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

I have contacted Equifax on several occasions about information that is incorrect on my credit report. I called on XX/XX/18 spoke with XXXX and XXXX the supervisor. I called on XX/XX/18 and spoke with XXXX. I called on XX/XX/18 and spoke with XXXX. I mailed in copies of my drivers license and social security card on XX/XX/18. on XX/XX/18 when I called I was told there were at three 3 credit files under my name. they combined all the files and the inaccurate information as well. I have several accounts on my file that do not belong to me. I requested disputes on the following dates XX/XX/18, XX/XX/18, XXXX, XX/XX/18, XXXX, XX/XX/18 and XXXXI requested an incorrect address be removed from my account. On XX/XX/18 I received notice that the address of XXXX XXXX XXXX XXXX Mi XXXX was removed from my credit file but this address remains on my file. I have mailed Equifax at least ten copies of my address and social security number and every time I call they claim they can't verify my identity. I have asked several times how did they verify an account that is inaccurate if they can't verify my identity. The last time I called they asked me ten questions to verify my identity and finally on the 11th question they asked me what was payment on a credit card account I closed over two years ago and once I could not answer the question they told me they were unable to help me. I went directly to the website requested a dispute, I was asked four questions answered them correctly and was able to obtain the information I needed after the customer service rep told me they were unable to verify my identity and told me to send in another copy of my address and social security number which is the same address and social security number I sent in just one month ago. There are accounts from XXXX XXXX XXXX XXXX on my credit file I called XXXX XXXX and they have no information with my name and social security Equifax continues to report these accounts on my credit file. There are several collection accounts on my credit file such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have contacted these collection companies they also have no information with my name and social security number. I have disputed these items and followed up my dispute with a request to verify and validate these accounts with Equifax. Equifax has failed to fulfill my request. I have received no information on these requests. My last dispute was on XX/XX/18 regarding these collections, I never received any type of verification but Equifax reports on my credit file in the comment section " consumer disputes account ''
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/1972 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

Over excessively fees charged for late payment and escrow yearly. Ive only received 1 escrow payments in the 17 years of making payments. Applied for loan modification services year ago and never processed just to receive payment for back payments process and lawyer fees twice. I cant caught a break due to over paid fees. Insurance companies payed once for repairs and Well Fargo kelp the check for 5-7 years before payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a bum. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.
Product: Debt collection

I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 4th time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Product: Mortgage

This is the third servicer I have had since refinancing 9 months ago. In the process, records of my tax and insurance products that should have been paid by the escrow account were lost. As a result, my condo insurance was not renewed on time and it required several phone calls to both the insurance company and the servicer to resolve. In addition, because the tax payments were not accurately carried over, my escrow account was nearly all refunded and the payment adjusted incorrectly to a much lower amount, which will then cause a big bill to the escrow down the road. It has taken several phone calls with the servicer and the issue is still not resolved. On multiple occasions I was promised a call back and did not receive one.
Product: Credit reporting or other personal consumer reports

I have been disputing the validity of certain debts reported on my credit file since XXXX  I submitted formal dispute letters to all three credit reporting bureaus ( XXXX, XXXX, and Equifax ), as well as to the debt collectors ( XXXX XXXX, XXXX XXXX XXXX, etc. ), via certified mail. I paid for these mailings and have receipts to confirm delivery. 

Despite my disputes, the debts were " verified '' without any proof being provided to me as required under the Fair Credit Reporting Act ( FCRA ). I made numerous phone calls to the credit reporting bureaus requesting proper verification and documentation, but none was ever supplied. Instead, I was met with inadequate responses and no substantive resolution. 

As a result of these false and unverified debt reports : I was denied student loan funding. 
This denial forced me to take a semester off from school, delaying my graduation and disrupting my education and career timeline. 
I have attached evidence of my efforts, including : Certified mail receipts proving I sent dispute letters to the credit reporting bureaus and the debt collectors. 
Copies of the dispute letters outlining my requests for validation and verification under FCRA. 
Documentation showing no validation of the debts was ever provided. 
The reporting bureaus have failed to fulfill their obligations under the FCRA by : Reporting inaccurate information without proper investigation. 
Failing to provide me with proof of the debts they claim to have verified. 
Continuing to allow inaccurate and unverified information to harm my credit report and financial stability. 
I request that the CFPB hold the credit reporting agencies accountable for their negligence, ensure the debts are removed from my credit report, and take action to prevent further harm to me and other consumers facing similar issues. 

The specific accounts I marked as inaccurate are the account with XXXXXXXX XXXX XXXX Account Number : XXXX ) and the account with XXXX XXXX XXXX ( Account Number : XXXX ).
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain against TransUnion regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and I believe they have failed to comply with legal procedures. 

