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

Hi My Name is XXXX XXXX, I have premier account with Equifax Credit Reporting Agency, where I can login any time and get my credit score and check my report, I do this every month to check for any changes to my score. 
Back on XX/XX/2021. I logged it to my account and my credit score was as usual Excellent XXXX points. It goes up or down a point or two every couple of weeks. This was confirmed by Equifax order transaction number is XXXX. 
In XX/XX/2021 I tried to print the report I generated in XX/XX/XXXX, to show it to a land lord who I was trying to rent his house.

When I tried to login to my account, Equifax system asked me to switch to a new platform they developed, I tried to avoid this by logging into my old platform, but the system wouldnt let me in. 
After several tries, I logged in to their new platform, in there it shows that my credit score has dropped XXXX point to Good XXXX points. And it did not show any events in my report that may have caused this drop. 
I called Equifax and they told me that they switched a new system and changed the way they do the calculations of the scores and that I do not have access to my old reports anymore, and they did not give me any reason why my score dropped XXXX points over night. 
Now the new platform only shows my credit history from XX/XX/2021 only with no access to any old reports generated in my account. 
I filed an Online Dispute submission. Ticket # XXXX to Equifax, and they answered me back with general information with no specific details to my compliant or gave me any explanation why my score changed too. 
I need a full detailed clarifications to why my score dropped from excellent XXXX points in XXXX XXXX to Good XXXX Points in XX/XX/2021. 
I need to have access to all my old reports history. 
Thank You
Product: Credit card or prepaid card

On XX/XX/2019, I went to XXXX XXXX to reload my American Express Serve Green card. The transaction was denied, but {$500.00} was taken from my debit card. The next day I called the payment services of XXXX XXXX at XXXX and was told to call back the next day when the transaction posted to their database. The next day, the transaction had posted, and I was short {$500.00} on my debit card, and it was not in my Amex Serve account. I was called by a XXXX representative who told me to go to the store and that the store would issue a refund. I received my {$500.00}. But, Serve has had my account locked since XX/XX/2019. I have not been able to take funds off of my account, and they state that the account is under investigation. I have called their customer service multiple times and have not been able to get my account unlocked. They've stated it will be unlocked in 24-48 hours, but it has been almost 30 days. Finally, one person from Serve told me that I should get XXXX XXXX to write a letter stating the problem was resolved and mail it to the mailing address on Serve 's website. This was last week on XX/XX/XXXX, and it should've been mailed on the XXXX according to the District Manager of XXXX XXXX that I talked to. My Serve account is still locked with no way for me to access any of my funds that were on there previously.
Product: Debt collection

I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with Equifax since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. Equifax has refused to update my credit report and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation 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 XXXX, alleging systemic 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 XXXX has neither corrected nor removed.
Product: Checking or savings account

In XXXX I wanted to closed one of my account at my bank. Instead of the account being closed the bank add a maintenance fee of {$9.00} in XXXX the bank added another {$9.00} maintenance fee. In XXXX the bank gave me a courtesy credit. 
In XXXX the bank when to my active account under phone transfer and removed {$18.00} from my account. When I send an email to the bank requesting to close the account and return my money the email was deleted. Now the bank has not closed the account and doing the process over again, a {$9.00} maintenance fee for XXXX.
Product: Mortgage

Last year our mortgage was sold to Midland Mortgage ( not our choice ). At some point we asked them about their assistance program to see if we could lower our monthly payments. They recommended we do a 3 month trial period where we pay a smaller mortgage ( was literally only {$200.00} less a month than we normally paid ) and at the end of this trial they would send us new terms to look over. Well NEVER did they mention to us that A ) this would be a HUD loan they would be trying to get us to do and B ) that this would affect our credit score. Obviously once this " trial period '' was over, we declined the new terms and said we were not comfortable doing a HUD loan. At this point we just had to pay the {$600.00} total that we were not paying during the 3 month trial to make the trial period over and we would go back to our normal terms. They ended up reporting to the credit bureau that during those 3 months we were delinquent. I have statements showing they requested a {$200.00} less a month payment and we paid what they requested. NEVER did they tell us ( not even AFTER we told them we did not want to proceed with the new terms after the trial period ) that this would affect our credit. I have called the company MULTIPLE times and talking to their customer service is HORRIBLE. They are rude, know nothing, and do not offer to help at all. Apparently there are no bosses or managers at their company when you ask to speak to someone above the customer service rep. I will at this point be fighting it on my actual credit score. We have had 5 different mortgage companies in the last 3 years due to our mortgage getting sold. Midland Mortgage is by far the worst company. I have never gone online and written a bad review about a company before until now. I would never give this company a dime of your money. They will take advantage of you.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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.

( i did not give you 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 or other personal consumer reports

Dispute and Request for Update of Personal Information I am submitting this complaint against Transunion Credit Reporting Agency regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, AND, on my credit report. I request that my name be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of utility bill. 


Request for Confirmation : I request that Transunion Credit Reporting Agency investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, XXXX, and Equifax this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Product: Debt collection

Hello, since time ago I have been trying to get bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letter that I myself have made and sent so that yu can see the errors that I highlight to the bureaus and which they have ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : Collection : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$710.00} Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/year> - I recently spoke with this company regarding a collections debt that is on all three of my credit reports. The creditor is XXXX. Ive requested on multiple occasions from this collector a debt validation letter and theyve refused to provide me with what Ive requested. Each time Ive requested the debt validation letter, they share that they can only provide a receipt of the total amount ( last bill ) from the company. I shared with the collections team that I needed to review a contract of some sort to confirm that it was me that had the debt and each time, I am denied or not provided a follow up of my request. Their only attempt is to collect on the account. They advised that it should be me that should contact XXXX regarding what Ive requested XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Barclay cc in earlier XXXX and have the full amount paid in/on time ( billing cycle ends on XXXX and I paid in full on XXXX ). Yet they charged me late fee + interest for past few months which I just recently realized upon rejection on mortgage since early XXXX. Becuase of their abusive useage of the banking system, my persona credit dropped XXXX points recently which result my mortgage amount doubled in interest from an average of 3.87 % to the market price of 6.125 %. My mortgage principle is {$100000.00}. Due to the dropping credit score by abusive useage, my application was misdirected and delayed. As of now, the paid off total increased by {$100000.00} from {$200000.00} to {$300000.00}. Barclay shall be 100 % liable and responsbile for the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.
Product: Credit reporting

I made XXXX application for credit at my local XXXX dealership and there are XXXX hard credit inquiries on my credit report rather than just XXXX inquiry. This has lowered my credit score considerably. The credit reporting agencies do not provide a method to correct this obvious error.
Product: Debt collection

I wasnt aware of the debt I owed. National Credit Systems never send a letter of validation for the debt originally credited to XXXX XXXX XXXXXXXX XXXX. The account was reported to XXXX on XX/XX/XXXX and I have yet to receive information regarding dispute rights, validity of the debt, and payment options as of XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} CONNS XXXX Balance : {$2800.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

I originally applied for a Deed in Lieu in XX/XX/XXXX.  I was denied in XX/XX/XXXX because I had a XXXX mortgage.  The XXXX mortgage was disclosed on the deed in lieu application and is even serviced by the same company as the primary mortgage.  This all seemed like a delaying tactic.  In XX/XX/XXXX, I received a notice that the XXXX mortgage had been written of in XX/XX/XXXX.  I reapplied for the Deed in Lieu in XX/XX/XXXX.  I am still seeing delaying tactics from the mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, Discover account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File : XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Debt collection

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). 

The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss mitigation options. In addition we request that you suspend foreclosure during this appeal in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ). They did not do their diligence in obtaining the approval to complete a additional loan modification to assist the client in obtaining their loan with the VA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax several times regarding the inaccurate information on my credit report. I was instructed to provide Equifax an fraud FTC affidavit which I've done. I disputed an Item now 5 times since XX/XX/XXXX and everyday I'm been giving the run around from Equifax office of consumer affairs. 

I asked the office of consumer affairs several times for a supervisor or a manger when the call isn't going well and every single time I've been denied a right to escalate the call to a manager or supervisor. They continue to give poor customer service and talk and deal with you in a very rude manner. 

Also Equifax has blocked my online access to log on my credit report and to dispute or check the dispute status online. I feel discriminated and feel like my rights are constantly violated from Equifax. 

I've attached my FTC affidavit to this complaint for record. 

The following items are result of ID Theft : 1. XXXX XXXX 2. XXXX  ( Inquiry ) 3.  XXXX ( Inquiry ) 4. XXXX ( Inquiry ) 5.XXXX XXXX ( Inquiry ) 6.XXXX XXXX ( Inquiry )