The most recent interaction I had with them was today, and they landed on 4 to 6 months as the estimated time to complete the assumption. I also had XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on the phone with them today. He was taken aback by the  notion that it would take XXXX XXXXr 4 to 6 times longer to only run credit and order an appraisal than it would to do both of those things AND fund a loan, as they do with new retail loans. 

XXXX XXXX states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The XXXX XXXX agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response. 

Given the way South Carolina 's real estate laws work regarding XXXX money, both XXXX and I stand to lose thousands if our deal falls apart, as it would cause his other deal to fall apart as well. Worse, however, is that XXXX and XXXX will have restart their sale and search processes and prolong the time spent in a home not well suited to XXXX needs. We are desperately seeking a timely solution for this issue.
Product: Debt collection

According to 15 USC 1692 C you have violated my rights by in lawful communications please remove this collection off of my credit report thank you
Product: Checking or savings account

After months of aggravation, a retired judge who is dealing with the same issue encouraged me to contact your bureau. I am XXXX XXXX, a XXXX-year-old widowed female. My husband and were clients of Citi Bank since about XXXX. We opened a Wealth Management account and were told to also open an interest-bearing checking account which was fee-free. This account would serve as a conduit between accounts if funds needed to be transferred between accounts. We were also looking to either move or remodel our existing residence. My husband became ill and died in XXXX of XXXX and I had XXXX XXXX in XXXX. Since moving was no longer an option I moved forward to remodel my home. I secured a Home Equity Line of Credit for {$89000.00}. and the project began later that year. The checking account ( new acct. # written on statement behind the old acct # ) was reopened in my name after his death at the advice of the bank. I had maintained great credit and paid my bill on time. My financial advisor at Citi Bank took a position with XXXX XXXX and I closed my Wealth Management account with Citi and followed him to XXXX. Citi Bank sold my Home Equity Line of Credit to the XXXX XXXX leaving only the checking account. The checking account was inactive for some time. My main checking account with XXXX XXXX XXXX  was opened many years prior to opening accounts with Citi Bank. I decided to close the checking account on XX/XX/XXXX. I went to a local Citi branch to close the account. I was informed the account balance was {$400.00}. I know there was about {$1400.00}. in the account but did not have a statement which I had not received in quite some time. A history was generated for 6 months which disclosed that I was being charged {$30.00}. a month in fees. I was advised to contact Customer Service because the issue found not be resolved at the bank branch. On XX/XX/XXXX I called Citi Customer Service and was told that because the funds held by my accounts dropped below {$50000.00}. I was being assessed service fees. This was never discussed when opening the accounts and I was not advised of this when the first fee was levied in XXXX of XXXX. Again I was not receiving statements of the checking account and to this day still am not. I certainly would have closed the account if I had that information. My attorney/tax accountant prepared and mailed a letter in XX/XX/XXXX on my behalf insisting Citi show proof that I was notified or signed a document acknowledging those terms. The letter has gone unanswered. In XXXX I mailed another copy of that letter and again no response. I again mailed the same letter, certified mail to offices in XXXX XXXX, Texas which was delivered on XX/XX/XXXX, and XXXX XXXX, NY which was delivered on XX/XX/XXXX ( post office receipts attached ). As of this date XX/XX/XXXX, there has been no response. I don't where else to turn. I'd appreciate any assistance you might offer.
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  has violated my rights 15 U.S.C 1681 section 602 A. States l 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

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # 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  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 an account without my written instructions