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

Hello, I have since XXXX attempted to File a Dispute on my Credit Report concerning an Account that is violating my rights under the FCRA. They claim to verify the information, but provide nothing in the findings that shows where my XXXX XXXX Account is actually in collections. 

I've opened these disputes ( Just two examples ) .... 

- XXXX - XXXX However, I have been unsuccessful due to errors/issues with Experian 's Document upload site https : //Experian.com/Upload. I am unable to upload documents which support my case and am directed to MAIL my documents containing sensitive information to a XXXX XXXX XXXX I object and say I need to do this online and it's like Experian Could care less.. 

The Staff/Call Centers agents are unhelpful if not outright rude when I call in to report this issue ( See attached images ) and give out incorrect or erroneous information altogether such as a Fax # XXXX which does not belong to the dispute team. 

You can call in x3 times and get three different answers from various people who are extremely quick to throw their hands up and say there's nothing they can do, there's no IT department they can put me in touch with, there's no support # to call to potentially get help... nothing. 

Today I spoke with XXXX out of XXXX XXXX, who couldn't care less and told me in less than 5 minutes that there's nothing wrong with their Website. No sooner did I get off the phone with her after she created a new dispute # that the Site went down completely! 

This is ridiculous to be told to Fax Personal information to XXXX only to have it go nowhere, or are unable to confirm if anyone at Experian received it, or at the very least if it's the actual number Experian uses as a backup for dispute submission/documentation! This is a XXXX XXXX if I've ever seen one and it needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still on my credit report.
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2008
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX  XXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX  XXXX XXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inquiry not authorized or signed by me.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus are determined to keep me from my high credit scores. In Particular Experian. On XX/XX/year> Experian took XXXX points off my credit score which was at XXXX at the time. I contested it and exchanged emails with them multiple times but they would not explain why they took off the points. Then on XX/XX/year> they took off XXXX points off my score and said it was because of a collection account. I disputed it and then aske CFPB for help. A few days later they took the collections account off my record and restored the XXXX points. Then they also gave me back my XXXX points on about XX/XX/year>. This took me back to my original score of XXXX. Then just a few moments agon, today on XX/XX/year> they have taken XXXX points back off my score again without providing any reasons except a note that states " Scores Change. '' I have not done anything negative to cause this! No negative items have been added to my credit file. They are just determined to beat down my high score which I have fought so hard for and sacrificed so much for. Can you please help me to put a stop to them just taking points from my score with providing a reasonable explanation? Surely there should be some law that prevents Experian from doing this??? I need your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reported a positive report for years. All of a sudden it was supposedly disputed and took off my credit report with Experian. I have talked to both parties and nothing has been done but blaming each other. Im asking CFPB for help placing my positive information back on my CR because its already hurtful enough fighting other incorrect reports that Im not responsible for. Thank you CFPB.
Product: Mortgage

On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. 
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. 
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. 
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
Product: Mortgage

I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.
Product: Credit card or prepaid card

This is regarding billing dispute XXXX. 

I withdrew this dispute with Citibank. I decided to withdraw all my disputes with XXXX and XXXX through Citibank 's online dispute summary in order to work out a resolution directly with the merchant. The merchant offered to pay for all of our food, including our dogs, on our next visit due to how poorly that had transacted business with us over the last couple of years. Numerous complaints were done within the store, over the phone, through corporate 's website, through a XXXX  report with the corporate office ( no one answered it ). 

The problem is despite withdrawing the dispute and having verification that it has been withdrawn, I recently looked at our transaction history only to find that Citibank issued a credit for the dispute of $ XXXX on XX/XX/2020 that dates back to the original transaction date and amount of the dispute. They have not rebilled for the item. Instead, they deducted it again. I am totally confused. I alerted Citibank 's billing disputes department about it earlier in the day in writing. 

I am attaching all the pertinent documents for your records, including the disputes e-mails to billing on all three disputes that I withdrew, a screen print of the recent credit for dispute, a copy of the withdrawals on all three disputes, a copy of the comped receipt signed by the store manager XXXX, and the e-mail correspondence between the store and myself. 

My concern is they are going to resend another dispute to this merchant for a dispute that has already been resolved and dates back at least a half of a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get info on mortgage loan info, we got contacted by a mortgage lender that took our information and ran our credit without our written consent and did not even get back to us with any information on our mortgage application. 
Company name : new American funding XXXX  XX/XX/2022 XXXX My spouse 's name was on it too
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX XXXX, explained my situation and to cancel the account. It looks like that did not happen. I have a a collection for {$1200.00} from Online Information Services about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud & identity theft. I contacted XXXX and XXXX  TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : Capital One # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what Capital One says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the Capital One account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Flagship Credit Acceptance for multiple violations of federal and state consumer protection laws, including the Truth in Lending Act ( TILA ), Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Florida Consumer Collection Practices Act ( FCCPA ).

1. Violation of FCRA 623 : Despite my request for debt validation, Flagship Credit Acceptance failed to report my account as disputed to the credit reporting agencies. This constitutes a violation of the FCRA, which mandates accurate reporting of consumer credit information.

