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

My mortgage was being serviced by Loancare , LLC of XXXX XXXX XXXX, XXXX XXXX Va XXXX. They automatically took the mortgage payment from my checking account on the first day of each month ever since they took over servicing the mortgage. Our LAST mortgage payment was due to be taken out on XX/XX/2021, and more than enough funds were there. However, Loancare failed to take out the last payment on XX/XX/XXXX, which I did not realize until after I looked at my Bank Statement after XX/XX/XXXX, and claimed that I had not asked for a pay-off letter so they did not take the final payment. No one ever told us that we needed to request a pay-off letter, and after requesting one, they demanded that we wire the last payment to them even though it was less than the money they were holding in escrow for taxes and insurance. ( They did refund that money later. ) We wired the money immediately, at a cost of {$35.00}, but in the meantime, Loancare reported us to the Credit Reporting Agencies as missing payments, which caused a huge drop in my credit score.

When I wrote to Loancare to correct their mistake, all they did was to report that the account was now current and closed, never correcting the erroneous characterization of our payment as being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent letter to the 3 credit reporting companies Transunion XXXX and XXXX, asking them to do a Theral review of my credit report, they did but i did research and found improper even after their Theral research. the account # XXXX XXXX XXXX XXXX does not belong to me and several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX lease only, all pulled my credit report without my written okay to them. In accordance with the fair credit reporting act XXXX account # XXXX have violated my rights 15.u.sc6181 section 602a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions, i have done none of that i had no knowledge. i have been frauded not only by the person whose been using my identity and by the credit reporting bureaus.
Product: Debt collection

VARIOUS COMPANIES SENT NOTICE DEMAND FOR PAYMENT ON FRAUD ACCOUNTS/ NOT MY ACCOUNTS : " DEBTSY, XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX XXXX , XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX SXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX left a message on my managers voicemail on XX/XX/XXXX stating that he had received my complaint and either me or my legal counsel need to contact him. File # XXXX. I received a call on XX/XX/XXXX starting that if they didnt hear from me they would be turning it over to XXXX County to collect. I had until the end of the day or XXXX XXXX  the next day to reply.
Product: Money transfer, virtual currency, or money service

