23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my profound frustration and annoyance concerning the sudden appearance of a multitude of unauthorized accounts on my credit report. This egregious error has arisen from fraudulent activity, and I demand an immediate and thorough investigation to rectify this situation promptly. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! 
I recently discovered a multitude of unauthorized accounts on my credit report, and I am appalled at the lack of oversight that has allowed these fraudulent entries to tarnish my credit history. This fraudulent activity has the potential to wreak havoc on my financial standing, and I insist on immediate action to rectify this grave error. I demand an urgent investigation into the origin of these unauthorized accounts and their immediate removal from my credit report. Immediately delete all unauthorized accounts listed in the attached document from my credit report.
Product: Mortgage

Cardinal financial has mislead our family so many times over the course of a few months while working with them to obtain our home loan. They have requested documents which are NOT required as this home is a VA loan and some documents simply do not even exist. We were approved based on accurate information we gave, then we are days from closing XXXX we are being told they now require documentation that was not initially required, nor is it a requirement of the VA funding process. Our family who is a military service family has already invested nearly {$1000.00} in this process. I want Cardinal financial to be held accountable for not only what they have done to our family, but also I would like for their offices to be investigated as we are not the only ones to have this happen. We have emails, and documentation including recordings ( allowed in AZ ) to further prove our claims. 

Thank you for your help in this matter XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXXXXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX and XXXX on XX/XX//2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account ending in : XXXX I contacted XXXX XXXX on multiple occasions during the stent of my loan I was activated for Military Orders. I asked information on how to submit Supporting documentation for any applicable XXXX benefits. I was never provided an accurate number and never received confirmation my documentation was received. My APR % XXXX was not lowered during anpplicable periods. 

I believe that late payments were reported in error on my credit report this action was not corrected nor was I provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$6.00} and charge offs amount {$5800.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$6.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX ; past due {$6000.00} XX/XX/XXXX and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Offs - L in XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX A Charge Off/Close Account must show NO Payment history or consecutively as L reported on my credit report. 

4. Delete this account, because it shows credit limit {$6000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I received a call from XXXX stating she was a compliance officer and was sending someone to my work place to make contact with me and take me in for a court proceeding. She couldnt provide me any information pertains to her office name, address, location, etc. she gave me another phone # XXXX and reference # XXXX. She then called my work and told my operational manager I was rude to her because I was asking for her company information. I then called the # and gave them the reference # and spoke with XXXX and XXXX XXXX both were not able to give me any company information other than the company name of Assurance and that it was for a debt with Ace Cash Express. I asked who do I pay. They told me at this point they dont want my money they are coming after me. But they still wouldnt provide me any information as to what kind of case, case #. They told my operational manager they were coming to apprehend me and couldnt provide her with much information either.
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXXt Account # XXXX Account Name : XXXX XXXX Account Balance : XXXX Account # XXXX Account Name : XXXX Account Balance : XXXX Account Number:XXXX  Account Name : XXXX Account Balance : {$370.00} Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Balance:XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Balance XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX. I sent out a dispute to XXXX Equifax and a direct dispute with the furnisher on XXXX. I spoke with XXXXEquifax several times on the phone about the ongoing dispute with XXXX XXXX XXXX XXXX XXXX I was assured by represenatives of both companies that the dispute was in process and would be finished XX/XX/XXXX for equifax and XX/XX/XXXX for XXXX. I disputed this account with both agencies several times. XXXX never updated the file until XX/XX/XXXX and for the dispute initiated on XXXX, when the process was finished XXXXequifax did no update to the file or entered a notice of dispute over several disputes, showing that once again XXXXEquifax involved its self in dirty practices to keep this illegal file on my report. I suspected that indeed both XXXX and Equifax were lying about doing any investigation at all. So on XX/XX/XXXX I called the collection department for XXXX XXXX XXXX XXXX to discuss the ongoing dispute, which I was told by both companies was still on going. The Rep. For the data furnisher told me he had no idea, clue or indication of any on going dispute at the time both agencies claimed to have notified the furnisher and a dispute was indeed in process. I waited to see the outcome of the dispute and there was no update to the file at XXXX / Equifax or any notice of dispute entered into the comment section over the span of several disputes. Each agency reports different information about the same account At Equifax it was once reported XXXX, XXXX, XXXX, XXXX and now XXXX late payments. How could this be considered accurate. XXXX shows account closed on XX/XX/XXXX but has several late payments after close date. With XXXX late payments go from 60 days straight to 120 days in one month, how can this be accurate. On XXXX XXXX direct dispute was sent to the data furnisher via USPS certified mail. I informed both XXXXEquifax that XXXX XXXX XXXXXXXX XXXX failed to uphold their obligation to respond to the dispute in the allowed timeframe. In fact I never received any response from the data furnisher at all. Recently I wrote both agencies requesting method of verification for the XXXX XXXX XXXX XXXX account. I have uploaded copies of my credit report to show the numerous changes in the data from equifax. Each reported after a dispute as true and accurate. the reports will also shoe no notice of dispute and for transunion no updates for months. Even after dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX XXXX reported hard inquiries on my credit report without my consent. I 've contacted the creditor with no success of removal
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed 3 different accounts that do not belong to me. Those accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have never done business with these companies. If any payments were made to these accounts they were not made on my behalf
Product: Debt collection

