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

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX {$7100.00} XXXX. XXXX XXXX- XXXX {$150.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Checking or savings account

There are XXXX transactions for a total of {$3800.00} of fraud on my account from car companies someone used over the last 2 months. Wells Fargo has yet to provide a temporary credit as that is my money for a downpayment
Product: Mortgage

Greetings, I recently refinanced my home ( closed in XXXX of XXXX ). My previous mortgage company claims they made a tax payment at the end of XXXX. The closing company for my new mortgage company actually made the payment ( see attached files from the county with XXXX XXXX referenced as the company that paid the taxes ). I wrote AmeriHome, my previous mortgage company, with a written complaint. It arrived at their offices on XX/XX/XXXX and I still have not received any written correspondence as of XX/XX/XXXX even though their website claims they will respond confirming the receipt of my complaint and address it. 

I have included the county tax records here showing that AmeriHome did not make the payment they claim they did. 

Thank you for your assistance, ( XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to correct everything on my credit report. This single negative items is not mine, it is inaccurate and should not be on my report. Please, I am trying to straighten everything out for me so I can get approved for a house this year and start fresh.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX and XX/XX/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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX XX/XX/2022 it's not possible. 

XXXX. I have included proof of Social Security paperwork in attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Equifax disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX address is repeatedly reported as my current address, my XXXX XXXXXXXX is repeatedly reported as my " current '' & " prior '' address. The XXXX is my current address! They can't seem to understand what's accurate & what's not! 
XXXX. XXXX- they keep putting this on my credit report as " current employer ''. I don't work for this company! They are my auto lien holder only! I haven't applied for any credit that lists this as my " current '' employer! 
XXXX. XXXX XXXX XXXX XXXX XXXX - shows a balance owed when it was paid in full. 
XXXX. XXXX XXXX # XXXX - continues to show on my current credit report run XX/XX/22 that I " disputed '' this when I NEVER DID! I sent the notice of forebearance to update the acct. which went unacknowledged but still is reporting inaccurately as a " dispute '' by me numerous times.
Product: Credit card

XX/XX/XXXX Citibank lowered my credit from {$11000.00} to {$3000.00}. Stating, XXXX reported I was delinquent on an account. Citi now reporting my credit score is no XXXX. XX/XX/XXXX, I provided documents to XXXX clarifying the delinquency. XX/XX/XXXX XXXX raised my credit score right back to XXXX. From XX/XX/XXXX to date, I have contacted CITI bank and asked them to correct my credit score and give me back my higher limit. XX/XX/XXXX with Citibank a supervisor ( won't give me their name ) place my COMPLANT about my credit score. XX/XX/XXXX I faxed a company of the XXXX XXXX XXXX and report showing it was XXXX. XX/XX/XXXX XXXX a letter declined. Called Citi XX/XX/XXXX and again told them the credit score is wrong. Then again on XX/XX/XXXX, XX/XX/XXXX i placed complaints Citi is reporting the wrong credit score. Citi would tell me they would check with XXXX and other agents would tell me theres nothing they can do. XXXX I called XXXX and they validated the scores of XXXX, then XXXX have been sent to the credit card and validated that Citi has NOT pulled any credit on my in 8 months. So they lied!! 
Attached is XXXX imagens from right from XXXX. Notices the scores, and dates. Also the bottom right shows todays date. More importantly, the second XXXX score states, up XXXX point from the previous months score. Proving that back in XXXX my score was XXXX which Citi shows it wasnt. They are not reporting my credit correctly
Product: Debt collection

Receive a letter from Convergent Outsourcing CLAIMING I owed {$590.00} to XXXX Account # XXXX from XX/XX/2021 with their reference # of : XXXX. 

I've NEVER had any account with XXXX and in fact they do not service this area as we have XXXX which is paid in full automatically every month via a direct withdrawal from our checking account. [ Lived here over 40 years ] Checked on the web and saw numerous claims regarding this scam company and even reports of lowered credit ratings after contacting them { which is why I am turning to you and not them }. 

