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

XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

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

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

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

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/22 I applied for a XXXX XXXX credit card via an email solicitation ( having previously had a savings account with them ). On XX/XX/22 I received an emailed letter from XXXX XXXX stating they could not open the account due to being able " to validate my identity ''. I have attached that letter to this complaint. XXXX XXXX was able to make a hard credit inquiry on my Experian report on XX/XX/22 lowering my credit score. It is absurd to state that they can not open an account due to being " unable to validate my identity '' yet still create a hard inquiry on my Experian report. 

I have previously communicated with XXXX XXXX as well as disputed this hard inquiry with Experian with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I notice XXXX that there was a collection account showing on my credit report from XXXX XXXX XXXX. I called them to find out what this was about as I have not received any notification of any collection account. I was told that they can not give me any information that I needed to speak to Murray Cobb 's office, that he was the attorney handling this matter. I called the law office and asked them about this debt. They said it was for a wireless provider XXXX  and I told them that I never had a XXXX account that I have XXXX XXXX XXXX  and before that XXXX and that they were under my dad 's account. They asked me if I know XXXX XXXX and I said yes and they said the account was under that company name. I told them I am not liable for any of those debts and I have never been notified in writing or called about this debt and the only way I found out was that I applied for a mortgage. They insisted and very rudely told me they did and tough luck. I asked for proof that I am personal liable and they have not produced this to date. How can they just placed a collection account on my credit report without notifying me and/or validating that I personally owed the money? Before a collection company can put a debt on my credit report, they are legally required to send me a written " validation notice '' within five days of their first contact with me, which details the amount owed, the original creditor, and your right to dispute the debt, which is mandated by the Fair Debt Collection Practices Act ( FDCPA ). I contact them in early XXXX, two or three times, I can find my notes. Now I just received on XX/XX/XXXX a letter from them about the debt. How can they have this placed on my credit report before contacting me. They said I had until XX/XX/XXXX to dispute the debt, which I did and mailed back to them. On the phone when I called them I asked about just paying this to get it off my credit report. They said if I paid the full amount they would give me a on time courtesy and remove the account. I didn't trust them and I asked for this in writing and they said they won't do that but our conversation was recorded. I asked can I record this and they said no I just need to trust them. How can I trust anyone that can be so deceptive and lie to me and then say just pay it and it will be removed. If I owe the money, I will pay what I owe before it could have been added to my credit report. But they never contacted me nor have they provided proof I personally owe the debt. I asked multiple times to speak with a supervisor and they tell me no one is available they will call me back and they never have. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any loans with the company and don't know why I have an inquire on all 3 Credit Reports XXXX, XXXX and XXXX ALLY FINANCIAL Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.
Product: Debt collection

Upon returning for XXXX in XX/XX/XXXX, I begin to look for apartments around XXXX XXXX. As the leasing process begun with XXXX XXXX XXXX, I was notified that I had delinquencies on my credit report. After further investigation it became apparent that my personal information and credit had been unlawfully used without my consent. There were multiple accounts directly opened fraudulently equating around the amount of {$40000.00} USD for XXXX XXXX monetary gain. Since then, with the help of my Legal Advisor, Ive reached out to all 3 credit bureaus through certified mail along with the FTC report submitted in XXXX with hopes to combat these false accusations in order to clear my name and credit. Some of my attempts were successful as the bureaus mutually accepted my fraud claims and removed the existence of said credit accounts. Unfortunately, the more significant amounts did not receive the same fate since Im still being held accountable for them. Synchrony Bank ( also known as Care Credit ) was one of many credit lines that Ive tried resolving this fraud issue with. Since XXXX, Ive called and submitted multiple fraud claims with the company in which all including the recent one in XXXX of XXXX were denied. During their multiple fraud processes, Ive faxed them numerous of documents showing my whereabouts identifying that I was on XXXX during the opening of this account and when it was used for XXXX XXXX XXXX and XXXX XXXX. However, my requests for the Validation Notices, Itemization of amounts, and the original signed application were denied because I was unable to pass their test when asked about the account for identification purposes. That is to be expected since I did not open or authorize anyone to open this account nor the other numerous accounts. I was denied every time that Ive requested to escalate the claim to a higher individual in the company. As a XXXX veteran with various XXXX, the countless harassments of threats Ive received from this company has affected not only my personal life but also my workspace as well. This company has starting to send multiple letters to my parents residence including numerous called sent to my mothers phone. The recent letter Ive received from the company stated that I was denied because of the following : Care Credit Account XXXX : XXXX 1. The account has been opened for more than 12 months with statements sent to you. This information is inaccurate because I been fighting this fraud claim since the moment, I was aware of its existences. Records will show that Ive reached out to this company from XXXX to present day. 
2. Payments have been made by you on this account. None of my accounts have paid any bills associated to this company. The Company has never had any of my banking information. 
3. You authorized, participated in, or benefited from the purchase. This information is inaccurate because this account was never approved nor received my consent. Ive never used this account for personal gain. Ive never been a patient at said company. 
Please Advise and thank you as Im requesting to be relieved of this debt.
Product: Debt collection

