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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX ( Original XXXX  : XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. 

There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Product: Debt or credit management

I opened XXXX in good faith on XX/XX/XXXX. I chose the XXXX because its advertised as fast reporting to credit bureaus with up to XXXX limit. As of XX/XX/XXXX there hasnt still been any credit limit updates and the only thing that did show up ( XXXX  month payment history ) fell off my credit report today. I have been patient and even given this company more than XXXX opportunity to make it right but instead they offer free monthly service with no updates to my credit limit!! I asked for a cancelation and they STILL charged my account after offering me XXXX  days free until XX/XX/XXXX. They are scamming hard working people trying to build their credit and change their lives.
Product: Mortgage

In XXXX of 2024, I began shopping for HELOC options. After reviewing a variety of lenders, I selected Figure as they advertised a line of credit amount I was looking for and had a fast deposit process. They provided me with a HELOC totaling {$290000.00} in initial draw at an APR of 10.05 % and charged me an origination fee of {$4300.00} which was derived as 1.5 % of the initial draw, thus providing a credit limit of {$290000.00}. They arrived at this offer from an appraisal service they used called XXXX, which provided an appraisal of {$940000.00} on my home. This appraisal also reported a confidence score of XXXX out of XXXX ( with XXXX being the high end of range, i.e most confident ). 

On XX/XX/year>, just 62 days after I opened my account, I attempted to draw {$10000.00} on my line of credit. I was promptly emailed that my account was suspended until XX/XX/year> because : The value of your property has declined significantly below its appraised value for purposes of your Home Equity Line of Credit. Estimated Value Used for this Decision : {$750000.00}. 

As of today, the company continues to practice delay tactics to engage with me on discussions of lifting this suspension, redoing my credit limit, or refunding my origination fee. Any time I can get someone on the phone, they tell me they need to escalate this situation and they promise they will call me back by a certain date and time, for which they have continuously failed to do. 

This is a textbook bait and switch. They clearly baited the consumer, in this case me, to select their institution with a large credit line utilizing an inflated appraisal value, which also drove their origination fee higher. Then came the switch, where magically ( and in a very, very, short period of time ) that appraisal value dropped 20 %, locking me out of my own credit line. To be clear, nothing has changed in regards to my home, my neighborhood, my town, or the real estate market locally ( or nationally so far as I know ). Further, the only cure I have heard proposed from the company is for me to pay for my own appraisal to challenge the validity of their most recently run appraisal value. I understand appraisals can vary, but the laughable difference in valuations here in such a short period of time with no macro ( or local ) changes in my housing market is a total scam. 

I am very concerned about where this stands right now for my own personal situation and if this tactic is being used as a normal business practice across all their consumers.
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. 

Account name : 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 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

Upon checking my consumer report I noticed charge-off remarks being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX never provided me with a 1099c form notifying me that my account was charged off. As for the UCC laws XXXX XXXX XXXX also failed to follow XXXX by phone or XXXX XXXXAS for FCRA XXXX XXXX XXXX violated section 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. I also filled a compliment with XXXX. The report will be attached as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 I've also noticed errors in payment history along all 3 credit bureaus.
Product: Debt collection

At XXXX a company called Wakefield and associates called and left me a voicemail regarding a debt, but did not specify anything. This company has repeatedly called me before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT 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

I have a mortgage that was modified back in 2009. At the time my mortgage was with XXXX XXXX. It was a tiered mortgage with the final interest rate at 5 %. It seemed reasonable then. XXXX. As the years have come my loan has been sold 5 ( five ) times to different service companies. During these changes and my rate increases it has become more difficult to maintain my mortgage payment. Partly due to the rate increase, party due to my house being under water, and my husbands retirement, and lastly, is our farm income not as forth coming. Added to that charges showing from our service companies after being transferred for miscellaneous items, such as administrative cost, appraisal fees, missing payments etc.. have been added. I have disputed these in writing with documentation, only to be told that it did n't matter, what they had from the previous servicer was correct. My bank statements did n't prove payments? Needless to say I am way behind on my mortgage. I put together a loan modification request with all the bells and whistles, jumped through every hoop they asked, some several times I might add. I have never once been allowed to speak with a loan modification specialist, never once have I been allowed to speak with the same person twice, I have always had to speak with whom ever answers the phone. That person is generally a customer service rep, who has to read my file, give me an update, take my message, and have someone get back to me. That could be anywhere from a week to a month. Generally in a form of a letter telling me they need something else. Needless to say. I have only been told by customer service that they did not accept my dispute letter and documentation on my late charges from my last service company, because they read that from their screen and a letter was sent to me. I have yet to get that letter and have told them that on 2 ( two ) separate occasions. To date I still have not received a letter of response. I have although finally received an answer to my request for a new loan modification. The answer was absolutely not. I was not eligible for not 1 ( one ) program. They had no even had one answer to even try to work with me. The paperwork I submitted was done in accordance with XXXX making Home Affordable trickle down. I could easily afford the payment and become current and keep my home. They could refinance me at a lower interest rate for blessed sake and keep me in my home! But they have done nothing but give me the run around and treat me like I am a lowlife Human being. I realize they do not have to offer me anything, however, if I understand the Making Home Affordable Program, is n't it for the Owners of the loans XXXX, not the Service Company ( Seterus , Inc. ) to aid homeowner 's who wish to stay in their homes, help them stay in their homes? By the way Ohio is considered in one of the hardest hit States to boot. What can I do to get help in getting a restructured Mortgage when I have a Service Company who clearly is n't interested whether I keep my house or not?
Product: Debt collection

