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

On XX/XX/2018, I applied for credit at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA., XXXX through Equifax to finance tires and XXXX was the one that ran the credit report ( XXXX ) XXXX. What I understood her to say was that I didn't have enough credit but found out on XX/XX/2018,  that Equifax reported I had no credit score whatsoever. I asked my mother to co-sign and she did in XXXX, CA., at another location which everything was faxed to the XXXX location. My mother 's score ended up being reduced because it was a hard inquiry which never would have happened if Equifax had reported my credit score. My credit score is high enough to get the credit on my own. Your company has inconvenienced me and my mother when none of this should never have happened. XXXX at XXXX had all the current information with correct social security number, PO Box number , street address, phone number, and income etc. My credit score shows minus the hard inquiry which went from XXXX to XXXX on XXXX XXXX. My mother will be making her own dispute to the hard inquiry when it wasn't necessary for her to be a co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern regarding my credit score on Equifax. It has not been updated since last year, and most of the information on my credit report is not current. This situation is affecting my ability to grow my credit score, and it may prevent me from applying for a mortgage loan with better rates in the future. 

I have used the dispute system online, but I am not receiving an accurate answer. I have only received a generic response, which does not address my concerns or provide a solution to the problem. I am worried that this issue may persist, and it may cause long-term harm to my financial health.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX XXXX {$5700.00} XXXX - XXXX XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

While shopping for a loan to refinance my current mortgage Equifax has reported multiple inquiries separately instead of a single inquiry, they are doing this even though they occurred within a 45 day window. 
I need this corrected due to it adversely affecting my credit score. 
I have tried on numerous occasions via online disputes, letters, phone calls and with a credit repair agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has notified me on XX/XX/18, that there has been a collection placed in my credit report from Midwest Recovery Services with a balance of {$7000.00}. This company has not provided me with account information in writing to dispute. Company hasn't notified me by phone or in writing. This account does not belong to me. I request this collection to be removed from all 3 credit bureaus. 

Thank you
Product: Credit reporting or other personal consumer reports

I sent the equipment back to the company and paid my last bill. They are still reporting on my credit as I owe them. I asked them to stop reporting inaccurate information, and they company is still reporting.
Product: Mortgage

XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.
Product: Checking or savings account

Truist opened a credit card for my business. their was fraud on the card. I closed the card. I called several times to make a payment arrangement and they failed to do it. I was hit on my personal account for over XXXX. i advised them i need my money back and i will set up an arrangement moving forward but i need the funds back. They refuse to give my money back. My business account should not impact my personal account. I don't mind giving them something but XXXX will cause a problem pertaining my main bills. I have worked with them in the past and I know for a fact they work with white people that carry large balances more than the little people that are trying to make it. This is horrible business practice and i fee targeted.
Product: Debt collection

This complaint relates to Complaint ID XXXX Ally Financial Inc. filed a false Federal Form 1099C in violation of Treas. Reg. 1.6050P-1 and N.Y. Personal Property Law 343 ( 2 ). Ally abandoned any right to collection several years ago because it lacked any basis in law, or fact, to prosecute any claim for collection given its failure to serve the proper notices as required by the state statute and given the lack of merit to any claim of damages to the vehicle. The fact that no receivable could have possibly existed as a matter of state law, would preclude Ally from waiving or forgiving any monetary amount. You can't cancel or forgive a debt that never existed. 

I am respectfully enclosing copies of my most recent letter to Ally dated XX/XX/2022 together with XXXX exhibits to substantiate my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit report however Experian, made it extremely difficult to freeze. I took several phone calls. The prompts are misleading. I created a login account however there is not an option to freeze the report. ( The other two agencies were easier to freeze the reports ).
Product: Credit reporting or other personal consumer reports

My personal information has been involved in XXXX data breaches involving XXXX & XXXX. 
I am demanding the following Fraudulent accounts be Blocked or Deleted from my credit file due to Identity Theft pursuant to FCRA XXXX XXXX XXXX XXXX  XXXX # XXXX Credit Acceptance XXXX # XXXX XXXX XXXX  XXXX # XXXX These accounts DO NOT belong to me & I gave NO permission to anyone to use my personal information without my consent or knowledge.
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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Freedom mortgage never notified me that my payment was going to increase as a result to taxes increasing. I made my payment electronically as usual and for the same dollar amount for the month of XXXX and was reported late to the credit bureau causing a drop in credit of XXXX points. Now I am unable to refinance my home at a lower rate causing financial hardship.
Product: Checking or savings account

acct listed as closed for fraud but thats not my social attached to file. XXXX bank  of america and they were unsble to locate any accts under my social.
Product: Consumer Loan

I purchased a car from XXXX XXXX now known as BridgeCrest.. Since having purchased the car in XX/XX/2011, I 've had numerous problems with the car.I have poured at least XXXX into the car for repairs.. I have received harrassing calls, sometimes up to eight calls a day ; When I called to discuss my payments with the representatives they were rude, condescending, and talked over me while in conversation about the details of the car. I have often been threatened to make a payment often leaving my family in difficult situations concerning their basic needs being met. After speaking with one of the representatives she forgot to hang the phone up and I heard her laughing about me struggling to pay {$100.00} that week. She laughed and said, " It is on a XXXX XXXX XXXX ''. Another representative was heard giving her information about what they planned to do with the account and the that the value of the car had been payed off already. In talking to representatives about the account, I would get conflicting information concerning the status of my account. When I made XXXX aware of the problems concerning the condition of the car they said " It is the normal wear and tear of a used vehicle ''. I only drive the car back and forth from work and locally. My fear is that I would be stranded if I were to travel a out of state. It 's getting worse because there is now no workable heating system in the car and we are in the cold weather months. The defogger blows cold air therefore on cold days it is impossible to have a clear view in order to drive. I have been told that there is still a remaining balance of $ XXXX on the vehicle that has to be made by XX/XX/XXXX or the car will be repossessed and will charge off. I have been late with payments because of having to certain income struggles in my family but always continue to make some type of payment. I was sold a lemon of a car, and this is affecting my credit and the opportunity to purchase another more reliable and safer car to drive. Since I have already paid the car off, I want protection from having it repossessed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX  XXXX / XXXX : Account XXXX Account Name XXXX XXXX XXXX  XXXX / XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX XXXX  XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Experian credit bureau refused make charge to increase scores 2 months. My account shows there accounts ( not attached ) so my exaperian account not received credit scores.. Nor changed I reported have bee complaints regarding my credit scores remaining same if any change notice very little. On accounts been paid off payed on ftime .l Have been XXXX with family members unable for me my husband credit not correct
Product: Checking or savings account

Dear Sir/Madam Subject : Formal Complaint Regarding Pending Debit/Hold on Transaction at BOA Bank I am writing to lodge a formal complaint regarding an issue with my account at BOA Bank. There is a transaction has been on hold for more than 3 months with a clear explanation, leaving me unable to access my funds. This situation has caused significant financial distress and inconvenience. 
Please find below the details of my situation : 1.Account Information : Account Number : XXXX Type of Account : Checking Incident Description : My friend transferred to me a sum of {$9400.00} in rent that I paid for him via wire on XXXX XXXX. After the bank confirmed it with my friend and me, it still doubted the transaction and asked me to wait. After I expressed that it was inconvenient for me, the bank still said that it might take more than a year to wait. 
2.Attempts to Resolve with the Bank : Following the discovery of the freeze, I visited my local BOA Bank branch more than 2 times to inquire about the issue. The staff has confirmed this transaction with my friend for details and got the proper answers.But the BOA bank still be suspicious for this transaction and they put this transaction on hold. They informed me that they are unsure about the duration of these processes, and the only thing I can do is wait for an update. 
3.Personal Impact : The inability to access my funds has hindered my ability to conduct daily transactions and address urgent financial obligations, causing undue hardship. I understand that banks may need to freeze transaction for various reasons, including fraud prevention. However, I believe as a responsible account holder, I am entitled to transparent information and fair treatment regarding my financial status. 
Sincerely, XXXX
Product: Debt collection

I have received the letter for debt settlement from XXXX XXXX  XXXX showing the balance of {$7300.00}. I have not had a chance to review the credit card invoices and also no explanation of how the total amount shows {$7300.00}. Also, the collection company has offered for 30 days for the amount of {$2200.00} but not sure how that amount came about and must send payment within 40 days fo the notice dated XX/XX/2019. 

I would like to receive all the copies of the credit card debt that shows {$7300.00} since the account is closed. Also, the explanation of how the settlement has been offered. 

If the settlement is offered, I would need to work out payment plans instead of the lump sum.
Product: Credit reporting or other personal consumer reports

Feb/Destiny credit card optain and used my information without my consent on XX/XX/2024. I have reached out to the company and they remove the account, however there is a hard inquiry from Feb/ Destiny credit card still showing up on my credit report.. I am demanding Destiny card service to remove this hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX beginning has been communicating with a person other than myself, as seen in the attachment they sent me. Instead of communicating with the consumer/natural person, who is myself, they have been communicating with the organization having the shared name as me. This is a violation of 15 USC 1692c ( b ), for I, the consumer, never gave consent. It also is an infringement on my right to privacy as the consumer. 

XXXX XXXX XXXX they honor my cease and desist but not my remedy? These are not separate, and the fact that they are attempting to separate them and think that I would not recognize it is laughable. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury they caused, which was illegal. Them honoring the cease and desist is direct proof that they are in the wrong. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. A bill of particulars is attached. An original writing, recording, and photograph are required in order to prove its content. We both know that bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor. I told XXXX to feel free to attempt to provide a verification proving where else the credit originated. I also told XXXX to providXXXX me with the name and address of the original creditor.
Product: Mortgage

My mortgage was transferred from XXXX to Shellpoint which is serviced by NewRez. Newrez sent me a statement that my maturity date had been extended from previous XX/XX/XXXX to now XX/XX/XXXX. I question this because I didnt refinance and I have a fixed mortgage hence there should be no changes. If the mortgage company changes. I requested a copy of my amortization schedule from NewRez and they sent me the identical copy that I previously received from XXXX that states XX/XX/XXXX ( which was fine ). 
Yet, Shellpoint/NewRez reduced my mortgage payments and extended the maturity date XX/XX/XXXX ( without my permission ). My taxes increased so I dont see how my payments should be lowered if I didnt refinance? I requested a new amortization schedule and i have not yet received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX  XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX-XXXX-XX/XX/14
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXXyrs and XXXX months that should not be there!
Product: Debt collection

I have sent Convergent Outsourcing Inc. multiple validation of debt letters which have been ignored. I expressively stated I wish only to work with my original creditor. This has been ongoing for months. Today I am going to my town hall to get my 4th validation letter notarized and sending it to this creditor in a final attempt for them to cease and desist. I will provide any and all information the CFPB that is deemed necessary. I do hope you will help me stop this collection agency 's disregard for my rights and requests. They are damaging my credit that I have worked very hard for. Despite my efforts requesting they Cease and Desist they are reporting to the credit bureaus still as of today.