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

I called equifax on XX/XX/XXXX @ XXXX. I spoke with XXXX she informed me that equifax does not do proper investigations into reports. they do not follow the FCRA procdures to accuretly report on a consumer. They have no premissble purpose to furnish my personaal information. they are using my consumer informtaion for thier own personal gain. They are getting paid off the advertisty they have put me in by sending false credit scores which is hindering my ability to take care of my children. Equifax is reporting experiences on my consumer report which is not allowed. Equifax has never wriiten me or asked if anything they put n my consumer report is accurate or valid. Equifax contuines to hinder my ability to live a better life making me have to work harder, and more hours away from kids. Equifax is in many violations. And i want Acct # XXXX, Acct # XXXX and Acct # XXXX removed from my consumer account. I want confirmation sent to me that it has been deleted seeing how it was never properly investigated nor was it validate nor did they provide me with the information of how they validated according to FCRA and congress.
Product: Debt collection

I learned that XXXX had sent a mobile phone debt to a third party collection agency Diversified Consultants Inc. when I applied and cosigned for a student loan for my son on X/XX/17. This appeared on my credit report under collection account. XXXX did and does not show anywhere on my credit report as the account was under my past employer. I utilized XXXX services when I worked for a former employer, received e- bills via email that I sent in with my expense account monthly for payment. We I left my former employer, the phone was taken away and I did not have access to email. The XXXX account did not show on my credit report as it was set up by my former employer. I called XXXX escalations at XXXX. I spoke with a Rep XXXX and his supervisor XXXX. He mentioned I had a balance of {$240.00} on the account. I told him about this being sent to Diversified for collection without every receiving a paper statement due to e-bill and not being to access when I left my previous employer. I would have paid the balance if I knew it existed to avoid issues. He told me that the debt would be recalled from Diversified and deleted from my CR if I resolved the balance, which I did, on X/XX/17. XXXX told me Diversified would received the letter within 48 hours. I spoke with his supervisor XXXX and she confirmed what XXXX had communicated to me. I also wrote a recognition letter based on XXXX 's patience and understanding in resolving this matter. ( I have copies of the emails sent to XXXX and payment confirmation ) .On XXXX/XXXX/XXXX, I called Diversified Consultants at XXXX and spoke with XXXX XXXX . I asked her if she received the retraction letter from XXXX and she indicated she did not. I asked her how she receives correspondence from XXXX and she told me electronically. On XX/XX/17, I then called XXXX escalations and spoke with XXXX as XXXX and XXXX were not available. He confirmed that the balance was resolved in full and the letter to recall the debt with Diversified was sent. I have a copy of the payment receipt so I asked him for a copy of the balance statement and information on the details sent to Diversified Consultants. Since this was communicated being sent electronically, it should have been available for the Diversified rep XXXX to view. XXXX put be on a brief hold and returned to tell me he could not provide me a copy of the letter or closing statement. He told me to wait and see what happens but could not validate the exact terms in the letter sent to Diversified. I then called back XXXX and she told me that I have to resolve this with XXXX as they are a debt collector. I asked to speak with a manager and she told me my agent was not available. I expected this to be resolved timely by XXXX based on my discussions and their commitments. My sons loan is on hold due not having the opportunity to resolve this when it was due. I never receive any letters from XXXX or Diversified Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to login into my Experian account. Iv tried on multiple occasions and it keeps saying my password is wrong. I have tried to reset it but it is now locked and Im told to call the customer service number!

Unfortunately you can only talk to a voice activated rep on the phone and not an actual person!

It does not give an option to unlock my account!
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a recent inaccurate reporting on my credit card account with XXXX. I have maintained this account for over two years with a perfect payment history. However, I was recently notified that my account has been reported as delinquent, which I believe is a result of a technology error. 

I have reached out to the credit bureau and XXXX multiple times to rectify this issue, explaining that technology failed me somehow someway because Ive made it a priority to keep my credit card accounts current. Unfortunately, I have yet to receive a response or resolution from them. 

As a result of this erroneous report, my credit score has been negatively impacted. I request that this delinquent status be removed from my credit report or, at the very least, updated to reflect that there is no past due amount and that the account is currently in good standing. 

Thank you for your attention to this matter. I hope for a prompt resolution to ensure my credit report accurately reflects my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores TransUnion and XXXX  provided them. These score are TransUnion 's XXXX  XXXX XXXX and XXXX  's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from TransUnion and XXXX  seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with TransUnion not updating and report accurate credit card information. I believe this caused me to be denied over one point ( 619 ) with TransUnion 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with XXXX  with the XXXX XXXX  XXXX score of ( 659 ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with TransUnion 's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XX/XX/2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from TransUnion XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ).
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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: Student loan

I have had this loan through XXXX XXXX since XXXX and it is estimated that my loan will be paid off in XXXX. I went to school for XXXX and my loan was for {$17000.00}. My interest on this loan is 7.25 %. I have never missed a payment and the amount barely goes down. They also charge late fees every month! I write a check and I do not do autopay so I can show that I am never late. Plus who charges late fees even if you are late a day or two? Anytime I call them it is the worst experience, they never have answers. I just do not understand why they do n't work with me since I have been loyal to my payments and I have n't defaulted in all these years. My taxable income last year was {$15000.00}, it is very hard to keep these payments.
Product: Checking or savings account

I opened an account for a promotional bonus of {$400.00} if I deposited {$15000.00}. I applied for the account XX/XX/XXXX, sent additional paperwork on XX/XX/XXXX and received an email on XX/XX/XXXX that my account had been activated and on XX/XX/XXXX I received my debit card and opened the account. Now that the account was finally opened, I deposited the required funds on XX/XX/XXXX. This should fall within the 30 day period as my account was not active until XX/XX/XXXX. I have emails to verify this information and had inquired prior to that whether I could deposit funds because I di n't want to miss the promotion, the entire reason I chose Citibank, and was not able to. I called in late XXXX XXXX to ensure that I was all set for the promotion and was told that I was good to go and would receive the money before the end of XXXX. Last month I contacted Citibank again to inquire about the funds and was told that they count the first day I applied as the start of 30 days despite the fact that I was not able to deposit funds then. I just talked to them again and they said the same thing. This is baffling and feels a whole lot like fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : 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

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

.. The inaccurate and unverified item listed below remain on my credit report in violation of Federal Law. This account was settled with original creditor.There is no contract with collection agency, no valid verifiable claim. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct? Who verified this account? 

