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

Global Lending Service is reporting a account as a XXXX and this account is A fraudulent account I have wrote them letters plenty of times and have never received a response from them.
Product: Credit card or prepaid card

On or around XX/XX/2015 I called to make a payment on my account at that time the representative from synchrony bank told me that I just needed to pay a XXXX dollar payment to bring my account balance current. I made a XXXX dollar payment, long and behold my account was still delinquent and then turn over to collections for charger off! I believe there was a communication/language barrier and this has been inaccurately reported! Had I known and been informed otherwise, I wouldve made a payment accordingly to keep my account current and not let it get delinquent. Now this is being reported as derogatory on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX/XXXX  XXXX Balance : {$990.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time XXXX   is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX mainConsumer Reporting Agencies ; XXXX, EQUIFAX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.
Product: Credit card or prepaid card

I applied for a XXXX XXXX and a XXXX card through XXXX XXXX they approved me and over the next few days closed my account. Then I go to apply for a XXXX credit card I guess through them and they denied me because of previous stuff with them. How can they approve me and turn around and close my account right away. Then because of that they wont give me a card for a different store. Then because of this since I didnt have credit with them really it is on my report how can I get that removed
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( XXXX and XXXX ), XX/XX/XXXX ( Equifax ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : Equifax : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, Equifax failed to conduct a reasonable investigation and update my credit report accordingly.

TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance.

Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with XXXX, XXXX, and Equifax. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have sent numerous emails and request for the file to set up a resolution to resolve the Discover balance that is claimed I owe. I have not received a response. I have sent a request via their website to make payment arrangements and no response. I do not have a file number because they refuse to contact me regarding this matter to get it settle.
Product: Credit reporting or other personal consumer reports

Attached to this complaint theres proof of violations of the FCRA and Privacy Act of 1974. Equifax is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported were fraud. Under 15 U.S CODE 1681, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy, and 15 U.S CODE 1681a ( A ) 2 Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S CODE 1681c No adverse items besides the conviction of crimes should be on your report any item that is derogatory mark is not allowed into consumer reports this is another violation. SAID company is securitizing consumers data and is liable under the SEC to follow certain rules, EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifaxs negligences has caused a severe impact on my life, they should take responsibility.
Product: Credit card

While visiting XXXX on vacation, my phone was stolen on the XXXX  of XX/XX/XXXX. After stealing my phone, the perpetrator was able to gain access to all of my online accounts and drained my checking account, made purchases through multiple apps, and did a {$4000.00} cash advance using my Wells Fargo Visa XXXX XXXX card. On XX/XX/XXXX before leaving XXXX XXXX XXXX home, I had to purchase a used phone and then was able to see all of the damage done. On XX/XX/XXXX after a lot of back and forth with Wells Fargo, they concluded that the claim was valid and made the funds returned to me final in the amount of {$6600.00}. The credit claim of the {$4000.00} cash advance, which is part of the same incident, has still not been resolved however. The departments are separate and that has made this process extremely difficult and time consuming. I have spoken with them multiple times and the claim was not even in their system properly as showing that my phone had been stolen even though they were made aware repeatedly and I have had to fax documents multiple times as well. The said the claim was closed and then it was suppose to have been reopened for review but this never happened either. I have been given multiple case numbers, but the most recent was case number : XXXX. I spoke with someone named XXXX on XX/XX/XXXX who said to fax the documents again to the attention of the online fraud leadership team, which I have done, but I don't have faith it will make a difference and I need help getting this resolved. Also, I reported the incident to the XXXX XXXX at the time it happened and the case number is : XXXX. I have attached the documents that the debit fraud team asked me to send to resolve the claim, which was proof that I had to purchase a new phone while in XXXX. I've also attached the letter from Wells Fargo that the debit fraud claim was approved and reimbursed. Also to note, the nature of the transactions on my account at the time is what helped prove the fraud, as there were multiple attempts at cash withdrawls at the time and the types of transactions were clearly fraud.
Product: Debt collection

