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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. XXXX, Transunion, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Payday loan

Told me my account was settled and paid in full and even sent me text and ca n't seem to get their act together and want this collection activity to stop. Unable to contact XXXX due to leave of absence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Received a notice to the judgment debtor of garnishment of personal earnings on XXXX.18 from employer. When pay was deposited on XX/XX/2018 {$230.00} was deducted from my paycheck. This was the first I had heard of any type of lawsuit or judgement against me. I have had no chance to dispute and/or arrange a settlement for debt I am being accused of owing. I will be filling out the request for hearing form on XXXX.18 and calling the attorney listed on the same said day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Equifax is showing that there was a XXXX flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with XXXX or agreed to be an authorized user on any cards owned my XXXX. 

I've called XXXX 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account.

Then, I disputed this account with Equifax ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if XXXX 's themselves didn't have any information about this account, but I digress. 

Now I am at a loss because XXXX 's doesn't have any information about this account, and the only way I could remove the account with Equifax was to get a letter from XXXX, which they won't provide to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father passed away XX/XX/2021. I was an authorized user on his XXXX  XXXX XXXX XXXX card. I notified XXXX XXXXXXXX XXXX the same day that he passed. They inturn closed the account. Since that time XXXX  XXXX XXXX has reported a delinquency on my credit report for that card. I contacted XXXX XXXX XXXX XXXX division and they advised me that since I was immediately removed from the account that I could not access any information but that nothing should be reported on my credit and assured me it would be removed. Today I received a letter from XXXX XXXX XXXX that the information they reported was correct and would not be making any changes and they closed my dispute. Upon contacting them they said since I was not the account holder or executor they would not give me any information. 

My credit is very important to me and I maintain a clean record but now I have a delinquent account that I was removed from and XXXX  XXXX XXXX refuses to resolve the issue with me or give me any information.
Product: Credit card or prepaid card

I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX {$12000.00} OPENED XX/XX/XXXX XXXX XXXX- # XXXX {$220.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$25000.00} Opened XX/XX/XXXX XXXX XXXX- XXXX XXXX {$34000.00} Opened XX/XX/XXXX XXXX XXXX {$160.00} Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent a letter to the courthouse on XX/XX/2022 asking the court do you report any personal information to any of the credit bureaus second I sent out a letter to the credit bureaus ask in the credit bureaus who furnish this negative information on my credit report Each letter I sent to the credit Bureaus was certified by mail On XX/XX/2022 I got a response from XXXX XXXX and XXXX but did not get a response from Experian and over 30 days I then send out another letter to them Experian on XX/XX/2022 I waited again over 30 days and still got no response from Experian
Product: Debt collection

Requested Debt Validation on XX/XX/2020, from Ameri Financial Sol, which I requested a list of extensive documentation that gave the company the legal right to inquiry about this debt and place this so called debt on my credit report. Listed below and document attached below I've requested the follow : " Please attach a copy of the agreement with your client that grants Ameri financial Solution the authority to collect this alleged debt.

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

Please attach copies of all statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for Ameri financial Solution, in case legal action becomes necessary : You must return this completed form along with copies of all requestedinformation, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter.

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back. '' Ameri Financial has failed to provide the necessary legal paperwork to prove that I am legally liable for the debt they are claiming I owe. Providing a billing statement does not legally give a collection agency the legal right to pursue collection. By federal law they must show proof that the consumer is legally responsible for the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting a delinquency from Portfolio Recovery. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. Portfolio Recovery has not removed it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Hi Equifax, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX opened XX/XX/XXXX XXXX - XXXX XXXX XXXX opened XX/XX/XXXX XXXX - Address : XXXX XXXX XXXX XXXX, OH XXXX Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). 

These accounts are incomplete and not accurate. Not belonging to me. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Phone number : ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX : XXXX Yes it is me disputing no one is representing me at this time. 