XXXX XXXX XXXX XXXX is illegally trying to collect a payment that is fraud. I turned in my equipment on time and at that time paid my final bill. I asked them at that time if I am paid off and they said yes. This was XXXX. 

Now in XXXX of this year, I have a surprise collection account on my credit from an agency called Convergent Outsourcing for {$270.00} with no former information.

I paid this in full. Many times cable companies try to commit fraud and bill you for nothing.

This is what is happening here. They should not be able to get away with this and have already destroyed my credit score. I paid them in full at the time I gave in my equipment. 

The collection was put on my account on XX/XX/XXXX. The account number is # XXXX The law says cable companies are not supposed to put collection accounts on your credit report particularly if it is fraudulent because they do this. 

Convergent Outsourcing Collection Agency XXXXXXXX XXXX XXXXXXXX XXXX, Washington State XXXX. No phone number provided, no real address provided. 

Why would I not pay my bill in full at the time of returning my equipment. This is a pattern with cable companies. 

Please ask them to remove this from my credit report. It is fraudulent. 

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

Experian has removed and placed back XXXX fraudulent accounts from XXXX XXXX : fraudulent account number XXXX is worth {$27000.00} and account number XXXX is for a little over {$5000.00}. Experian had received an FTC report back in 2019 on XXXX XXXX. Also, XXXX XXXX has been contacted by phone at XXXX. A certified letter is on its way next to XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by CLARITY SERVICES on XXXX/XXXX/2016 & XXXX/XXXX/2016 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The reason of this email is to put a complain about the situation Rush More loan services They reported me being behind 3 months in XXXX XXXX  XXXX But I was placed in forbearance until XX/XX/XXXX XXXX  XXXX, when it ended. 

Right after that they put me on a new program referred to as partial claim on XX/XX/XXXX, I spoke several times with RushMore representatives and asked them if I was still protected on my credit and ALL of the said yes that I was protected without any risk of being sent to the bad credit, I spoke over 6 times with them about that in different dates since XX/XX/XXXX and even all the way until XXXX XX/XX/XXXX Rushmore transferred my loan to XXXX XXXX on XX/XX/XXXX and the situation got even worse, During the transition, the apparently lost the partial claim paperwork and by the time they were able to locate the paperwork from Rushmore it was 3-4 weeks later. 

When I initially called Rushmore in XXXX XXXX  XXXX, they said they were going to delete the mortgage lates and to expect something by XXXX XXXX  XXXX. In XXXX XXXX  XXXX, I reached out as nothing had happened, and they said another 3 weeks. This has now been going for 6-7 mos. And still nothing. Recently, I had my credit pulled, and the 3 month mortgage late was still reporting. I dont know what else to do, but really need help!

theyre saying or acting like it was nobodys fault both parties Rushmore and XXXX XXXX saying it was Rushmores fault, I dont think is fair to us since we need to sell our actual house due a personal situation with a XXXX XXXX that we have with XXXX XXXX and she has XXXX  equipment as well going now more often to XXXX, TX for her to be seeing by doctors over there, for that situation and location of the actual house we need to get a house closer to the way to XXXX, TX since we live XXXX XXXX XXXX right now, apparently theres an easy option to delete those late months through XXXX, I dont know why Rushmore dont fix their mistake and let us move forward with the purchase of our new home, we need this matter to get fixed ASAP If you have any other questions please dont hesitate to contact me at XXXX XXXX XXXX Thank you so much for helping on this matter, Sincerely XXXX XXXX
Product: Mortgage

