23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im honestly stunned to see inaccurate accounts on my credit report today, and I cant figure out the reason for it. I check my credit report regularly, and its always been accurate until now. I refreshed my browser, thinking it might just be a loading issue, but the errors were still there. Because of this unexpected issue, Im requesting a thorough review of my documents so I can put these concerns behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are reporting on my credit report an account with XXXX  XXXX XXXX  XXXX OPENED ON XX/XX/XXXX!!! This account is TEN years six days old and negative information is XXXX years old. It was never reopened it is erroneous reporting by XXXX XXXX. 

These account is greater than TEN years old as of today XX/XX/XXXX. 

XXXX, Equifax, and XXXX  XXXX  are reporting this in violation if FCRA and UDAAP by this creditor. 

The reporting must be removed as it exceeds the statute of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/08 XXXX/precheck released criminal history older than 7 years and did not report the case as dismissed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Freedom Mortgage is my mortgage company effective XX/XX/XXXX. XX/XX/XXXX I was offered a 6 month forbearance due to loss of employment associated with the Co-VID 19 pandemic. During the 6 month forbearance I missed one mortgage payment. The month of XXXX I spoke with a representative to learn my options with paying back the missed payment ; 1 ) Pay back all missing payments in full 2 ) request a Partial Pay Claim Review. I opted to go with the Partial Pay Claim Review. I was told a representative from that department would be in contact. XX/XX/XXXX I made another call to Freedom and reported my XXXX request of a Partial Pay Claim Review and wanted an update but they had nothing on file. I made another request. XX/XX/XXXX I received a document in the mail from Freedom Mortgage that I did not understand and called Freedom to ask about the document and obtain an update on my Partial Pay Claim Review and again nothing was in the system. The representative reported they would submit my request and my first mortgage payment would be due in XXXX. The rep stated I needed to miss two payments to qualify for the Partial Pay Claim Review. Today I called Freedom Mortgage about my Partial Pay Claim Review request and they reported there was no request in the system for a Partial Pay Claim Review but my forbearance had ended and I was to resume paying my mortgage. I was transferred " Single Point of Contact '' department and spent 1 hour 32 minutes on a phone with a representative explaining the above. The representative was speaking with a supervisor during our call who was providing feedback. The supervisor stated in order for me to receive a Partial Pay Claim Review I needed to go back on the forbearance, wait two weeks for it to process and then call back stop my forbearance, request a Partial Pay Claim Review and see if I will be approve. I was so frustrated I began to cry! I told the rep I have already done this 3 times - XXXX, XXXX and XXXX. Now you are stating I have to do again and what assurance do I have my request will be submitted. I do not know what else to do?? I need help with this situation and I am hoping I can receive assistance
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address : this address is not mine ( XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for experian. transunion is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see this is agains the law and is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. 
The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due.

After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX, 2018, my credit score from the 3 agencies are as follow : Experian : XXXX XXXX  : XXXX XXXX : XXXX The stunning difference between Experian and the other 2 is striking. I noticed that XXXX, through its associated cie 's like XXXX, XXXX XXXX and XXXX XXXX, lowered by credit limit over 5 times this past year for cards associated with these accounts, which all showed in my Experian credit report. It appears that this led to my already low Experian score to get even lower. By 9 points!!! 

This makes no sense, whatsoever. I got the store credit card to finance some purchases, like a lot of other people. Paid in full, 100 % on time. Then this " stale '' credit I forgot about gets lowered because the parent company wants to penalize me for not using their card, and somehow this can draw my credit score by 9 points in the past few months? Really? Are you kidding me Experian? To give you and idea, I lost 14 points for short-selling my house, for crying out loud ... Get real. 

My complaint is that Experian system of calculating the Fico score is completely out of touch with reality, lacks proper gauge for credit score changes, and is out of sync with other agencies. I pay my mortgage religiously, my kids ridiculously expensive after school program, my car loans, contribute to my 401K, my kids 529 plans, have plenty of cash reserve in my account, have a 7 figure net worth and yet, none of this matters. If some rando furniture cie decides to lower my credit limit on some card that I do n't need anymore then, by all mean, that mandates tagging me as a financial problem in the eyes of Experian. 

Experian should be excluded from credit pull if their system is unreliable and disconnected from reality. I am about to refi my mortgage, and the idea that these idiots have a say in this is mind boggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$77000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a summary report from XXXX XXXX XXXX XXXX regarding my HELOC account. The report was run from XX/XX/XXXX through XX/XX/XXXX. It reports only ( 1 )  payment was transferred via online banking on XX/XX/XXXX with a reporting of a {$0.00} balance on XX/XX/XXXX. No other account activity has occurred through XX/XX/XXXX. This incorrect reporting of a balance due is seriously harming my credit score. This line item needs to report a {$0.00} balance. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : TRANSWORLD SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill,  or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected.

Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX   University that gave you the right to collect this debt
Product: Credit reporting

Account XXXX from the XXXX XXXX. XXXX XXXX is reporting inaccurately on my consumer credit file. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Please take the necessary measures and properly investigate the inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act PROFESSIONAL DEBT MEDIATION, XXXX XXXX, XXXX XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX/ XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XX/XX/XXXX, XXXX XXXX XXXX / XXXX , XXXX XXXX/ XXXX, XXXX XXXX XXXX / XXXX Balance {$3600.00} and XXXX XXXX XXXX XXXX - Balance {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to XXXX. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with XXXX because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with XXXX saying they will raise my score by 12 points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about Transunion, but all 3 are always listed on the *free-not free* free credit report page.
Product: Debt collection

On multiple occasions since XXXX they have harassed my elderly grandmother who is the cosigner on my student loans prior to them gaining the account. I have asked them numerous times to not contact her due to them causing her health issues once they talk to her by working her up by what they say to her and putting fear Into her on multiple occasions. Up until today XX/XX/XXXX they have continued to contact her via mail and phone. And now are talking to other family members who have no authorization to know my buisness and are disclosing information to them. This company called Tassman credit claims they work with customers but on numerous occasions I have tried to ask for payment plans that work with my financial situation instead they proceed to tell me I need to provide full amount I owe or ask my XXXX XXXX  for funds to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( 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 should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  NXXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Closed accounts charged off should not be on credit report
Product: Credit card or prepaid card

Per Discover 's request, here are the information they are requesting to remove the restrictions again
Product: Checking or savings account

I have been accessed numerous excessive overdraft fees. The fees have been charged even for transactions that were declined or not covered/paid. I am also advised per a phone call on XX/XX/08 at XXXX that this bank charges a {$36.00} overdraft fee every XXXX days when the account is overdrawn even if new transactions do not come through. This is in addition to a monthly maintenance fee as well. I have called to request a credit for fees they advised they give a credit for only fees every so often and that has already been given to me. Yes this was during the XXXX timespan. I have asked them to produce documents I signed asking them to allow transactions when the account funds are unavailable and they will not produce them. The hold times to get a rep on the phone for basic customer service exceed XXXX minutes every time you call then they do not help. This problem has come about only since the merge took place and the bank became Truist. I am on XXXX income. I work part-time and lost work time due to COVID I am still struggling and this bank has charged me hundreds upon hundreds of dollars in overdraft and account fees. They even charged a fee for a credit that was submitted to my account for a returned purchase. This bank needs to be investigated. They are absolutely violating laws with their practices. I will also contact attorneys about a class action lawsuit. I am happy tp provide copies of bank statements and other documents you need to process this complaint. This problem is big enough that bills have been presented to protect consumers from these very deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NORDSTROMTD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX  NORDSTROMTD and XXXX. with no successful resolution. There was definitely an error on their part.
Product: Mortgage

BSI will not respond to my multiple requests to show evidence that they have applied my lump payment of {$130000.00} to the principal amount due. I want proof as well as PAPER statements. Documents are not available anywhere on the website. it is impossible reach a customer support representative. They only have a voice mail and never call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try several times to reach out to Lendmark and have got no reply. In XX/XX/2020 I sent a letter asking for proof of this is account and i have yet to receive anything. Four months and NOTHING this is crazy. I'm asking for a difficult letter here only want to know about this.