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

So Equifax has had this unknown account on my credit report since XXXX. I have disputed over and over to get them to delete it from my credit report since I had no way of contacting the creditor. I have asked them over and over to remove this but they haven't even updated the information. It is XXXX. This is ridiculous I want this removed from my credit report immediately.
Product: Mortgage

I closed my mortgage with US Bank Home Mortgage ( Loan A/c XXXX ) in XX/XX/XXXX. There was excess money in my escrow account there was a excess of US Dollars XXXX. The mortgage company sent me a checck for the same. I could not cash the @ check since I was out of the Country and was held up in XXXX due to XXXX. By the time I returned the above Check has become Void ( since180 days have passed from the date of the Check ). Check No. XXXX dated XX/XX/XXXX. 

I requested the above Morgage for a Duyplicate Check in XXXX / XXXX. Their Customer Service team asked me to contact their Mortgages Released Section who in turn pushed back and asked me to call Customer Service which I have done multiple Times. 

On XX/XX/XXXX I talked to their Rep ( Name not known ). I was promised a duplicate check after they verified all the Info. Nothing happened. I called again on XX/XX/XXXX and talked to XXXX XXXX ( Last name was NOT given ) then again nothing happened. On XX/XX/XXXX, I had to repeat the entire process and this time, the call was handled by Customer Representative XXXX ( last name not given )
Product: Credit reporting

For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Transunion once again removed from my credit report and history. 
I supplied Transunion with my original police report that was also stamped by XXXX PD personnel, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX # XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX
Product: Debt collection

Ambulance bill was handled by insurance company. Have been trying to dispute information from the credit bureau 's but have been unsuccessful. Insurance company handled bill. Instead of removing the collection off credit report the credit bureau 's just removed the amount owed on one report and left the collection open.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, XXXX, Experian, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. XXXX, Experian, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on Experian with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.
Product: Mortgage

In XXXX I requested a line of credit from XXXX XXXX and instead they gave me a second mortgage that paid off my credit cards and car at that time. This is not what I wanted. However I made monthly payments faithfully until XXXX when XXXX XXXX folded and my payment was returned to me. I made several attempts to continue paying the loan, however was unsuccessful in finding out what happened to my loan. Recently I am trying to re-finance my house and have been told that there is a lean on my property and my re-finance will not continue until this matter is resolved. I tired to contact XXXX XXXX again and was told that Value Recovery Group now has the loan, however they will not work with me. This loan appears paid in full on my credit report. I contacted XXXX XXXX XXXX, XXXX non profit organization to assist with this matter, as time is of the essence, and they instructed me to petition for assistance.
Product: Credit reporting or other personal consumer reports

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Product: Credit card or prepaid card

FIRST ISSUE : BANK OF AMERICA EDD CARD I want to file a complaint about Bank of America EDD Card Services. 
EDD money was stole fraudulently from my account on XXXX. 
I received a letter a few weeks ago, saying that BofA did find fraud in the amount of {$800.00} Claim # XXXX. 

Today is XXXX and I called to see when I'm getting my money back. The people at BofA are extremely rude, and even though I HAVE A CLAIM NUMBER, they said they needed to RE-OPEN the case!!! Why was it ever closed, if they didn't give my money back yet!!!??? I want my money and additional for our pain and suffering. We can't even afford to pay rent in California on Unemployment!!! 

SECOND ISSUE : We DIDN'T get the stimulus money either!!! Just because we haven't filed 2019 taxes?! 

This is Ludicrous! We have lived in California our whole lives at XXXX yrs old and XXXX yrs old and this is how California treats the people that have worked hard, paid taxes, etc. We have not received anything other than the first check of {$1200.00}. Thats all we got!! I am learning that California really doesn't care about the people that live here. 

Do you realize there is NO HELP for renters who used to be " middle class '' citizens? Where is the help for people? 
The business owners are receiving NON-PAYBACK LOANS! 
But, the workers whose spouses are on EDD can not pay their bills and they are ADDING UP! 

My husband and I used to bring in total of {$7000.00} or so per month. 
That amount is less than half of that now! 

I DID NOT CHOOSE THE MANDATES! I DID NOT VOTE FOR THEM! 
OUR OWN GOVERNMENT CAUSED THIS, AND THEY NEED TO FIX IT! 

We NEED a NON PAYBACK loan just like these businesses are getting. 
To get a business loan it takes 10 minutes. I want the same process.

The workers and people on EDD are the ones who are suffering as well.

Where is help me and people like me? We can not afford the bills that are piling up.

We shouldn't have to jump through hoops to get help for this. We are going to end up homeless because of this. YES, I have contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX info. and HUD. I am told there is NO FUNDS to help me. I am told over and over, " Sorry, you make too much money ''. Seriously!?? 

I can't even afford XXXX at {$1000.00} per month. Don't even have health insurance at XXXX and XXXX yrs old. 

Rent is now 1 month passed due, so we owe {$4000.00} for XXXX and XXXX. 
XXXX XXXX XXXX is over {$2000.00} Water is over {$800.00} Car Payment is passed due {$1200.00} ( Approx ) Credit Card Payments are stacking up! 

We NEED the stolen money back and we need immediate financial help to pay our debts that are now piling up to an amount that we can not pay. 