Remove fraudulent accounts, inaccurate accounts, correct personal information the other bureaus ( XXXX, XXXX ) have removed this same exact information how in the world could you find it verified and accurate only leaves me to assume an investigation wasnt done at all you are violating my consumer rights do not ignore the information attached as well you arent honoring my dispute.
Product: Credit reporting or other personal consumer reports

Approximately a year ago I received a bill from a creditor stating I owed {$400.00} that was taken out with " XXXX XXXX XXXX XXXX XXXX. I immediately contacted XXXX and asked that an investigation be conducted. I also contacted the creditor and asked what this was all about since I never opened a credit card with XXXX XXXX, but did have a membership that was opened on XXXX. The creditor insisted that it was opened by me at which time I asked for them to send me the location of the store where the card was opened so I can report the incident to my local police department. Unfortunately I have yet to get this information. I am attaching two of the harassing bills that they have sent me, one of which I am being threatened, as they state they will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I continue to have difficulty logging into the portal with Specialized Loan Servicing to pay my mortgage. As I continue to communicate my concerns via the messaging system in the portal, their response is to set up automatic payments. It's important to point out, that automatic payments are not part of my mortgage agreement. As a service agent, Specialized Loan Servicing, has a responsibility to examine why it is difficult to log into the portal. Or at least an analysis and survey users to see if they have any issues with the online system. I refuse to pay the late fees because it is not easy to pay through the online portal. I will continue to submit a complaint because their solution is not reasonable that their solution is to set up automatic payments. They need to improve their customer service tools.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan dating back to XXXX with problems associated with my loan balance, loan type and documents containing false signatures/initials. My student loan with XXXX XXXX was transferred multiple times and the balances, type of loan and contracts kept changing without my knowledge. I was notified, via telephone call from the XXXX XXXX servicing department in XXXX that my student loan was among the batch stolen by an employee ( s ). I filed a claim with the credit reporting agencies. In XXXX my student loan balance should have been under {$25000.00}. My monthly payments and yearly interest payments for the past 6 years was not listed referenced. And, my Grants used to help pay towards the loan was not recognized by the lender ( s ). I have been going back and forth with American Education Services and Pennsylvania Higher Education Assistance Agency to date. I received several threatening notices about attaching my wages, income taxes and liens so I borrowed against my life insurance policy and retirement account in order to make monthly payments while I further investigated this loan. After contacting various consumer and legal agencies within the last 2 years, I discovered my account had been violated, contracts altered and my protected status disregarded. I ceased making payments and requested a total refund. I filed a claim with the various credit reporting agencies in XXXX, XXXX andXX/XX/XXXX. In XXXX XXXX I was able to reach a manager with American Education Services who in turn informed me of attaching a Cease and Desist and returning my student loan to the original lender XXXX former name, XXXX XXXX to handle.
Product: Credit reporting or other personal consumer reports

During the last half of 2023 I had to have both of my XXXX XXXX  and lost my job. I started the process of applying for assistance/hardship from XXXX XXXX. This has been the most frustrating thing I have ever dealt with in my life. They told me I had to be 2 months delinquent in order to apply for the assistance. I was trying to be proactive but they were telling me I had to be delinquent. For the next several months XXXX XXXX asked for various information, I would provide what was requested and then they would change what information they needed or they " lost '' the information I sent in. I have these incidents documented. After almost a year I was finally able to get into the hardship program to help by adding a month of my mortgage on to the end of the pay off amount. I have now made two adjusted payments as instructed but they keep reporting me as delinquent so my credit score has been absolutely destroyed by this. It is all but impossible to speak to an actual person on the phone, they are the worst company I have ever dealt with and I wish so badly I was in a position to have another company purchase my mortgage. I am so upset right now having just gotten off the phone with them that I am missing some things but that is the gist of it.
Product: Credit reporting or other personal consumer reports

This complaint is against Experian. They have an incorrect phone number for me. I changed my mobile number 6 years ago from XXXX to XXXX. I have recently found out that XXXX has reassigned that number to a new individual. Because Experian sends a verification code to your mobile device to access your account I am in a catch XXXX situation in my attempts to remedy the situation. I have made repeated attempts to contact a live individual at Experian, but always end up at the same hopeless loop. The other XXXX credit bureaus have been updated correctly. I need help please. 

