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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 card

Sent certified letter requesting account closure in XX/XX/2023. Company has not responded or closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX 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
Product: Mortgage

XXXX XXXX XXXX XXXX failed to communicate a transfer a service which resulted in a payment to Earnest that should have gone to the new loan servicer, XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, I went online and applied for a CitiBank XXXX XXXX AAdvantage credit card. Upon the completion of the application, I was denied the extension of credit. The following day I received an email sta

ting why I was denied the extension on credit. The Adverse Action ( 15 U.S. Code 1681m ) Letter. In That letter it stated that the denial resulted from " Your credit bureau report shows that your balance on your open accounts are too high when compared to your credit limit ''. A adverse action is not valid when it comes to an extension of credit. That is DISCRIMINATION ( 15 U.S. Code 1691 ( a ) ( 3 ) ). I in good faith exercised my right under the Equal Credit Opportunity Act. Also an adverse action only applies to employment and insurance, NOT an extension of my own credit. Credit is the right granted ( 15 U.S. Code 1602 ( f ) ) which is the right I exercised in good faith. I granted you the right to extend my credit. I CAN NOT be denied what mines. I provided you my credit card ( SSN ) ( 15 U.S. Code 1602 ( l ) ) on the application, and you ran my credit which resulted in a inquiry on my consumer report. This provides proof that we entered in a consumer credit transaction, however I received no benefits which is unauthorized use ( 15 U.S. Code 1602 ( p ).
Product: Debt collection

Theyve called me more than 4 times daily or every time Im on my phone they call. Whenever Im on social media they call me as if theyre stalking me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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. 

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

Incorrect reporting of debt. Insurance at the time paid in full
Product: Debt collection

After applying for a mortgage, I noticed my XXXX score was much lower than expected. Upon receiving the full credit report, noticed there was a fraudulent collection in the amount of {$220.00} from Credit Management for original creditor WOW. I have never had WOW cable or internet services in my life. The credit report also listed an alias that I have never used and an address at which I have never lived. 

On XX/XX/XXXX I contacted both XXXX and the collection company Credit Management to notify them of the error. Credit Management stated I had to complete all the steps on their website under their ID theft/Fraud Claim section which includes submitting : a Federal Trade Commission Identity Theft Report, the police report with this account noted as fraudulent, my social security card showing only the last four digits, my photo ID, and proof of residence from XX/XX/XXXX when the collection was reported. Everything was submitted to Credit Management on XX/XX/XXXX. They have not provided any updates or responded to my status requests. 

A representative from XXXX called & said I should receive an affidavit from them. I did not receive it so I emailed XXXX asking when I can expect it. They responded stating " The account # XXXXXXX is not under your name or address. I checked the social security number that was on the account and it does not belong to you. I do not see any evidence that this account was opened fraudulently in your name. There is also no balance on this account. No action is necessary on your part. '' I responded " That is not true. XXXX reported a collection to a collection agency and it is now on my credit report. So if it wasn't fraudulent, then it was XXXX 's error and I expect it to be corrected immediately along with a signed letter from XXXX on letterhead stating that is was reported in error, that they are correcting this error with the collection company, and that I have never had an account with XXXX. '' They responded that they would have to look into it further. XXXX  has been provided with a copy of the police report and my credit report showing the collection. 

Per the police report, the police went to the address now listed on my credit report and asked for the alias. Per the report, the alias was cooperative and willing to work with deputies & XXXX cable to figure out how this happened. 

Credit Management on behalf of XXXX has still not deleted the erroneous collection from my credit report.
Product: Credit reporting or other personal consumer reports

the debt is paid in full and i was told it would be removed from my credit report within 30 days and it hasnt been done
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

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
Product: Mortgage

XXXX This Complaint is not closed. It is very frustrating that CFPB automatically close the matter after the company has responded. I am not satisfied with Carrington Mortgage 's response. Therefore I have to start a new complaint? 

IMPORTANT : In a recent letter from them they refer to leaving voicemail messages. Let me elaborate on this statement. No real person leaves a voicemail. No real person takes the time to call us and leave a message. It is their " automated system '' that leaves a voicemail. 
Then when we return the call, as I have repeatedly said, we are connected to a maize of customer service agents. These agents know nothing about our case, they then try to transfer us to another department, where they also do not know nothing about our case. A lot of the time they would tell us that nobody is available or not taking calls. You have no idea how hard it was to try and speak with somebody to discuss our situation. 

