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

XXXX a living human being, a natural person. I have filed complaint after complaint to inaccurate accounts information with company not providing verification of documents waiting XXXX days complete refusal. I have rights under 15 USC 1681, Equifax is governed by 15 USC 1681 and they an creditors have violated my rights numerous times. I demand these accounts be deleted because- XXXX  # XXXX, - XXXX XXXX # XXXX accordance to 15 USC 1681. I have the right to privacy and I did not give the credit reporting agency written instructions/permission to furnish these accounts - Section 623 ( a ) ( 3 ) missing notice of dispute- Section 611 ( a ) ( 1 ) failure to investigate items in 30 days should be deleted- 15 USC 1681e ( b ) accuracy of report- 15 USC 1681n Civil liability for willful non compliance- 15USC 1681s-2 ( b ) reporting of information after notice of errors- 15 USC 1681i ( 5 ) ( A ) ( i ) treatment of inaccurate or unverifiable information provided in case of dispute accuracy by credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XXXX XXXX XXXX keeps changing the date of this loan they say I made. I do not owe this debt. I ask for proof my signature something to prove this is a valid loan they say i got online. I am on social security why would i take a loan out. I even ask the credit bureau they keep saying its validated but i never get a copy.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXXXXXX XXXX  account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. According to the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ),
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Neiman Marcus account I had some late payments so I got into a program to get organized and keep me on right track. After I started program and continued to make my payments on agreement capital one marked it as delinquent charge off. It is not correct I continued to pay on time and now the prof is not even listed it removed all together. They had not right to do that. I am current and paying my amount.
Product: Debt collection

XX/XX/2023 at XXXXXXXX XXXX Central time. 
Called me at work, continued to aggressively harras me after I requested a call back at a later time to verify debt. Refused to give an amount allegedly owed. Threatened to have my pay garnished.
Product: Mortgage

Dear CFPB, I currently have a Bank of America mortgage and am unable to contact " customer service '' for any assistance on my loan or impound account. On XXXX XXXX, XXXX, I was " on hold '' XXXX hours trying to reach a representative to ask a simple question about my impound account and finally got disconnected from their phone bank. 
THIS IS UNACCEPTABLE. I am calling about my home. I am a customer. The use of a so called " customer service '' number by Bank of America is hypocrisy because what is going on is instead customer ABUSE. 
Why should I have to wait XXXX hours during my work week to try to speak with a representative about my home mortgage? They should be required to have a call back service or something that does not hold customers XXXX for hours to their negligence, disregard and abuse of customers. 
Please advise what you plan to do about this. 
Sincerely, Customer
Product: Debt collection

To Whom It May Concern : I have repeatedly asked XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency substantiating their claims ( account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to XXXX CREDIT REPORTING AGENCY recent claim that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.
Product: Credit reporting or other personal consumer reports

My bank information, ID, and social security card was stolen today which is why I was trying to place a freeze on my Experian account. I have tried to login online but was unable to verify my identity due to not having access to an incorrect number and address that was provided. I have tried to call Experian customer support over 10 times today to see if I could get ahold of a live agent to solve my problem but was unsuccessful. I somehow entered old info mixed with my new zip code through the automated call and was able to verify my identity to place the freeze. However, the machine said my PIN to remove the freeze would be mailed to me but Im not sure which address the PIN is going to be sent to. This worries me because my credit report will also be included and XXXX cant have that information being sent to the wrong address!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Roughly 6 years ago, I signed a contract with Point Digital Finance in exchange for a loan, which entitles them to a percentage of the equity gained in my home. The methods to terminate this contract/agreement are to either sell my home or refinance, but a refinance requires the property be appraised. Either the home sale price or appraisal price will determine the precise amount of money I owe to Point, in order to terminate the contract. 

At the beginning of XXXX, my home lender, XXXX, hired an appraiser to evaluate the property. His appraisal valued our home at $ XXXX. When submitted to Point to determine the payoff amount, they responded that they wanted to order a second appraisal. The second appraisal was ordered on XX/XX/XXXX and performed on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX. 

The first appraisal fairly and accurately noted the significant disparities in the home features or amenities between my home and the ones used for " Comparable Sales. '' XXXX XXXX did not even note the differences in the properties and therefore blatantly did not follow ethical guidelines for evaluating comparable sales in nearby properties. 

XXXX XXXX failure to abide by ethical practices resulted in an appraisal value of $ XXXX for our home, a difference of $ XXXX, which significantly raises the loan payoff amount required by Point, and exceeds the value my bank is willing to refinance me for, making that not a viable option. 