Over the past few weeks i have been getting calls at my workplace from a company called " Convergent ''. its only a machine with a call back number then it hangs up. The call comes in usually around XXXX XXXX. on XX/XX/18 at XXXX i called the number that was provided by the automated call and asked them to stop calling my employer. they took the last 4 numbers of my work phone number down that i asked them not to call then hung up on me. on XX/XX/18 at XXXX the call came through my employer again so i called the number on the caller i.d . and not the one provided by the automated call in hopes this would solve the issue. i again asked them not to call my work and they took the whole phone number down and said they will put a note on my account to not use my work number then again hung up on me. this morning, XX/XX/18, at XXXX i got a call in my office from this same company. these calls have become harassing and is putting my employment at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On  X/X/17    I was approved by  XXXX   XXXX  to refinance my first mortgage with them. It was just a straight refinance of my balance. I have a second mortgage held by  XXXX .  XXXX  faxed them the subordination paperwork on  X/X/17    and several days later they told  XXXX  that  XXXX  of the forms were not legiable.  XXXX  re-sent the forms again and a few days later, the got the same response.  XXXX  also sent the forms via email and they claimed they could n't read the email. I along with  XXXX  have contacte d Ditect n umerous times and they keep giving the same response about not being able to read the forms nor the email. I have lost count how many times  XXXX  has faxed or emailed them the forms with the same response. I called Ditech on  X/XX/17    and asked to speak with a supervisor and they claimed one was not available and they would call me back. As of  X/XX/17    no one has contacted me. I called them on  X/XX/17    and asked to speak with someone in the subordination department and they are telling me that they have no phones there and the only way to contact them is by fax. This fiasco had been going on for over a month and I am sure that Ditech is just giving me the runaround and hope I just go away. This refinance is a HARP refinance and according to  XXXX  they have never had a problem getting the subordination done by any other companies. I really need help with getting this done before I lose my low interest rate.
Product: Mortgage

I applied for a HELOC loan for home repairs. I spoke to a Citi mortgage representative on XX/XX/year>. My credit was pulled that day, I received a link to upload documents on XX/XX/XXXX - another credit pull was requested. I reached out to the representative who opened the account ( XXXX XXXX ) on XX/XX/XXXX, for clarification, XXXX XXXX explained that the application was being managed by XXXX XXXX, and that XXXX XXXX would call me. XXXX XXXX did not reach out to me until XX/XX/XXXX ; she sent me an email requesting documents I had already uploaded to the system. The email also stated that the application deadline was XX/XX/XXXX. I called XXXX XXXX and she refused to speak with me because the number I called her from didn't match the number on my credit file. I was confused but after further investigation I found out that XXXX had added information from my mothers credit file to my account. I updated the phone information within hours and called both XXXX XXXX and XXXX XXXX to let them know that I made the changes. XXXX XXXX was unavailable but XXXX confirmed that someone from Citi mortgage would call me Saturday to answer all my questions related to documentation. I never received a call from Citi. I emailed XXXX XXXX on Monday, XX/XX/XXXX, to confirm the changes were updated. XXXX XXXX stated that the credit file appeared to be unchanged. After further review she realized she needed to repull my credit file. I was concerned about my credit score ; Citibank pulled my credit report on XX/XX/XXXX and she was requesting another hard pull on XX/XX/XXXX. She told me she could not discuss my application. I, again reached out to XXXX XXXX to discuss my concerns with how my application was being handled. XXXX XXXX told me when I opened the application that XXXX was the only credit reporting agency Citibank used. XXXX XXXX informed me that she needed to pull not only XXXX but also XXXX and XXXX. I have fraud alert on all three of my credit files. I had to temporarily lift the other two files which takes 24 hours. I asked XXXX XXXX why he told me that Citibank only used XXXX and he had no explanation. XXXX XXXX stated she would be out of the office on XX/XX/year>, in her absence her assistant would pull my report and answer my questions. XXXX XXXX 's assistant never called me and my credit report was never pulled. I called Citi mortgage and spoke with a representative who confirmed the application was never updated. The representative promised that XXXX XXXX, XXXX XXXX 's assistant would call me by XXXX. I spoke with the Citi representative at XXXX XXXX I never received a reply via email or phone from Citibank in reference to my application. I have been banking with Citi for nearly 20 years and this the worst treatment I have received thus far. Perhaps XXXX XXXX knew that I wouldn't be eligible so she never bothered to follow up with me or perhaps they are overwhelmed with applications since this is a new product or perhaps they don't care. I don't know but it was a terrible experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to fix reporting on 2 auto leases {$14000.00} & {$13000.00}. They sent an email XX/XX/XXXX stating that they verified the accounts and the name of who they verified it with at the Dealership. ( the person they listed has not worked there for over 5 years! ) this was verified to me by the dealership on XX/XX/XXXX, as well as they also verified that Experian has yet to contact them about said dispute... These are BLATENT VIOLATIONS of the Fair Credit Reporting Act and I want if fixed or deleted immediately. The lease was current every month and then they ( Experian ) stopped reporting in XXXX of XXXX and listed it as a XXXX for no apparent reason??!! XXXX kept reporting as current. When I contacted Dealership back in XXXX, they said to dispute and then they would let Experian know they are not reporting correctly. Experian is required by federal law to verify THROUGH PHYSICAL VERIFICATION of the original signed consumer contract, any and all accounts they post on a credit report as well as have " said original signed consumer contract on file ''. Failure to positively verify these accounts has hurt my ability to obtain credit. Experian DID NOT VERIFY and FALSLEY CLAIMED THEY DID WITH AN EMPLOYEE THAT HASN'T WORKED THERE IN YEARS AND MUST REMOVE FROM OMY REPORT! They have subsequently deleted the accounts from my wife 's credit report and are still refusing to delete the 2 accounts on my Experian credit report. Each time when I dispute they return a response with " Account validated and/or verified with creditor as accurate '' No Change.
Product: Mortgage

