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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Mortgage

I USED MY VA BENEFITS TO PURCHASE OUR FIRST HOME HERE IN XXXX. AFTER SOME TROUBLE WITH THE MORTGAGE BEING BOUGHT BY PENNY MAC WITHIN 15 DAYS OF MY SIGNING THE PAPERWORK, AND WHO DID NOT INFORM ME WITHIN THE ALLOTTED TIME THAT WAS NECESSARY, WE THEN WERE CONTACTED BY A XXXX XXXX, A Senior Counselor FOR XXXX ( Cell:XXXX, Dir or Txt : XXXX T : XXXX xXXXX F : XXXX Email : XXXXXXXXXXXX | XXXX ) WE PAID {$3500.00} TO THIS PERSON TO HELP US REFINANCE/MODIFY OUR LOAN BECAUSE WE WERE PAYING 4.25 % INSTEAD OF 2 % THAT WE WERE TOLD I SHOULD BE AS A VETERAN. HE THEN IN TURN SUPPLIED US WITH " ATTORNEYS '' TO HELP US WITH THE MODIFICATION. THEY WERE : XXXX XXXX ( tel : ( XXXX ) XXXX x XXXX XXXXXXXXXXXX ) AND HER PARTNER XXXX XXXX XXXX ( XXXX ) XXXX x XXXX ( XXXXXXXXXXXX ) WE HAVE ALL THE DOCUMENTATION, EMAILS AND PROOF OF ALL CONTACT WITH THESE PEOPLE.THEY DID NOT REPRESENT US AT ALL!! WE FILED COMPLAINTS WITH THE DA 's OFFICES IN CO AND IN CA. WE HAVE ALL THE DOCUMENTATION. 
OUR HOME WENT INTO FORECLOSER WITHOUT ANY HELP FROM THESE PEOPLE, WE FOUND OUT THAT THEY PRETENDED TO BE MY WIFE AND MYSELF WHEN PENNEY MAC TOLD US OF THE PHONE CALLS THEY RECEIVED FROM US DURING THE TIME WE WERE NOT ALLOWED TO CONTACT PENNEY MAC. PENNEY MAC WOULD NOT SUPPLY US WITH ANY PHONE RECORDS WHEN WE ASKED FOR THEM. XXXX HERE IN COLORADO TEL XXXX ( XXXXXXXXXXXX ) STOLE OUR HOME KNOWING THAT WE FILED A MORTGAGE FRAUD AND IDENTITY THEFT CHARGE AND REPORTED THESE PEOPLE TO OUR LOCAL DA OFFICE, WHO THEN IN TURN TOLD US TO CONTACT YOU. WE WANT OUR HOME BACK!! 
THESE PEOPLE STOLE OUR MONEY AND THEN OUR HOME. XXXX KNEW OF THESE SCAMMERS AND STILL TOOK OUR HOME, WE DID N'T HAVE A CHANCE TO GET THIS RESOLVED BEFORE WE WERE FORCED TO LEAVE. MY WIFE AND I LOST OVER {$100000.00} OF SUPPLIES, STORAGE, AND TOOLS, RENOVATIONS FOR MY WIFE 'S XXXX TOTALED IN EXCESS OF {$75000.00}. PLUS OTHER MODIFICATIONS WE DID ON THE HOUSE XXXX WE LOST OVER {$100000.00} OF EQUITY IN THE HOME. 
WE HOPE YOU CAN RECTIFY THIS LOSS BY GETTING THESE PEOPLE TO REIMBURSE US THE MONEY THEY STOLE AND OUR HOME. MY CREDIT IS TRASHED BECAUSE OF WHAT THESE PEOPLE DID. WE CAN NOT BUY ANOTHER HOME FOR 3 YEARS AND MY WIFE IS XXXX AND RENTING A HOUSE HERE IS TOO EXPENSIVE.AND IS GOING UP BY {$1000.00} PER MONTH XX/XX/XXXX. WE HAVE ALSO BEEN TOLD THAT WE STAND A GOOD CHANCE OF GETTING OUR HOME BACK AS WE WERE VICTIMS OF FRAUDULENT ACT, WE CAN NOT AFFORD AN ATTORNEY AND CALLING COLORADO LEGAL SERVICES HAS GOTTEN US NOWHERE.. 
PLEASE HELP US, AS MY WIFE 'S HEALTH IF FAILING. 
WE WANT OUR HOME BACK!! 
PLEASE HELP US. 
YOU MAY CONTACT MY WIFE ON XXXX OR ME XXXX. 
MY WIFE CAN GIVE YOU ANY FURTHER INFORMATION YOU MAY NEED. 
THANK YOU XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is an unauthorized Inquiry. Please remove within 30 days.
Product: Credit reporting or other personal consumer reports

I have sent out letters for these errors to be fix and they have not yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company I worked for used XXXX as a security system. They were later purchased by XXXX XXXX XXXX. The company closed in XXXX and the office was closed and the services were canceled in XX/XX/XXXX. There was a credit balance on the account of {$14.00} at the time and the were to issue a refund. The refund never came. 
Last week I received a collection on my personal credit report for {$520.00} This was never my account to begin with. I have never received any notices about a charge. The business account was closed over 2 years ago. 

