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

I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX/XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month.

XXXX XXXX  ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )
Product: Credit card or prepaid card

On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. 
On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. 
What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?
Product: Credit reporting or other personal consumer reports

I recently obtained copy of my credit report and noticed that Equifax was reporting XXXX XXXX account number # XXXX Is reporting inaccurate late payments XX/XX/XXXX - 60 days late XX/XX/XXXX XXXX90 days late XX/XX/XXXX - 120 days late XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing date XXXX missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - missing data XX/XX/XXXX - charged off XX/XX/XXXX - charged off XX/XX/XXXX - charged off XX/XX/XXXX - charge off XX/XX/XXXX - charged off XXXX charged off How can I be 60 days late without being 30 days late. Also there is so much missing data. And how can an account be charged off each month that is illegally re-aging my account. 
It is the credit bureaus responsibility to report complete and accurate information. Please update this account to paid as agree I have attached copy of credit report as proof and I also attached my ID and social security as proof of Identity
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. 

I am a XXXX XXXX XXXX and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to XXXX XXXX. 

Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute three times, preventing me from exercising my rights as a victim of XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. 

I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX XXXX ( Please respond only by email or phone call ) XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the fair credit report act.to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or univerified accounts unresolved.
Product: Credit reporting or other personal consumer reports

I filed a complaint against XXXX XXXX XXXX XXXXXXXX because of an unknown account. They replied back on XX/XX/31 stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the XXXX XXXX response with authorization code.
Product: Debt collection

This debt collector Paramount Recovery has illegally obtained a medical debt that was originally started in XX/XX/XXXX from an Emergency Room visit. This debt is now over 10 years old and is being represented as a new collection as of XX/XX/XXXX. This debt is past the statue of limitations for the state of Florida. I have never received any notifications by phone email or postal mail for this account. This company has now placed this account on all my Credit Reports and as result has seriously affected my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. 
I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.
Product: Vehicle loan or lease

I am submitting this formal complaint regarding inaccurate and unfair credit reporting practices by Danco Financial Inc concerning my account.

The issue stems from the creditors failure to update or remove the account after issuing a 1099-C ( Cancellation of Debt ) for the tax year 2020. Despite my efforts to resolve this matter directly with the creditor and through disputes with the credit bureaus, the issue remains unresolved.

Specifically, I believe the following violations may have occurred : Failure to accurately report the status of a debt that has been canceled or written off.

Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information.

To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( Experian, Equifax, and TransUnion ). 

I am providing the following supporting documentation for your review : Copy of the 1099-C issued by Danco Financial for tax year 2020, which confirms that the debt was canceled and should no longer be reported as active.

Any responses or lack thereof from the creditor or credit reporting agencies.

This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial complies with all applicable consumer protection laws.

Thank you for your time and attention to this important matter.
Product: Mortgage

Over the past month, BB & T and Sun Trust Banks have merged to form Truist. Truist bought or obtained XX/XX/XXXX of conventional mortgages in the process. Truist then forced everyone to switch to their online platform and app in order to make payments for all mortgages, because they have no brick and mortar stores ( only online ). The Truist App and the online Truist platform do not accept online payments because the designs are flawed. I have tried to submit payments online and via the app every day since XX/XX/XXXX and the website and app just crash. The only way to submit payment is to call and wait hours on hold before you can talk to a person and submit payment. On the phone call, the tech support state that they know about the issues, that they receive calls all day about the app and website not working, and yet they have no resolution. Truist should not be allowed to buy and service loans if they are unable to provide a platform to help customers pay, track payments, and get the help they need. They certainly should not be allowed to charge anyone a late payment penalty or report missed payments to the credit bureaus if they don't have a way to make payments. Truist should be shut down immediately.
Product: Money transfer, virtual currency, or money service

I can't go through with my international transfer. I've been trying for the longest without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove XXXX XXXX XXXX account from my personal credit file.
Product: Debt collection

I received email from credit bureaus that second round debt collection has reported a bill that I owe them in amount XXXX from XXXX XXXX. I have good credit history with XXXX. I have no knowledge of this debt. Can you please resolve the issue
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Debt collection

Under 15 USC 1692 ( c ) that law clearly states that, if a consumer notifies a debt collector that the consumer refuses to pay a debt, that collector must cease all communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XXXX XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I called Santander consumer USA if I could give a lump some and lower my payments and they told me no. Then I asked them to pick up vehicle but they told me no after recording my statement and told me the only way they could get it was if I pay for storage fees. I explained I never heard of that and that if I have the money I would just keep Making payments. She told me to go back to the dealership and see if they would take the car back.
Product: Student loan

I have been on the Income Driven Repayment plan with a {$0.00} minimum payment. I am XXXX XXXX military and my understanding is that this is supposed to count towards the 10 years for the public service loan forgiveness program. Yet, the company keep automatically placing me on deferment plans that don't count towards the 10 years. This is in addition to the rude, bad, and/or misleading information that I get from the extremely rude customer service representatives when I call. It really seems as if they are purposely trying to ensure that this program is not used by service members.
Product: Mortgage

In XX/XX/2019, I paid off a home mortgage. The company servicing the mortgage, LoanCare LLC acquired by XXXX, immediately closed out access to the escrow account which denied information needed by me to audit the account. XXXX failed to provide a 2019 IRS Form 1098. Although I've made repeated attempts by written correspondence telephone and internet to access the account, XXXX has only responded by automated means denying that the account ever existed. My records indicate that about {$500.00} of excessive escrow funds remained in the account. 

