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

XXXX, Equifax and XXXX needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX Date opened : XX/XX/XXXX - $ XXXX-as paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX  Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Product: Credit reporting

My XXXX score is lowered due to " Lack of recent installment loan information '' and " Too many accounts with balances ''. The source of the information is reported to be Equifax. With regards to " installment loan information '', the XXXX report says my Equifax credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. '' I have no loans, so this is what should be reported, and my XXXX score should not be lowered based on incomplete information by Equifax. With regards to " too many accounts with balances '', I have no account balances. I pay my credit card charges at least weekly, and the temporary balance for a day or XXXX is never more than 5 % of the limit on the card and is usually under 1 % of the card limit. My Equifax report contains errors, including data pertaining to individuals other than myself, which I have not been able to get corrected. They may be reporting those individuals ' charges to me. To resolve this, I would like to know what account balances Equifax thinks I have which are being used to lower my XXXX score. Thank you.
Product: Debt collection

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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. 


Experian 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

Dear EQUIFAX MORTGAGE SERVICES : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, EQUIFAX MORTGAGE SERVICES, was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon EQUIFAX MORTGAGE SERVICES to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX sent me a letter stating that they could not accept the loan terms offered by the car dealership where I bought my vehicle at, but would be willing to accept a counter offer instead. However, I have already signed the paperwork, and put a down payment on XXXX XXXX 2017. I also signed the agreement for which the amount due per month was agreed upon. Ally can not change the terms now that they have been signed and whereas I have been driving the vehicle for over a month now.
Product: Debt collection

On XX/XX/2019, ASSET RECOVERY SOLUTIONS , LLC, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/2019 : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/2019, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. ASSET RECOVERY SOLUTIONS , LLC committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if ASSET RECOVERY SOLUTIONS , LLC had not confused and extorted money from me.
Product: Credit reporting or other personal consumer reports

Equifax XX/XX/year> XXXX XXXX XXXX {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} Theres no original contract or no original ink signature. 

XXXX XXXX XXXX {$12000.00} Past the statute of limitations XXXX {$8400.00} Theres no contact info available for this creditor
Product: Checking or savings account

On XX/XX/XXXX, chime closed my account suddenly without any notice. I had my salary direct deposit that was suppose to come into my account on XX/XX/XXXX When you call chime, they dont help you and tell you to email them. And so I did. I emailed them and they said during routine security check, they needed to verify my identity. So I did. I submitted my license front and back. My utility bill and my passport. They renabbled my account again the next day. And then, on XX/XX/XXXX chime closed my account again after verification. And I had another paycheck coming in on XX/XX/XXXX. Not only did chime suddenly close my account without any notice. They messed up life to pay rent bills. I also have a XXXX XXXX XXXX. I contacted chime again and they said they closed my account due to internal policies. What on earth did I do? I am a XXXX XXXX XXXX Living paycheck to paycheck. I have a XXXX XXXX XXXX. They said they can not re enable my account. Man, chime messed me up in so many ways financially you have no idea. Im money less and I cant buy food or pay bills. I have no check till next month.
Product: Checking or savings account

Its been over XXXX months my account was closed for no reason I have over {$9000.00} in my account and Robinhood wont give me my money its been XXXX months
Product: Credit reporting or other personal consumer reports

I didn't ever open a XXXX XXXX account, a CURRENT acct or XXXX XXXX XXXX acct and it says I did on my credit report
Product: Credit reporting or other personal consumer reports

Greetings, I am sending this complaint to follow up request the investigation into the fraudulent inquiries on my credit report. I ask that the three Credit Bureaus conduct an investigation intothe fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : XXXXXXXX XXXX Account XXXX : XXXX
Product: Debt collection

Debt Collector is attempting to collect on a fraudulent account that is not mine I sent an Affidavit of Fraudulent Application on XX/XX/2014 to the creditor.
Product: Mortgage

My husband and I bought a house XX/XX/1998. We have paid on this loan until the present time. During XXXX I was without work for a while. I called my mortgage company which was Shellpoint at that time, to ask about getting a loan modification. They set me up and told me that we could go several months without paying due to XXXX. So I took advantage of that. When the months were up, they wanted the total amount due from all the months that I missed. Well, obviously I could not do that. So I asked for a loan modification. I didnt think anything about it because they recommended it and told me dont delay take advantage of this great offer. They sent the document for me to sign. It was XXXX pages long, and I will admit that I did not read every word of it. But the part that I did read led me to believe that they were giving me a trial. To make a payment on time for XXXX months. And then they would modify the loan in order for me to catch up or to add it to the end of my mortgage. As I had done the same thing with my car loan during XXXX. I signed the papers and did not realize until a year and a half later that my principal was going up and was way more than what we first paid for the house And all the years we financed and paid on it. I just so happen to see the principal balance XXXX day on my statement. At first I thought it was a mistake. So when I called the mortgage place, they said no it was not a mistake. It was just as if we had started all over on a loan for buying our house that weve had 25 years. I couldnt believe it. I feel this was very deceitful on their part. My payment went from $ XXXX {$1200.00}. I assumed that this was the amount different each month that I would pay until the remainder of my loan was finished. This would be XXXX years from now. Little did I know, it was nothing what I thought it was. Because they kept calling it a loan modification. To me a modification is when they change your payment amount for a while until you get back on your feet. However, This was nothing like that. The cost of our house was {$110000.00} in XX/XX/1998. XXXX paid on it for 25 years. The principal balance as of today is $ XXXX from looking at my past statements, this principal balance has gotten bigger each month. A lot bigger. I admit that I always dont understand everything, especially when it comes to paperwork. It is not written in terms that I understand. It seemed to me as if I was duped and coerced into signing something that nobody in their right mind would ever sign. I mean what happened to the 25 years worth of money that we have paid? I am baffled. I can send a copy of the document that I signed if needed now. my husband and I are senior citizens. We are not tech savvy as to how to mail the documents or email them. But we can get someone to show us. How if needed. I just wish we had done that upon the signature of some phony, misleading papers. Our mortgage company now is XXXX XXXX XXXX. At the time of the loan modification it was Shellpoint mortgage company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of XXXX XXXX. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent accounts from 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
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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX : {$440.00}.
Product: Checking or savings account

at XXXX my social security check showed that it was in our account giving us balance of XXXX there was two pending charges of XXXX and XXXX which was subtracted to give us our balance of XXXX no other pending charges were shown. at XXXX on the same dateXX/XX/XXXX 5 hours later a new check for XXXX appeared a check forXXXX appeared ach debit for XXXX appeared we were assessed two XXXX fees then the ss deposit was placed as pending and the XXXX charge was taken out giving us a balance of XXXX chase bank changed the order of items coming in to account fromXXXX to cause them to create a negative amount in our account so they could assess us two XXXX charges. the check for XXXX and check forXXXX never showed up tell after the XXXX ss deposit was made. chase changed the order of the items to be able to charge us two XXXX charges
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at capitol one and also XXXX XXXX. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

About XXXX XXXX XXXX XXXX XXXX I had a dilemna with Citibank about checking accounts. They were originally asked to close these accounts once they refunded all of my money back to me. However, they have kept one open and charging me stating that I owe them {$20.00}. I recently received a letter stating if I did not pay this {$20.00}, they would close this account ( they already should have done this ) and would negatively report me to the banking credit unions that I still owe them money from a closed account. 
I have been fed up with Citibank and here they are again. I sent them this {$20.00} in a money order to an address they originally provided on a letter, and they returned it to me saying it was the wrong address. I sent it to the address on the second letter and they returned it back to me ( money order ) today saying they already closed account, but the letter had an array of numbers for me to call. 
The bottom line here is that Citibank should not be reporting me to any institution because they should have already closed this account as instructed months ago. 
I have attached a copy of the letter received today with the money order.
Product: Mortgage

Ditech financial continues to scam their customers. Recently, they raised my late fees from XXXX dollarsa few months ago to $ XXXX the last few months and now it is $ XXXX I just found out on their website. They have never notified me of the increasing late fees. They increase the late fees at will, in order to make you appear to be behind on a payment or not have paid a " full payment '' so that they can put the payment in unapplied funds. How high will they be allowed to randomly increase late fees? It used to be that a late fee was part of the contract I signed with my mortgage company and enver increased. With Ditech though, they will increase the late fee significantly whenever they feel like it. They have harassed me with things of this nature ever since they took over my loan from XXXX XXXX XXXX. They are harassing me now because I filed bankruptcy and they want me to do a modification. I will not do a modification. I gave them one chance for that and they played games by refusing to send me a form I needed to fill out. They also can know that I will not do a modification that is more than 30 years and will not lower my interest rate. They are wasting paper. I do not believe they should be able to increase a late fee randomly like that without notifying me in writing. Nor should they be able to increase the late fee to make a payment amount incorrect. Also, they purposely scam people on their statements being inaccurate. Currently, they are unlawfully holding $ XXXX in unapplied funds because I was unaware my late fee went from $ XXXX to $ XXXX. Still, the $ XXXX is more than the $ XXXX and should be released. They constantly rip me off on my mortgage interest deduction by holding finds in unapplied funds, unlawfully. Please hold them accountable for violating the law. Also, they should not be allowed to raise late fees on a monthly basis. This is XXXX  and I hope Ditech company XXXX and XXXX XXXX XXXX XXXX XXXX where they belong. XXXX, Cheats, frauds. Also, I am supposed to speak with reps in the bankruptcy department. They are never there, nor do they ever return phone calls. I do not believe these reps are actual people. Many times their voice mailboxes do not work. I have not once ever received a call back from these people that I am REQUIRED to talk to. I highly suggest they get their XXXX in their office and on the phone if they are not fake identities.
Product: Vehicle loan or lease

They destroyed my credit by running hard and soft inquiries multiple times which will affect my score and allow them to keep asking me for more money each time I sit with a dealership. CON ARTIST AND FRAUD