23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX : XXXX Account Number : XXXX
Product: Debt collection

Account Name : XXXX XXXX XXXXXXXX Account number : ending in XXXX First and Last name : XXXX XXXX Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This subsection explicitly states that a CRA must not reinsert previously deleted information unless the information provider certifies its accuracy. The CRA must notify the consumer of the reinsertion within five business days, which ensures transparency and gives the consumer an opportunity to dispute the reinsertion if necessary. 
The CRA failed to adhere to these requirements : -No timely reinvestigation was conducted following my dispute. 
XXXX did not receive proper notification of the results of the reinvestigation. 
-There was no certification from the furnisher proving the accuracy of the reinserted information. 
- I was not notified within XXXX business days regarding the reinsertion of the disputed information.
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Checking or savings account

I was denied access of opening a savings account under my trust and was given inaccurate and misleading information as to why I can't I requesting an email in writing of the reason why I've been denied the right to open a savings account in my Trust I will upload a copy of the email to this complaint
Product: Credit reporting or other personal consumer reports

XXXX has reduced my credit XXXX score of XXXX to XXXX for having my XXXX  loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX  misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.
Product: Debt collection

My identity was stolen and used to open an apartment in the state of NC, I have never lived in nor do I know anyone that resides in NC, I have lived in GA for over 15 years. upon further review of my credit report, I saw that there was a balance of {$3000.00} and contacted the debt collection agency, National Credit Systems. I informed them that the debt was not mine and they sent me an affidavit to fill out. Prior to mailing it back, I called National Credit Systems to ensure there wasn't any additional information I would need to send along with it, the manager stated no, just the affidavit. To be sure, I sent a copy of the police report and my drivers license along with the notarized affidavit in the month of XXXX by certified mail which they validated they received XX/XX/2021 and that the fraud process would take 30 days, they were waiting on the rental community to verify the validity of the debt. I called again in the beginning of XXXX and they stated they were still in the process of validation. I called again in mid XXXX and they stated their investigation was complete and that they needed more information ( they made no attempt, written nor telephonic to request more information from me ), upon asking to speak with the fraud department they told me that I was unable to speak with them, they do not have a phone number/direct line to the department. Within the same call as I proceeded to get frustrated, the manager stated that the debt was verified to be mine and has been sent to their sister company ( Law Firm : XXXX XXXX ) and I needed to contact them for further information, there was nothing they ( National Credit Systems ) could do. Upon contacting XXXX XXXX, they stated that I needed to contact National Credit Systems regarding the fraud-related portion of the debt and I also needed to send them everything that I have already sent National Credit Systems for them to review. The companies have continued to place the file on my credit for debt collection, latest dates being XX/XX/2021 and XX/XX/2021.The companies have not completed their full due diligence to verify the validity of the debt nor have they provided me with supporting evidence of the results of their " investigation ''. Due to this, my credit score has lowered and I am unable to move out of my current residence due to the eviction still being reported on my credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 I t also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX, this is the only name I am known by and the ONLY correct spelling of my name. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations should be deleted immediately. 

My address is XXXX XXXX XXXX XXXX, GA XXXX there should be no other address listed on my report it is not mine and it is causing me to be denied credit and receiving my mail in a timely fashion. 

XXXX is reporting these inaccurate addresses. 

XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX I have previously disputed this information and it is still not removed from my consumer report. Neither company has my permission to damage my consumer report. My ID and SSC are attached to this dispute. I have previously sent these same documents with proof of my residency and neither company complied with federal law under the FCRA. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

I have a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Product: Checking or savings account

On XX/XX/2024, I got email from bank asking if I transferred XXXX from my checking account, I said no.someone put my name on there account out in XXXX  and transferred XXXX from mine to there's, now went to bank closed out my account checking, to open new, kept calling because they said I would get it back, kept calling they give me the run around, and today they said not possible. So here I sit.
Product: Credit reporting, credit repair services, or other personal consumer reports

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXXXXXX  without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXX I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX  I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had service with equifax and was paying {$4.00} a month till XX/XX/XXXX, due to credit card reported missing my service was disconnected so I called yesterday to restore It I was told I need to update my credit card so I did but I was told there is an error and we can not charge the update credit card I gave the another card and same thing happened I gave different card the result was same upon checking with my credit cards XXXX was charged twice, provident once and XXXX once I told the agent I have been charged 4 times and she been telling none why dont you check with your supervisor or somebody knows about the issue because this is unethical and fraudulent you should stop and refund all charges until you fix the issues she said no I told I have all charges you better do but she never did
Product: Credit card or prepaid card

This started a few weeks ago ... .. I started noticing that when I made purchases with my American Express Serve card they were adding some type of additional fee charge while on hold. It happened at the grocery store last week and it was almost {$30.00} over the purchased amount. It also happened at XXXX and making a payment on XXXX. Then Ive been using it the last few days with XXXX and noticed the same thing was happening. I just did some figuring and it looks like they are adding 15 % to the purchase amount while the transaction sits on hold for 2 to 5 days. I have had this card active since 2014. I have also had my payroll direct deposited onto this card for the past 4 years. I have tried calling for assistance but no one answers and I have read stories online that they will now lock your account if you complain. 

I noticed that others were complaining about these hefty hold charges on other review websites. Why are they are allowed to do this? I feel this is a criminal action and I will be going over to the ATM today and withdrawing my funds out and closing this account. American Express apparently sold the rights to Serve card to another company a few years ago ... .. XXXX . I dont understand how these big companies are allowed to misuse customer money like this. Im working limited hours during this pandemic and every dollar counts right now. If they are doing this to me ... .. then they are doing it to millions of others who use this card and making a lot of money in interest on these funds.
Product: Mortgage

Had property taxes wrong. The property insurance has been a issue for 5 Months.. Company put lender insurance on the property, I now have XXXX policies. I had to place place a new insurance policy in 2021 because the firm had let original policy lapse. .The lender insurance policy purchased did not cover the property replacement value and non coverage for personal property. I have tried to make contact through the VA, XXXX XXXX XXXXt, the servicer ( XXXX ) more than 10 times and no response. No body home. Help!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. 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. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX
Product: Mortgage

Dear CFPB, I am writing to you because its a nightmare dealing with Fay Servicing XXXX  representatives from the Loss Mitigation Dept.  At the beginning of this year i applied for a loan modification which it took 3 months for someone to return my call, i finally i was able to speak to a representative by the name of XXXX XXXX phone # XXXX XXXX who told me that my application was lost by and i needed to re submit all my documents all over again. 
Which i did i faxed and mailed all my documents lettting them i needed help since my mortgage its adjustable and my payment had increased substantially and we weren't able to afford it. 

The pandemic came and hit us very hard with our financials, as well as our health. XXXX XXXX finally confirmed that she received my documents and to wait a few months for a decision. 

Now after so many months under review, Fay Servicing and XXXX XXXX who is the representative assigned finally answered my messages and told me that because of my Bankruptcy that i filed before the investor of the loan feel that i didn't deserved to keep my home. 

I was shocked and concerned since this is clearly discrimination, i requested for her manager and since almost 1 month ago XXXX XXXX refuses to have her manager return my call. 

Now every time that i call they keep telling me i need authorization in writing my self to speak to my self. which it doesn't make any sense since im the one on the loan. 

Every time i called its a different story and when i request for a manager they hang up on me. 

i don't know what to do to stop this discrimination against me and my family. i do appreciate some help with this matter. thank you.
Product: Debt collection

To whom this may concern. i received a letter from Trinity Financial Services to let me know that they had taken over my loan from XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. Trinity said that they would be sending me my billing statement a new account number along with current loan balance and next payment due. The date on this letter was XX/XX/XXXX. The letter stated that I owed {$49000.00}. The monthly interest rate is 0.06000 and the next due is XX/XX/XXXX. This is not true and I have never heard of Trinity Financial Services before. I tried to contact this company and it kept going into a voice mail that did not sound right. I was then contacted by an attorney named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This letter came from XXXX XXXX 6 days after I received the letter from Trinity Financial stating that i must bring my loan current within 30 days from the date of this letter or they will start foreclosure. I was not sure if this was a scam. I went to the bank where my loan was taken over by XXXX because my original loan was with XXXX XXXX XXXX in XXXX and they closed so XXXX had the information. XXXX said the second mortgage was charged off and they had no records of what the amount, payments or interest rate was. XXXX did tell me that this is a non performing loan. I felt very threatened by this company and there attorney. I received a foreclosure notice with the courts that they filed against me. I am XXXX and can not afford an attorney so i answered the attorney and Trinity Financial and the courts within 28 days and I ask for the original paperwork from my loan.I sent this on XX/XX/XXXX and I have not heard back from them. I have looked them up on the internet and it looks like they have had multiple violations with different states. I am not sure if what they are trying to do is legal or if they have a license to take over my loan in ohio.They don't have the correct information on my loan.I feel like this is a total scam and I don't know what to do about it. The letter that I received from there attorney was very threatening.I don't want to lose my house. I am current on the first mortgage and taxes and insurance.I don't know how legal this is or how legal this company is but it looks like they are fined alot of money from trying to do business in different states illegally. Please take a look at my case and help me. 
My name is XXXX XXXX XXXX. XXXX XXXX XXXX, Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, Oh XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Mortgage

Wells Fargo is still XXXX with me. They just increased the principal balance on one of the mortgages today, XXXX In addition to that and as a result of all of their XXXX, my credit score decreased today as well. They really are trying to kill me. Just let them do it. XXXX. Take my insurance policies, pay my kids and then track them and harass them and steal the insurance money and let them raise themselves and go homeless. Good job XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I verified with the courts that they do not verify my bankruptcy with the credit bureau. I sent a certified letter to the credit bureau requesting that it be removed and they have refused to remove it. I provided documentation from the courts stating they do not verify with anyone. This is a violation of FCRA and is hurting me from obtaining loans or renting an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$440.00} I would like XXXX & Experian to conduct a fair legal investigation and once the investigation is complete remove the account. Please note XXXX has already legally deleted this account from my report..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP