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

This is NOT A DUPLICATE and I, XXXX XXXX XXXX, am filing this complaint. My Social Security Number is XXXX and you can call me at XXXX I filed a report on XX/XX/22 over 30 days ago. Also sent in a dispute to EXPERIAN by certified mail. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. THIS IS GROUNDS FOR REMOVAL OF THESE ACCOUNTS BELOW. They also took more than 30 days to complete the report and violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

THESE ACCOUNTS BELOW MUST BE DELETE FROM MY CREDIT FILE. 

XXXX XXXX US DEPT ED XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs
Product: Mortgage

Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I checked my credit report and found some inaccurate accounts that I don't know who own, so please review the documents I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times. 

( 3 ) Inconsistent reporting by Experian, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I check my credit and nituced tons of unauthorized inquires, please remove. 

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 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: Credit card

Someone opened a Best Buy Credit card under my name and information, and then proceeded to spend {$3300.00} ( as told by Best Buy ) on items and signed up for a recurring payment membership with them. I reached out to Best Buy and they told me the card was opened today ( XX/XX/year> ) and I went through the process of closing the card and doing a fraud report with their team. They then told me to reach out to the XXXX major credit unions to freeze my credit and put a fraud alert on my accounts, which I did earlier.
Product: Debt collection

What happened was that I received a bill in my name and p.o. address that I should not have received, but received anyway. The bill amount was for {$320.00}, and was from an account for a cable company ( XXXX ), the account had closed on XXXX of 2015. When I called the debt collector to rectify the issue the manager had asked me if I lived in a certain address in XXXX XXXX, I gave them an emphatic ''NO ''. When he asked if I knew the person of the address I told him that it is MY MOTHER 'S address. At this point I believe she purposely used my name ( WITHOUT MY PERMISSION ) to incur a debt that I do not intend to pay and will not pay. I have never owned cable nor started an account in my entire, nor do I intend to ... .ever. Also this will affect my credit score even more so now than before. I believe this is a form of identity-theft, and I want it stopped A.S.A.P.
Product: Debt collection

In correspondence dated XX/XX/XXXX, a third-party debt collector calling themselves the MEDICAL REVENUE SERVICE contacted me about an unspecified charge of XX/XX/XXXX. My wife called to determine the subject -- a ten minute XXXX visit XXXX years ago. I have received no outstanding balance statements from the provider since. I previously paid a XXXX 's co-pay amount determined by the front desk staff before even seeing the provider and for which XXXX XXXX was already paid by my insurer XXXX XXXX. This erroneous collection effort is harassing and unfounded. Please refrain from further contact falsely representing the status and amount of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

For bankruptcy public records collected through XX/XX/XXXX, Experian obtained information about bankruptcies from a third-party vendor, XXXX. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my XXXX XXXX Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). 

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my XXXX XXXX Consumer report on XX/XX/XXXX through USPS tracking number XXXX, Experian verified the Bankruptcy as Verified XX/XX/XXXX despite no Bankruptcy ever being on my XXXX XXXX Consumer Report & not properly citing who is the furnisher of that information. This is report number XXXX and XXXX.
Product: Checking or savings account

Over the course of XXXX and XXXX, Wells Fargo repeatedly charged overdraft fees, which led me to close the account.
Product: Checking or savings account

I had my account with Citibank for about two years. I had slipped up where I would fall behind and had to put my account back to positive status. Today I tried using my card at several different places, and all transactions declined. I, had a loan for about {$1700.00} to be sent to my account, it was sent on Thursday and I receive the funds the Friday morning. My account before the deposit was never in a negative balance. I used it XXXX when I deposited {$3.00}. Now today, I spoke with a rep on the phone, and a supervisor, they could n't tell me a legitimate answer to why my account was blocked. All they tried to say was that I overdrew last year, irrelevant and that I have n't use the account in a month or two, also irrelevant. So they told me to visit a branch, which I ca n't because I work tomorrow and that I can not make it. They never explained a relevant reason why I needed to go to a branch to fix my account. People use the bank to trust them that everything will go right, why would you block my account without notifying me of any wrongdoings.
Product: Credit reporting or other personal consumer reports

Subject : Final Demand for Immediate Removal of Fraudulent Account and Compliance with the Fair Credit Reporting Act Dear Equifax Dispute Department, I am writing to formally demand the immediate removal of the fraudulent collection account erroneously placed on my credit report by Equifax. The account in question is : Creditor Name : XXXX XXXX, XXXX. 

Original Creditor : XXXX XXXX XXXX XXXX : {$18000.00} Date Opened : XX/XX/year> Account Status : Open ( Incorrectly Reported ) I have never had any association with XXXX XXXX XXXX, nor have I ever opened any account with XXXX XXXX, XXXX. Upon contacting XXXX XXXX XXXX, their management confirmed that my personal information does not match any of their tenants, and that multiple individuals named " XXXX XXXX '' have resided in their complex. Additionally, when I spoke to XXXX XXXX directly, they confirmed that my personal information is not in their database, proving that Equifax has inserted this collection account in error. 

I have already provided Equifax with the following supporting documentation : A copy of my government-issued ID My Social Security card A recent utility bill confirming my residence Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ). Reporting an account that does not belong to me constitutes negligent and willful noncompliance with the FCRA, exposing Equifax to legal liability. 

Furthermore, per 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable investigation when a dispute is submitted. Equifax has failed to meet this obligation, as the evidence I provided clearly proves that the collection account does not belong to me, yet it remains on my report.

Additionally, under 15 U.S.C. 1681c-2 ( a ), once a consumer submits an identity theft report, the credit bureau must block the fraudulent information. I have supplied sufficient documentation, yet Equifax continues to recklessly endanger my financial standing by allowing this fraudulent account to remain.

Demand for Immediate Action Equifax is hereby demanded to : 1. Immediately and permanently remove the fraudulent XXXX XXXX XXXX XXXX collection account from my credit report. 

2. Provide written confirmation within 5 business days that the account has been deleted.

3. Cease and desist from further reporting of this erroneous account.

Failure to comply will result in legal action against Equifax, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for FCRA violations. 

Pursuing a lawsuit for damages, including statutory, punitive, and actual damages under 15 U.S.C. 1681n and 1681o.

This letter serves as your final notice before I escalate this matter to federal authorities and legal channels. If Equifax does not remove the fraudulent account within five ( 5 ) business days, I will proceed accordingly.

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

I closed an account with XXXX, 3 months later i check my report to see that I am 90-days late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but XXXX refuses to revert the negative impact on my credit that was due to their transaction systems.
Product: Mortgage

I applied for a refinance of my home mortgage with XXXX XXXX XXXX ( company based in Arizona ). I started this process in XXXX of 2014. To date, they have failed to complete the transaction. There have been multiple issues along the way. First, I was told that I would be able to combine my XXXX and XXXX mortgage at a rate of 4 %. After being told that, I started the application process. Shortly after that, I was told the combined loan was not available because I have made a withdrawal from my Home Equity Line of Credit ( HELOC ) in the last year. I had disclosed that fact prior to this time and I was told that an exception would be made because the overall balance on the line of credit had decreased over time ( in other words, I had paid back more on the line that I had taken out ). Even still, I was denied the original offer ( made by XXXX XXXX ). We then proceeded to refinance my primary loan to a rate of 4 %. During this process, there were delays on the part of XXXX XXXX XXXX. They failed to clear their own XXXX XXXX in a timely fashion that resulted in the appraisal of the subject property to expire. By that time, the lender in question had rescinded their offer of 4 %. Instead, a rate of 4.25 % was offered. I was then told that a second lender ( XXXX XXXX ) had offered to refinance the primary loan at 4 %. The process was started again, with a XXXX appraisal. As of today, I was told that upon final review before closing that 4 % was no longer available. Again, I was offered 4.25 %. 

The whole process seems fraudulent to me. A way to delay the process such that loans with best rates are delayed so that they are cleared to close only when rates go up. How can a company take 7 month to process a loan?
Product: Debt collection

This collection agency keeps calling me asking for someone else. I personally do not have any debt in collections with this agency.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing, I've attempted to solve this problem 3 times. Congress states that credit reporting agencies have a grave duty to report complete and accurate information in regard to consumer credit reports. To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details. Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute. As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. XXXX. Submitted a certified debt validation request, including proof of delivery XXXX  # XXXX. I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
Product: Mortgage

I have been in forbearance since XX/XX/XXXX, thus allowing me 18 months of forbearance. However I have been told that I am only going to be able to get until the end of XXXX, 17 months. This is causing me to be at risk of entering foreclosure prior to my application for HOA funding being approved, processed and dispersed. Please help me with correcting the issue and extending forbearance until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed in Data breach I need everything removed in 30 days..
Product: Debt collection

Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data
Product: Credit reporting

I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name isXXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted dispute letters to XXXX, XXXX, and Equifax for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Product: Credit card or prepaid card

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Victoria 's Secret CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account number XXXX is wrongfully appearing on Experian, XXXX  and XXXX  credit bureau reports.I opened the account in XX/XX/2015. 
The payments made for this account were for usage and a XXXX XXXX  XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer Note for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to Team mobile. 
This entire account is fraudulent.I owe nothing.
Product: Mortgage

On XX/XX/21 I got a loan estimate with a {$730.00} cash to close. The loan was locked on a 2 % rate. Then, on XX/XX/21 my loan estimate is updated to a {$5700.00} cash to close. And they added a 1.125 % loan amount for points. All of this was done with no change in circumstances. After asking for the manager it was corrected. However, it was very unprofessional to change my figures and hope I don't know any better. I hope others don't have this same issue.