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

over 10 years ago, addressed populated on my Credit Report from a in Northern New Mexico, I have never lived there. A report was made as Identity Theft and the addresses came off. In the last 2 weeks similar addresses populated on my report. I filed a dispute with Equifax and received an email saying they had been resolved. When attempting to log back into my account it kept telling me I had to contact them directly. Today ( XX/XX/XXXX ) I spent over an hour on the phone with them, after the could not verify who I was and speaking to 2 different agents, they told me that the first dispute was not taken care of and that he would be assisting me with it then and there to have the addresses removed. My second dispute was because I found a hard hit from XXXX XXXX XXXX on my report, I have never had an affiliation with XXXX XXXX XXXX and have not authorized a credit pull on my credit. The agent stated I would have to contact XXXX XXXX XXXX so THEY could take the hard hit off my credit. When I questioned the agent about that, he became upset and told me if that wasn't my inquiry I shouldn't have any issues contacting XXXX XXXX XXXX and having them remove it. In the XXXX XXXX XXXX forums, many have had this issue and have been told by XXXX XXXX XXXX to contact the credit source to have the inquiry removed. This is a huge circle that is not being resolved. I am working hard to have my credit better and issues like this do not help me or others. Neither company is taking responsibility for any issues and THAT is a huge problem for me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX.is maliciously reporting to all three credit bureaus : Equifax, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XX/XX/XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XX/XX/XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XX/XX/XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my Equifax credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureau XXXX, XXXX, EXPERIAN or Violation of Fair Credit Reporting Act ( 15 USC 1681e ) Dear Sir/Madam, ActXXXX XXXX XXXXXXXX I am writing to file a complaint against Credit Bureau XXXX, XXXX and EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the deletion of an unverifiable and inaccurate account from my credit report. This issue has arisen as a result of Credit Bureau XXXX, XXXX and EXPERIAN failure to take appropriate action despite the account being supplied with information that is NOT even me, my privacy has been breached by two other credit bureaus. 
On XX/XX/year>, I obtained a copy of my credit report from XXXX XXXX XXXX XXXX and upon review, I discovered an account listed that is both unverifiable and inaccurate. Recognizing the importance of maintaining accurate credit information, I promptly initiated a dispute with all three major credit reporting agenciesXXXX Experian, and XXXXrequesting the deletion of this erroneous account. 
To my dismay, while XXXX and Experian promptly investigated the matter and deleted the disputed account from my credit report, Credit Bureau XXXX, XXXX, EXPERIAN failed to take similar action. Despite providing evidence supporting the inaccuracy and unverifiability of the account, Credit Bureau XXXX, XXXX, EXPERIAN has neglected to comply with the FCRA and has allowed this erroneous information to persist on my credit report. 
This failure by Credit Bureau XXXX, XXXX, EXPERIAN to delete the unverifiable and inaccurate account is a clear violation of Section 1681e of the FCRA, which mandates that credit reporting agencies ensure the accuracy and fairness of the information they report. By not adhering to these standards, Credit Bureau XXXX, XXXX, EXPERIAN has not only compromised the accuracy of my credit profile but has also caused inconsistencies that can potentially harm my financial well-being. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Credit Bureau XXXX, XXXX, EXPERIAN complies with the FCRA by promptly deleting the inaccurate and unverifiable account from my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> I use a company called Square to charge my clients. I was paid {$290.00} for a service and paid the extra fee to have it directly deposited into my account. I never received the money. Square says they sent it, my bank shows they didn't. They gave me a number to give to the bank to look it up and they said there is no deposit for that day. It's been XXXX months and I have yet to get my money. It can't just be in limbo like this. This has been happening to so many people in the country. It's unacceptable. I need my money. I've been back and forth with both my bank and square and they just point fingers but I know something fishy is going on on Squares end. They say I need a letter from the bank showing that there was no deposit. My bank doesn't issue these letters for security purposes. The law says that the invoices should be enough. And I already sent those invoices months ago.
Product: Mortgage

Specialized Loan Servicing was not able to provide a mortgage assignment to enable me to refinance within 2 months. Despite daily phone calls, when the company representatives promised to get a status update, the company never gave me an update. Eventually my rate lock was set to expire and I was forced to act without the assignment resulting in my having to pay the mortgage tax on the full amount of my refinance which cost me {$5000.00}. 
In addition I had set up automatic loan payments which they stopped taking without instruction from me or explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have an escrow account through Plaza Home Mortgage. They have yet to pay my property taxes or conduct an escrow analysis, which I first requested in XX/XX/XXXX. They have yet to respond to two e-mails despite the first e-mail sent on XX/XX/XXXX informing me Id receive a response within 5 business days. I need to know my property taxes will be paid and not delinquent, and that the reduced amount of my tax burden is reflected in my monthly escrow payments.
Product: Credit reporting or other personal consumer reports

Earlier this year, I put my credit card account with Synchrony Bank on a Debt Management Plan with a Credit Counseling agency here in Arkansas. The plan was accepted in XXXX, and that month was the last time I received communication from Synchrony. Fast forward to today in late XXXX, I called them when I realized I had no statements from them since setting up that plan. When I made it through to a customer rep, I was informed the account had been closed in XXXX, and since it was now in their words " charged off '' I will not be able to get any statements of any kind. My credit counselor advised me to try calling again and advise them of the Truth in Lending Act requiring they provide me these monthly statements, and the moment I did the line went completely silent.
Product: Debt collection

They are increasing debt with interest did not contact me they where handling a collection that I was unaware of. said I had to come in person and pay cash to resolve the issue showed up to the office to address this issue as something seemed off no one is their during business hours seen similar reviews and issue with this establishment
Product: Debt collection

I am writing to address the serious concerns I have regarding the debt collection activities associated with Account Number XXXX. It has come to my attention that your agency may be in violation of various laws and regulations, as detailed below : 1. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Your agency has failed to adhere to the FDCPA ( 15 U.S.C . 1692g ), which mandates providing written validation of the debt within five days of initial communication. This omission raises significant doubts about the validity and legality of the debt in question. 

2. **Fair Credit Reporting Act ( FCRA ) Violation : ** - Your agency appears to have accessed my credit report without my explicit consent, a direct violation of the FCRA ( 15 U.S.C . 1681b ). This is not only a breach of federal law but also a violation of my privacy rights.

3. **Georgia Law Violation Lack of Explicit Consent : ** - Georgia law explicitly requires that debt collectors obtain explicit consumer consent before accessing consumer reports or disclosing non-public personal information. Your agency 's failure to secure such consent is a clear breach of state law.

4. **Unauthorized Addition of Items to Credit Report : ** - The unauthorized addition of items to my credit report without proper validation and consumer consent further violates federal and state regulations, undermining the accuracy and integrity of my credit history.

Furthermore, it is crucial to emphasize the emotional distress caused by these violations : The unauthorized use of my private information and coercive tactics have left me feeling scared, nervous, and unsafe. This emotional distress is a direct result of your agency 's actions, compounding the urgency for resolution.

I demand immediate corrective action, including providing written validation of the debt within 30 days and confirming my explicit consent for your agency to access my consumer report and non-public personal information. Failure to comply will leave me with no choice but to pursue legal remedies available under state and federal laws.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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/account/information below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/2014 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been keeping a close eye on my credit and am incredibly disappointed at the inaccuracies I have been seeing. This is now my second time reaching out to get the errors and inaccuracies removed from my credit report. This is causing me tremendous stress and anxiety especially since my concerns are continuously being ignored. I need these errors, at the fault of the bureau, corrected at once, since they were the ones who failed to ensure that the information being reported is in fact accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to all equifax, XXXX and XXXX about the XXXX XXXX XXXX credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.
Product: Mortgage

According to our loan payment history with Lakeview XXXX, ( history attached ), our {$80000.00} principal payment finally applied on XX/XX/XXXX lowered our loan to less then the 80 % LTV ( see attached LTV record ). 

I say finally above, because this payment made it to Lakeview XXXX, thanks to a previous complaint ( see closed complaint XXXX for more details ) which should have had the {$80000.00} principal payment applied at the end of XXXX, not XX/XX/XXXX, and to our previous loan provider XXXX XXXX loans. 