For the past five months, XXXX has failed to respond to my requests by written correspondence, telephone calls, and website postings to resolve this issue. A complaint made by me to the XXXX XXXX XXXX regarding XXXX failings only resulted in an ineffective form letter from XXXX sent to the XXXX. 

In my opinion, XXXX is a debt collection agency posing as a mortgage servicing company for the purpose being involved in cash flow. Their customer service is virtually non-existent. The company 's disregard for providing financial info needed to resolve issues and failure to provide an IRS Form 1098 verges on fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCT : XXXX Amount : {$530.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

Someone that I do not know is using my personal information to obtain multiple credit card accounts. I have never agreed with that person to open these multiple credit card accounts. I am afraid that my personal information was stolen by the third party, and that party pulled many different credit cards without my personal consent. I believe that this act was going on for a while, and I did not know about it. 
To resolve this problem I requested deletions and block of fraudulent accounts that have been created by an identity theft crime. 
Unfortunately, XXXX  and Trans Union are still reporting several fraudulent accounts on my credit report. A police report and Federal Trade Commission identity theft report have been submitted to them. 

All other accounts that were made without my knowledge are listed below. 

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
Product: Debt collection

I called the phone number back that has been calling me daily for weeks now ( XXXX ) only to hear a prerecorded message stating that it is Sequium Asset Solutions attempting to collect a debt. There are no outstanding debts for either myself or my husband, with the exceptions of our home, cars, student loans, and credits cards, all of which are up-to-date on their payments. I believe these phone calls to be an attempt to extort information from me due to my having good to outstanding credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax initiate a security freeze on my account and also not reporting over 8 credit cards on my account ( Estimate total- {$30000.00} ) that I am authorize user on, all cards are reporting on other credit agency and i already spoke to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX. I was told by each company they report to all 3 credit bureaus. They even remove some of my reporting cards without my knowledge. I have called more than 6 times trying to resolve this issue and also fax paper work to verify identity including credit cards information. Equifax initiate the freeze on its own without me knowing until i try pulling my credit and was not allowed. 

I contact them on XX/XX/1921, XXXX, XXXX and XXXX. Faxed in some paperwork to verify identity and credit card information ( The ones not reporting ). Also on XX/XX/XXXX and the XXXX. 
I keep getting run arounds with different answers from different people. Its really frustrating, please help.
Product: Mortgage

earlier this week I heard our California Governor say on live tv that all mortgage companies will defer your monthly mortgage payments up to 3 months without any penalty. he said that the way it would work is we can defer 3 monthly payments and our mortgage company can just add those 3 payments to the back side of our loan without any extra cost or penalty to us. 
So I called our mortgage company to ask them if we can defer our payments like XXXX XXXX said, because myself and my wife are both temperarly out of work for a few months because of this corona virus. its not our fault that we can not work right now because of this virus. The governor ordered a state wide lockdown. so we are not allowed to leave our house unless we need to get food or essential groceries. We both had to file for unemployeement insurance to help us get by until its safe for us to go back to work. And to my surprise the mortgage company said they will not cooperate with what XXXX XXXX said about defering our mortgage. This is why I want to report this company. This demonstrates bad faith and a bad business ethic on there part. The name of this company is Lakeview Loan Services LLC I will gladly give you my personal account info if you need it later. I can be contacted by phone or email just about anytime.
Product: Mortgage

I would like to reopen case # XXXX. 
I feel I have not been treated fairly by Wells Fargo in regards to loan modification request. 
There response did not answer my questions. 
I will attach my original complaint and my reply to Wells Fargo. 
Please refer to the above case # for Wells Fargo response to my original complaint. They sent a lot of information that avoided my main questions. The information they sent only confirms my conclusion that they could have lowered my home interest rate but just chose not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very unhappy with the equifax service as i wanted to pull out my credit score to buy a house for the first time ever and i heard that equifax is the only reliable credit report that the mortgage people accept. I pulled out the report and my credit score came out to be low and then i observed that there is one more name resembling to my name on my account and i had her all bank and job and phone account under my report which is incorrect and because of which reason i was unable to buy the house i wanted just because the mortgage people wont proceed without the report. I called equifax and i told them what wrong is happening with my account and i told them what account were mine and which all were not and the representative noted it all. He told me it would take 10-15 days to implement the changes made. I waited for another 15 days and got my new report which had the same lady 's accounts as well and nothing was changed on my file. Instead they removed my credit card without even my consent. I again called today and wanted to sort out things but they said it will take another 15 days and wanted me to fill out a dozen forms and send some documents. I again received an alert on my file that my address got changed now which was incorrect because i never chnaged my address. how can someone else make changes to my account and if i need to get things straight and correct then i have to fill forms and wait for a period which totally is baseless and does not make any sense to me. Now someone else is operating my account as i should say that it is an identity theft and i am not being helped accurately. I am very annoyes and i wish there was some another company in competition with this company so that there is professionalism and accuracy maintained and so they will know if they dont provide accurate report then the company opposite them will. That is my personal opinion as equifax here is just wasting peoples time and doing nothing. I have wasted so much of time and missed the houses i wanted to buy just because these people have played with my identity and account. Its XX/XX/XXXX today and it has been a month now but still someone else is operating my account. I need an action against this please. I want all the accpiunt removed from my account which are not mine asap. I am also including the report and please confirm with me about my accounts.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.