Transunion has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Account : XXXX {$2300.00}
Product: Credit card

On a recent trip to XXXX with my family, on checking my credit card transactions, I saw a {$610.00} ( XX/XX/XXXX ) charge on my account. I wanted to reach out to the bank and report it, but since it was still processing I could not dispute it. I put an alert to notify me when the transaction posts after which I ended up filing a claim on XX/XX/XXXX. After a few days, the bank requested that I provide details about the transaction and I explained the other charges on my card. A few days later when I logged back into my account, the dispute said it was resolved and that the Customer was responsible for the charge. I tried calling the dispute center to understand what was going on. The executive I spoke to said she will reopen the claim. Not hearing anything from them and no status change made me call them again to find out about the card. On XX/XX/XXXX when I called the fraud center of Citibank, they said the card has a chip and there is no way to clone it. Since the transaction was done using a chip they said either me or someone whom I gave the card to may have done the transaction. The only time I remember the card being with someone else was with a gas station clerk and the other being my card/wallet left in the car accidentally and the car parked by valet. I asked the Citibank staff to provide me any details about the transaction and they said the name of the merchant that I saw on my card is all that they have. I am unsure what their investigation led to that makes me responsible for this charge. There were other valid charges done around the time and I only had concerns with this one charge. I feel that the bank is not providing me with sufficient info. I said I am happy to cooperate with the investigation and would be willing to provide any details they needed. I can also testify this on oath and am happy to face the consequences if I am at fault.
Product: Mortgage

I initiated a mortgage refinance application with NewRez LLC in XXXX of 2020, after several months and many submissions and appraisal expenses they failed to provide the refinancing as promised ... and at the promised rate.. 
I was sent several messages indicating the loan was approved but after working with the 8th different person they informed me two weeks ago that I needed to bring {$18000.00} to closing if I expected the rate which was " locked-in '' in XXXX of 2020..or to approved a rate hike.. 
In the end and after almost 6 months, I withdrew as I need to get the refi accomplished.. 

I think this was very underhanded..
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to request of the information contained in my credit in accordance with 15 U.S. Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

XXXX are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Money transfers

I opened a PayPal account XX/XX/XXXX for an eBay purchase and have only used my PayPal account sparingly since then, never experiencing any issues until this XX/XX/XXXX. XX/XX/XXXX I sent {$100.00} to a friend using PayPal ( no different than I had ever done in the past ) and I assumed the payment went through because there was no reason to think otherwise. To my dismay, XX/XX/XXXX/XX/XX/XXXX, I received a call from a collection agency saying that I owed money on my PayPal account. Specifically, I was told that I did not pay back my PayPal line of credit, so in addition to the {$100.00} payment and {$3.00} PayPal convenience free, I also owed a {$25.00} late fee. I was upset because I never established a PayPal line of credit, and assumed that my PayPal account was linked to my credit card and/or bank account as it was in the past. This felt sneaky to me, especially since I had to pay a convenience fee to use the service, only to get burned with late fees later on.
Product: Mortgage

This is a complaint about the actions of XXXX in their response to our last complaint. 

1. the rules state that a lender MUST PROMPTLY RESPOND to a notice of successor in interest.

2. We sent a certified letter by mail, fax and email over a month ago giving notice. 
3. XXXX has NEVER responded to such a notice which included my deed as a settlement for domestic debt, to inform Me it was received, as requested, or that they wanted more information OR TO DENY XXXX status. 
4. This clearly proves gross bad faith since the date for sale was XX/XX/XXXX and they did not respond to stop the sale, ask for more information or to agree with SI status. 
5. The purpose of the new rule from 2018 clearly states it was to offer time to a potential SI to get a modification and to stop foreclosure. 
6. The fact that XXXX admits it thoroughly investigated the XXXX claim and denied it WHILE IGNORING NOTIFYING ME AS THE XXXX to DELAY SO THE HOME IS SOLD PROVES they are deliberately delaying any response to let home sell and take the home which the rule is specifically meant to prevent. 
7. The egregious and willful and wanton violating of the rules to take a home is both disgusting and actionable.

8. I M also demanding they only contact me and my attorney not any other person as I am the SOLE owner and no one else has rights to the home. 
9. The violations are too numerous to list here but I demand immediate assistance by CFPB and that they order XXXX to immediately remove property from sale AGAIN and honor the co yea t we signed- they probably yes my name as an ow we on their offer- and be ordered not go put on sale again as it is a harassing tactic d well as an illegal one.

10. They also engaged in dual tracking for last three years putting home on sale date 9 times while acting like they were working with us. This is also illegal.

ASSISTANCE IS REQUIRED TO STOP FURTHER FINANCIAL EMOTIONAL IRREVOCABLE HARM BY THESE CRIMINals. 

I anticipate they will again not respond as yet we have no responses about SI or modification application from months ago yet they can answer you. 
ASSISTANCE URGENTLY NEEDED TO STOP THESE ONGOING VIOLATIONS