I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.
Product: Credit reporting or other personal consumer reports

On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the XXXX XXXX XXXX XXXX  ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXXXXXX XXXX and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX XXXXXXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXX XXXX did not contact me to open an account.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. Please Remove these accounts from myreport, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX XXXX : number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I opened a car loan with Automotive Credit Corp. XXXX XXXX XXXX I believe it was in XX/XX/XXXX. By XX/XX/XXXX my insurance paid off the loan with leaving a balance of {$480.00}. 
Automotive Credit Corp was my XXXX  insurance carrier as well as my finance company for my vehicle. I went round and round with people there in regards to paying my {$480.00} balance on my loan off. I was exhausted going back and forth for months with them over my balance. I'm sure they have a copy of the XXXX documents and I wish they would provide again if they deny my claim. I still today deal with their unstable and unethical way of doing business. They have gone out of their way to make me go the extra mile of fixing my credit. Over the years now the balance went from {$480.00} to {$1100.00}. 
This change somewhere between XX/XX/XXXX and XX/XX/XXXX. The {$480.00} XXXX insurance shouldve paid it off in XXXX. I am requesting for them to show my loan paid off and if there is any damage charges that they would have to pay for doing this to me for years would put a smile on my face. I do have copies of the emails and will provide them when they reply. ( I need time to dig them out ) The payment dates are wrong and very destroying to my credit.
Product: Mortgage

1. Loan Denied, they said my debt to income ratio was too high. When I do the calculation I fall within their range. I showed them where a mistake was made and it was ignored. They would not give me any info on what figures they used for there calculations. The one mistake that I pointed out too them was, they added my insurance and taxes on top of my mortgage payment and those numbers were already included in the mortgage payment. I even mad an attempt to remove one of my debts and it was ignored.
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 Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

To start, I didn't receive a written notification from convergent outsourcing about the debt. I sent a certified letter to validate/verify the debt dated XX/XX/2021 and it has been well over 30 days and I haven't received a reply. I did however received the return receipt showing the letter was received by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I hold two Mortages with NationStar DBA Mr. Cooper I submitted additional principal payments each month, they began applying them to future monthly payments. I called made them aware they were applying the additional principal incorrectly on both loans, they reversed payments and then began again incorrectly applying the payments. I called again, they transferred one loan to a subsidiary this continued, I called again when they issued incorrect XXXX which they kept around XXXX $ in extra interest due to incorrectly applying regular additional principal payments, they corrected one loan but not the other, then transferred both loans to another subsidiary RushMore servicing. I split the payments in my auto pay and place clear instructions with Rushmore that the additional payment monthly is additional principal. Rushmore is refusing to apply it and is placing the added payments toward future principal and interest again. I have kept exact dates of payments all made through XXXX XXXX XXXXXXXX and kept the records of how Nationstar is applying them incorrectly.
Product: Credit reporting

On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.
Product: Debt collection

This company I C systems is trying is saying I owe them {$800.00} for a XXXX bill. I never had XXXX. My credit score dropped tremendously because of this.
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 U.S.C 1681. 

XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States I have the right to privacy. 

-15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Iam writing to file a complaint against XXXX regarding an incorrect address listed on my credit report. XXXX has refused to remove an address from my file that I have never lived at. The address in question is [ Incorrect Address ], and I have never resided in that state. 

To clarify, my only address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX and I have lived in XXXX XXXX XXXXXXXX my entire life. Despite this, XXXX continues to list the incorrect address as part of my credit file, which is inaccurate and harmful to my credit history. 

I have disputed this address directly with XXXX, but they have refused to remove it or provide an adequate explanation. This error has caused confusion and may negatively impact my creditworthiness. 

I request that the CFPB investigate this matter and help ensure that XXXX corrects the information on my credit report, as it is vital for maintaining the accuracy of my credit history. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3.. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I received a bank statement from Marcus by Goldman Sachs. I never opened an account with them before or any knowledge of this bank before this. There was a charge with money deposited and then withdrawn from the account. I called to let them know I did not open the account and was told to file a police report