The Renters NEED HELP! When can we expect it? 
Why is money still being sent and spent elsewhere, when our own LEGAL citizens are not being helped!?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting

This complaint is of a general nature and impacts others, not just myself. On XXXX/XXXXXX/XX/2015 I attempted to place a security freeze with the XXXX credit bureaus, XXXX XXXX and Transunion. With XXXX and XXXX I found the process straightforward and simple. Transunion on the other hand required me to open an account with them in order to place, manage or remove the freeze. With the abundance of accounts and their various insecurities I balked at creating yet another account. Is there any way to advise Transunion that their method only adds to the concerns of users rather that eases them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is exasperating and plays the attorney games like the politicians in XXXX. After XXXX years, Experian has yet to give me a direct answer why they accessed my credit report on XX/XX/2017 without permissible permission and forwarded my report to XXXX XXXX XXXX XXXX. Experian passes the buck to a dead end or ignores or by labeling complaints as duplicate or giving a very nice and sweet reply that says and does nothing. Experian is a large profitable company but yet a troubled teenage child who can't speak direct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eXXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Student loan

I called Mohela on XX/XX/XXXX to request a refund of about $ XXXX in student loan payments I made during the pandemic. The rep that submitted the request for me said it would take up to 90 days to see my loan balance readjusted in my account and receive the refund via the original method of payment which was through my bank account. I called again in the first week of XX/XX/XXXX because its been over 3 months since I originally made the request and the rep couldnt provide much of an update besides telling me that theyre still working on it and doesnt have an idea of when I could expect the refund back. I get a call a few days later because I emailed Mohela prior to calling them and this new rep told me that Ill likely receive letters in the mail from the Department of Treasury with individual checks of payments I made which is the last thing I wanted because who knows how long itll take for the department of treasury to write those checks, let alone receive them in the mail versus just depositing the amount in my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with Synchrony Bank for a Care Credit account. This investigation concluded on XX/XX/XXXX with Synchrony Bank concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

XXXX is refusing to remove the account from my record and is causing issues with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several requests via mail disputes for EQUAFAX to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EQUAFAX credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. XXXX  should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify XXXX with the letter to update my account but they have yet to fix it. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX  Update account XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my personal information on XXXX, XXXX and Experian was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Debt collection

First Recovery assoc keep calling with a different claim number every time they call with an XXXX number to call back they wont give me any information and ask to verify my last XXXX digits of my SS Its not me and I ca n't get them to stop calling
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am urgently seeking your assistance with the incorrect reporting of a late payment and subsequent delinquency on my XXXX XXXX account with XXXX XXXX XXXX XXXX ( XXXX ). This issue has severely impacted my financial well-being. 

Despite having auto-pay set up, I was not notified of cancelled payments from my bank account nor warned about late or delinquent status. My email account, where notifications were allegedly sent, was hacked and inaccessible for over a year. Despite my repeated attempts to update my email address with XXXX XXXX, they failed to update their records until I manually corrected it last month. According to the XXXX XXXX agreement, I should have received notifications via phone calls, emails, and physical mail. I received none of these communications. Additionally, I was not notified within 21 days as required by Maryland Commercial Law Article Subtitle 9 and Section 16 of the Maryland Consumer Protection Act. I only discovered the late payment after 60 days, when I noticed a XXXX decline in my credit score. 

Since XX/XX/year>, I have sent four formal dispute letters to XXXX XXXX, with the latest letter sent on XX/XX/year>. Although I have tracking numbers confirming receipt of these letters, XXXX XXXX claims they did not receive the last letter. This claim is troubling and indicative of their negligence. 

I also disputed this issue through Experian, XXXX, and XXXX. Despite my efforts, after 60 days, these credit bureaus reported the errors as accurate and stated that they would remain on my credit report for the next seven years. 

Furthermore, XXXX XXXX has been reporting my monthly payments as {$0.00} on my Experian credit report for over a year, despite my consistent monthly payments. This continued inaccurate reporting further exacerbates the negative impact on my credit profile. 

This situation has devastated my ability to secure any form of credit. I am now unable to get approved for even the smallest credit lines, such as a XXXX credit card. Despite promptly paying all missed payments and additional amounts as soon as I became aware of the issue, the negative item remains on my credit report, and XXXX XXXX has refused to take corrective action. 

The actions ( or lack thereof ) by XXXX XXXX appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ), which mandates accurate reporting and proper notification. Additionally, their failure to notify me in a timely manner violates Maryland Commercial Law Article Subtitle 9 ( Md. Code Ann., Com. Law 12-901 et seq. ) and the Maryland Consumer XXXX Act ( Md. Code Ann., Com. Law 13-301 ). 

I urgently request that the CFPB intervene and instruct XXXX XXXX to immediately remove this inaccurate and harmful item from my credit report. The ongoing impact of this situation is severe, and I seek your prompt action to rectify this injustice. 

Thank you for your immediate attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

XX/XX/XXXX, I received a letter from attorneys about an account going into collections. I responded that I do not know anything about this debt and requested documentation. I received a correspondence after XXXX of the activity and charge offs statement. Upon reviewing the correspondence I noticed that the address used was incorrect and so is the government first name. I have reviewed my annual credit report and saw that they were inquiries made that I did not recognized and alerted XXXX to freeze my credit file until this is resolved. I called Comenity Bank Fraud Department on XXXX to report the fraudulent account due to identity theft. Spoke with XXXX. XXXX of the 4th precinct substation and was instructed to go to bigger the 4th precinct after holidays to submit report with detective. Detective deemed letters to be fraudulent, advised not to give any info. Received summons letter XX/XX/XXXX and will return to precinct to request police report to be filed.
Product: Debt collection

EVERYTIME I SEE MY CREDIT REPORT, THESE FRAUD ACCOUNTS ARE STRESSING ME OUT. 
I WANT THESE TO BE PERMANENTLY REMOVE FROM MY REPORT.