We submitted an error resolution notice to United Wholesale Mortgage on XX/XX/XXXX requesting that our payment be posted correctly for the amount we made them. The mortgage payments that we made are not reflected in the transaction history as we made them. We have bank statements that we used to verify this information. We were reported to the credit bureaus as delinquent by United Wholesale Mortgage while they researched our situation and they have not been cleared although they have confirmed the payments were made. We also received notice of possible foreclosure due to this. The response we received from them on XX/XX/XXXX was that they re-posted all payments correctly, but the payments are still not the amounts that we made. On XX/XX/XXXX We received a follow up letter stating we didnt make a full mortgage payment in XX/XX/XXXX so that caused our account to be delinquent. They stated we had made a payment of {$3400.00} which is correct, but it was a partial payment because they had credited our account {$1900.00} from subsidy payments, they owed us from XX/XX/XXXX to XX/XX/XXXX. The total of these two partial payments adds up to the total due XX/XX/XXXX which was {$5300.00} plus the subsidy United Wholesale Mortgage needed to credit our account of {$470.00}. We have not been able to talk to Management or the error resolution team to resolve this issue directly with them. The transaction history is excessively confusing with reversals and credits and it's very hard to understand and we believe there is money missing. We have had to use surplus money in our escrow account to make our account current due to their accounting errors and we don't feel we should be paying for their errors. 
This issue or discrepancies on our mortgage payments started since the beginning of our loan payments in XX/XX/XXXX. Our loan agreement involved a subsidy of {$470.00} per month to be credited to our payment for the first 12 months that was not credited to our mortgage account until XX/XX/XXXX as a lump sum of {$1900.00}. The customer service representatives that we talked to agreed that their system was causing errors with the subsidy not posting with our payment and causing the payment to be late. This situation has caused us to spend more than 25 hours of our time dealing with multiple customer service representatives and has caused a lot of stress trying to fix these issues month to month with no resolution. We are desperate for help. We have never had an issue like this with a creditor. We have not been able to refinance due to this situation as well.
Product: Credit reporting or other personal consumer reports

I CALLED SEVERAL TIMES AND COULD NOT GET A HOLD OF THE RIGHT DEPARTMENT AND WAS TOLD THAT ACCOUNTS WERE CLOSED AND THAT NOTHING IS BEING REPORTED ON MY CREDIT REPORT. I EXPLAINED THAT THERE IS SOMETHING NEGATIVE ON MY CREDIT REPORT. I GAVE THEM MY INFORMATION AND THEY CLAIMED THEY DIDNT FIND ANY NEGATIVE ACCOUNTS.
Product: Debt collection

I have a fraudulent collections remark on my credit report. XXXX XXXX has made a false claim that I owe {$440.00}. I have never visited, let alone received treatment from, this medical group. To further ensure that this claim was made falsely, I have checked all of my email accounts and medical records and have found no invoice or record pertaining to XXXX XXXX. This debt was sent to Pacific Credit Services on XX/XX/XXXX. I have never received a single statement or debt collection call about this debt. This false collection only came to my attention after signing up for credit karma yesterday ( XX/XX/XXXX ) and noticing the derogatory remark that has been made in error. This debt does not belong to me and I have never been contacted in any way to pay this debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.