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

WHY DID ONE ACCOUNT OF XXXX XXXX XXXX COME OFF OF MY REPORT? YET THE OTHER STAYED ON THERE. PLEASE REMOVE THE NEGATIVE CLOSED OFF ACCOUNTS FOR XXXX XXXX XXXX AS FOR IT IS REALLY AFFECTING THE STATE OF MY CREDIT HEALTH. THESE ACCOUNT S WERE OPENED ON XX/XX/XXXX AND XX/XX/XXXX. WITH BALANCES OF XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenty website and account access still down. It has been over 2 months since they claim they are in the midst of a system update and I literally can not make a payment. There are hundreds of people complaining on Comenity XXXX XXXX page. 

Comenity is reporting me now as 2 missed payments when it is their fault that we can't make payments and my XXXX score has gone from good to poor. 

This is making it impossible for me to lease space for my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Early Warning Services, a consumer reporting agency as defined by FCRA, and they refused to allow or enter a FREEZE on my files and/or reports falsely saying they are exempt. They are not exempt. 
I have entered a dispute as they are reporting FALSE information and refuse to not allow such to be reported until such time as it is fully verified. 

A consumer is permitted under the law to request a security freeze. A security freeze protects consumers from abuse or identity thefts.
Product: Mortgage

Our home went into foreclosure and my home was sold today and wanted to report the illegal activity from the bank.
Product: Mortgage

Hello I have been working with the company Loancare who currently is servicing my mortgage for about {$210000.00}. The property is about 11 acres and over the last few years I subdivided the property from one parcel to 5 parcels. After I subdivided the property I put 4 of the lots for sale. I had one buyer that wanted to buy one of the lots on the property. I started the process with my real estate agent, title company to provide all the information that Loancare needed in order to process my request. It has now been about 4 months since we started the process and I have submitted all the paper work that was required and paid over {$1000.00} for an appraisal of the property. I have called over 20 times and sent countless email to Loancare and no one there can tell me where my request is at. When I ask to speak to a supervisors I get put on hold and then get hung up on. Their customers services is absolutely horrible and they are not address my request. I have always paid my mortgage on time. I would like to get some resolution around my request and have someone handle my case and acutally be able to speak to someone that knows my issues and can provide actual customer service. I have never dealt with any servicing company that is as bad as Loancare about even answering phone calls and emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( 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 ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I paid a vendor {$380.00} to help get my book keeping for my business up to date and file proper paperwork. The paperwork was never filed and the person ran off with my money. I reached out to Cashapp, provided proof of conversation and receipts. Cashapp never acknowledged my evidence and denied my dispute. 
This caused overdrafts in my bank accounts for filing fees that were supposed to be taken care of. I was forced to pay my a total of {$1800.00} for proper filing and a late fee of {$150.00}. I gave two children that could have used that money and just gone like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have at least four ( 4 ) hard inquiries on all three credit report agencies ( XXXX, XXXX, and Equifax ) as well as closed accounts that have since been satisfied in full via two collection agencies ( XXXX XXXX   and XXXX XXXX ). I've contacted all three agencies directly, as well as through XXXX XXXX and the erroneous information has not been removed.

I've worked really hard this past year to clean up my credit, I need to move XX/XX/2019 after my apartment lease is up yet these hard inquiries and closed account as previously mentioned, are either old or attempts to obtain credit in my name without my knowledge and consent. Any action you can take to aid in the removal of the negative information on my credit reports would be invaluable. 

Many thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to formally address multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws regarding my credit report. Heres what happened : You have failed in your duty to ensure the accuracy and integrity of my credit information, and I demand immediate resolution. 

Here Are the Issues Willful Noncompliance ( FCRA Section 616 ) : You accepted and reported inaccurate credit information about me without verifying its accuracy firsthand, which is a direct violation of my rights.

Failure to Inform Me of My Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to disclose my right to opt out of sharing personal information, which is deceptive and unlawful.

Deceptive and Inaccurate Reporting ( FCRA Section 623 ( a ) ( 3 ) ) : You reported inaccurate payment histories and furnished incorrect account information without proper validation.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : My credit report includes several unauthorized hard inquiries, made without my written consent.

Debt Collection Violations : Debt collectors associated with your agency engaged in unfair and harassing practices by reporting debts I do not owe and contacting third parties about my supposed debts, violating federal regulations.

Inaccurate Late Payment Reporting : You reported late payments without defining what constitutes late payment, making the reporting deceptive and harmful.

Improper Finance Charge Calculations : You failed to calculate finance charges accurately, further contributing to the errors on my credit report.

My Demands Correct My Personal Information : Remove inaccuracies associated with addresses that do not belong to me.

Correct My Payment Histories : Update my accounts to reflect accurate payment statuses, including but not limited to : WORLD FIN : Report as Paid as Agreed/Never Late.

Validate and Remove Inaccurate Accounts : For accounts like XXXX, XXXX  XXXX XXXX, and others, provide validation under 15 USC 1692g. If validation is not possible, these accounts must be deleted immediately. 
Delete Unauthorized Hard Inquiries : Remove all unauthorized inquiries from entities such as XXXX  XXXX, DEPT OF ED, and XXXX. 
My Expectations I expect a prompt and thorough resolution of these issues. If these violations are not corrected, I will have no choice but to pursue all legal remedies available to me under the FCRA, including damages for willful noncompliance. 

This situation has caused me undue stress and harm, and I insist that you address it immediately. Failure to comply will leave me no choice but to hold your agency fully accountable. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as the documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not mine as this is a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

It still on my credit report I been trying to get removed it been hard to start over because of identity Was stolen been try to file my taxes and get a new place
Product: Student loan

My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.
Product: Credit card

Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.
Product: Mortgage

I applied for a FHA mortgage from Guild Mortgage for a manufactured home because the other company that approved me for a loan would not give loan for manufactured home. My realtor told me I could get a loan for manufactured home through Guild. I applied, sent all paperwork they requested. They then asked why my XXXX  payments did not show on my checking account. I told them I had a representative payee and my XXXX  payments go to our account with both our names on it and she transfers money to my account as needed after all bills are paid. They wanted the paperwork stating that I had a representative payee. I sent that. They already had my last 2 yrs taxes, benefit statements. They then said that the XXXX   benefits was my representatives income and not mine. I told them they were wrong. Sent them the social security act that states what a representative payee is and how it works and that the income was mine. They said they would send it to an underwriter and get back to me. I informed them they were wrong and that I would seek representation because I felt they were discriminatory towards me because of my XXXX and that my income was XXXX payments. That upset them and sent my complaint higher up the chain. I was sent an email stating they would look into the matter and get back to me within 30 days. Well, the house I want might be gone in thirty days. This process has already gone on for 2 weeks. Now I am Afraid to contact other lenders because this might happen again and I don't want my credit to keep getting checked cause that messes with score. I also will not find another house any time soon that fits our requirements and for an outstanding price I can afford.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Experian and XXXX, I am writing to dispute and request the removal of an account that has appeared on my credit report, which was reported by XXXX XXXX. After thorough investigation, I have determined that I neither opened nor possess any account with XXXX XXXX. 

The presence of this account on my credit report is not only inaccurate but also constitutes a violation of my rights. Despite my repeated attempts to resolve this matter with XXXX XXXX, they have failed to provide me with any contractual agreement or substantiating evidence to validate the existence of this account. 

I am formally requesting that Experian and XXXX remove this fraudulent account from my credit report immediately. It is imperative that my credit history accurately reflects my financial standing, and the inclusion of erroneous information by XXXX XXXX is unacceptable. 

I kindly urge Experian and XXXX to conduct a thorough investigation into this matter and take prompt action to rectify the inaccuracies in my credit report. Your assistance in resolving this issue promptly would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]
Product: Credit reporting or other personal consumer reports

I requested that this company remove this from my credit file because I did not open this account and it has yet to be removed
Product: Credit reporting or other personal consumer reports

Im reaching out to formally address a concerning issue regarding my recent credit card application with XXXX XXXX. It appears that multiple hard inquiries were made on my credit report for a single application, causing unnecessary and detrimental impacts on my credit score. I am respectfully requesting that these extra inquiries be removed immediately from my credit report. 

On XX/XX/year>, I submitted a single credit card application with XXXX XXXX, reference number XXXX. Since then, I have noticed that my credit report reflects several inquiries associated with this one application. These repeated inquiries have resulted in a significant decrease in my credit scores, affecting my financial standing and potential future applications. 

Upon receiving a letter from XXXX XXXX  regarding my application on XX/XX/year>, I promptly contacted your customer service department to address this issue. I have since spent considerable time speaking with multiple representatives from XXXX XXXX, attempting to clarify why this error occurred. Unfortunately, no one has been able to offer a satisfactory explanation for the multiple inquiries. Instead, I have received apologies without any concrete answers or resolutions, which does not mitigate the negative impact on my credit score. 

To ensure the application could be processed, I followed XXXX XXXX  recommended steps. This included removing my security freezes from all major credit reporting agencies, including XXXX, Equifax, XXXX, XXXX, and XXXX. After doing so, I contacted XXXX XXXX  to inform them that my reports were unfrozen. Despite this, I was told repeatedly that my application could not be processed due to security freezes that, in fact, were no longer in place. Moreover, I have yet to receive a formal response regarding the status of my application, be it approval, denial, or any legitimate reason for the delay. 

Due to the financial impact caused by these multiple inquiries, I am formally requesting that XXXX XXXX  remove all the inquiries from my credit reports. Additionally, I ask that XXXX XXXX provide me with written confirmation of the removal of these inquiries, which can be mailed to me at the address provided above. 

Thank you for your attention to this matter. I trust that XXXX XXXX  will take swift action to correct this issue, which will help to restore my credit standing and maintain my trust as a valued applicant. I look forward to receiving confirmation of the removal of these inquiries at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
1.XXXX  XXXX  XX/XX/XXXX 2.XXXX  XXXX  XXXX  XX/XX/XXXX 3.XXXX  XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC.1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -, XXXX XXXX XXXX -- --. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 with antedates the report by more than seven years.15U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. THIS ACCOUNT WAS NEVER MINE. I NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE PAYMENTS ALSO CAME FROM A FRAUDULENT ACCOUNT THAT AGAIN WAS OPENED FRAUDULENTLY. I DON'T KNOW WHO THIS PERSON IS, BUT I NEED THIS ACCOUNT TO BE REMOVED. I HAVE CONTACTED THE BUREAUS AND THE CREDITOR, I HAVE GONE TO THE FTC BUT NOW I HAVE NO CHOICE TO GO TO SMALL CLAIMS COURT, BECAUSE THIS IS NOT MY ACCOUNT, IT WAS NEVER PAID BY ME, IT WAS NEVER OPENED BY ME.
Product: Debt collection

I do not owe security credit collection any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
Product: Debt collection

In XX/XX/XXXX, your company placed a collection account on my credit report without providing me with any prior notification that I owed this debt. Additionally, I was unaware that a small balance of {$190.00} was allegedly owed to XXXX XXXX XXXX. In XX/XX/XXXX, I started the process of trying to finance my first new home. On XX/XX/XXXX, my mortgage lender obtained my credit report and requested a letter of explanation on any negative reported on my credit report as per the requirement of obtaining a VA mortgage. I was provided with a small list of accounts that required attention, and this was the first time I had any knowledge of a debt owed to you. On XX/XX/XXXX, I had mailed the enclosed settlement offer letter to attempt to pay the balance off in full to your company in exchange for a courtesy removal of the account, even though I had no knowledge of this debt being owed. This also included a debt validation request in the event you wouldnt honor my offer. The debt validation portion came directly from the CFPB website and shouldve been subsequently treated as a dispute. This wouldve allowed you 30 days from receipt to provide me with all the requested information which I am entitled to. This was sent certified and was received by you on XX/XX/XXXX, signed by A KNG. Two days later, I started receiving phone calls from Conserve, so naturally, I had assumed your communications were being made to address my offer letter. It was not. I had informed the rep that I had submitted an offer letter which also included a debt validation portion should ConServe choose to not honor my offer and had asked her to please respond to my mailed requests. At this point, any collection attempts shouldve been stopped so that a proper investigation could be completed. That didnt happen. The rep proceeded to state that no letter was received and accused me of lying to the credit bureaus ( or that theyd be lying to the credit bureaus by responding to my letter ). I wasnt quite sure what was meant by that, so I kindly ended the call requesting that a rep responds to my letter On XX/XX/XXXX, a remark was noted on this account since the bureaus had been informed by ConServe that I was requesting a validation of debt. The remark reads, Account information disputed by consumer, meets FCRA requirements. As of today, the only information that I've received was legally should've been an initial debt notification notice. This should've been provided with prior to this account being placed on my credit report. There were no additional items provided, none of the my questions were addressed, and my credit shows no update/removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX  XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Credit card account charged off. Charge-off amount {$620.00}. Credit card company failed to provide Form 1099-C.
Product: Debt collection

I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.