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

I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX and Experian. Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my Experian credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Experian Acct XXXX XXXX ACCT and XXXX XXXX Experian Acct More specifically, I am referencing the fact that you are reporting " an incorrect high balance '', " not applying my payments correctly ", " reporting old debt as new '', " an incorrect account number '', " an undated late pay '', " a missing field of 81 month account payment history '', " the wrong account type '', " an incorrect credit limit '', " a late pay after account was closed '', " an inaccurate date of last activity '', " an inaccurate date of last update '', " an inaccurate reporting date ''. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Experian and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late.

I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Product: Mortgage

I did a refinance on my home through XXXX mortgage which is cherry creek mortgage, all went went I made my first payment to them and immediately after that they sold my mortgage to XXXX bank, it has been over 70 days since payment was made and cherry creek will not transfer payment to new servicer, I have called about 5 times and sent several emails and in every attempt the answer was we are sending payment today and never did, I am reaching out to solve this issue
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 with regard to place an extended fraud alert states, " Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall '' Please note it states submission of an identity theft report and appropriate proof of identity. 
XXXX XXXX XXXX  with regard to extended fraud alerts states, " Who can place one : An extended fraud alert is only available to people who have had their identity stolen and completed an FTC identity theft report at IdentityTheft.gov or filed a police report. '' Please note it states an FTC identity theft report OR a police report. It does not require both. 

On XX/XX/2024, XX/XX/2024, and XX/XX/2024 a written request to place an extended fraud alert was submitted to Equifax that included a signed and notarized affidavit of identity theft, a police report filed with XXXX, a copy of valid XXXX driver 's license, copy of XXXX XXXX tax statement displaying full SSN, and copy of utility bill showing name and address. These documents fulfill the requirements of making a request, filing a report of identity theft, filing a police report, and providing appropriate proof of identity. 

All three requests were denied by Equifax who in written response stated " Please be advised that to add an extended fraud alert kindly forward a VALID COPY OF XXXX REPORT, LAW ENFORCEMENT REPORT, AND A VALID COPY OF FEDERAL TRADE COMMISSION REPORT. '' From this response is appears that Equifax has taken it on itself to rewrite the requirements a victim of identity theft must comply with to get a federally mandated protection by require not just an either/or, but a BOTH. A plain text reading of that response states that a police report and a FTC report must be presented. In making this unilateral change of requirement Equifax has engaged in a WILLFUL violation of 15 U.S. Code 1681 and Federal Trade Commission regulation. 

Since Equifax likely sent this response using a pre-formatted response it is reasonable to assume that any victim of identity theft who has made this same request and provided only a police report or only an FTC report since XX/XX/2024 ( if not prior ) has received the same response to require production of both. This would mean each and every instance that Equifax provide the response that is a WILLFUL violation would be subject to and punishable by separate fines for each instance. 

Please also note the victim in this matter is of an age that Equifax 's actions may constitute Elder Abuse under XXXX State law where the victim resides.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting

I have asked multiple times for XXXX, XXXX XXXX and Equifax to correct or remove the public record Ch. XXXX Bankruptcy. They have not and continue to report it as a new Bankruptcy. My credit report needs to read " Date Filed : XX/XX/XXXX. '' " Date Successfully Completed : XX/XX/XXXX '' All XXXX credit bureaus have this as a New Bankruptcy and they refuse to correct their wording.
Product: Credit reporting or other personal consumer reports

US Bank has reported my account for 3 months to XXXX as showing a balance on my account. It was opened in XXXX, XXXX  and paid off with the same month. It has been nonstop on my credit report since then. I file a dispute each month with XXXX and it has a couple of times showed no balance, then within days I get a notification that my card has the balance. I am in the middle of refinancing my home and this is going to hurt me and I would like for someone in authority to please check why they cant get their information corrected. Ive called them many times and they verify a XXXX balance but can not explain why its not corrected on my credit report. This is absolutely unacceptable.
Product: Credit card or prepaid card

I was checking my credit report and this debt is on there, preventing me from financing for an auto, I have called to dispute this debt. I NEVER opened a credit card. I sent a letter for validation of Debt requesting Copy of the Original Contract, Copy of the payment history, Name/Address of the original creditor and proof of debt assignment. I only received a monthly statement from XXXX XXXX  and an account summary report showing the original creditor, a second company as the creditor and now this Resurgent Capital Services as the creditor. I have NOT received validation of this debt. I have disputed this debt. I have done all that I can but gotten nowhere.
Product: Debt collection

I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for refusing to accommodate my request for electronic communication due to my XXXX, in violation of the XXXX, FDCPA, and XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX FCOs refusal makes it difficult to access important debt-related information and violates : XXXX ( XXXX XXXX. XXXX ( b ) ( XXXX ) ( A ) ( XXXX ) ) Failure to provide reasonable accommodations FDCPA ( 15 U.S.C. 1692f & 1692c ( a ) ) Unfair practices and communication in a known inconvenient manner XXXX XXXX XXXX XXXX XXXX XXXX Laws Failure to provide reasonable modifications I request CFPB intervention to require FCO to comply with federal and local law by honoring my request for reasonable accommodation for electronic communication.
Product: Money transfer, virtual currency, or money service

I Will Like My Zelle Account Back Because It Was compromised For someone Sending Me Money and saying They Didnt
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America did a hard credit pull on my account on XX/XX/XXXX and XX/XX/XXXX I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Bank of America reps XXXX # XXXX on XX/XX/XXXXat the cooperate office req # XXXX who stated it would be resolved in 10 days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit XXXX, XXXX and XXXX are doing nothing to rectify the problem
Product: Credit reporting

I have tried to dispute an incorrect inquirie from XXXX on my credit report. Transunion will not allow me to file a dispute and have told me several times that I need to get a deletion letter from XXXX. XXXX keeps acknowledging that they do have an invalid inquirie on my report as I do not have an account with them. They have told me that they have filed an incident report but being that I do not actually have an account they is nothing to keep record of. They have been apologetic but keeps telling me that transunion can only remove it and they cant do anything though they are aware that I do n't have an account. Transunion tells me that it is XXXX responsibility to resolve the issue but then XXXX tells me that it is transunions power to do so. the process has continued for weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my consumer report that there was an Apple Card/GS Card USA that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$1600.00} } XXXX 15 U.S.C, 1681section 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. 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 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 am uploading documentation that experian is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my experian credit report. I am also uploading proof from my XXXX credit report that it has been confirmed that this account was never paid late. I have disputed this several times with experian but they will not fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

to whom this may concern i have sent a police report i want somebody call me we ca go over everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX account yet XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request if consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from my creditor, XXXX, advising that they had reduced my available credit limit. On XX/XX/year>, I reviewed my credit score and found that this change had reduced my score by XXXX points on Transunion and XXXX points on XXXX. I contacted XXXX and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Product: Credit reporting or other personal consumer reports

My student loans have reports on my credit showing late payments. I was under a forbearance. It should never have been reported as a late payment. My student loan company agreed, I sent all documentation to experian. After their investigation they said they do not see the late payments. I spoke many times with many different people ( at Experian ) to explain to them what it shows on the credit report and they said they do not see it on their end. However it is negatively affecting my credit score.
Product: Mortgage

We took out what we believed was conventional second mortgage in our home 15 years ago at an interest rate of 9.375. We realized it was a high interest rate but felt we had no choice as we needed a roof desperately.We have been making payments faithfully for that time. 
We received a notice today that a balloon payment of {$8000.00}. Is coming due! There is nowhere on our paperwork that defines this as being a balloon loan and was not presented as one at the time of signing. 
I would never have agreed to that nor paid such a loan for 15 years.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX XXXX continue to report an allege debt that I do not owe. I have no lawful obligation to pay a XXXX  party debt collector and they have not received prior judgment from any competent court to render a judgement.
Product: Student loan

I called them and filled the correct forms. They have used my account information and ruined my credit. They have made it impossible for me to live. I am homeless and have communicated with them countless times and this is making it harder for me to make money. They have told me that I have a year before any payments are due so that I have time to get situatied and stabilized. Recently without a warning they charged {$1100.00} to one of my loan accounts and expect me to make a {$500.00} payment within a week. I am homeless and have to no place to live and have been working to save money so that I can have a home and repay my loans. I have submitted the paperwork they required and it was accepted. Now they are asking for more paper work. I have been busy trying to XXXX XXXX XXXX. They have tied my hands and not allowed me to afford a place to live. After expenses I am not making a living through my XXXX just yet. I am trying to figure out a way that I can pay them back. They have illegally used my bank account information from my XXXX to find out how much I have which is not considered income as I need the money to run my XXXX. A charge like this will put me out of XXXX and then I will have no way of repaying. They have been picking on me and working against me while I 'm at work trying to save money so that I do n't freeze to XXXX over the winter. I did not want to go to school in the first place and they forced me to take out loans that I did not want to take thereby forcing me to continue school and get deeper into debt while helping others around me just because they know their parents. Then they would not let me pass and made me struggle more than the other students. They have discriminated against me and forced me into debt so that they could get as much money out of me as possible. They pushed their loans on me into taking the max amount of classes so that I would n't have time for a job. This put me into debt without offering a way of repaying. They distracted me with lessons that got me nowhere in life and forced me into doing their work thereby keeping me distracted from earning an income so that they could collect interest. All because I 'm different and on my own. I did not want to continue going to school and putting myself into debt but I had no choice as I did not have a job or have time to find one. They are taking advantage of people and not offering anything real in return. Shoved their money in my pocket and forced me into a desk so they could fail me just enough to keep me in school but not allow me to look employable. So that they can have a home and family and make me homeless and working hard to be homeless. This is greed and it does nothing good for society. Whoever is responsible for this must be stopped and put in jail. Taking advantage of kids and homeless people so that they can live luxury lifestyles is immoral, unethical, and unrightous. These people need to be brought to justice.