I got a loan from 21st mortgage for a mobile home i purchased these people have been the wort mistake Ive ever made besides my ex husband. Ive had issues with the home it came with a warranty which they never honored then the freeze came it caused mold and mildew in the home after the pipes busted they sent out an appraiser they forgot to include th plumbng in the estimate when the disbursements came in they made it XXXX near impossible vecause they wouldnt disburse until i showed proof of work so i was having to come out of pocket to pay for some repairs until they decided it was ok to disburse this went on for over 3 months when the plumbing the contractor would not finish the work because of plumbing issues that needed to be obviously fixed they lied to me several times saying they were disbusing and then woudl call me back saying no because ... then i dhad to borrow $ to get the plumbing done to continue the repirs fast forward repairs were completed i started paying the money back im currenlty behind 2 payments because ve been expecting the insurance to reimburseme they have failed to do so they ignored my requests i filed a complaint with TDI that got their attention and within days i get a call back that they are gon na reimburse me 21st motgage is constantly HARRASSING ME i guess they found out about it i get 2-3 calls daily if not more followed by constant emails from XXXX XXXX and forward the phone calls start i answered this morning the I spoke to the lady told her im waiting on the insurance reimbursement to take care of it they said next week she said let me put u on hold while i write some notes on the acct she gets back on phone with a guy claiming to be the suepervisor asking me the same exact questions she just did then proceeds to tell me im behind 2 payments and the account can be repossessed i told him go ahead ill file bankruptcy and take them to court I know they cant repossess me because ive been late before ive always paid up to date but their constant harassing scare tactics is very unnecessary i know theres people that dont care or prioritize their bill i work in auto financing and i see it all the time but I would never talk to my customers the way these people do its unprofessional its antagonizing, unnecessary and causes more stress and XXXX XXXX I usually dont answer them for tht reason im always at work and thy start with their interrogations and wanting to know how i manage my $ during tax season they literally called me and asked me how much i was getting back and was i planning to pay ahead!!!!! QUIT HARRASSING AND TAKING THINGS PERSONAL!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I was victim of identity theft and this has hampered my ability to get a banking account because of the previous breach. This was an issue when I had the account.
Product: Student loan

the money tht student loan is stating I own is incorrect, the loan amount tht was return have not came out the loan amount. {$6800.00} in unsubsidized funds was cancel and {$4300.00} in subsidized funds was cancel over the life time of my loans. the total loan amount are incorrect
Product: Debt collection

My Bank of America credit card which had not been used in a year and dont even have a card, was charged a yearly fee for AAA , I never received a bill or any attempt to collect, I was charged several late fees. When I checked my credit report, which I check often, I noticed a XXXX day delinquent acct, I called Bank of America and paid the charge and closed the acct, they told me twice over the phone that they were sending a letter to the credit bureau to revoke the missed payment as I was never alerted or given a chance to pay, I have disputed XXXX  with XXXX and they are telling me BOA is claiming the missed payment is correct and experian wont or cant reverse the negative reporting.
Product: Credit card or prepaid card

I purchased {$5700.00} of furniture and decor from XXXX XXXX on XX/XX/18 using their store-branded credit card ( can only be used at XXXX stores, not a XXXX, XXXX or XXXX logo card ). I checked off the box for a promotional 0 % financing for 12 months. I made sure that I did that critical part of the step. I paid my first payment due XXXX and when my following statement came due for XX/XX/XXXX, I noticed a {$120.00} interest charge on the statement. 

I didn't think the statement due in XXXX had all of the purchases I made on it because some of them hadn't been delivered, that's why when I saw the minimum payment as {$320.00}, I assumed that was because only half of the furniture had not been delivered. 

I called to dispute this and they told me they would return my call in the next couple of days. It has now been 7 days. I signed up for a 12 month promo period, and they just put it in a payment plan that was due immediately. This is very disappointing.