It is only since we contacted CFPB and lodged a complaint that we got their attention. 

Carrington Mortgage are refusing to acknowledge that if we missed a deadline it is because of their lack of help and lack of customer service. They did not provide a dedicated person or a team of people to help us navigate the HUD time lines, reverse mortgage processes and whatever else it was they needed. 

If in the beginning they had provided somebody to help, we would have provided what they needed within the required time-lines. We were so ready to help. All we needed is some guidance and someone to help explain this complicated entrenched process. 

When are they going to acknowledge that we, every day people, do not go through reverse mortgage/no will/trust situations. We inherited this because my husband 's mother died. This is a story for 60 Minutes. We are so tired of these companies who intimidate their customers because we have no knowledge. They know full well when someone dies without a will or trust, there are other things the family has to deal with. We had so much on our plate and we are still in Probate. We are now at 14 months since starting probate. We are still out of pocket {$50000.00} which we had to spend fixing up the house, paying her bills, paying her property taxes, upkeep of the house etc. etc. 

If they practiced what they preached this foreclosure would not have happened and we would not have been charged lawyer fees or any other unnecessary fees. 

They state " We strive to provide the highest level of customer service ''. They did not. 

As I explained to XXXX XXXX ( by phone ) this week in a space of one month we were bombarded via mail with XXXX Notice of Defaults - see attached pictures. They even sent Default Notices to my husband 's XXXX brother who can not read or write. This action in itself displays how out of touch they are with their customers. Every time they send out a Notice of Default to our address and to my husband 's brothers we were charged a fee. I am told it is {$100.00} for every time a Notice of Default is sent out?
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tjmaxx reported I was 30 days late paying XXXX this is not true. They charged a late fee after a payment was made when that wasn't paid they reported there was XXXX unpaid for 30 days. They caused my credit score to drop 56 points. I would like a audit of my count including the date and method they calculated the amount 30 days. I want the information removed from my account immediately. They have caused damage for that I will seek a cfpb claim, but they should not be able to report was is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently purchased a co-op apartment in XXXX. When I looked over my final closing paperwork, I noticed a lien against my name from Kubota Credit Corporation with a file date off XX/XX/XXXX and a lapse date of XX/XX/XXXX. It appears that this company is out of Texas ( XXXX XXXX XXXX XXXX TX XXXX ) and finances lawn mowers and tractors. I have never financed any such items ( I live in XXXX! ) and have no need for any such items. I believe this lien is in error or fraudulent. I contacted the company and spoke with a XXXX in the finance department at XXXX ext XXXX on Monday, XXXX XXXX. Nobody from the company could identify what this was on their end. XXXX informed me that he would look into the matter and follow up via email. He did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.
Product: Credit reporting or other personal consumer reports

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$17000.00}. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Debt collection

XXXX XXXX XXXX of XXXX sent {$69.00} bill to collection company Capital Account which does not belong to me. I am not their patient and never was. My wife was their patient back in XX/XX/2019. She had some services done back then for which they charged to our joint insurance company already who approved their bill. They forgot to mention that to their collection company who reported delinquency to my credit bureaus. That act hurt my credit. We are in middle to purchasing a house but because of that delinquency we have to postponed our plans. This will cost us some money. 

My concerns : 1 ) They have my wife 's info when she was their patient. Why didn't they charge her instead of me? Understand we have a joint insurance card but when it comes to a bill or collection, shouldn't they be looking into their accounts and reach out to the right patient instead of their family members. Isn't this a HIPAA violation? 
2 ) If they have charged the insurance company then why they are charging us? isn't this a double dipping? NOTE : this is not a co pay or deductible that my wife is responsible. This is an actual bill and insurance company agreed to pay them. 
3 ) As per my wife, they have charged the insurance company for some work in the past that they didn't do. My wife filled a complain and then they reversed it.
Product: Credit card or prepaid card

- Had contacted NFCU about claims being closed before, rep from NFCU indicated all the documentation is something like a proof of purchase or something like a proof of return. 
- All claims are closed ( see attached ) claiming I did not provide the documentation.
Product: Credit reporting or other personal consumer reports