XXXX XXXX XXXX
Product: Debt collection

Not enough information of validation of debt. I contacted Credit Control Services Inc through certified mail on XXXX/XXXX/16 for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX/XXXX/16. the account in question is # XXXX. Collection amount {$230.00}, however I do not owe this debt and know nothing of it. Credit Control Services appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
Product: Debt collection

A debt collector called trying to collect a debt on a credit card. The debt collector told me that the account was open and if I made a payment I would still be able to use the card. He told me this three times. After I made the payment he said he had made a mistake and that the card is actually closed and that I would have to reapply. I asked to talk to his manager and his manager admitted he " made a mistake '' but refused to refund my payment or do  anything for me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX Equifax credit Agency is reporting that the account was late. This account was never late. Please have Equifax remove late status from my account.
Product: Debt collection

This phone number continues to call me AT WORK from number XXXX about this debt. I've asked them to call me on my personal number, but they continue to call me at work. They are threatening and will not stop.
Product: Checking or savings account

On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Capital One, alleging that the bank misled consumers about the interest rates on its XXXX Savings accounts. The CFPB claims that Capital One promised competitive interest rates but kept the XXXX Savings rate fixed at 0.30 % from XX/XX/XXXX to at least XX/XX/XXXX, while offering a higher-yielding XXXX Performance Savings account to new customers. This practice allegedly resulted in significant loss due to me not receiving my fullest potential interest earnings. I have held XXXX XXXX XXXX accounts since before XX/XX/XXXX and continue to maintain them currently.
Product: Mortgage

On XX/XX/2022, CFPB complaint XXXX was filed against Chase Bank to respond to a Request for Mortgage Assistance sent to Chase Bank by secure message XX/XX/2022 to XXXX XXXX and XX/XX/2022 to XXXX XXXX XXXX 

As of XX/XX/2022, Chase Bank has not responded to the Loan Modification Request and stated in the CFPB complaint XXXX that Company responded that there is litigation involved on XX/XX/2022. 

Within 4 days of the Request for Mortgage Assistance on XX/XX/2022, Chase did not respond to the Loan Modification request that was sent by secure message and sent out a Notice of Sale for my Primary Residence at Sheriffs Auction on XX/XX/2022. 

These missteps and errors by JPMorgan Chase Bank and its attorneys are very alarming and indicate that as a result of these errors JPMorgan Chase Bank and its attorneys are causing very serious problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without any explanation Equifax dropped my credit score XXXX points. I called to speak to them and they were insistent that they couldnt explain the drop but they could not correct. I check my credit report every day - all three of them - because I am in the middle of buying a home. I have one credit card showing a balance and I have spoken to that credit company. When the balance hit my score ( {$2900.00} on a {$3000.00} limit ). Equifax dropped my score as did other credit score companies about XXXX points due to the percentage of credit used. However, 3 days later, Equifax dropped my score another XXXX points with no explanation. It is an error on the part of Equifax and doesnt have to do with anything a lender is reporting. I have paid off almost all of my debt and just sold my previous home- this drop by Equifax is unexplained and will result in a negative impact to my ability to get the best mortgage rate on my new home. It needs to be corrected but Equifax customer service just says there is nothing they can do even though they cant explain a reason for the sudden drop which puts equifax score in the XXXX while both transunion and experian are in the XXXX. If these credit score companies are going to hold us hostage on the reported scores they should be able to correct what is an obvious error on their part.
Product: Debt collection

This debt was charged off in XXXX 2012 - This debt collector is reporting this on my credit report, and mailing information to an address I do not live at. 

Attached is a copy of my mailing address.
Product: Credit card or prepaid card

Capital One/Saks Fifth is acting unreasonably as it relates to the one late payment in XX/XX/2019 which was the only during the life of the account due to financial hardship. I have made attempts to contact them via mail and phone without resolution. I am being told different things about goodwill adjustment and nothing is clear. I want the 30 days late mark removed from credit report.