A company identifying themselves as FIRST STEP GROUP contact me through a letter dated XXXX XXXX XXXX about an alleged debt that do not belong to me, and is many years past the statue of limitations.The letter stated that they are collecting on behalf of XXXX, XXXX.This account fell of my XXXX credit reports about 4yrs ago.the company letter also stated ; THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.BECAUSE OF THE AGE OF YOUR DEBT, XXXX , XXXX WILL NOT SUE YOU FOR IT, AND XXXX , XXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.I contacted XXXX XXXX XXXX and was told by them that they do not have an account with my name on it on file.It is my belief that this company is trying to collect a debt that is way past the SOLand a debt that do not belong to me.I have disputed this debt with them and have not received any verification as of this date XX/XX/XXXX.This is a matter that dates back to XX/XX/XXXX
Product: Mortgage

We have had our mortgage with Astoria Federal Mortgage Corp, recently changed to Astoria Bank, since XX/XX/XXXX. We have had an adjustable rate with this lending institution from day one and have been trying for 10 years to modify our loan to a fixed rate so it does n't continue to adjust yearly. In XX/XX/XXXX we tried for a modification, but we were denied because of lack of income and the collateral was not sufficient. But we continued to pay our mortgage for the last 10 years and have never missed a payment until XX/XX/XXXX. On XX/XX/XXXX our family encountered a true and devastating hardship. With a 2 day notice and no severance pay my husband lost his job of 15 years unexpectedly and through no fault of his own. We reached out to Astoria on XX/XX/XXXX and spoke with XXXX and she reassured us that this happens and our payments would more than likely be reduced our rolled into the end of our loan. We were hopeful. We immediately filed paperwork with the Loss Mitigation Department at Astoria. We contacted the Hope hotline and talked with a counselor, XXXX, who told us we were clearly eligible for certain programs put in place by the government to help families like our own. We also reached out to our local HUD agency and worked with a counselor, XXXX XXXX. Well after all that we received a phone call from XXXX XXXX from Astoria on XX/XX/XXXX ( but just received something in writing through an email today XXXX/XXXX/XXXX which put us past the 14 day appeal window ) that the committee would again deny us any modification because of lack of income ( no kidding ) and that they do not participate with HAMP. Lack of income is the reason we are in this situation in the first place. So at that point we were 2 months behind on our mortgage and incurred 2 late payments of {$160.00}. Our credit score dropped XXXX points in 3 weeks from excellent to fair. We are responsible people and have always paid our bills on time. We are still just trying to provide for our XXXX beautiful children on what little savings we have. We did come up with the past due mortgage amount and are now current on our loan. My husband is back working and we are trying to get back on our feet. We just want a modification so our rate does n't continue to change yearly. Sad when we have continued to pay our mortgage when they said we could n't, but with no help ever in the past 10 years, Astoria just continues to adjust our rate yearly. Predatory lending at its best ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into possibly buying a home and inquired with " The XXXX XXXX XXXX '' who then passed my information on to Peoples Mortgage. I wanted to have a conversation about the home buying process and get some questions answered. A XXXX XXXX of Peoples Mortgage contacted me and asked some short questions then told me he would put me in touch with his associate XXXX XXXX who would further answer my questions but to fill out the online application before my conversation. The form has you fill out all this information then goes on to mention after submitting all personal docs and income that moving forward gives permission to run credit. I thought, " well how/why would they run my credit before speaking to me. I send an email to both XXXX and XXXX that I do not want my credit run because I don't even know anything about you company nor the process, and I still have questions. XXXX replied to my email, " certainly. '' On XX/XX/2022, I had