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

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3800.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone by the name CREDO pulled my credit report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we received a letter stating that our XX/XX/XXXX payment had not arrived. Upon checking with our bank, we learned that our payment HAD been sent as scheduled. When we contacted Bank of American on XX/XX/XXXX, we learned that our payment amount had increased on XX/XX/XXXX due to an updated escrow analysis. We were told that we should have received a letter in XX/XX/XXXX letting us know but we did not receive this letter. We had not received any communication from Bank of America via phone, email or mail that our payment amount had increased. 

Although our regular payment amount had been received by Bank of America for XX/XX/XXXX, Bank of America did not post this payment to our account. 

Upon learning of this payment discrepancy on XX/XX/XXXX, I immediately requested a copy of the escrow analysis and paid the difference in my original payment amount and new payment amount in good faith pending my review of the escrow analysis. Despite this posting error on Bank of America 's part, Bank of America reported my account as past due in XX/XX/XXXX and XX/XX/XXXX. I have disputed this reporting with XXXX, XXXX, and XXXX, but Bank of America continues to state that this was reported accurately. Additionally, I contacted Bank of American on XX/XX/XXXX to request that they update their reporting to the credit agencies but they have refused to do so. 

Attached is the payment history from XXXX XXXX XXXX XXXX indicating that my payments were sent on time as usual as well as the account history from Bank of America showing that they received my payment on time but failed to post the payment to my account. My Bank of America account activity also shows that the amount submitted for XX/XX/XXXX and XX/XX/XXXX were consistent with the preceding months.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments. 

I urge you to investigate this matter promptly and make the necessary corrections. Thank you for your attention and timely resolution of this matter.
Product: Credit reporting or other personal consumer reports

I received a credit report in XX/XX/XXXX where it was posted that I had 6 current loans with Mohela. I am now trying to buy a home and just received a credit report in XX/XX/XXXX where it was posted that I had 16 student loans. On my Mohela account, I am current with my loans and should only have XXXX  student loans. This is negatively impacting my DTI and credit score. My credit score jumped from XXXX to XXXX because of this FALSE REPORTING. I need this resolved asap and Mohela is unable to resolve this issue sending me in circles.
Product: Credit card

I believe the account is invalid. APPLE CARD/GS BANK USA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.APPLE CARD/GS BANK USA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my Transunion Online Dispute or get access to my credit report. I've reached out to Transunion and was promised calls back, but never received them. It just states we are experiencing techincal problems and to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


This account has remained on my credit report despite having sent dispute letters for proper validation and investigation. The credit bureaus are not performing their duties & hope I don't continue with the corrections of my report by stating they're unable to identify me. I then return my identity for the SECOND time to then be told the account has been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2017, I was applying for a mortgage with Academy Mortgage Corporation for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 XXXX  XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems Inc. has a recent claim that XXXX XXXX XXXX has verified that I have an unpaid debt with them. 

Yet again, they have failed to provide me with a copy of any viable evidence submitted by XXXX XXXXXXXX XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX  bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

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 report.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General & # 39 ; s 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. Nov. 14, 1995 ), you may be liable for your willful non- compliance.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with Equifax and found the servicer of my VA mortgage loan " XXXX XXXX. XXXX '' has extended my mortgage by 24 months from a 30 year mortgage to 32 year mortgage. In the comment section of credit report XXXX XXXX reports Loan Modified essentially extending the loan an additional 2 years From XX/XX/XXXX to XX/XX/XXXX. I DO NOT have a mortgage loan modification with them and my account is in good standing. If this is on my Equifax credit report it's more than likely on all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian and service financial on my credit report are listing it as a mortgage type of loan and it is not its is a installment loan i had a roof put on my house and thats what its for theres no lien or anything like that no mortgage no nothing if anything else it could be a home improvement loan or like a credit card iam working on getting a mortgage and this is effectivei g my chances very badly i need it fixed asap ive tried reahing out to both partys mentioned and i get the run around please fix this ive had this loan for a few years and it wasnt reported like this till now
Product: Debt collection

This company has failed to remove this from my credit report. I filed an XXXX dispute against their illegal tactics and they have refused to remove it from my report. They saw the report on XXXX and instead of removing it after I told them of my XXXX XXXX XXXX Automatic Stay order, they just fixed the reporting details so it could not be removed on those grounds. I would like consumers to note the tactics of this company and respond accordingly if you they ever deal with them. Medical Commercial Audit Inc.
Product: Debt collection

I have asked credit collection services to verify the debt they are trying to collect as mine per FCRA regulations and they refuse to respond. Yet they promptly respond to the credit bureaus every single time i attempt to dispute the inaccurate information. I am horrified at the lack of responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against MIDLAND CREDIT MANAGEMENT regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security XXXX is XXXX. Upon reviewing my MIDLAND CREDIT MANAGEMENT credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report. 
Specifically, under Section 1681e ( b ) of the FCRA, MIDLAND CREDIT MANAGEMENT has failed to follow reasonable procedures to ensure that the information it reports is accurate.

Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting MIDLAND CREDIT MANAGEMENT directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, MIDLAND CREDIT MANAGEMENT has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and XXXX. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that MIDLAND CREDIT MANAGEMENT promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that MIDLAND CREDIT MANAGEMENT provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate MIDLAND CREDIT MANAGEMENT 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an alert showing a hard inquiry from Fifth Third that I do not recognize or have authorise. Please correct. Creditor Name : Fifth Third Bank Inquiry Date : XX/XX/2018 and XX/XX/2018. Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.
Product: Mortgage

I am a XXXX XXXX vet currently on XXXX last few years so little late responding I called SPS and asked for help in getting my rate reduced because at that time rates were around 2 % and my mortgage payments were going up because of insurance rates higher and property taxes higher and it was stretching my budget and I was getting stressed out over this. The sps rep said sure no problem go online and file for modification we will be glad to help. I filed online with SPS in XX/XX/. My only income was social security and a little part time job one day a week and was paid in cash of {$150.00}. I received correspondence that the letter that was written for the {$150.00} in cash need to be reworded. I reworded and sent back in again was told needed to be reworded. On at least three more occassions SPS would send me a letter saying not worded correctly. I asked just leave off and I felt they were just stretching this out and basically wanted me to give up. Finally around XXXX or XXXX XXXX XXXX a SPS rep kept me on the phone for 45 minutes while she talked with underwriting and then told me verbatim how to write the letter for the {$150.00} week income, I sent in the letter and then in XXXX XXXX XXXX a SPS rep called me and verbatim told me SPS WOULD EITHER REDUCE THE RATE OR DO A PRINCIPAL BALANCE REDUCTION BUT STATED TGE WERE DOING VERY LITTLE PRINCIPAL REDUCTIONS AND MOST LIKELY WOULD BE A RATE REDUCTION TO HELP ME the REP then stated sps would call me in a couple of weeks to finalize. A couple of weeks later a rep called me a blatantly told me SPS would not so anything maybe I should seek a refinace somewhere and by this time rates were over 6 % I told her what the last rep said and she wouldnt answer me and ended conversation SPS OUTRIGHT LIED AND DECEIVED ME THE WHOLE TIME, I think they just play the game and hope the customer gives up. I am sure SPS has records of all conversations with the customer showing this as they always stated I was being recorded. I wrote three letter to he CEO of SPS explaining all this and even telling him I was being lied to and misled and then would receive a call from a rep stating they want to help but just lies. Look at all the complaints on line even consumer affairs which are horrible. When I first applied with SPS I received a confirmation letter which stated the name of a rep who would handle the whole process herself. I CALLED HER ONCE BUT SHE NEVER RETURNED PHONE CALL AND EACH TIME I SPOKE TO A SPS REP IT WOULD BE A DIFFERANT REP. 
So from the very first correspondence from SPS was a lie
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing up on my Equifax, XXXX and XXXX as collections/charged off when the account was paid in full.
Product: Mortgage

Mr. Cooper mortgage ( formerly Nationstar Mortgage ) increased my mortgage bill for apparently no reason. I contacted them asking why they increased the bill. They said I had missed an escrow payment. However, I did not. I have made every single payment well in advance and for the exact amount indicated on the bill, every time.

They failed to remediate the situation and have evidently just stolen the amount from me ( in the form of increased monthly billing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed my date of first delinquency for my XXXX XXXX. trade line with Experian and each time, they've changed the date the trade line should be deleted. The most recent deletion date was to be XXXX, 2021 and it is still on my credit report. I believe it should've been earlier but had to accept this date and Experian nor the other credit bureau agencies deleted the trade line.
Product: Debt collection

TCPA violations can result in penalties of up to {$500.00} per violation, with willful violations trebled up to {$1500.00} per violation. There is no cap on statutory damages so thousands of violations can result in millions of dollars in penalties. 

NAVY FEDERAL CREDIT UNION HAS CALLED ME 102 times = {$23000.00} For violating my consumer rights and Financial harnesses send my check too : XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose