23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and I noticed and inaccurate account XXXXXXXX XXXX XXXX XXXX XXXXXXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according to FCRA 15 U.S.C. 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I clicked on a link to get my free yearly credit report and went to the TransUnion website. They push me through a lot of deceptive links ( where the option I wanted was in tiny print and the link that cost more money is green and big ) and I eventually arrive at a page asking for my credit card #. I searched why they needed it and the site says its for security reasons to link with my identity. 

I finally see my credit score, close out and find a receipt for XXXX in my email today, XX/XX/20. 

I absolutely never would have paid that knowing I am entitled to a free report. I even checked before entering my credit card information why they needed it. This is disgusting and predatory behavior from a company I have no choice but to deal with. These people have done this before and are up to their old tricks. Please, please, help bring some consequences to this type of theft to hopefully prevent them from stealing from more people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 I've sent disputes about inaccurate and unknown accounts I found on my credit report. But it's almost 90 days since I've sent it and I don't received any response. I was so stress and feel I was being ignored. I demand to immediately DELETE those unknown and inaccurate accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Left Job due to personal reason, mortgage loan was paid until then to XXXX which set up bi-weekly payments to be drafted from my account. MidLand Mortgage is now trying to foreclose on my property without showing me a valid international contract between them and myself.
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 an account without my written instructions. 

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 XXXXXXXX
Product: Mortgage

We are filing a complaint in regards to a foreclosure summons based on issues surrounding a recent short sale attempt with the plaintiff Wells Fargo. The nature of our dispute involves a notice that we received from the plaintiff dated XXXX XXXX, XXXX, which states that plaintiff has referred our loan to a foreclosure during negotiations for the short sale approval process. The problem is that we had only on XXXX XXXX, XXXX, signed a short sale agreement and had just begun the negotiations with XXXX XXXX XXXX of plaintiff 's short sale department. The fact that plaintiff referred our loan to a foreclosure prior to concluding negotiations only further supports our additional arguments that plaintiff, has more interests in foreclosing on our home rather than considering any offer of short sale no matter what the amount that could be or had been offered at that point. This is a direct violation to the National Mortgage Settlement ( NMS ) of XXXX. 

Furthermore, we are in the process opening and investigation or inquiry into the last modification agreement that we were approved for on XXXX XXXX, XXXX. We made all of the payments required under the trial plan as well as payments in the amounts of {$2100.00}, all the way through XXXX of XXXX. We then received notice from plaintiff, indicating that our loan modification had been cancelled and the only option for our loan would be short sale or deed in lieu, which is why we began the recent failed short sale attempt. 

In fact, according to agent XXXX ID # XXXX, of WFHM stated on XXXX XXXX, XXXX, that it seemed odd that the loan was sent to foreclosure 1 month after the loan funded for the modification which was being paid. She advised that she would open an escalation into this realization, however our third party contacted WFHM again on XXXX XXXX, XXXX, and no escalation had been made by agent XXXX ID # XXXX. Another violation of the NMS, unclear modification process which forces homeowners back into foreclosure rather than facilitating and amicable solution. 

We feel that our loan has been mishandled on multiple levels by plaintiff during the loss mitigation process, and we would like to have the opportunity to have outside counsel to review our loan for potential predatory and abusive custodial servicing actions on my VA loan. This is fraud against the US government and a Veteran of the USA. 

We implore the CFPB to grant us relief from " Tyrant Tactics '' to foreclose and continue to violate housing protection laws for residence of Georgia. We desire a 90 day continuance on our response to the foreclosure summons due XXXX XXXX, XXXX, in order to determine the best option in protecting our interests in a home that my family has every intention to retain and save from foreclosure. We feel that plaintiff has exercised negligence and incompetence in the servicing of our loan and has not maintained a transparent process during our last 2 loss mitigation attempts.
Product: Debt collection

After receiving a copy of my credit file in shock I noticed there is a collection listed. I never had a collection in my life and always pay my bills. I have never ever been informed of this and do not believe it even belongs to me. I have disputed this after seeing this on my report. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX   ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this inaccurate/incorrect information with all 3 Bureaus. None are compliant. I have disputed and a through investigation hasnt been done. In-fact all inaccuracies and errors have remained on my account. I have verified my identity and sent certified letters.

All 3 bureaus have violated my rights and broken several laws.

According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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.

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 Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXXDept of ED Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

These accounts need to be deleted immediately from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit union is reporting a late payment for XX/XX/2023. I have not carried a balance on this checking line of credit for a long time. I received some information with the wrong last name and then this late payment popped up. I have asked for proof of this late payment and for them to remove it and clear up whatever happened. I have attached paperwork that was sent to me as well with the wrong name. I suspect this has something to do with the error. This is incorrectly affecting my credit standing. Please clear up this error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a zero balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with Kentucky XXXX XXXX when I don't have any active contracts with this company. There is a zero balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Product: Mortgage

XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Equifax for inaccurate reporting of a collection account on my credit report. The inaccurate and incomplete information has caused significant harm to my credit standing and violates the Fair Credit Reporting Act ( FCRA ). 

Key Issues : Inaccurate Reporting of Collection Account : Equifax is reporting a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$840.00}. 
This account is associated with an alleged debt from XXXX XXXX XXXX. that I dispute. 
Failure to Update or Correct Information : The account remains on my credit report despite being disputed previously, with no resolution or evidence provided to validate the debt. 
Equifax has failed to verify the accuracy of the information and continues to report this account as derogatory. 
Violation of FCRA Obligations : Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. Equifax has failed in its duty to investigate and correct this erroneous entry. 
Impact on My Credit Report and Financial Standing : The inaccurate reporting of this account as a collection item has caused severe damage to my credit score, affecting my financial stability and ability to secure credit.

Resolution Requested : Immediate Removal of the Inaccurate Account : I request that Equifax remove the XXXX XXXX XXXX collection account from my credit report due to insufficient documentation and validation of the debt. 
Compliance with FCRA Requirements : Equifax must ensure compliance with the FCRA by verifying the accuracy of all reported information and taking necessary steps to correct any inaccuracies promptly. 
Detailed Investigation and Report : I request that Equifax provide a detailed explanation of its investigation process and the steps it will take to ensure this issue is resolved and does not reoccur. 
Supporting Documents Enclosed : A copy of my Equifax credit report showing the inaccurate reporting of the XXXX XXXX XXXXXXXX XXXX 
Prior correspondence and documentation related to disputes of this debt with XXXX XXXX XXXX XXXX XXXX XXXX 
Impact and Final Request : The inaccurate reporting by Equifax has caused undue financial and emotional stress. I kindly request the CFPBs assistance in ensuring that Equifax resolves this matter promptly and that my credit report is corrected to reflect accurate and validated information. 

Thank you for your attention to this matter. 

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

HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report form XXXX and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found that incorrect personal information is listed, which has caused several unknown and inaccurate accounts to appear. These errors are unacceptable and have a negative impact on my credit and overall financial well-being.
Product: Debt collection

On XXXX/XXXX/16 I applied and was approved for a {$600.00} Loan. I was told that there would be a {$210.00} finance charge for this and I accepted this however I was unable to see the truth lending documents which stated the total payments would be XXXX because there was a interest rate of 800.8 interest rate. I was not able to view this until after I accepted and agreed. This is not fair. Is this legal?? I only agreed to borrow {$600.00} and now I am receiving notices that I now owe {$990.00}. I have already made two payments one for XXXX and one for XXXX. This is confusing. How do I owe over {$4000.00}. I was also given an extension to pay the current payment which was due on XXXX to pay {$210.00} on XXXX. They took the money out of my account anyway and I had a three way conversation where I spoke with Big Picture loans and my bank to have the money credited back into my account since they assured me that I was given an extension to pay the next payment on XXXX. They again went back on their promise and tried to take the money out on XXXX. According to my calculations, this loan for {$600.00} should be paid off by the end of XXXX. PLEASE HELP!
Product: Credit card or prepaid card

My US XXXX XXXX card has two unauthorized withdrawals made totalling about {$1500.00}. The card company offered no help. The withdrawals were made the same day my social security direct deposit was deposited. What is my next course of action. This occurred on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived at XXXX XXXX. X wife lives there
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed XXXX, transunion XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Product: Debt collection

Hi This is XXXX XXXX XXXX. My medical record XXXX with XXXX XXXX. I noticed my credit scored drop and when I checked with my bank some debit collection agency XXXX XXXX had reported for not paying bill so I called XXXX and then I called XXXX XXXX and on XX/XX/year> I paid full amount XXXX to them. But on XXXX I found out that they didnt forwarded that amount to XXXX and they were still showing balance. So I sent them proof but they said ask XXXX XXXX to send us money so I went to that web site it still showed XXXX cents as interest I paid online. When I talked to thier supervisor they said they will send money to XXXX and will send me my refund as on XX/XX/XXXX balance was fully paid so there should be no interest on XXXX balance. 
But I havent seen that refund till today and when I asked them the account statement they refused to provide me
Product: Bank account or service

i was charged an excessive amount of fees on my account and im not sure why i was charged these fees my account seem to be comprimised and i sent a message over to a online rep and was told that they were going to reverse the fees but im not opted into any overdraft courtesy
Product: Debt collection

Company " One Source Technology, LLC '' dba " Asurint '' ( Asurint ) requested payment on " one-time fee '' that did not materialize services to Client. Client was informed by Asurint to pay fee using an email online form or Asurint 's legal team would file a claim against Client. Client responded with completed authorization form within due time. Asurint did not process the payment. Rather, after 1 month of not responding, Asurint filed a claim from their legal team to collect more funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 4.5 months since the request for investigation of verification and accuracy of data stated in my report on XXXX XXXX filed with Equifax. The investigation has been opened on XX/XX/2020. Yet, there is no result on reporting, documentation, or any verification of the ownership or debt. Instead, Equifax keeps giving runarounds and damages credit score. My other credit reporting bureaus managed to correct the problem. Not Equifax. 

However, Equifax continues keeping inaccurate information that hurts my FICO score. It prevents for renting or buying a property. 

According to the 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30-dayperiod described in subparagraph ( A ) may be extended for not more than 15 additional day sif the consumer reporting agency receives information from the consumer during that 30-dayperiod that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

There has been no account with XXXX or its relation. In this case I demand interference of CFPB to enforce the rules on Equifax to delete an unverifiable account. The compliance is overdue in accordance with Federal Trade Commission ( FTC ) rules on the FairCredit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.