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

I noticed some accounts on my report I do not recognize
Product: Credit card or prepaid card

RE : AMERICAN EXPRESS SERVE CARD - Locked Out of AMEX SERVE Account - Funds Removed - Preparing to XXXX American Express ( XXXX ENTREPRENEUR ) Hello, I loaded {$100.00} on my Amex Serve card on XX/XX/2020. On XX/XX/2020 I was locked out of my account, my account was at XXXX ( no transactions were made ), and I have been calling every day, multiple times, on hold average 2 hours. As a XXXX entrepreneur, this situation has been distressing - mentally, physically and financially. 

American Express has locked me out of my account and removed my funds illegally and I am prepared to start a lawsuit on Tuesday, XX/XX/2020 if I do not receive my funds and have full access to my account. 

No one is answering the customer service line. I will no longer call, so this is my last resort before I open a lawsuit with American Express on Tuesday, XX/XX/2020. 

The following are examples of more American Express Serve victims : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank You, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid in full this is reporting as collection account this was paid only shows one late payment how can it go to collections please remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what is going on over there at the CFPB. I have always made my payments on time. For some reason, I realized that there were 30 days late on this account on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and XXXX, XXXX, XXXX, XXXX, also 60 days late on this account on XXXX, XXXX. I have read enough to understand my rights. The Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 

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

Subject : Dispute of Fraudulent Accounts and Hard Inquiry on Credit Report Dear [ Equifax/XXXX ], I am writing to formally dispute inaccurate information and fraudulent accounts that are being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request an immediate investigation and removal of the following items : Equifax Disputes : 1. Hard Inquiry from XXXXXXXX XXXX : I did not authorize this inquiry, nor do I have any accounts or interactions with XXXXXXXX XXXX Please remove this unauthorized inquiry promptly. 
XXXX. XXXX XXXX XXXX XXXX : This account is fraudulent and does not belong to me. Kindly investigate and remove it from my credit report. 

XXXX Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are also fraudulent and inaccurately reported. I request an immediate investigation and removal of these accounts. 

This inaccurate and fraudulent reporting is significantly impacting my ability to obtain essential financial opportunities and is causing unnecessary harm to my credit standing. 

In accordance with FCRA 611 ( 15 U.S. Code 1681i ), I request that you : Investigate these items thoroughly. 
Remove any unverifiable, inaccurate, or fraudulent information. 
Provide me with an updated copy of my credit report after corrections are made. 

I have attached a copy of my government-issued ID, proof of address, and a copy of my credit report with the disputed items highlighted for your convenience. 

Please confirm receipt of this dispute and provide updates on the investigation and resolution in writing. You may contact me at the information listed above if further documentation is needed. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Applied for a first home loan pre approval. Was systematically denied based upon insufficient funds.

Representative of BB & T, NooTRUIST, XXXX XXXX never contacted me personally with minimum requirements, never informed me of the banks minimum loan amount, never provided the maximum amount of approval based upon the information provided, failed to request further information prior to processing a credit check which adversely lowered my credit rating. 
Such a failure in a pre-approval process with a first-time-home-buyer proves critical financially discriminatory practice which dampens the application capacity, delaying the equity-building potential for first time buyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 a balance of {$13000.00} appeared on my XXXX Credit report. I am challenging XXXX to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed a few lates on my credit, at that time Equifax began updating my status as delinquent on a loan that closed in XXXX with a XX/XX/XXXX balance, I have tried numerous times to have them equifax fix this as it is not on either of the other credit reporting agencies and they absolutely refuse to help in anyway.. This is impeding my home buying process and I need it fixed right away and Equifax states that it is XX/XX/XXXX and XX/XX/XXXX says they have not reported on my credit since XX/XX/XXXX at which time they only reported that the account was paid in full
Product: Credit reporting or other personal consumer reports

I have contacted Experian multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to Experian via the Experian portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.
Product: Credit reporting

I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$37.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows my XXXX XXXX with XXXX and XXXX XXXX as XXXX while my XXXX card ( with Transunion ) states my score is XXXX. XXXX and XXXX XXXX state reasons my credit score is low is due to a bankruptcy. I have contacted Transunion three times about this and am told there is no derogatory information or bankruptcy reported on my report and can do nothing about my credit score discrepancy. XXXX and XXXX XXXX tell me to take it up with Transunion. I'm getting the run around and merely want my credit score to reflect the correct amount.
Product: Debt collection

I am seeking validation of the alleged debt. I have attached a letter. I attempted to send a letter out through the portal on are around XX/XX/2021. I do not recall having the alleged debt and never did business. Please validate with a signed original contract also the contract with the alleged original creditor within 30 days under the Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amsher collection report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
Product: Credit card

