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

XXXX of XXXX Florida is reporting inaccurate data on all three ( 3 ) credit bureaus. At the inception of my contract I purchased a vehicles that  needed repair. XXXX had the company make some repairs, but the horn, spare tire, gas tank and radiator was never repaired which later led to major repairs totaling over an additional {$5000.00}. The original loan amount was {$8500.00} XXXX of XXXX Florida did an additional loan totaling XXXX therefore, giving me two loans with the company. After the last repair XXXX of XXXX Florida sent a mechanic out to evaluate the car and they told me they were going to junk the car and give me another car of equal value. I waited for the new car never received it instead I started getting calls talking about repossessing the car. I sold the car to XXXX XXXX when the car was in the shop she never received the car and it is being reported on her credit report as well. I called the headquarters and was told to speak with the XXXX XXXX XXXX XXXX kept hanging up the phone on me and having a Sheriff office calling threatening me. The lending practices should be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 
I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the XXXX XXXX XXXX XXXX XXXX XXXX to resolve this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed I have 18 non-derogatory accounts and 14 derogatory accounts reported by the Department of Education XXXX XXXX. On XX/XX/XXXX, I spoke with a representative from the DOE who informed me in XXXX ; I entered into a rehabilitation agreement. Since I completed it, he stated, all derogatory marks should have been deleted from my report. However, they were not. I received a fax from him confirming this. 

Also, I have three ( 3 ) derogatory student loan accounts reported by different lenders, depending on the bureau. 

Equifax is reporting three ( 3 ) delinquent accounts from XXXX XXXX As of today, XX/XX/XXXX, the dates indicated as late are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. I have contacted XXXX XXXX, and they advised me that my account was transferred in XXXX. I have contacted this company numerous times. No further actions were taken. One representative informed me they have been having issues with reporting. Then another said, there wasn't an error even though I sent a copy of the report to their dispute department. In addition, there are more late payments between XXXX and XXXX reported by them. Which, I don't understand since I was rehabilitation. 
As per Equifax, the above mentioned loans original balance are as follows : {$2600.00}. 
{$580.00} {$1700.00} XXXX  is reporting three ( 3 ) delinquent accounts from XXXX. Each account shows late payments from XX/XX/XXXX to XX/XX/XXXX. When I contacted XXXX at XXXX on XX/XX/XXXX, I was advised that they are not a borrowing service and do not have my loans. However, this is the information on my XXXX  report. As per XXXX, the above mentioned loans original balance are as follows : {$2600.00} {$580.00} {$1700.00} XXXX  is reporting three ( 3 ) closed accounts will adverse payment history from XXXX. The dates are from XX/XX/XXXX to XX/XX/XXXX. 
{$2600.00} {$580.00} {$1700.00} Can you please help me resolve this issue? I am overwhelmed trying to understand where my accounts are and if they are accurate. Over the years, they have been transferred, and the lenders are not helping me clear it up. Also, the delinquent marks are adversely affecting my credit.
Product: Credit reporting

I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

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

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX  credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

Contribution Reference XXXX XXXX XXXX XXXX XXXXXXXX I disputed this account with Early Warning Services back in XX/XX/2023 the information they are reporting is incorrect and inaccurate and I would like to have this account removed from my credit report immediately. I've also disputed this account with XXXX  XXXX XXXX through CFPB and I've filed a identity theft report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX LAST 4 OF YOUR SSN : XXXX DATE : XX/XX/XXXX ALLIED INTERSTATE LLC XXXX XXXX XXXX, XXXX OH XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear ALLIED INTERSTATE LLC, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

Been asking them to remove extended fraud alert every time I call they say my information doesnt match I have sent in documentation certified mail with return receipt which I have got back and still no changes also none of my credit files are reporting mostly everything is inaccurate
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and found countless errors. I have some personal information that is not correct and several accounts I don't think that they belong to me. There are Charged Off accounts with balances as well. How can that be when it has been charged off and a 1099 was sent to me.. Please see letter attached in this site to dispute the cases I am concerened about
Product: Mortgage

