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

On XX/XX/2023 i mailed a certified letter to Experian which was received and delivered on XX/XX/2023 at XXXXXXXX XXXX, I never received ANY RESPONSE back of the investigation i requested about the inaccurate accounts you are reporting, then i sent another letter certified delivered XX/XX/2023 XXXX XXXX  certified asking for a response to my previous letter and investigation and i still didnt get a response and i feel that i am being taken advantage of and ignored of my disputes section 611 ( a ) it plainly states failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report, it has been over 30 days so they should be deleted promptly and clearly you are violating my laws and the fair credit reporting act. i demand these accounts be removed and deleted immediately.
Product: Credit reporting or other personal consumer reports

I have loan with XXXX XXXX  XXXX. I have always made my payments on time. Ive contacted the bank about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Vehicle loan or lease

CHRYSLER CAPITAL SHOULD FACE LEGAL, CLASS ACTION CONSEQUENCES FOR DAMAGING CONSUMERS DURING COVID-19 PANDEMIC. Our family makes its living from the Corporate Travel business, which was completely shut down due to the government travel bans locally, nationally, and globally ; as well as, stay at home orders due to COVID-19. At the inception of the pandemic, we immediately and proactively reached out to our creditors, citing a willingness to work together in an equitable fashion, to try to meet our obligations. We expressed how important maintaining our credit standing would be, so we could attempt to sell our home to get to equity. We also suggested an abated payment period with accrued interest and a balloon at maturity. Our multiple calls to Chrysler Capital ( which are recorded ) fell on deaf ears, and our credit report reflects delinquencies, now causing us declines for loans that would assist us in downsizing our expenses. Chrysler Capital never offered any assistance, and placed numerous, hounding collection calls. Now we are met with 30, 60, and 90 day delinquencies posted and our credit score and comments damaged. We have expressed that we are still willing to work together, and have also cited that under Texas Law, contract frustration, impracticability, impossibility, force majeure, and government intervention are all defensible, which, if we don't receive some sort of partnering effort, will be invoked to render the contract obsolete. Many of our creditors have been empathetic, and have abated in equitable fashion, and have noted our account as always current, and affected by natural disaster. Please force Chrysler Capital to work with consumers to get through this. We are all in this together!
Product: Mortgage

I have a VA loan and I was given a loan modification verbally over the phone. I never received the paperwork that I was supposed to sign in the mail. Again, I was only verbally advised. By the time I did receive the paperwork to sign and send back it was too late to make the payment. Every time I called in it was a different person providing me different information. This was very confusing to me every single time I spoke to a person it would be a different story. XXXX was very well aware I did not receive my modification paperwork. At this point I retired military as well as XXXX XXXX Ive been in the military for over XXXX years and the way my VA loan was handled is unacceptable. Im going to lose my property due to the fact that the money source did not properly handle my file. 
I want nothing more than to be given a fair chance at making my payment. The amount if times I spoke to the Money Source should be documented and should extinguish any attempted excuses from them. 
I did not fight for my country, risk my life, in order to lose my home because the Money Source hired incompetent employees who neglected my file.
Product: Debt collection

My XXXX year old son visited XXXX in XXXX, IL. At his 10 minute XXXX it was determined that they could not help him and told him to go someplace else. No mention of any charge was made and no co-payment was collected. He left thinking that it was the end of it, but a year and a half later, I received a bill from a collection agency for {$310.00}. During this time I had not received a itemized bill or any communication from them. He has not received an itemized bill or any communication from them. When I called to complain to Certified Services , Inc . I was told that they do n't have to bill you and they can turn you into collection the minute you walk out the door, if they want to. 
And, they can turn you into collections up to 6 yrs later if they feel like it. 
I do n't feel that it is good business practice to turn someone into collection, a year and a half later after absolutely no billing or communication whatsoever. I even question whether this is legal.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX XXXX, account number XXXX XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX XXXX. 

Upon information and belief, XXXX XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX  Account. 

