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

I received your response that you need my updated email address which is XXXX I sent a complaint on XX/XX/XXXX, to remove the items XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; I am including it again.
Product: Payday loan, title loan, or personal loan

Company : C/C Financial Corp. Merchants Preferred Lease-Purchase Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX This company charges 100 % interest!
Product: Debt collection

I was notified by mail on XX/XX/2019 that an apartment complex had turned over a debt they claimed I owed to a collection agency ( National Credit Systems Inc, XXXX GA ). I  sent a letter ( per the Federal Fair Debt Collection Practices Act ) to the collection agency on XX/XX/2019 disputing the debt and asking for more information because I do NOT owe the apartment complex any money. I do not know why they sent me to a collection agency. I asked for more information and never received it from the collection agency. I called the collection agency on XX/XX/XXXX and they stated they were doing an investigation. 
I have not received any communication from the collection agency in writing since I have asked for proof of the debt. However, the collection agency has reported this on my credit report and I was given a higher rate on auto insurance because of the " so-called '' collection item on my report. 
After that happened I decided to learn how to report this unscrupulous agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Mortgage

My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out my letter, I told the credit bureaus to " investigate every piece of information '' on the accounts listed below, I even went as far as pointing out factual discrepancies on my report. Also I have attached the letter I sent them here is the Tracking # for Equifax : XXXX When looking into what the FCRA considers to " investigate consumer report '' it shows the credit bureaus did absolutely nothing following the FCRA. " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I stated the inaccuracies directly from my report Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants Credit Association again closed my complaint Case # XXXX/ XXXX without resolving it. I have talked to them many times earlier and they are not willing to help. I had uploaded documents which clearly shows that I received a bill from Merchants Credit Association stating there is a due of {$200.00} on account XXXX and I have made payment of {$200.00} to Merchants Credit Association already. This is false reporting by Merchants Credit Association. I have never request to apply that amount to any other account. My payment of {$200.00} should be applied to account # XXXX. They are still charging me interest on the paid account number XXXX which is inappropriate. I am attaching documents again which show due amount on account number XXXX and my payment amount. This should make it clear.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : 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  and this is my tracking XXXX XXXX XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to XXXX USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

I had settled a debt for a XXXX account through XXXX XXXX XXXX, I finished paying the settlement in 2019. Now the company decided to send me to a different collection agency for the remaining balance 2 years later. I tried to depute it multiple times with the new agency called Enhanced Recovery Company with no success. My credit score went down because of it and I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Financial is reporting an account as a charged off account but that is inaccurate. I recently checked my credit file and noticed this was reporting erroneously. I was completely unaware about any lates on this account because I had always made a payment on time. Somehow, my payments clearly never registered on their system and it charged off without me knowing. I was never notified about this, and I continue to make payments on time and I've never been made aware about this. This debt is being paid in a timely manner and this should have never charged off. I am aware you are able to change the status on the account because you are the original furnisher and can report to the bureaus as you deem. However, it should report accurately. This is not a charge off, this installment loan is being paid off on time and that should reflect on my credit.
Product: Mortgage

A friend urged a borrower to call me because they wanted a second opinion on a loan process. ( I am an XXXX in XXXX and XXXX ). When the borrower explained her story, I told her the transaction was illegal, and I specifically told her why. 
XXXX XXXX of Movement Mortgage in XXXX is her LO in question. The borrower is purchasing a home with her step dad as a co-borrower. During the application process, the borrower explained she will be renting out rooms in the new home. After she gave me all of her income and application information, I explained she qualified for FHA, but not Conventional. Then she remembered, and said, the MLO, XXXX XXXX said if her step dad and Mom could produce a lease to rent out their home ( within the same city ) that the rent could be used to help them qualify for the Conventional loan. ( Yes, could, if following guidelines ). However, he sent the borrower a lease contract and told her to find someone to sign it. I informed the borrower that a mortgage loan must be honest and that by filing fraudulent information and documents could be mortgage fraud. Not only for her, but her parents, the people who offer to sign that lease contract, the MLO, and possibly the Realtor. I told her I could help her with the loan in the honest way, but only with FHA. When I spoke with her again, I further told her that the conventional loan and renting criteria should have the homes over XXXX miles away, but if there truly were circumstances, and truly the parents were moving in, then she may be able to get that approved with him, but again, told her she is going to need to document the truth. But to pretend, to file, and to move forward in a fraudulent manner could get her in big trouble. She said she spoke with XXXX XXXX about this, and still felt he could do something to make it OK. She said he and the Realtor were now going to give her a gift card also to work with them together ( Sounds like the Realtor and him should share a prison cell ... At least the gift card is legal. ) I was previously a XXXX XXXX and I have never seen more corruption than in this industry. Perhaps I should be a mortgage cop! I do n't mind not being chosen for loans that will get everyone in jail, but I am truly tired of seeing it happen. This is not the first time Movement Mortgage has hit my infraction radar, just decided it is time to start reporting people to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/PHEAA has reported to the credit bureaus that I was delinquent on one of my student loans from 60/90/120 days, however, my billing letters note ( that they are able to view in my account ) that my account was in deferment. I have submitted disputes since last year and they have not resolved my issue. 

They asked me to student a credit dispute from and I did. They asked me to submit my credit report and I did. They provided me with the wrong dispute form and just advised me today that, that was the discrepancy because I kept telling them I sent them the form. 

We have been discussing this dispute since XX/XX/XXXX, and today was the most recent correspondence. They have caused emotional and financial stress because of there error. Credit Report notes I was late on loan from XX/XX/XXXX -XX/XX/XXXX ( 60/90/120days ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inaccurate, incomplete or unfair information from my credit reports to the credit bureaus and i have not received any response from them.
Product: Credit card

The Capital One charged yearly card fee of {$390.00} for Venture X credit card but didn't provide the service as advertised. It against false advertising laws.

The Priority Pass ( airport lounge membership ) should be included in the Venture x card. But when I paid the yearly fee and registered online, it said the card member is not available. The customer service said it will take XXXX weeks to be able to register. But XXXX weeks later, it's still not working. When I called Capital One, they said the partner system has issue and no time frame when it can be fixed. 

I am traveling in XXXX weeks and will need to pay out of pocket for the service, which should be included in my yearly card fee.

Capital One Venture X is totally a scam!
Product: Debt collection

I was contacted by a process server for XXXX county stating I was being legally notified that I would be served papers. They told me to contact their office at XXXX-XXXX-XXXX  to discuss the matter to prevent proceedings. When I called I spoke with XXXX XXXX who said that Barclays Juniper Bank was processing a lawsuit against me for debt from 2008. He had my name, SSN, address, phone number and relative information. He told me that he was notifying me that they were mediating the case to prevent legal proceedings. The original voicemail had identified themselves as process servers but he told me that they are not process servers, they are a debt consolidation and mediation firm called XXXX XXXX and directed me to a website XXXX. The website exists however there is no other information regarding this firm online anywhere. They also said that they would take payment for debt which I know process servers would not, but a debt collector would. They are falsely identifying themselves as process servers in order to trick consumers into paying off an old debt. The debt he was referring to was from 2008 from Barclays Juniper Bank. I have never received any written notification of this yet he had my correct address on file. He said he would have his supervisor contact me regarding my case.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called Experian, XXXX, and XXXX to dispute incorrect and inaccurate personal information in my credit file, causing serious risk to the security of my personal information/identity, including my credit report ( s ) being mailed to inaccurate addresses. 

With Experian and XXXX, I verbally confirmed my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted, with an updated copy of my credit reports mailed to my current address after corrections and/or deletions. 

With XXXX, I verbally confirmed all my personal information would be corrected, and inaccurate, incomplete, or unverifiable personal information would be deleted. I also verbally verified the time it would take for the updates, was provided confirmation numbers for each item ( i.e., name, address, phone number, employer ) and requested an updated copy of my credit report mailed to my current address after corrections and/or deletions. 

Attached are documents showing the only, and 100 % correct, personal information that should be on my credit reports, with notes of corrections and/or deletions from the verbal conversation written on each. 

On XX/XX/2022, I viewed my credit reports from Experian, XXXX, and XXXX online, and my personal information section still contains inaccurate, incomplete, and outdated personal information, putting the security of my personal information/identity at severe risk.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Relations Department XX/XX/XXXX Subject : Request to Correct Mistakes on My Credit Report Dear TransUnion Team , I recently took a look at my credit report and spotted some errors that Id like your help fixing. These inaccuracies are affecting my credit, and Id really appreciate it if you could investigate and correct them. The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute wrong information, and Im hoping you can assist me with the items below.

Items Im Disputing : Incorrect Personal Information Former Name : XXXX, XXXX Why Its Wrong : This is a misspelling ; my legal name is XXXX XXXX. 
What I Want : Please update this to my correct name. 
Incorrect Personal Information Also Known As : XXXX, XXXX Why Its Wrong : This isnt an alias Ive used ; its an error. 
What I Want : Please remove this from my report. 
Incorrect Late Payment Account : XXXXXXXX XXXX  XXXX ( Account # XXXX ) Why Its Wrong : Ive always paid this account on time ; the late payment is a mistake. 
What I Want : Please update the payment status to show all payments as on-time. 
Incorrect Charge-Off Account : XXXXXXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Why Its Wrong : This charge-off is inaccurate and shouldnt be on my report. 
What I Want : Please remove this from my credit report. 
Incorrect Charge-Off Account : XXXX XXXX XXXX Account # XXXX ) Why Its Wrong : This charge-off doesnt belong on my report ; its incorrect. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXXXXXX XXXX  ( Account # XXXX ) Why Its Wrong : I was never late on this account ; this is an error. 
What I Want : Please update the payment status to reflect on-time payments. 
What Im Requesting Under FCRA Section 611 ( 15 U.S.C. 1681i ), I can ask you to investigate these issues. Heres what Id like : Please verify these items with the furnishers who reported them. 
Remove or correct the inaccurate details within 30 days, as the law requires.

Send me an updated credit report once its all sorted out ( FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

Itd be great if you could let me know : The name and address of each furnisher you contact. 
The date you reach out to them. 
How you get in touch ( phone, email, etc. ).

Why This Is Important These errors are making things harder for me financially, and Im really hoping to get them cleared up with your help. Thanks for taking the time to look into thisIm c
ounting on your support and looking forward to hearing back within the FCRAs 30-day timeframe. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency XXXX XXXX credit reporting agency , and you XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened. First my name is incorrect on report and listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on one of your reports is listed as XXXX when in fact its XXXX. The following are accounts that are fraudulent XXXX XXXX XXXX XXXX account number XXXX or account number XXXX opened on XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX loan opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX personal loan opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX Account number XXXX. 

XXXX XXXX opened XX/XX/XXXX account number XXXX. 

XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.