On XX/XX/year>, I submitted a Procedural Request letter ( tracking number : XXXX ) to TransUnion, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA Section 61, paragraph ( 6 ) ( b ) ( iii ), TransUnion is obligated to provide this information within 15 days of receiving the request. 

As of today, the XXXX day, I have not received the requested information. I request proof of compliance by providing the tracking number of the response or immediate removal of the unverified bankruptcy reporting from my credit profile. The court has confirmed they do not report bankruptcies to credit bureaus, and the information provided by XXXX or XXXX XXXX is unverifiable. 

Enclosed are copies of the letter I sent to TransUnion and a letter from the court stating their non-reporting policy. 

I kindly request the following actions from the Consumer Financial Protection Bureau : 1. Immediate removal of unproven or inadequately reported negative claims from my records and cessation of future reporting until compliance with reporting standards is demonstrated.

2. A comprehensive review of TransUnion 's reporting practices to ensure conformity with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will address this matter promptly and diligently to safeguard my consumer rights. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I applied for USAA XXXX credit card on XX/XX/XXXX by telephone. I was responding to an email marketing/invitation from USAA for the credit card. The representative told that a further evaluation needed to done with my application and that I would have to wait a couple of days for their decision. Subsequently, USAA stated that they would need additional identification from me to establish confirmation that I was who was making the application. I emailed the requested four items of identification ( driver 's license ( front and back ), social security card, copy of my military XXXX and recent utility bill showing residency ) to USAA on XX/XX/XXXX and I received a receipt confirmation email from USAA the same day. 

I attempt several times to follow-up with USAA regarding the status of my application by telephone and even wrote an email to their " XXXX '' addressing the situation on XX/XX/XXXX. I got no response to the email sent. XX/XX/XXXX I received a postal letter, dated XX/XX/XXXX, from USAA stating that my application was declined because " Unable to verify applicant 's identity ''.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit reportsand noticed several inaccuracies on my account. its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account i am asking you to verify. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account and addresses was opened without my permission. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Closed account XXXX XXXX XXXX Date open XX/XX/2020 XXXX : {$15000.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft.
Product: Debt collection

Some time in XX/XX/XXXX, after I pulled my Credit report from credit engine XXXX, I discovered accounts on my credit report that did not belong to me. About a year later, On XX/XX/XXXX after spoken with a friend, he recommend me to file a Police Report, so I did. On XX/XX/XXXX, I started disputing the wrong information on my credit report, I sent my first dispute to the Credit Bureaus. On XX/XX/XXXX, I submitted my third dispute ( the account mentioned below was included ), months went by and I finally was able to remove all the wrong information on my credit report. Since my last dispute XXXX, XXXX, I recently received a collection letter from EMERGENT SERVICING, trying to collect an alleged debt with an alleged CURRENT creditor name : XXXX XXXX, XXXX, from an alleged original creditor name : XXXX XXXX XXXX. That account is part of Identity theft Issue and was listed on my FTC that I sent on XX/XX/XXXX that it is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with carrington mortgage services in my home XXXX XXXX XXXX  XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The XXXX come as REFER/ELIGIBLE.Please advise carrington to remove this 30 day late reporting. I ATTACHED THE XXXX XXXX
Product: Bank account or service

i went to the branch at XXXX, NY XXXX I wanted to deposit {$1500.00} into my account - i needed it ASAP as i had to process payments but they refused to accept my deposit without ID. I asked them to identify me other way but they refused. I was not taking money - it was a DEPOSIT. I was really upset by the treatment and they did n't show me the policy that says so ... It was very humiliating experience. I 've been Chase client for more than 15 years and have numerous accounts but this treatment was unacceptable : by employee and branch manager as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax about an incorrect inquiry that was displayed on my credit report and they did an " investigation ''. They said the company did verify that I made an inquiry so it was correct. When in reality this same company  XXXX  did their own investigation and deemed the inquiry incorrect and sent me a letter that they would delete the inquiry and send a request to do so to the credit bureaus. The other credit bureaus received and deleted the inquiry but Equifax will not do so. They are reporting false information, I never tried to obtain a loan or get a car at that time I do not even posses a license at this time nor then.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive requested a verification letter numerous times and Ive yet to recieve it..
Product: Debt collection

Radius Global Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX Radius Global Solutions, ( XXXX ) XXXX keeps calling my place of business about a bogus debt. I specifically told them I would ONLY correspond by mail and asked for a verification of the debt. It has been 2 weeks and they have not responded by mail and they call me 3 and 4 times every day at work.