Upon information and belief, XXXX XXXX XXXX  failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXX  Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX XXXX rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the XXXX XXXX XXXX Accounts to third parties.
Product: Credit card

There is an item on my Credit Bureau reports that is from Citicards showing a charge off. I have requested numerous times for an itemized breakdown of all charges and credits a copy of the application and who made the charges. Have never received a response. The account is now out of statutes. Texas statutes is 4 years the date of last payment is XX/XX/2011 I called citicards today and offered them a settlement and they refused any money for a settlement because the statutes had expired!!! they informed me that the listing on the credit bureau length of time is up to the Credit bureaus. I called XXXX and the told me 7 years. 
The problem is Citicards refuses to settle and I cant get the credit bureaus to remove until after 7 years. seems only right to me that if the statutes have expired and Citicards refuses to settle, the entry on my credit bureau reports should be removed -- please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX.DOB XX/XX/XXXX, SS XXXX my address is XXXX XXXX XX/XX/XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XX/XX/XXXXXXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.
Product: Debt collection

NorAm Capital Holdings, Inc. 
collecting for XXXX. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XX/XX/XXXX due to expenses from the death of my husband and they are reporting it as opening in XX/XX/XXXX. They have re-aged the account to try to keep it active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have requested a debt verification letter from Merchants Credit Guide ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Phone Number XXXX XXXX XXXX XXXX XXXX, on 3 different occasions. I am told each time of a new issue as to why they can not verify my debt and/or send me this debt verification within 30 days. Each representative says they will request a new debt verification once again. This has been going on for months now. I have asked for this debt to be deleted as it is fraudulent and they can not provide me any verification and the company refuses to do so.
Product: Debt collection

I received an anonymous call from someone claiming to be a process server. They called from a blocked number. They told me that I must call XXXX otherwise I would have to appear in court. I was afraid and I called the number. I spoke to XXXX and he told me that I would have to go to court if I did not make payment arrangements to pay a Wells Fargo debt. He took my debit card information and indicated that they would email me a letter that I must sign. After getting off of the phone with XXXX, I called my daughter and she suggested that we call them back to seek clarification because it appeared to be a scam. I gave XXXX permission to speak to my daughter and my daughter requested the case number for the legal complaint. XXXX directed us to his supervisor XXXX XXXX and XXXX XXXX became extremely rude when my daughter requested the case number and or law firm that filed the complaint. XXXX XXXX stated that he could not provide the case number because it is immediately removed from public records once I have entered into a payment agreement. What XXXX XXXX did next was extremely offensive and unprofessional. He pulled up information about my daughter and told her to stop pretending to be an lawyer and he knows that she only owns a food company. He mentioned the name of the food company and continued to berate my daughter. What XXXX XXXX did n't know, is that my daughter is an attorney in Florida and she was only attempting to assist me in verifying that the company was legitimate. I am requesting assistance with this company because it has cause me a lot of distress. They now have access to my account information and I 'm afraid that they have unlawfully debited my account without providing me verification.
Product: Mortgage

To who it may concern, Loan officer pulled credit report from all three credit breaus. The simple fact is it happened without my acknowledge and I made it clear from beginning I do n't want the credit report pulled. I made it very clear from the beginning of my conversation that I do not want to pull my credit before I am ready to do the refinance with the loan officer. I expressed it in writing by text message ( see attached screenshot ). 

I have contacted loan officer 's branch manger and he refuse to resolve the issue. 

Thanks for assisting with this matter and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was opening mail concerning a credit card I applied for at XXXX. They reported that I did not qualify for the lowest interest, and stated it was based on my credit score and credit report. 

In the body of the letter I received it stated that under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact : Equifax Credit Information Services , Inc., XXXX XXXX XXXX, XXXX, GA XXXX, XXXX http : //www.equifax.com. 

I then called the phone number to request a copy of my free report. I spoke to XXXX, and was then asked a lot of questions : my full name, my ss #, my address, my home mortgage holder and amount of my mortgage, my car loan provider and the amount I pay, my other credit card cards. 

At this time I felt I was providing information to a scammer to use against me to get my identify for fraud. 