On XXXX XXXX, 2016 I submitted a balance transfer request from Chase Slate card to pay off XXXX. I was instantly accepted for the balance transfer and it took 20 days to process it before the commerce bank card wa paid off.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed XXXX has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

XXXX- XXXX XXXX XXXX XXXX
Product: Credit reporting

I have a major issue with Transunion. I pulled my credit report and score on their website on XXXX XXXX, and the score was XXXX I pulled it again on XXXX XXXX, and the score was XXXX. The reason I have the complaint it because literally nothing changed on my credit report in that 24 hour period. Everything was exactly the same. I tried to call them and all they would say is that they do not know why the score dropped. I could get nowhere with them. I am trying to buy a house and have been on top of my credit for over 2 years paying on time, etc and my score continues to drop with them for no known reason. Instead of going up when I pay down debt it goes down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

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

This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received dispute results from Transunion about this bankruptcy stating that it was verified. The problem is that Transunion states that XXXX is their bankruptcy data furnisher because this alleged bankruptcy is shown to be from 2017 and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Transunion genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy! 

Account : US Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

It has been drawn out that 3 Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX attempted to us our Bank Of America/Visa Credit Card only to find out the card was closed. The card is seldom used and is payed on time every month by phone. We contacted the company and was informed that due to the Patriot Act they need follow up information ( employment and citizen Info ) and that they had been trying to reach us by phone and mail. We have not received any mailed correspondence and when we inquired about the phone calls, they informed us it was an automated machine that would not leave a message ( which I thought in its own right to be illegal ) .We also had contacted them every month, since XXXX when they claimed to have been trying to contact us, via phone to pay our bill without once having been informed that they need information for the card. The company then stated they closed the account/card because they did not have the information and when we wished to have the account re-opened they would not give us the same interest rate. ( 6 % ). We have been customers with this company since XXXX. We do not use the card often and feel that the account was closed due to the unusual low interest rate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

My mortgage was transferred for servicing in XX/XX/2020 to DMI original mortgage is thru XXXX XXXX XXXX. They are trying to collect over XXXX. I sent bank statements showing where payments were electronic withdrawals from my bank account and they are saying thats not proof of payment. Have called numerous times still not resolved. Also in XXXX when they took it over there was a deferred interest payment applied for a little over XXXX no clue what this is and they cant tell me either. Im extremely XXXX now. No one can go through this account over the phone they send payment history that doesnt match or make sense. I get letters saying Im going in to default. I need help from someone. I researched the reviews and numerous complaints and reviews are exactly like mine they had 1 star ratings. Help!!! Also cant speak with anyone at XXXX it automatically transfers to DMI
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Product: Checking or savings account

I am making a complaint against XXXX XXXX. A total of {$340.00} was taken from me without my consent or knowledge today XX/XX/2018. I called XXXX to dispute the transaction & was told that my dispute had to go to the escalations dept. The escalations dept from XXXX XXXX called me back within 2 hours with a Rep from the company XXXX XXXX on the phone. The XXXX XXXX rep explained to the bank rep that the account in question does not belong to me, it belong to a male whom they researched & found that hes used other cards to pay his account also. The XXXX XXXX rep told the bank rep to reverse the charge on their end before & posts & the dispute takes longer. Ive called XXXX XXXX 4 times to day, I keep hearing that it takes 6 hours to process the reversal. I placed my first call to the bank at XXXXXXXX XXXX, it is currently XXXX. I need my money back like yesterday. Please help!!!!
Product: Credit reporting or other personal consumer reports

This compliant is about Equifax and XXXX unwillingness to respond or follow suit to prevent a lawsuit. In XX/XX/, I sued XXXX for the removal of 23 identity theft accounts. These same accounts appear on Equifax and XXXX. In XX/XX/, I won my case against XXXX, proving their negligence in reporting these ID theft account after my numerous attempts for years to get them removed. I have also made these same exact attempts with both Equifax and XXXX. The settlement required XXXX pay my attorney fees and a significant penalty for the reporting of these accounts, however most importantly the settlement required the removal of the 23 accounts. I sent a certified letters to both Equifax and XXXX, XX/XX/XXXX  asking for them to follow suit and the removal of these accounts since it has already been proven in a court of law that these accounts are indeed ID theft, but I have received no response from either credit bureau. I am asking that both Equifax and XXXX, take into consideration the settlement against XXXX and remove all 23 accounts and associated inquires, or I will be forced to seek legal action against both credit bureaus.
Product: Debt collection

I have been trying to reach Abr recovery services by phone and e-mail seems to me this company has block all access for me to send copies of the faxes and the letter, that was sent on XX/XX/XXXX,XX/XX/XXXX and three other times that they were contact, another form of harassment. I can be reach @ XXXX XXXX, XXXX Thank you