I have called XXXX XXXX XXXX and they said they could not do anything. I asked to talk to a supervisor and after over an hour they hung up on me. 

I called Mountain Run Solutions and the call went to voice mail. 

I want this off my credit report.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, XXXX, and Equifax for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. XXXX signed on XX/XX/XXXX stated my dispute was received, XXXX and Eqifax signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.
Product: Credit reporting or other personal consumer reports

I disputed the information on my report with EQUIFAX on XXXX the dispute number is XXXX EQUIFAX did not provide me with any information regarding the dispute besides that they verified it. 
I made a CFPB complaint on XX/XX/16 and Equifax still did not verify the information Im disputing or show proof from the furnisher that my dispute is verified. EQUIFAX also did not send me any paperwork requesting further information in response to my CFPB complaint. 
Im requesting that the company verify the information listed on my report and show proof of the verification dated within the last XXXX days or delete the information as incorrect from my report. 

DISPUTED INFORMATION IS PUBLIC RECORDS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm a consumer submitting this complaint without any third party being involved on behalf of myself. Upon checking my consumer report I've noticed several fraudulent accounts, addresses, and hard inquiries being furnished on my consumer report without my written instructions or consent and no lawful authority. Fraudulent accounts : XXXX  XXXX {$5300.00} opened ; XXXX XXXX XXXX XXXX : {$3700.00} opened : XXXX XXXX : {$1400.00} opened : XXXX XXXX XXXX XXXX : opened : XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX .
Product: Checking or savings account

I ask my bank cash App to block A merchant and they told me that they were block and afterward I noticed that there were charges from the merchants and that there wasnt supposed to be any and that I wanted my money back and that it is the fault so they needed to handle it and they refuse to do so and also refused to clarify or discuss it any further and cute off about it altogether which is not acceptable even when they were in the wrong and allowed the transactions after they blocked them upon my request weeks prior to the matter at hand and they have causing me hardship and hendering me from getting myself food to eat and water to drink
Product: Mortgage

My wife and I sold a previous home in XXXX and the mortgage lender freedom mortgage had asked why we were not using them to buy our next home. After that suddenly we were being told that 2 months of mortgage payments were late which was obsurd due the fact they were set automatically each month through our bank XXXX XXXX XXXX. We then contacted the bank and have statements proving that we were not late on any payments over 30 days that they were all paid within the time period. 

After bringing this to there attention and showing them proof they still would not take care of the situation and low and behold now our credit took two hits, and they refuse two fix anything even though we showed them all of the mortgage was received. After investigation this is not the first time Freedom mortgage has been sued for previous occurrences similiar to this and I want them to correct what they have attempted to destroy. The amounts I always paid were XXXX which the amount was about XXXX and some change.
Product: Debt collection

On XX/XX/XXXX, I got a credit report that owe {$120.00} for an insurance premium form XXXX XXXX. I never had XXXX and never owned them. I called to verify the information. I was told they cant do anything. i initially called the debt collectors and they told me to call XXXX. 

I called XXXX and they told me that i live at XXXX XXXX XXXX XXXX, XXXX, PA and i owe them and they cancel my insurance on XX/XX/XXXX and i failed to pay them the balance. 

I told them that that's not me and I don't owe them anything. they did not believe me and said there is nothing i can do. 
I decided to dispute the debt as it brought my credit down by XXXX points.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXXXXXX I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXXXXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX  : The inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently and is having serious lasting impacts on my credit scores. I have tried to get these accounts removed from my credit report and have filed a police report and Identity Theft Affidavit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect info on report. id theft victim. 
chapter XXXX bankruptcy court XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a {$270.00} pre-paid Visa card from MyPrepaidCenter.com in   XXXX   2016. The card was labelled as " Valid Thru  XXXX  ''. I last used the card in  XXXX  2016 and it still had a value of {$93.00} according to MyPrepaidCenter 's own website. I called them today to have a new card issued and they said they would only do it if they charged me a {$15.00} fee and also they have been charging me a {$3.00} maintenance fee every month for the last 8 months since this arbitrary " valid thru '' date passed. Now they say the value is {$62.00}. I believe these fees are illegal and violate the CARD act, and a {$15.00} reissue fee is excessive.
Product: Credit card or prepaid card

Filed in bankruptcy has not been removed from credit bureau after I have already spoken to Capital One previously regarding account. 

CAPITAL ONE BANK USA- XX/XX/2010 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
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: Debt collection

Midwest recovery systems has re-aged a debt that has past the statue of limitations and is failing to report the date of first delinquency ( DOFD ) properly. Instead they have reported it as new debt as of XX/XX/2020. I have already disputed it and they still fail to report it properly since it would show that the DOFD is well over the statue of limitations. And even the debt amount owed is false since the original debtor ( XXXX ) over charged me the loan and I refused to pay anything above the original agreement. But this was well over 6 years ago and has now showed up as new debt by Midwest recovery systems through the tactic of re-aging. Which sadly is done a lot by this firm from what I have read on-line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian my dispute with report number XXXX on XX/XX/2020which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 

If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 a fraudulent loan was taken out in my name in the amount of {$20000.00} and it was put onto my credit report. I contacted the company that issued the loan ( XXXX XXXX XXXX ) and also the 3 major credit reporting agencies XXXX, XXXX and Equifax and disputed the charge as fraud. I sent all 3 agencies the police reports and notarized fraud affidavits. XXXX  and XXXX immediately removed the fraudulent account from my credit. Equifax did not so I disputed the charge again and resent my documentation. Again they refused to remove this item from my credit stating the account was verified as accurate by the creditor ( XXXX  XXXX XXXX )
Product: Checking or savings account

I had my personal checking, savings, auto and home insurance with USAA. MY grandfather was a original charter member of USAA as well. Not only was my checking account effected by forgery by a family member. My trust account for XXXX was completely stolen by a forged fax? Really. Not even 1 phone call from bank to do any verification. The money has a digital footprint to the person who stole it as they put it electronically into there bank account. I have tried and tried to work with USAA, and they just ignore me while they con
Product: Credit card or prepaid card

Capital One Bank opened a fraudulent Bass Pro Shops account under my name. they told me that the account & hard inquiry would be removed from all 3 credit bureaus but it's still showing on my reports. I need XXXX to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I have proof via police report that I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaint XXXX XX/XX/18 against Equifax for not changing the account XXXX XXXX XXXX that was included in my chapter XXXX and charged off with a balance of XXXX. It was corrected and actually removed from my report as requested ; therefore, I withdrew my complaint with your company. As of today XX/XX/18 it has reappeared on my credit report and my score has dropped once again. I want Equifax to permanently remove XXXX XXXX XXXX from my credit report. My next step is to contact my bankruptcy attorney as I know legal action can be taken.
Product: Credit reporting

Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission.
Product: Mortgage

Dear Officer, " We received a preapproval from Pulte XXXX XXXX and its in-house lender, Pulte Mortgage , and deposited {$5000.00} as earnest money for House # XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX We diligently followed all procedures and provided all necessary documentation in a timely manner. On XX/XX/XXXX, they approved the final loan without any contingencies, sent a welcome invitation letter for the closing date, and scheduled the final inspection of the house. 

On XX/XX/XXXX, we conducted the final inspection at the property and signed off on the completion construction paper. However, on the same day, at XXXX XXXX, Pulte Mortgage called us to inform us that our loan had been declined and advised us not to proceed with the closing. This unexpected turn of events, just one day before the scheduled closing date on XX/XX/ 2024, has not only put me in a precarious position but also jeopardized my property and earnest money. 

Such actions not only lack transparency but also demonstrate a severe lack of ethical business conduct. Treating buyers with such disregard and uncertainty is simply unacceptable. Despite our communication regarding the earnest money refund, they have been unwilling to issue a refund, despite the clear decline of the loan from their end at the last hour. 

I implore that this matter be addressed with the urgency and seriousness it deserves. I trust that immediate steps will be taken to rectify this situation in good faith. Please guide us on how to resolve this matter with Pulte XXXX. 

Thank you for your attention to this matter. 

Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$14000.00}
Product: Vehicle loan or lease

XXXX XXXX is a disingenuous Santander XXXX who is extremely passive aggressive, and has ZERO problem solving skills. Clearly, she maliciously and intentionally lied to sabotaged my gap refund. My Santander account was paid off and closed XX/XX/XXXX. She contacted me after XXXX on XX/XX/XXXX with a lot of double talk, and PRETENDING to be oblivious of the exact date my account was paid off, and how her computer wasnt working. XXXX a XXXX who tried to indoctrinate my thinking. Surly, she should have opened the conversation with the date my pay off was received. Again, shes the most deceitful, because she informed me my XXXX would be overnighted, once my payoff was received! Suddenly, shes oblivious to the who she spoke with at XXXX XXXX, and cries victim when questioned. According to XXXX at XXXX XXXX the XXXX was mailed to the XXXX XXXX dealership on XX/XX/XXXX. Initially, I protested, that my XXXX should be mailed overnight to me, and XXXX assured me, that would happen once my payoff was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inconsistencies with my credit report date dont match up never late In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions