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

I have 4 close account and still show on my equifax Still open, I call all this creditor and they confirm me this account is close Dispute it on equifax and they remove and add this account at the same moment, try and tired to call equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX, XXXX, and XX/XX/2020 XXXX  XXXX XXXX reported that payment had not been received for a credit card account and that an outstanding balance remained. I had sold my home a few months earlier and had a high balance on this account for which I made a lump sum payment to XXXX  XXXX XXXX around XX/XX/2020. Upon making this payment over the phone I was under the impression the account was satisfied and paid in full, but unfortunately there was interest still remaining. I did not have a new place yet so therefore no new permanent address. Mail forwarding had ceased so I did not receive the final statement with the remaining balance of interest due. It was an oversight that was not realized until I received an email from Experian stating my credit score had decreased by over 100 points. It was then I realized the unpaid balance from XXXX  XXXX XXXX for which I contacted and paid immediately. Unfortunately, it was too late and the credit score had suffered drastically. From about XXXX to XXXX currently. I contacted XXXX XXXX XXXX, and at first they claimed they could do nothing, but a few months later second phone call proved worthy, as the agent assured me it would be handled. It was handled and a letter was sent to Experian and myself stating the inquiry be removed. After 90 days, there was still no change/adjustment to my report so I opened a dispute with Experian but still no change. Experian chose to disregard XXXX  XXXX XXXX 's letter. This was an honest oversight on my part and XXXX  XXXX XXXX saw it that way thus their letter " to remove the inquiry on XXXX XXXX. '' Unfortunately, Experian is refusing to remove this inquiry and the new credit score of XXXX is making it difficult for me to purchase another home. XXXX XXXX recently ran a routine credit check and because of the current score, increased all interest rates on my personal and business accounts. I hope the CFPB can help get my credit score back to the level I've worked my entire life to achieve. The 3 late payments are really weighing down on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXccount # 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
Product: Student loan

I obtained loans through XXXX being service through American Education Services, which I entered repayment in 2008. My original repayment agreement stated a repayment term of 10 years. Recently, I requested a foreberance for 1 month where I noticed that the term had been expanded to 155 months. Further, they have used the forbearance as an opportunity to reset my repayment term. I did not request this and it provides them with an extroordinary interest payment windfall. This needs to be looked into as none of it has been authorized nor has notice been provided in any loan documents during the disbursement process.
Product: Student loan

I have been overpaying my monthly amount by an extra XXXX per month. I was late on 1 payment and it was sent to debt collections. When I called the debt collections, I was informed that the lender, Firstmark took it back. However, the debt collections company already reported it and now it's showing on my credit.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

They have charged me a 639.87 % interest rate on borrowing {$950.00}.
Product: Credit card or prepaid card

Discover Business Card was used by a volunteer who was definitely terminated. My business partner disputed the fraudulent activity in its entirety. Discover refused to cooperate with me stating Fraudulent activity was not found. Discover advertises Zero Fraud Liabilitys on their accounts. This false and misleading information is fraudulent in itself and I find it to be criminal that discover does not uphold their word based upon contractual agreement. I spoke with a representative today by the name of XXXX who is going to do an investigation again and she said the 0 % fraud liability is only if Discover finds fraud in my favor. Since this is fraudulent Why are they not honoring the 0 % fraudulent Liability clause thats in the contract. She also notified me that because of the way the account was closed and why would our business pay for something we didnt do that she would not be re-issuing a Discover card after the investigation is complete.
Product: Credit card or prepaid card

I applied and received the XXXX XXXX XXXX Credit Card in XX/XX/2020. The XXXX XXXX pandemic hit, and all airline travel was suspended. I was unable to take advantage of the XXXX benefit that was heavily advertised as a major factor for this card and it's {$450.00} annual fee. I reached out to Chase Credit Card servcies at XXXX to request any compensation. My logic : I paid for a benefit that was not provided. Chase stated they were not authorized to refund or offer any compensation. I contacted XXXX XXXX to determine if there was any compensation for card holders impacted by the pandemic. I have paid {$900.00} so far and in XXXX the fee will increase to {$520.00}. I am reaching out to the CFPB to determine if there is recourse for compensation before I terminate this card.
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. ( XXXX XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, ) ( XXXX XXXX XXXX  ) (, XXXX XXXX  # XXXX ), ( XXXX XXXX  # XXXX, ) ( XXXX XXXX # XXXX, ) ( XXXX XXXX has violated my rights. 
XXXX5 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: 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** {$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

XXXX XXXX  and midland credit is reporting same account the original creditor was XXXX XXXX but and the sold the account to midland credit management and they are reporting it twice also its showing a balance of XXXX also XXXX ran my police record I have requested them to remove the addresses on there everything but the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I also asked them to remove the hard inquires because I didnt give written consent for them to run my credit which by law they need a hand written consent they also had removed XXXX XXXX  and put it back on there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep keep on my credit report that loan for a car its my step father car he is deceased.I have contact the company and gave the copy of deaths certificate and did serveal despute with Experian they gave me a message did its remove off my credit its not I have proof.
Product: Debt collection

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 Subject : Demand Letter for Removal of Fraudulent Collections Accounts Dear Sir/Madam, I hope this letter finds you well. I am writing to bring your immediate attention to the presence of two fraudulent collections accounts on my credit report, which were reported by your agency, Credit Collection Services. These accounts do not belong to me and were opened using my personal information without my knowledge or consent. 

I have already taken the necessary steps to address this fraudulent activity by filing a police report with the XXXX Police Department. I have attached the relevant police report for your reference and investigation into the matter. The police report clearly establishes the fraudulent nature of these accounts and confirms that I am a victim of identity theft. 

Therefore, I hereby demand that you take the following actions : 1. Immediate Removal : Remove the two fraudulent collections accounts from my credit report, listed as : a. CREDIT COLLECTION SERV for {$320.00} b. CREDIT COLLECTION SERV for {$1800.00} 2. Verification : Conduct a thorough investigation into these fraudulent accounts to verify their illegitimate nature. You must provide me with written documentation confirming the outcome of this investigation. 

3. Preventive Measures : Implement appropriate measures to prevent any further dissemination or reporting of these fraudulent accounts. This includes ensuring that no future attempts are made to collect on these accounts or report them to any credit reporting agency. 

4. Communication : Cease all communication regarding the fraudulent accounts unless it is to provide written confirmation of the removal and resolution of the matter. Any further contact should be made in writing only. 

Please be aware that as the victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ) and am entitled to immediate resolution of any inaccuracies on my credit report. Failure to comply with this demand within 30 days from the date of this letter will result in legal action against your agency for willful non-compliance with the FCRA. 

I expect your prompt attention and resolution of this matter. It is crucial that my credit report is accurate and free from any unauthorized entries that negatively impact my financial standing. I reserve all rights to seek damages, compensation, and any other legal remedies available to me under the law for any inconvenience, emotional distress, or harm caused by your agency 's failure to adhere to this demand. 

I anticipate your immediate action in this matter and would appreciate written confirmation that the fraudulent accounts have been removed from my credit report. Please feel free to contact me via the information provided above with any questions or updates regarding the status of this case. 

Thank you for your understanding and cooperation. 

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

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, Experian, and XXXX all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX-XXXX ( XX/XX/XXXX ), ( 3 ) XXXX- XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX XXXX XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers TransunionXXXX XXXX XXXX XXXX XXXX XXXX assigned XX/XX/XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX original balance {$660.00} current balance {$700.00} Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the inquires that are my credit profile that I didn't authorize Bank of America - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2021 XXXX
Product: Mortgage

My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. 

However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. 

They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. 

Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. 

The bottom line is that I would like for the harassment to stop.
Product: Mortgage

We have been dealing with SPS now for 2 years. We financed a mortgage with XXXX XXXX back in XXXX. There was fraudulent documents used in the closing and was proven to be by banking commission then XXXX bought them and could care less about the fraud than XXXX purchased the loan which they have given to SPS. We have tried numerous times to work this out with every mortgage company switching hands. I did my own appraisal sent it to XXXX and SPS. We have people coming not stop and even at night to leave SPS pamphlets on our door knob and to take picture of our house on our property. SPS has hired a lawyer contacting us trying to foreclose on us even though we were never served papers. I have a minor in the house and the last person that came we called the police and filed a report. Who are these people? How can they try and pursue any thing when SPS does n't own our mortgage and XXXX and SPS does not respond to any letter asking them for a list of questions and concerns concerning our mortgage. Also SPS would not reveal who they were if they were servicing the loan, debt collectors or bought the mortgage from XXXX. All request to XXXX and SPS are sent certified and signature return so I can prove we are doing our part. We have undeniable proof the there was illegal and fraudulent practice involved in making this loan and Banking commission confirmed it in their investigation. I am tired of the threats and living in fear with one of these people coming to the house with my son in the home. There are so many complaints with SPS. They should be held accountable for their actions along with any bank using them. This has been going on with XXXX since XX/XX/XXXX. Thank you for any help and God Bless
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by XXXX XXXX my credit report. Over 20 late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : XXXX has inaccurately reported over 20 late payments for my auto loan account to the credit bureaus ( XXXX, Equifax, and XXXX ). These late payments are not accurate, and XXXX has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both XXXX and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), XXXX  is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from XXXX to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without XXXX cooperation.