a conversation with XXXX and quickly determined that he was only interested in pressing me to move. I verbally mentioned to him again that I do not want them to run my credit because I was merely making an inquiry, gathering information about the home buying process to determine what my next steps were. He again agreed, then dismissively went on to ask me what my apprehensions were about buying a home. I explained I am researching the process and further into the conversation realized that I did not want to work with him and politely wrapped up the conversation with, I am not ready and still have some work to do. XXXX replied, " ok when you are ready, just give us a call and we can get going. '' On XX/XX/2022, I received an alert from my credit monitoring app which informed me that there was a hard inquiry. When I logged in, I saw that there was an unauthorized credit check for a mortgage through XXXX XXXX, and XXXX. I am disturbed by this and tried to call XXXX and he did not take nor return my call. I sent an email and he casually apologized then posted my credit score in the email and stated that " I was all good '' and " how would I like to proceed? '' This was underhanded dishonest of XXXX! Peoples Mortgage and XXXX XXXX are now known to me as company and mortgage lender that should not be trusted. I will never do business with them and I will warn others.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Old CFPB Case:XXXX Never Got Resolved.
I have completed all the steps which I was told to do by Citi Bank They have never issued {$300.00} Bonus to my account.
Product: Credit reporting or other personal consumer reports

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : Equifax, XXXX, and [ Furnisher of Information to Credit Agencies ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations.

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party.

Please confirm in writing within 10 days that you have complied with my request. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed XXXX account that is not mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

The account that I found on my credit report that is not mine. I'm going to list it below. 

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

My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.
Product: Credit card

Discover Card offered me a XXXX percent rate for life in XXXX which expired in XXXX XXXX unless I made XXXX purchases a month. I accepted and transferred a balance. I also was moving and subscribed to online statements, electronic notifications, and autopay. After several years now, I have discovered they expired my promotional statement in XXXX XXXX with no advance notification. Alot was going on. Several moves later and a change of bank and I looked at my Discover Card bill to see interest charges. When I produced the original paperwork my card came on ( but not he card holder formal agreement ) it lists the zero percent rate and footnotes that it is expiring in XXXX XXXX but is extendable if I meet the extenstion required transactions per month. They have now denied this, said they do not keep records longer than 7 years, and can not produce my original cardholder agreement. The fact that I do not have the formal cardholder agreement has encouraged them to decline my request to refund the interest paid even though they can not produce the original agreement either. Clearly I am upset. can you assist? thanks!
Product: Checking or savings account

I am writing to formally file a complaint against Santander Bank regarding the reporting of a fraudulent checking account that has been opened in my name. Despite my valid Social Security number, Santander has linked this account, which I did not open, to my XXXX XXXX and XXXX XXXX XXXX report. The account in question was reportedly opened using an invalid Social Security number, yet it remains associated with my legitimate information. I have contacted Santander multiple times to dispute this issue and have requested proof of the account opening. However, they have failed to provide any documentation to substantiate their claim.This situation has caused significant distress and has harm my XXXX XXXX and early warning account opening ability standing. I respectfully request your assistance in resolving this matter and ensuring that Santander Bank XXXX this erroneous reporting on my file.