When I have issues with my cash app I am not able to get to talk to a live person and my issues are never resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED IN TO EQUIFAX TODAY AT XXXX CENTRAL TIME ABOUT A DISCPUTE I SENT IN XXXX, AND ALSO ABOUT ITEMS LISTED ON XXXX XXXX WEBSITE WAS INCORRECT AND WHERE THAT INFORMATION CAME FROM. THE FIRST REP I SPOKE WITH WAS NAME XXXX IN THE XXXX IN THE DISPUTE DEPARTMENT, TRIED TO EXPLAIN TO HER SHE WAS VERY RUDE AND NASTY. ASKED TO BE TRANSFERED TO US REP, SPOKE TO XXXX ID # XXXX, SHE ADVISED ME I HAD 2 CREDIT REPORTS ONE WITHOUT A SOCIAL, SHE WAS NICE SHE TRANSFERED ME TO XXXX IN NEVADA. SHE TRIED TO ASSTS ME BUT THE LINE DROPPED ON HER END. I CALLED BACK AND SPOKE WITH XXXX ID # XXXX-NEVADA REP. SHE ADVISED THAT SAME THING I HAD 2 REPORTS AND ONE WAS REPORTING A BANKRUPTCY, I ADVISED NO INFORMATION ON THAT NOT ME AND FROM THE CREDIT REPORT THAT WAS SENT BY EQUIFAX TO ME ON XXXX XXXX CONFM # XXXX NO BANKRUPTCY WAS SHOWING ONLY 3 COLLECTIONS THAT I WAS DISPUTING AND 21 FALSE INQUIRES I WAS DISPUTING. SHE PLACED ME ON HOLD FOR 1 HOUR AND 10 MINS CAME BACK TO THE LINE AND ADVISED SHE NEEDS ME TO SEND A COPY OF MY ID AND PROOF. ADVISED HER ON XXXX I SENT A COPY OF MY ID UTILITY AND WATERBILL TO EQUIFAX TO PROVE ME, SO THEY COULD SEND ME MY REPORT. AFTER SENDING THEM THOSE ITEMS EQUIFAX SENT MY REPORT. SO WHY NOW THEY STILL DONT HAVE MY PROOF ON FILE. ADVISED I NEEDED CORP OFFICE INFO SHE REFUSED TO GIVE ME CORP OFFICE INFO OR HER SUPERVISIOR INFORMATION, I ASKED TO SPEAK WITH HE SUPERVISOR WHOM SHE CLAIM WAS HELPING HER SHE REFUSED, SHE TRANSFERED ME OVER TO THE XXXX AND I SPOKE WITH XXXX AND GAVE HER MY INFORMATION PLUS THE CONF # XXXX FROM EQUIFAX 3 TIMES SHE ADVISED SHE COULD N'T PULL IT AND WAS DIFFICULT TO UNDERSTAND HER ASKED HER TO SPEAK TO TRANSFER ME TO US REP, SPOKE WITH XXXX IN NEVADA ID # XXXX HE ADVISED HE CANT SEE ANY OTHER INFORMATION FROM THE PRIOR REP AND ALSO ADVISE THAT THERE IS NO XXXX WITH ID # XXXX IN NEVADA, HE ADVSD TO WRITE THE CORP OFFICE. HE ALSO ADVISE THAT HE DOES N'T SEE MY INFORMATION I SENT IN PRIOR. ADVISE HIM OF THE CREDIT REPORT I RECIEVED ON XXXX. SO EQUIFAX HAS BEEN SENDING ME FALSE INFORMATION AND STILL HAVE N'T SENT ME THE CORRECT CREDIT REPORT OR ANYTHING. I HAVE NO CLUE ABOUT MY CREDIT PROFILE FROM EQUIFAX BECAUSE THEY HAVE 2 OR 3 WITH SOME OF MY INFORMATION AND THIS IS FRAUD. AND THEY HAVE LOST MY PERSONAL INFORMATION THAT I SENT IN THE BEGINNING SO THAT I COULD RECIEVE MY CREDIT REPORT. IM SENDING YOUR THE REPORT EQUIFAX SENT ME, WHILE THE OTHERS REP CLAIM THERE IS MORE FILES ON ME BUT REFUSED TO SEND OR TRY TO FIND OUT WHATS GOIN ON
Product: Vehicle loan or lease

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this account. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXXXXXX XXXX opened XX/XX/XXXX under the account number XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Debt collection

Lexis Nexis has not provided no proof of no liens showing my name nor social security number.Lexis Nexis just state things with no proof to as there response collecting data or information that is not correct nor the amount showing correct. There has been no documentation and what law gives Lexis Nexis the right by law to state information with no proof from the source that Lexis Nexis states with no documentation to support there claims. There has been no proof from the source of the debt by the debt from them stating any liens or taxes by the the debt owed to by them from them. Lexis Nexis has not provided by law any documents by the debt that Lexis Nexis states from the source Lexis Nexis just has words with no supporting proof from the IRS or State that Lexis Nexis make claims.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX  XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle. 

I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry. 

Later in XXXX, another hard inquiry from XXXX  XXXX  from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not. 

I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills. 

I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations. 

Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX. 

I have disputed both hard inquiries through XXXX  and XXXX. XXXX took them off. XXXX  states that they stand due to XXXX XXXX  stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 EXPERIAN WAS NOTIFIED OF DISPUTED XXXX XXXX XXXX # XXXX account. Failed to acknowledge notice within 5 days and failed to report as disputed and also failed to remove for obvious inaccuracy ( high balance reported as lower that the balance ) XX/XX/2021 -- -XX/XX/XXXX and beyond : EXPERIAN continued to report inaccurate information after being notified that XXXX XXXX XXXX , XXXX XXXX reports that an account shown as a charge-off/collection has a HIGH BALANCE that is LOWER than the BALANCE, which is impossible. 

Also, although Experian was notified of this dispute, it has failed for nearly seven months to report it as disputed. 

EXPERIAN has repeatedly violated the FCRA regarding the XXXX XXXX XXXX # XXXX entries since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account is showing up on my credit report on all three majors credit bureaus. The account has inaccuracies. The balance is different on XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On Saturday XX/XX/year> I attempted to pay bills with my Debit card. The card Declined regardless of more than sufficient funds in the account. I called the 24 hr service holine and got told the card was locked due to an attempted charge of {$29.00} was attempted multiple times at a XXXX store. Was recommended to have the card replaced I agreed. Monday morning I called to make sure the card had been ordered. Was told yes but it was canceled due to a fraud investigation. Later that night my online banking had been disabled. Now I'm waiting for repossession of my vehicle because my funds are locked away from me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had repeated issues with Trans Union. Long hold times and multiple transfers, no one can help me. I continue to get redirected to websites and are not in existence or invalid. 
I am trying to find out why my credit score decreased XXXX points and no one is able to answer the question. I was sent to service.transunion.com and get the error code 1020, access denied. I have received this error numerous times in the last year and each time I call in, no one can assist me. 
Additionally, the rep I was woking with tonight gave me a link to access my credit score and find out why it decreased ( he stated that was the only way I could find out ) and I would have to pay XXXX with him over the phone or i could access annualcreditreport.com and pay XXXX. There is no such option on that website. 
I called someone else and she told me that my account needed " maintenance '' and that she was forwarding it to the maintenance department and I should wait for a letter. She said that my score may change once maintenance is performed and in the mean time it would be a good idea for me to send a copy of my Drivers license and ss card with a note that I am sending this for maintenance to my file. She told me to send it to XXXX XXXX XXXX  XXXX PA XXXX. 
I have spent the last 6 hours holding and being transferred around Transunion without resolution and still not being able to access my account or know why my score has decreased so significantly.
Product: Credit card or prepaid card

My TD double cash card is not showing on any of my credit report please fix this. Also the app is not showing my card information such as balance or how to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.
Product: Mortgage

Arvest assumed my loan from another processor. They appear to have intentionally instituted practices that make it arduous to process payments on a regular basis. From the moment that they bought out the loan, their communication was lax and forced all efforts and time required to re-establish ongoing and recurring payments on myself. I attempted to establish a recurring payment with them but their processes have made that nearly impossible. I have three homes. I have two other loans that have been sold multiple times. I have never before been late on a payment. This is the first time that I have experienced such horrible practices. Due to them, I was late by 37 XXXX days on a payment. I had NO idea this was outstanding. NONE. They have been terrible. I would love to switch loan processors but of course I can't. They then reported me to the credit reporting agencies because they failed to tell me their was a payment they didn't receive. I will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for a credit limit increase to Capital One Bank which has been denied many times arguing that my credit score is under 600 but it is actually over 650 according to XX/XX/XXXX 
XX/XX/2021 request was denied. Current credit limit is {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter back in XX/XX/2020 and again in the beginning of XX/XX/2020 and my letters are being ignored. Also I have many duplicate accounts on my report, false late fees, and bankruptcy past XXXX years old and many other discrepancies keeping me from closing on my house. This is so unfair to me as a consumer, the bureaus are ignoring peoples needs and not sending letters back.
Product: Credit card or prepaid card

On XX/XX/2022, two hard inquiries were completed to my credit. A credit card was opened through XXXX for the XXXX XXXX XXXX. Another application for a credit card for XXXX through XXXX XXXX  was submitted. According to XXXX a card was never opened. XXXX was able to close the account. Experian was notified and able to begin the dispute to the inquiries. Experian requested that I submit a report to FTC and upload the report under my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX delaware is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 3 different credit amounts {$2700.00}, {$0.00} and {$2000.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

All requests took over 30 days to resolve. XXXX, Equifax and XXXX all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for XXXX  credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the discharged student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the XXXX credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a XXXX  in XXXX, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.