This LTV of less then 80 % would have allowed us to have our PMI dropped with XXXX, who then sold it to XXXX, who then sold it to Lakeview which is where this complaint begins. 

On XX/XX/XXXX I paid {$100.00} to have our home appraised to have our PMI cancelled. They said it would take 30 days ( it is now XX/XX/XXXX ) and there has been no appraisal and no PMI cancellation progress. We have been paying unnecessary PMI since at least XX/XX/XXXX, for now 5 months @ {$78.00}. 

I just spoke to Lakeview yesterday, XX/XX/XXXX and they said to be patient.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Addressing Unexplained Credit Score Declines Dear Consumer Protection Bureau Representative, I am writing to formally request your assistance regarding a series of unexplained declines in my credit score over the past XXXX months ( XXXX, XXXX, and XX/XX/year> ). Despite my repeated efforts to obtain clarification and resolution directly from TransUnion, I have been unable to identify any legitimate reason for these changes, leaving me deeply frustrated and concerned. 

I have purchased my credit reports and scores from TransUnion and other major credit reporting agencies. However, there is no data or activity in these reports that would justify the declines. When I contacted TransUnion, their representatives could only provide generic information about the overall factors contributing to a credit score but failedor refusedto give specific explanations for the changes to my score during the months in question.

This lack of transparency has caused significant distress and has left me feeling powerless in protecting my financial health. A credit score is a critical aspect of my financial stability, and unexplained declines not only damage my credibility but also limit my ability to pursue financial opportunities. I am seeking your assistance to : 1. Investigate the unexplained declines in my credit score over the last three months.

2. Advocate for a clear and specific explanation from TransUnion regarding the factors that led to these changes.

3. Ensure that the credit reporting agency adheres to its legal obligations for transparency and accuracy under the Fair Credit Reporting Act ( FCRA ).

I am enclosing copies of my credit reports from TransUnion and other agencies, as well as records of my communication with TransUnion representatives. I am hopeful that your intervention will help resolve this matter in a timely and fair manner.

Thank you for your attention to this issue. I look forward to hearing from you regarding the next steps in this process. Should you need any additional information or documentation, please do not hesitate to contact me. 

If you are not able to assist please refer me to the right agency to begin work on this immediately.
Product: Debt collection

I received a notice of a debt owed in XXXX. I submitted proper documentation to prove that the debt did not belong to me. I also had a police report from XXXX as someone had been using my social security number under a different name that was not mine. American Express provided documentation from a bank account being used to pay the original debt that also did not belong to me. I had once again opened a dispute to exercise my rights under the FCRA, requesting any proofs with my name, signature, ID, and any other information used, never received this, and was bombarded with email communications offering me a chance to settle the debt and be offered a new card. I did request in the past that they stop harassing me and did so again today XX/XX/XXXX. 

This account is continuing to keep a name and address that I have never lived at showing on my report and out of greed they have made no attempts to remove it.
Product: Checking or savings account

On XX/XX/2023 I visited XXXX XXXX XXXX in XXXX, OK  Address XXXX XXXX XXXX XXXX, Ok XXXX I used the Everi ATM machine I entered my debit card and requested a balance inquiry. However, the machine error out and prompted me with a message that says, " unable to complete transaction '' We can not process your request at this time. The machine charged me {$1100.00}. XXXX says this was to purchase a gaming ticket, yet I was doing a balance inquiry. When they looked back it said note presented not collectable. I filed a claim to the XXXX, but they told me not to worry that Everi will credit my money back. I waited a week a nothing happened, waited a couple more weeks nothing happened. So, I called my bank and file a claim on XX/XX/XXXX  my bank did not credit my account. So now I need you help since your machine stole my money and the casino crew is clueless. Kindly contact me and provide a solution. Everi does not have an easy number for any consumers to contact them. I have tried calling the XXXX number and keep getting told my case will be escalated and nothing happens. This is money I actually need, and I know for certain nothing was dispensed. Even XXXX confirmed to me that they don't see a gaming ticket was presented. That I need to contact Everi so that is what I am doing.