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

XXXX have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and XXXX  says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..Equifax  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. Equifax is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting negatively to the credit bureaus on my credit report after the it was charged off & i never received a 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

Everything has to be 100 % accurate on my Credit Report. 

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
They also allow the Reporting Source to dictate validity vs. Following the Law. 

See Accounts Below : XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX Account:XXXX STILL INACCURATE - REMOVE. 

-XXXX XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

I submitted a complaint with the XXXX  and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly. 


According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT XXXX XXXX DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY
Product: Mortgage

Was denied an fha mortgage for a dismissed chapter  XXXX  bankruptcy from    XXXX    2009    and met all other requirements. Our loan processor   XXXX   XXXX   from  pacific union fina ncial llc was absolutely horrible no communication left important information out when sending to underwriting and ultimately probably cost us our home purchase that will end up keeping my wife 's elderly father in a  XXXX    XXXX   instead of living with us.
Product: Credit card

First week of XXXX I was at Dick 's at XXXX XXXX New York with my husband buying gifts. At checkout I was asked if I had a store car, I don't so I was instructed to start filling out an application and then told me of what I thought was a member card, I have XXXX for XXXX, for XXXX for many stores but no he had me start to fill out information for a credit card, while I stopped the process immediately and DID NOT FINISH any application, here it is pulled XXXX points off my credit score. How??. I didn't even finish the application once I realized it's for a credit card I canceled all of it. I'm beside myself as no one will or can help me. I called the store about this shady practice, nothing can be done it's oh well. This isn't right by no means. There is no card because I cancelled the application but it went through anyway, I didn't even fill in information into application like I stopped it and cancelled but apparently I can't do that. I don't want dicks credit card my husband carries the credit cards because of his job, we certainly never intended on adding another credit card. I have store rewards cards this entire situation was misrepresented by the cashier. I was furious immediately I called the store manager as soon as my credit score hit.
Product: Credit reporting

This is my 4th time writing Equifax to block these accounts on my credit report. I did not open these accounts, apply for them, obtain them, maintain them or make any payments whatsoever and they have failed to # 1 prove they belong to me # 2 provide any documentation whatsoever # 3 provide a document with my signature on it that proves that I ever agreed to pay it # 4 block this information and # 5 do any sort of investigation into the matter. 

I do n't care that these accounts are positive - they do NOT belong to me and someone obtained my information and opened these accounts! These must be blocked from my credit report! Congress states that the credit bureaus must go beyond the original source of information once I notify them that their investigation results are incorrect and the burden lies on THEM and NOT me! 

These accounts do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were NOT made by me : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''.

15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information. 
Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

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

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX to let me know that since XX/XX/XXXX, I owe {$1000.00} to the account I have with the XXXX XXXX XXXX XXXX XXXX. My main complaint is that not only did they neglect to inform me what that charge is for, but since I never received a letter, or email, or any form of communication before this letter, I don't understand how I can be late to make a payment for something I was never informed of.
Product: Credit reporting

In XXXX 2009 my XXXX XXXX services account was paid in full. However, it is reporting late on my Transunion credit report and it has been removed from all other reporting agencies. The account was paid in full within XXXX days.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following 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 ( Account Number : XXXX ). I have attached a copy of 2 forms of identification as well as a copy of my FTC report. ( Please see attachments ).
Product: Debt collection

D2 Management Representative from XXXX called me on XXXX at XXXX CST and Gave me my last 4 digits of my SS and the company name where i work. They then said I owed +/- {$550.00} on a pay day loan that they claim i used my check stub and applied for it on my account at XXXX XXXX . Number one i have never had an account at XXXX XXXX. Number two i have never EVER taken out a payday loan in my entire life. When I attempted to explain it to the lady she argued with me and said i was not correct. I asked where she got my last 4 digits of my SS and she would not answer. I then explained that i never had an account at XXXX XXXX and that i never took out a pay day loan in my life. She again said that i was incorrect. I asked for her to send me the documents showing this and she only wanted to know how i was going to settle the debt. I told her it was not mine and I was reporting them for Fraud and hung up. She also claimed, when i asked where she got my last 4 digits of my SS number, that she was recording the conversation for training purposes.
Product: Mortgage

The mortgage company sent a video explaining that we have a shortage in escrow. Their video has taxes paid last year were {$2100.00}. But on their website, it says taxes paid were {$1800.00}. So which is it? Is there a credit sitting on my account at the local property tax office? Why am I being sent inaccurate information on taxes paid on my property? 

The mortgage company sent a video explaining that we have a shortage in escrow. Their video has insurance paid last year was {$5400.00}. But according to my insurance agent we paid {$4000.00}. So which is it? Is there a credit sitting on my account at the insurance office? Why am I being sent inaccurate information on insurance paid on my property? 

Where is the difference in those payments? Is the mortgage company keeping it? I have asked to speak with them and their " escrow department doesn't speak to customers directly. '' That is even more suspicious. If you don't have anything to hide, why can't you talk on the phone? Why would the mortgage company feel the need to force additional money be put in the escrow account to cover a nonexistent shortage? There should actually be an overage!
Product: Credit reporting or other personal consumer reports

I have called so many times over the past 6 years to have this corrected and reviewed by someone. They refused to do it. I have 2 cards on my account listed, one a credit card and one a store card. I sent in all the paperwork to dispute. It was during the time of my very ugly divorce, so I decided to just settle and move on. We agreed to settle as paid as agreed. This was XXXX. Now in XXXX, all of a sudden they put me on CHARGE OFF. This is not what we agreed too. I am trying to buy a house and right after I got my preapproval, I got notification of this change on my credit report. I looked at it and sure enough it shows as CHARGED OFF rather than settled and paid as agreed. This took my credit score down almost XXXX points. This is causing me to not be able to buy my house! I called them and XXXX said it is what it is and I can continue to write in but they will not fix it. She then hung up on mew when I asked to speak with a manager. This was not my purchase. I believe one of the balances was like XXXX bucks or something small like that the other was around XXXX. I settled it. I paid what they asked for even though it was not mine and years later they change it to charge off. I also can not have charge offs on my credit as a bank manager which is why I settled it in the first place, even though it was not mine. I need this updated. It is set to fall off in a year but I am set to close on a house next month!
Product: Credit reporting 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XXXX someone opened up a credit card from kohls in my name without my consent. I saw it on my report later that month and tried to dispute it but at first I couldnt bc they also created an XXXX and XXXX account in my name until I was able to call and change the password. I finally was able to dispute but the dispute was completed and its still on my account and they spent {$770.00} on that card. Please remove it from my credit report I have nothing to do with this.
Product: Checking or savings account

I had checking and savings accounts. I also had a reloadable debit card. Wells Fargo converted the reloadable debit account into a primary checking without my knowledge. In XXXX I deposited about {$20000.00} from XXXX savings into the account. I then wrote a check for a car purchase. It took XXXX a week to release the funds. They told the dealer it was not a good account. I was embarrassed because I never had overdraft or any other problems with my accounts or credit. I already had the car in my possession. I had to call the dealership every day for week to assure them the funds were good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX . 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Equifax Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX/XXXX. XXXX. Equifax will ONLY agree to publish inaccurate information provided by XXXX/XXXX. XXXX. 


XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

look at my credit report an inquires i never inquired for anything from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit acceptance tried to sue me. It started with phone calls then they sent multiple letters and I responded over a course of a few months. I finally went to the scheduled court date vs credit acceptance corp. the judge was running late and even contacted the company before court started. They apparently forgot. They failed to apear and the judge stated, It is therefore, ORDERED, that the above styled and referenced case is hereby dismissed, without prejudice for failure to prosecute. Yet, it still present on my report as existing and open.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase XXXX credit card charged me XXXX service fee even when told them that I am not going to use this credit card and do not require their services for travel. The Chase representative refused to refund XXXX fee, even I told them that I am not going to use this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We just learned today of yet another credit reporting company XXXX  after our information was hacked through Equifax. We had put credit freezes on the other bureaus several years ago and upon learning of XXXX are trying to do the same. XXXX has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation!
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen.
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period?
We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People, will rise!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Synchrony Bank stating that I tried to open a Syncb luxury account. I never inquired about their service. This bank is located in XXXX XXXX XXXX XXXX Florida.
Product: Mortgage

I went through Rocket Mortgages online service to inquire about refinancing with cash out to me. I was " approved '' to refinance at 2.99 % with roughly {$25000.00} cash out. Almost immediately, I started texting with XXXX XXXX at Rocket who confirmed some of the information and relayed terms to me. I submitted the documents requested in a timely manner. Then more documents were requested. Then more documents were requested. Then I was told my rate lock expired less than 7 days after my application and rate were tentatively " approved ''. I was also told that there was no appraisal needed. 

Today, after telling XXXX I was going out of town from XX/XX/XXXX through XX/XX/XXXX ( yesterday ). Upon my return home, I submitted the documents listed on my " to Do '' page. Also, on XX/XX/XXXX, I emailed XXXX XXXX about an email I received that now indicated I would need to bring roughly {$1300.00} to closing and would also need to submit additional documents proving I could do that. They wanted 90 days of bank statements which I had previously provided. It should be noted that I was originally informed I would be getting cash out, not paying to refinance. 

On XX/XX/XXXX, after raising questions about the change on the closing documents requiring me to bring cash to closing after noting in any of the information provided changed from the beginning of this process, I was told I would need to pay {$500.00} for an appraisal as a condition precedent to closing. Upon inquiring about this, XXXX XXXX emailed me saying I had to go through a different program because of a decline in my income. I found this very disturbing as my phone call prior to leaving town was explaining to him why my income increased so much over the past year with specific reference to the documents provided to Rocket Mortgage. My income did not decline, it increased. 
Quicken should have changed its name to Racket Mortgage instead. This ordeal was worse than buying a car from a used car salesman. Every time I turned around the terms were changing, " expiring '' or more information was needed, most of which had already been provided.
Product: Student loan

I had put in an application for a revised income base repayment plan based on the new SAVE repayment plan. This was done to reduce my payments. I completed the application on XX/XX/2023 on the Department of Education 's website. The request was sent to my servicer Aidvantage. They had received the application on XX/XX/2023 according to the Department of Education. I had received correspondence from Aidvantage on XX/XX/2023 that they had received the new income driven plan. There was nothing that I had needed to do on my end since I had consented that the Department of Education could request my tax return from the IRS. The timeframe to process the request according to the Department of Education was four weeks. It has been six weeks since I had sent in my application. I have not heard from the servicer. I had tried to contact the servicer and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

On XX/XX/2024, I waited on the phone for over 2 hours for a MOHELA service representative to speak with me about their recent decision to inform me of my {$1200.00} monthly payment due XX/XX/2024. 

I had previously consolidated my loans and submitted an application for the SAVE repayment plan ( submitted on XX/XX/2024 ). I was informed by the MOHELA customer service representative that they would not process my application due to the XXXX XXXX XXXX XXXX XXXX injunction ( decision dated XX/XX/2024 ). I expressed my dissatisfaction with that decision and asked to speak with a supervisor. I was told by two different representatives that they would transfer me to a supervisor, but both subsequently refused to transfer me. I never got to speak with a supervisor, nobody was willing to answer my question of why MOHELA were refusing to process my SAVE plan application which they received before the date of the injunction. 

I would greatly appreciate your assistance in resolving this matter.