I have previously disputed with these bureaus ( XXXX, Equifax ) and they have yet to remove the inaccurate, incorrect information on my credit report. I have recently sent in more dispute letters on XX/XX/year> and they have received them but have yet to start the investigation process. There are accounts, employers, inquires and names that are being furnished on my credit report that I have already proved did not belong to me. I also have proved my information has been leaked in a recent data breach and these bureaus have still chosen against my consent and will to furnish this incorrect information.
Product: Debt collection

In XXXX of XXXX I disputed a claim in the amount of {$1800.00} from Hunter Warfield and  asked them for documentation as to how it belonged to me - they removed the collection claim from my profile within 30 days and sent me an apology letter. They then added the same claim back to my credit profile in XXXX of XXXX which I disputed directly with the credit bureaus - this claim was removed again within 30 days. They have now for the 3rd time added a collection account to my XXXX profile in XXXX of XXXX which they know is illegal. 

Please handle this, I will also be looking into action I can take now due the repetitive harrassment. 

1 collection account Total balance : {$1800.00} HUNTER WARFIELD Original creditor : XXXX {$1800.00} Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney
Product: Debt collection

I have no knowledge of this card never received statements or nothing there was a data breach and my info was compromised I was alerted by XXXX XXXX  and now I get this collection letter for XXXX credit which I never had! 
Also XXXX advise me their credit limits only go up to {$16000.00} so there is no way I should have a balance of double {$32000.00}? 

I dont understand how XXXX credit would let somebody go over double the credit limit and even the fraud specialist was surprise this account was not frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with XXXX XXXX XXXX , XXXX. regarding a debt I do not owe to XXXX XXXX Apartments in the amount of {$74.00}. 

I have repeatedly asked Equifax Credit Information and XXXX XXXX XXXX , XXXX to provide me with proof of my signature that I have legally binding contractual obligations to pay XXXX XXXX XXXX , XXXX {$74.00}. 

Equifax received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX  for investigation. It obvious Equifax have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I have disputed a fraudulent account from Experian XX/XX/year> and requested their proof of investigation and the documents they used to verify my identity to this account. Experian did not update me with this investigation nor changed anything.

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

I have attached an FTC report with two account and inquiries I did not authorize, please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, these accounts were not opened to my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed XXXX XXXX credit card account was reported to Transunion as XXXX late. I made a payment to bring my account current before 30 days in the amount of {$80.00} on XX/XX/2022. I tried logging into the XXXX website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.
Product: Mortgage

I made a final payment on my loan on XX/XX/20. This payment has been held in " Funds Held In Suspense '' and has not been applied to my loan. I have now received a late payment notice due the fact they have not posted the payment to the loan. This will probably be reported to the credit agencies. I am due a refund of the excess payment over the remaining amount due and the escrow balance. I have contacted Flagstar Bank at least 5 times and I have been told each time that it would be taken care of. The last time I was told it has been escalated to the highest priority, but nothing has happened. It shouldn't be hard to apply a payment, refund the excess and the escrow balance. Also, you have to sit on hold for a very long time even to get to a so called expert. Somehow, they can send a late payment notice without checking the loan to see that it is actually their fault. Very poor service and they owe me money back. Attached is a copy of the loan payment schedule.
Product: Credit reporting or other personal consumer reports

When applying for a loan with XXXX XXXX XXXX on XX/XX/XXXX, I was informed of a delinquent balance in the amount of {$270.00} in XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX confirmed there was no outstanding balance owed and no history of delinquency at any residence within the last several years. This delinquency according XXXX is negatively impacting my credit score. XXXX utilizes Equifax to pull credit for prospective borrowers, therefore XXXX explained it was Equifax who had provided them with this information, which we were not able to get a copy of per their contract with Equifax. Upon speaking with Equifax there is no such delinquency, and my credit score was XXXX not the XXXX score XXXX is reporting from Equifax. To ensure the accuracy of XXXX 's information, I pulled a credit report from all three credit bureaus which confirmed no such delinquency. When speaking to Equifax, they blamed XXXX for the discrepancy. When talking with XXXX, they said I need to work with Equifax to get it resolved. Essentially these XXXX companies are pointing fingers at each other and there will be no resolution without the help of a XXXX  party.
Product: Debt or credit management

Was a victim of identity theft years ago, submitted all documents and information ID number actually changed in the state of California and they still did nothing about it