2. Improper Use of Personal Information : Flagship Credit Acceptance disclosed my personal information without providing an option to opt out, in violation of the GLBA and FCRA 604 ( a ) ( 3 ). This unauthorized use of my information is punishable under these acts.

3. Failure to Provide Required Disclosures under TILA : Flagship Credit Acceptance failed to comply with TILAs requirement to provide clear and conspicuous disclosures concerning finance charges and related aspects of credit transactions, as outlined in 15 USC 1605.

4. Violation of FDCPA : The company 's failure to report the dispute and its misleading debt collection practices are in violation of the FDCPA, which protects consumers from abusive and deceptive collection strategies.

5. Violation of FCCPA : Flagship Credit Acceptance engaged in deceptive practices prohibited by the FCCPA, including failing to address billing errors and not providing options for resolving my financial difficulties. 
Background : I lost my job in XXXX and have struggled to make payments. Despite explaining my situation to several customer service representatives and requesting options for resolution, none were provided. This treatment and the misinformation and deceptive practices have led me to this complaint. I am asking to settle this account in the best possible way to avoid further injury.

I am seeking the following resolutions : - Correction of the reported information to accurately reflect the disputed status of my account.

- Cease and desist unauthorized sharing of my personal information.

- Clear and accurate disclosure of finance charges and related information as required by TILA.

- Removal of any erroneous entries on my credit report resulting from these violations.

- A thorough investigation and appropriate action against Flagship Credit Acceptance for their violations of federal and state consumer protection laws.

-if they are not able to provide the information requested I am requesting settlement of the account in full and release the title to me. The alleged finance credit or loan is paid in full according to my payment history. Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

received a phone number from XXXX on XX/XX/XXXX saying they are from lgr wanted me to verify my date of birth to verify to see what this was even about I have no idea who ldr is and I have received six phone calls within XXXX minutes on XX/XX/XXXX which is a violation of the fair deck collection act I have filed a complaint with the attorney general office of Kansas about this also I received another phone call today that was rejected by my phone sent directly to voicemail stating that I had to call if I didn't call they would send it to the shared server would come to my door and issue me a summons I've researched this account online and I found out that other people have had similar experiences as mine have they are completely in violation of the protection act as well as harassing people they will not give you any information unless you're willing to give them your personal information if they're truly were they can provide limited information such as who they are and what they're calling about or anything all they ever tell you is that regarding allegations against you but nothing specific
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting

My credit score has always been maintained above XXXX and I have absolutely no delinquent obligations or credit. Over the last 3 months ( XX/XX/XXXX-XX/XX/XXXX ) my score has dropped substantially ( presently XXXX ) citing reasons of serious delinquency, level of delinquency, recent delinquency, too many accounts opened and too many recent inquiries. ALL OF THIS IS ABSOLUTELY FALSE. Whatever this is its either fraud, a mistake or false reporting!!
Product: Debt collection

I requested for Collection Management Services to not contact me regarding my account. I added a dispute by email on Monday, XX/XX/XXXX. XXXX from Collection Management Services contacted me on XX/XX/XXXX regarding the account after I put the account in dispute and requested them not to call.
Product: Vehicle loan or lease

XX/XX/2014 the was by westlake financial everything was fine till the truck started having problems I took it back to the dealership and they said they could help me fine out to be the truck was a lemon the truck I took it back and a tow truck put it back in front of my house I try everything the financial company didnt help me and they was the one that told me to used that car dealership in the first place I just let the loan company take the truck back and they sold it for way less than what it was worth in the car action now seams XXXX I still have that in my credit report
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX  XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was opened fraudulently and not by me. This is a violation of my rights as a consumer. It has been sent to XXXX  and XXXX  State Attorney General for the violations committed. I have not authorized for these alleged accounts to be added to my consumer report. This needs to be addressed as soon as possible. 
15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
Please note that I am the only natural person writing this statement with the help of no 3rd party. I never gave any consent to report anything on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA requires investigations to be completed in 30 days. XXXX XXXX and Experian has gone over 30 days according to the law. I did not consent to Experian and XXXX to add to my credit report. There was no investigation be either. I will be filing for a {$1000.00} in court. I will also be writing FTC that my rights were violated. Due to the Experian, XXXX breach. I am demanding one last time that the bankruptcies be removed and sent an updated credit report.
Product: Credit reporting or other personal consumer reports

I am a natural person I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15USC 1681 and they have violated my rights numerous times.

I demand the accounts below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Prime Lending, A plains XXXX XXXX, is refusing to pay the remaining balance of {$22000.00} for a XXXX construction project that I completed at XXXX XXXX XXXX, XXXX, NC XXXX. The project was completed in XX/XX/XXXX and as or today, XX/XX/XXXX, I have not received payment. The buyer, XXXX XXXX, used the loan to purchase the home and is using the property as an XXXX XXXX. This is mortgage fraud as a XXXX construction loan is only to be used for owner occupied properties. The lender is well aware of the present use of the property and knows that this is fraud. The contact for Prime Lending is : XXXX XXXX XXXX XXXX XXXX