In my XXXX years on this planet I've never not paid my bills when they were due and such people attempting top say otherwise makes my blood boil.
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 Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

Carrington Mortgage had threatened foreclosure. XXXX XXXX XXXX  was hired and XXXX XXXX Bankruptcy was filed. I was advised by my lawyer at XXXX XXXX XXXX to avoid foreclosure and work with loss mitigation sign a Deed in Lieu of Foreclosure. 
Carrington Mortgage loss mitigation was contacted, Deed in Lieu documents were provided, completed and sent via XXXX  back to Carrington in the beginning of XX/XX/2020. 
Recently when we were trying to buy a home, we discovered the lawyers for Carrington 'sold our home as a foreclosure ' even though the Deed in Lieu was signed. 
Not only does our credit show a foreclosure, but with the foreclosure, the second mortgage was not paid off. The Deed in Lieu would have cleared the 2nd mortgage as the mortgage insurance would have cleared any and all liens on the property. 
I have made multiple attempts with Carrington to alleviate this situation to no avail. 
We are unable to purchase a home and are having an extremely difficult time even trying to find a place to rent. Our lease expires in one month and we will be XXXX  at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I found out that 2 of my accounts where marked 90 days late, this is from my department of education loans : DEPT OF ED account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPT OF ED student loan account status changed from " Current '' to " 90 Days Late ''. 
DEPTEDXXXX account has become 90 Days Late Between XX/XX/XXXX and XX/XX/XXXX, your DEPTEDXXXX student loan account status changed from " Current '' to " 90 Days Late ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX CONSUMER DISPUTE, I am writing to address an error on my credit report regarding the charge-off amount associated with my account. The amount reported to the credit bureaus is {$1600.00}, while I believe the correct amount is {$1600.00}. 
This discrepancy has negatively impacted my credit report, and I would like to request your assistance in correcting this error. Here are the details : Account Number : XXXX XXXX CONSUMER DISPUTE Reported Amount : {$1600.00} Correct Amount : {$1600.00} XXXX kindly ask that you review your records and confirm the correct charge-off amount. If the amount on my credit report is indeed incorrect, I would appreciate your prompt action to update this information with the credit bureaus. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I want at a minimum a partial refund of {$1600.00}. I was back-charged an additional $ 700+ for services that I had already paid for, and was forced to pay a further $ 900+ 17 days ' worth of services I never received. I only should have been billed for services from XX/XX/XXXX to XX/XX/XXXX, but because I was leaving their services, the merchant forced me to pay more for the services I received in XXXX, despite finishing paying that invoice, just because they didn't like the fact I was leaving! And they made me pay for services from XX/XX/XXXX to XX/XX/XXXX, which I never received! Just because they made the services available, didn't mean I wanted them! I wanted to leave their services to sell my computer equipment while it was still valuable, not be locked into paying for their services, especially since I had no contract! They threatened to sell my property if I didn't pay. This is extortion. This merchant is a scam! I want my money back. 

I do not agree with the previous closure of this case. Dear Chase, PLEASE REVIEW MY DOCUMENTS. I make clear how the merchant used shady accounting practices and the threat of extortion to take my money. I will be taking this to court if I do not receive my partial refund. 