My house was in foreclosure then my garage burned down in XXXX 2016, I communicated to bank M & T that I wanted to pay mortgage off instead of rebuilding garage. For several months I have been trying to pay off. First a wire was sent they held for four days then sent back. Then I overnighted a bank check as per instructions and they sent that back. I re-overnighted the check and they have had it since XXXX XXXX and told me they would email attorney and cancel sherrif sale. Thank god I went to court because they disd not. As of today they cant locate check and payoff still not completed. How many other consumers are dealing with this at M & T.
Product: Debt collection

Revco Solutions is trying to collect {$720.00} in behalf of XXXX XXXX for a medical device that was paid for by insurance.
Product: Mortgage

My mortgage got transferred to loancare- have emailed, called and emailed again trying to set up a biweekly payment which was initiated with the previous servicer XXXX, they dont email, dont call and closed my inquiry via email without an option to reply to the message - they are deplorable and wish we had the right to choose servicers
Product: Debt collection

I HAVE NO RECOLLECTION OF THIS ACCOUNT OR DEBT. I DO NOT OWE THIS DEBT.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$5000.00} emergency transfer from XXXX  XXXX XXXX western Union departent. 
XX/XX/XXXX I called and canceled, supervisor said that the funds will be back in 3 days
Product: Credit reporting or other personal consumer reports

I went to the site to set up a XXXX Clarity Services fraud alert online like it says I can. 
I put in all my info and then it said I would need to send extra ID, drivers license, etc. But, I could call. So I called and told them I had issue online and could they help me complete even a short term alert. They took all my ID info and spent my valuable time to just tell me the same thing : I need to send by mail the proof of ID. I find it wrong to ask me for all my info and not complete the alert or freeze when they could have told me to follow the protocol of sending the proof of ID via mail, like the site suggests. My wish : This company should make the online site work with document submission to complete the alerts or freezes via the website. And, absolutely, don't ask for all our info if you can't do the alert or freeze online or by phone.
Product: Mortgage

We have submitted documents to have our PMI private mortgage insurance removed several time. We received a appraisal for XXXX and exact same and even smaller homes sell for {$430000.00}. This difference caused us to keep paying PMI when it should have been deleted. I've called several times with no response and no follow up or return call or letter. This must be stopped. It's a money making scheme and they more the bar everytime to qualify. I have prove of the home sells.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. I am a victim of identity theft and have tried extensively to rectify this issue with Equifax. Equifax has instructed me to submit a police report and FTC report and per section 605B of the Fair Reporting Act, the fraudulent items are to be blocked and deleted immediately. Equifax however, puts these accounts into dispute and never provide an updated report with the account deleted. They in turn keep the fraudulent accounts on my report and show no proof of verification and/or validation. I am attaching the police report, FTC report and proof of identity through this channel again in order for the fraudulent accounts to be deleted. I am also filing a report with the XXXX  and copying the CEO on all correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX-  Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I.C. Systems Inc is a third party debt collector who has violated multiple of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with the way the credit bureau agencies calculated my credit report. Specifically I pay a monthly fee to keep track of my credit report with www.freecredit report.com which is related to Experian. I used to have an overall credit score of XXXX since XX/XX/XXXX ( above XXXX since XX/XX/XXXX ) I used to have a car loan for a car leasing that was set to expire on XX/XX/XXXX. The last installment was paid off on XX/XX/XXXX. Before the term of the expiration on XX/XX/XXXX, I got another car, leased with the same company. The problem was that last week on XX/XX/XXXX my credit score went down to XXXX ( 40 points less ) I called Experian and they explained that since I had paid off the leasing, the formula they use penalized me because I seem like a higher risk since I have not an auto/home installment loan in my report. I explained that In fact I ''traded ' my old car for a new one and that there is in fact a car loan in place. Since it was not in their system I had to call the car agency and after some research they apologized and said that for some reason the new leasing was not reported to the credit bureaus. They reported it and on Monday XX/XX/XXXX it showed up on my report with a bump of 5 points to XXXX. I called again on XX/XX/XXXX to Experian complaining that why would I be penalized 35 points in total since the only thing that happened was that I traded one car for another and that in fact basically the same amount of monthly payments was due. Again they said that there is nothing they could do, that I had to wait 24 months for my score to get back to where it was. They suggested that I call XXXX which is the national foundation for credit counseling. I called the XXXX and explained the problem. A counselor suggested that the only thing he could think off was to call the CFBP. I did and the person suggested that I could always file a complaint online. I decided that I was wrongfully drastically penalized in my credit score for no logical reason. The calculated credit score is harmful to me specifically since I may be requiring a home mortgage loan soon. So in the end I am filling this complaint in order to correct this unfair credit calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Mortgage

I signed loan docs on XX/XX/20 and also wrote a check for over {$5000.00} to the settlement company in the hopes of closing my refinance loan. Ive sent repeated emails and left numerous voicemails requesting an update on the status of my loan closing, but the company has failed to return my call. I am greatly concerned about my loan not closing and their keeping my funds. All I want is for them to close my loan based upon our agreed upon terms.
Product: Mortgage

I was offered a loan modification after a brief period of employment ( 6 months ). The only problem is that Chase did not credit all my payments from before I notified them I was unemployed ( which was 60 days before I was late on any payments ) nor did they credit my payments made during the loan modification process. This means my new loan beginning " loan amount '' was too high. I tried to clear it up with the Executive Office Customer Service Rep but " XXXX XXXX '' was not able to explain the math computation. We went over it for a few months and she had to go back to me for clarification but never was able to. 

I then was provided XXXX XXXX, Customer Assistance Specialist and he agreed to send me documentation and then set up an appointment with an Underwriter who will explain the math. 

I was bullied and threatened into signing a loan modification that Chase fully knew was inaccurate. Chase 1 ) over charged me for a new loan by starting the loan balance too high 2 ) charged me two years of taxes, putting those costs into a 2nd subordinate loan when I was only out of work for 6 months and had paid my taxes via my escrow account and had enough funding in my impound account to cover my taxes. This meeting with the Underwriter never happened. Every time I contact Chase, 1 ) I can not reach assigned rep XXXX XXXX 2 ) he may call me once and I miss his call and he never calls back until I call again for months. 

I would like Chase to Gove over the loan modification math computation showing they have credited all my payments, I would like an accounting for my tax impound account, I would like my account corrected and the loan modification docs the forced me to sign under duress of the threat of foreclosure be cancelled and reissued correctly in a timely manner.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX    XXXX, XXXX XXXX XXXX, BARCLAYS BANK DELAWARE XXXX,
Product: Credit card or prepaid card

Hi, I applied an American Express ( AMEX ) Gold charge card on XX/XX/2018 and was told that I am eligible for the welcome offer, which includes : - {$100.00} Annual Statement Credit with your Corporate Card Membership - XXXX Membership Rewards Points after charge {$2000.00} of eligible purchases on The American Express Gold Card within the first three months.

( Please see the attached full offer terms ) After this card got approved and I met the spending requirement, I double checked with AMEX and got the confirmation that my welcome offer would be posted to my account after a while.

However, I was told by AMEX that my welcome offer got declined. When I asked them for the specific reason, they just started to make excuse like : " You had an AMEX credit card closed BEFORE applying this AMEX Gold card. '' - I never closed any of my AMEX card before, they later changed their words when I pointed this out.

I tried to contact AMEX multiple times earlier regarding this issue and I attached the recording from one of the phone call I made to them, which confirmed I DO have this welcome offer. Please check the attached recording file for this.

Please feel free to contact me if I you need any other information on this. Thanks.