I then asked to speak to her supervisor. After a lengthy wait I spoke to Supervisor with first name as XXXX. She said that they have to ask me these questions to ascertain whether I am the rightful holder of the credit information. I asked them how may ways do I have to confirm who I am am. Send me my report and I will report any reporting errors. I then stated that I feel this is unreasonable and unnecessary since I do not think that you asked XXXX XXXX for all this information about me BUT you sent them a report on me. 

When I asked where the supervisor where she was located, she announced the XXXX. When I told her that this smacks as your company trying to get my information to steal my identify and that I do not feel secure answering anymore questions. 

I then asked for her supervisor and she said that her supervisor would tell me the same thing. 

I then told her I would report this company to the XXXX XXXX XXXX and the Consumer Finance Agency. 

I then stated I would like her to hang up so that I can take the survey they asked me to take at the beginning of the call to tell them about my experience and to tell them how dissatisfied I was. She then wished me a good day and hung up. Then a voice next came on the call said to take the survey, press 1, which I did the connection was severed. 

I believe this company and its operation is fraudulent and as I see from many other same complaints, it should be investigated for misuse of information, not providing what they profess to provide and action taken against them to rescind their license to be credit reporting agency and the public be informed that it is not an authorized credit reporting agency. 

I also request that an investigation be made into their call collection information such as the one I experienced and whether it leads to identify theft. 

I will be following up with my congressman on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** _XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX, FL XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Employment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX   XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are  all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** _XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XX/XX/XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
_XXXX XXXX Inquiry : XX/XX/XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
_XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX This account is not belong to me. Delete it!!!
Product: Debt collection

first collection resources is attempting to collect alleged debts owed on behalf of XXXX XXXX. XXXX XXXX has informed me that a third party was used to gather my personal information. no transactions between me and XXXX XXXX ever occurred. no transactions between me and first collections ever occurred.no transactions from me and XXXX XXXX  ever occurred. The policy was written by XXXX XXXX, underwrritten by XXXX XXXX XXXX. By XXXX XXXX own admission they used a third party ( XXXX XXXX  ) to collect my information and now is using a fourth party ( first collections ) to attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened : XX/XX/19 - setting up an online account with Social Security Admin - blocked & was told that it was due to a freeze on my Equiffax credit account. Was advised to wait 24 hours, contact Equifax to lift the freeze before trying, again to set up the Social Security account.

XX/XX/19 - contacted Equifax about temporarily lifting the freeze on my account. Provided my name, address, phone number and Social Security number. I was then informed that they could not access my account because " some information was missing ''. Was advised to wait 7 to 10 days after mailing the following, additional information : a : copies of drivers license and social security card b : cover letter detailing my request, e.g. account verification, online access to self management of credit freezes.

My Complaint ( s ). 1. ) I am disappointed that the Social Security Administration requires access to Equifax in order to set up online accounts. Considering the Equifax data breach, I would have expected a better solution would have been used. I also find it frustrating that there is no indication of this requirement in a prominent place on the SSAdmin web pages related to setting up new accounts. 2, ) I have been extremely disappointed with all my previous dealings with Equifax. After the data breach I thought they might be forced to clean things up a bit. Having now experienced their convoluted verification process first hand, I see nothing much has changed with how they impede consumers.
Product: Debt collection

On my credit report I have a debt listed for over {$7700.00} from LVNV funding. I sent the first letter on XX/XX/23 asking for validation of the debt. I was sent back a blank contract and an XXXX spreadsheet with my name and numbers next to it. I again sent another letter on XX/XX/23 ( both letters were sent certified mail ) asking that the debt be validated, and if it was not validated for the information to be removed from my credit report. Again, I was sent the same blank contract with my name with numbers next to it in what looks like an XXXX spreadsheet.
Product: Bank account or service

XXXX XXXX sold my loan to BSI Financial and I am trying to pay off my loan. I can not get anyone at BSI to cooperate. My new loan is now stalled awaiting their reply to my repeated requests for a payoff of this loan
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is the fifth time Im reaching out to resolve this matter. Ive reached out to both XXXX XXXX and XXXX neither of which has been able to provide proof of authenticity yet this account has remained in my credit report effecting my personal finances causing me to suffer as a result of XXXX and XXXX error XXXX My next course of action will be to start the process of taking this issue to small claims court seeking damages for the blemish to my finances.