The XXXX dispute " decision '' was under review when I asked for Chase to initially step in. Please do not just look at that and decide the case is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Student loan

I have a loan that I cosigned for my younger brother. He was having payments taken out automatically on the XX/XX/XXXX of the month, and Navient stopped taking them out without warning in XX/XX/2018. When we were told he was behind on payments, my brother called in XX/XX/XXXX to have payments started again, which was supposed to occur on XX/XX/XXXX. Meanwhile, Navient reported ME to credit agencies, dropping my credit score from XXXX to XXXX when it was their mistake. It is the XX/XX/XXXX, and payment has not been processed for my brother 's loan at this time.
Product: Credit reporting or other personal consumer reports

I'm frustrated by the lack of change despite my repeated attempts to dispute this issue. It seems to me that your company doesn't prioritize consumer concerns. This situation has not only harmed me but has also significantly limited my opportunities and closed many doors. I hope you can understand the helplessness I feel knowing that these issues are affecting my credit report without proper verification or accuracy.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Equifax reports limited credit experiance on reporting due to which i am not able to get the requred loans for my personal and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate accounts, inaccurate original open date.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Support Team, I am writing to address a concern regarding my recent dispute investigation. I noticed that my dispute investigation for the XXXX XXXX account has been marked as canceled, which I did not request. 

I would like to formally request that the XXXX XXXX account be purged from my credit report, as it is not my account. This account has been causing inaccuracies in my credit data, and I need it removed as soon as possible. 

Additionally, I have communicated with XXXX XXXX on several occasions, requesting that this data be removed from my record, as they do not have my signature on file. I can provide copies of these communications if needed. 

Please rectify this issue at your earliest convenience and confirm that the account has been removed from my record. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Product: Checking or savings account

I was charged overdraft fees on the same charges from the same company as a result my account was closed and charged off. 

I opened my account years ago and was still being held under a restricted account code even after being told it would only last a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous conversations with  XXXX  regarding my account #   XXXX   XXXX   XXXX   XXXX   - Which was  an  old  XXXX  account that was  converted in to  XXXX  through  XXXX .  <P/> They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for   XXXX   XXXX    . I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to  XXXX  and they have agreed to remove the derogatory reporting, yet as of  XX/XX/2017    they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the  XXXX  phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of  XXXX  and need written confirmation before then that this late payment has been deleted from my credit history once and for all.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts listed on my credit report, and Im unsure why. I routinely check my credit report, but this time unexpected discrepancies appeared. I refreshed my browser thinking it might be a glitch, but the errors remained. Due to this, I request a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I purchased a XXXX XXXX  from XXXX XXXX in XXXX, CA. I had secured financing via my bank XXXX XXXX XXXX XXXX. Even though we had agreed on the price of the care before I arrived, the dealership said they would not honor it unless I used their financing. Instead of using my bank loan, they secured me a loan with XXXX at the same rate. At that time, I signed up for automatic payments. In XXXX, I received a notification that I had a 30-day late payment recorded on my credit history from XXXX. I received no statement or calls. I promptly paid the bill and re-enrolled in automatic payments. I submitted a dispute through Experian as though it would be a simple matter to clarify what happened. XXXX denied the disagreement. 

On XX/XX/2019, I called XXXX XXXX, expecting them to resolve the issue. Instead, the XXXX representative asserted their dealer 's behavior was not their responsibility. They also stated the sending me a paper statement was a courtesy. They said they called me, and I have no messages or records of their calls. They informed me that the number would be XXXX. I checked my XXXX bills for XXXX, and this number does not appear. I use XXXX XXXX, so I am 100 % sure they did not leave a message. I am also 100 % sure they did not e-mail me as they started sending me reminders after my first payment. 

In summary, the dealer would not honor their price unless I used their financing and then lost or did not accept my autopay enrollment. XXXX did not send me a mail, e-mail, call or leave a voice mail to alert me that the payment was past due. Upon notification of the issue, XXXX refused to acknowledge their mistake. 

The result of there erroneous filing is my credit dropped 86 points, and I am having trouble getting a mortgage loan. I have not had a late payment report in my entire over 25 years of credit history. My mortgage broker says I am not longer eligible for the loan we had planned to get based on my credit score and will need to get a VA loan because of lower credit requirements. This mistake will cost me tens of thousands of dollars extra if I can get the loan. 

Respectfully
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  XX/XX/year> Please block this information from my credit report within XXXXour business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.