I have the authority to hire another appraiser to evaluate the property, but under the terms of the contract, the three values are to be averaged, and that number is to be used to determine my loan payoff amount. Even if the third appraisal is performed ethically and is considered within a reasonable amount of the propertys actual value, the appraisal ordered by Point is so drastically different, it is going to inflate the amount Point is eligible to receive, leaving me unable to pay off the roofer who installed a new roof for us this summer.
Product: Credit card

I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX Dear Equifax I am writing to formally dispute accuracy information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these in accuracy as required by federal law recently, the Customer financial protection bureau file a lawsuit against experience for its failure to properly investigate customers, dispute siding, shame, investigations, and other unlawful practice. These practices is outline by the CFBP includes conducting in adequate investigations that fail to address customer dispute properly re-inserting previous disputes and inaccuracy information without explanation, failing to notify customers about investigation results efficiently please review the inaccuracies information being reported provide me with documents. You rely on if this dispute information is verified as accurate ensure that the accurate or verification information is correct or removed from my credit report properly if the investigation conclude that the information can not be verified or remain inaccurate I request the immediate remover of corrections of this information from my credit report. Furthermore, I request in writing confirmation of the action you take and response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFBP and other appropriate agencies thank you XXXX XXXX
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT
Product: Mortgage

PHH Mortgage LN XXXX XXXX XXXX XXXX , XXXX CA XXXX PHH is refusing to release a payoff demand to an authorized third party. Their representative in XXXX stated they are not required to release payoff demands on this file. Their representative refused to let me speak to a manager. We would like an explanation as to why they are refusing to provide a payoff demand. 

***Why do we have to file a CFPB complaint on EVERY short sale we have with PHH just to get a Payoff Demand??? 

I want a payoff demand good for 30 days faxed to XXXX-XXXX-XXXX.
Product: Debt collection

In XXXX, I was without XXXX or any form of medical insurance. I attended the XXXX XXXX through XXXX XXXX XXXX XXXX, a free clinic advertised to the homeless as well as the uninsured. I underwent routine XXXX for XXXX and other basic information, and was billed a few months later without having ever received notice. I should never have been billed as I repeatedly made clear I could not pay, expressly did not sign any agreements to pay, and was told repeatedly that a free clinic would not charge the patient. This was a deliberate lie that was used to trick me into a procedure. I only realized I was billed when I checked my credit reports in XXXX. The date of first delinquency on my CBS debt is marked as XXXX/XXXX/XXXX, yet the itemized bill provided states the date of care as XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Please remove the account below : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Experian forward to me any records from their investigative reports of the personal interviews mandated by FCRA that your company was supposed to have conducted with my with neighbors, friends, or associates of mine or with others with whom Im acquainted or who may have knowledge concerning any such items of information. The company didnt forward to me any of the requested information and have exceeded the time allotted by the FCRA which is 30 days! 
# Tracking XXXXXXXX XXXX XXXX Account # / XXXX Balance / XXXX Date opened/ XX/XX/XXXX I also forwarded the exact same information and request for an investigative report to the above company whereas the requested information per the FCRA was not supplied! 

Tracking # XXXX XXXX XXXX XXXX Account # XXXX Balance/ {$260.00} Date Opened/ XX/XX/XXXX The above item is unfamiliar to me an recently appeared out of no where. No permissible purpose I believe that this item, was disputed once before and Experian deleted this item, the original creditor is XXXX XXXX XXXX XXXX who appears to have sold the account to XXXX XXXX XXXX XXXX 

Copies of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report I filed Copies of an official notice from the College I attended regarding a Personal Information Data Breach at our school
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

TD BANK N.A. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote Experian XXXX of this year by certified mail and by phone I was told these fraudulent accounts would be removed from my account by it still appears on my report I have submitted my police report and my ftc report and they will not respond to me with results
Product: Student loan

I have a loan from Sallie Mae LOAN ID- XXXX, I defaulted on this loan. I got a statement from them and the due date is XXXX XX/XX/XXXX I paid on XXXX, and the payment date was selected on XXXX XX/XX/XXXX. But before XXXX XX/XX/XXXX they put me in default. I have been partly XXXX since the COVID-19 pandemic ( XXXX XX/XX/XXXX ) and have some difficulties with my payments. My loan was on the default list, and it affected my and my co-signers credit reports. I want the default will not report to our credit report. 

Their information was not correct, for this reason, My loan was in the default list, and it affected my and my co-signers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have TJX REWARDS MASTERCARD XXXX that the last time I used It was 2 years ago, on XX/XX/XXXX, I received an email indicating I need to make payment for {$2400.00} I disputed the transaction as fraud and TJX closed card and issued new one and credited the {$24.00}, but on XX/XX/XXXX I received an email account requires attention after calling TJX, It seems TJX transfer $ 24+ {$25.00} late fee $ xx interest but after reviewing the history with customer service of old credit card and the new cards all fees were removed except {$2.00} but the damaged was done it seems TJX collection reported me to credit bureaus that i was late and my credit score from above XXXX reduced to XXXX, XXXX and XXXX and XXXX XXXX reduced my credit limit to {$500.00} and after getting my credit report, TJX reported me to credit bureaus ( all ) that I was delinquent, it seems collection did not review notes on old credit card I have mortgage, credit cards and car loans for over 30 years and never been late, this is devastating.I am XXXX years old and now I have to pay higher interest rate for this errors and now Im considered as high risk so please help to remove the negative reporting in my credit reports from XXXX , XXXX and XXXX .
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX