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

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiry or have Equifax get back to me with regards to the issue. Here are the accounts and inquiry that concern me : XXXX XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

I lost my job because of covid and I keep telling them that I will call them back when I get settled in to my new job but they keep calling me on different numbers every time I wish they would stop because now there calling me while Im at work and I keep telling them this and Im eventually gon na loose this job because my manager keeps having to talk to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Co. LLC placed me in collections for a XXXX Bill after XXXX reflected a XXXX balance when we ended service. We also notified XXXX of my Bankruptcy. I reviewed my XXXX credit report and saw Enhanced Recovery had reported a {$500.00} balance and had been on there an entire year. They had my phone number incorrect as well. We contacted XXXX  who removed the debt as it had an incorrect number but damage was done to my credit and interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX : {$700.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX MD PA ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}.
Product: Debt collection

I was offered a settlement offer and exchange to have the account removed, which I took advantage of, as of the date of this dispute this account remains on all XXXX of my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with ServiceMac numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by ServiceMac 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Product: Vehicle loan or lease

I was denied for the loan from XXXX XXXX and they opened a loan within global lending which i had no knowledge of until i had already started signing paperwork and also was pressured into buying a warranty that i never wanted and also had to put a down payment down which of my knowledge is illegal and violates my rights. also after giving all the paperwork i was harassed into giving them more paperwork and they now want the car back.
Product: Payday loan, title loan, or personal loan

I opened an account with Grain in 2020. It is part of the new movement of fintech/neobanks. I was pleased with the service as a line of credit with a $ 10 monthly fee. The APR is high, over 100 %, but if you pay it off in 30 days, you are paying just the {$10.00}. Also, they do not perform a hard inquiry, so it helps to build credit faster because it is unsecured with no hard pull, so no puts are deducted from your XXXX until the account is opened as a new account. So to my dismay, I was blindsided when I got an email at the beginning of the year stating they were increasing the rate and adding an annual fee. This is not agreed upon, so I was told that either I agree to the new annual fee or the account would be restricted to making payments on the existing balance only. The only problem with this practice is that it is a bait and switch. It will ruin your credit if you close the account because the average age of your credit declines, and your available credit goes to increase your utilization. This is unjust and needs to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX XXXX  is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX XXXX is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX XXXX to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in
a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Debt collection

earlier this evening i was trying to speak with this collection agency about disputing the debt because they failed to validate the debt. with a third party on the line also the debt collector fully disclosed my debt without asking my permission to speak about it with the 3rd party on the line. i informed the collector that her first communication was using the threat of sueing me to get me to pay the debt is a violation of fdcpa. i tried to tell the collector that she had the wrong information. she informed me that since i am disputing this debt i have to send a request in writing. this company failed to send me validation since receiving my account in XXXX and even now refused to send me my requested information. there are many more stae laws and regulations that this company violated and im really upset over it.
Product: Debt collection

Already submitted complaint XXXX weeks ago. XXXX was since paid to the original creditor, XXXX fitness on XX/XX/year>. They told me they pulled the account from Aldous but it is still showing on my credit report as debt owed to the collections agency.
Product: Mortgage

Problems with Caliber Home Loans For the past two years, I have been trying to get my account straightened out. Every month, I receive a notice from Caliber that says I late with my payments and owe money. 
I called on no less than five ( 5 ) occasions in XXXX, only to be told it would get straightened out in XX/XX/XXXX with my escrow analysis. They sent me a refund for {$670.00} and then followed up right again with my payment vouchers showing I am a month behind in payments. 

During XXXX and XXXX, I have shown them in several email and phone correspondence ( s ) that my records match their records as far as payments being made. The problem is they are not showing them as payments, they are showing them as cash received or curtailment with payment and therefore getting allocated to some place that they cant explain. 
In XXXX, I paid {$13000.00} in total to Caliber which exceeds the monthly bills they sent to me. So how am behind, late with payments and still owe money. 
I finally sent all correspondence again in XX/XX/XXXX and received a one sentence response that I am behind in payments. 
When I tried to recontact them by email, there is always an error message When I contact them by phone, I go through ten minutes of their messages than get an agent who puts me on hold and then drops the call. When I ask for a manager, they tell me one will call within 24 to 48 hours, I have never received a call.
Product: Mortgage

Several months ago, apparently XXXX XXXX sold my loan to something called 'NewRez LLC '. I got a bill that said NewRez but it still had the same A/N ( XXXX ) and the XXXX address so I paid it. When it hadn't posted before receiving a new bill with a new A/N ( XXXX ), I paid it too. Next thing I know I get a notice that it was overdue so on XX/XX/XXXX I mailed another payment which has still not been taken from my checking account. Eventually I discovered that XXXX had applied the first check to a Heloc in spite of it containing my mortgage number ; and also, the second check was returned to me in spite of having the correct account number. I was finally able to sign into the NewRez web site and paid {$600.00} on XX/XX/XXXX but it hasn't posted yet. I'm losing track of who's ahead on this when it takes several weeks to post a transaction that was paid online. I sent an email to them asking who the governing body is for NewRez LLC but have heard nothing back. I really want out of this arrangement but I don't even know who I'm dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.
Product: Mortgage

InXX/XX/2021 we applied for a FHA mortgage to purchase a home. We were lease with an option to purchase. We applied to the mortgage company On Q Financial and within 2 weeks we received the news that we were approved to close on the existing home we were leasing account XXXX XXXX XXXX. We proceeded to pay {$410.00} for a residential appraisal. Two weeks before the scheduled closing date our loan officer told us that we were not approved for this home because the Debt to Income was too high. He then told us that we were approved to {$270000.00} to go start looking. We found a home and put down earnest money of {$1000.00}. We received an approval letter from On Q Financial that everything was good to go and we were guaranteed to close. We then proceeded to pay {$580.00} for a home appraisal and {$350.00} for a home inspection. We were informed by the companies that this fee was nonrefundable so be sure we have in writing our approval letter and green light from the mortgage company. We were told by our loan officer with On Q Financial that we were approved in writing. We did not close on the scheduled date and we had to extend the date because the funds were not at the attorney office. We then paid an additional {$250.00} earnest money to hold the property for us to close. We were informed by the Loan Officer with OnQ Financial that the loan would not be approved 3 hours before closing. Can we please see to be refunded by On Q Financial the amount that we lost under the false approval letter that was given to us! We would not have paid {$1200.00} earnest, {$580.00} for a residential appraisal, and {$350.00} for a home inspection if we knew the truth from the beginning.
Product: Credit reporting or other personal consumer reports

I do not recognize, nor did I authorize these companies to pull an inquiry of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I tried to dispute it with Equifax and XXXX but they XXXX put up a wall and made it so I could really not get into contact with them. I suspect like XXXX, they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all XXXX credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
Product: Debt collection

To Whom It may Concern : I Receive a collection letter from commercial acceptance co, I repeated told them i had car & health insurance during the accident, one of them should have cover the cost, but the collection agency is XXXX bent on collecting its money without any proof or bill that i owe the city of XXXX. they specially told me they cant provide me with a bill the last time we spoke.
Product: Credit card or prepaid card

I am filing this grievance as I opened my account with Kohls XX/XX/XXXX which unbeknownst to me had several hiccups. Since opening the account I was unable to access the online account so I called in my payments. However since I was unable to view my billings I reached out to customer service who advised my account was crossed with my mothers. The only explanation the representative could provide was that the phone number used was attached to her rewards information yet my information SS # was keyed in. The representative was able to fix this so I now have access to my online account. However, I am still unable to link my rewards to my account. As you can see there was much confusion as to what should be a simple fix given modern technology. The purpose of this complaint is that I had my credit pulled for a home purchase and was advised of a 30 day late payment that I was impacted with from XX/XX/XXXX, which was around the time I had reached out due to the crossed profile of my account. I was of the impression all was fixed & any penalties due to the system issues were reversed yet that is not the case as Im being penalized for an issue that prohibited my ability to log into the account. As you can see from my account activity I am a loyal customer and have had no issues with my account since. The late hit has impacted me greatly with almost XXXX points being deducted from my credit scores that will take years to cycle out of. It is my hope that due to the system issues from the mixed profile that Kohls will reverse the XX/XX/XXXX 30-day payment hit from the credit bureaus. Thank you for your time and consideration.
Product: Vehicle loan or lease

OnXX/XX/XXXX,Iwasinvolvedinacaraccident(atnofaultofmyown)andmyvehiclewasdeterminedtobeatotallossbytheotherparty'sinsurancecompany.Iwasinstructedbytheinsurancecompanytosurrenderthekeys,vehicle,registration,etc.Isignedlegaldocumentsthatwerenotarizedgivingtheotherparty'sinsurancecompanypowerofattorneytocompletetherestofthepaperwork.
IcontactedSantandertoinformthemoftheaccidentandtheotherparty'sinsurancecompanyalsocontactedSantandernumeroustimes.OnetimethattheycontactedSantander,Irequestedtobeonholdtoensurethatcontactwasmade.TherepresentativeverifiedthattheymadecontactwithSantander.
OnXX/XX/XXXX,IreceivedaTotalLossLetterfromtheotherparty'sinsurancecompanyshowing,infact,thatthecarwasatotallossandtheyarepayingout{$21000.00}toSantanderConsumer.
Sincethen,SantanderConsumerhasinaccuratelyreportedonmycreditreportthatIhavebeenlate,chargedoffmyaccountstating,"chargedoffasbaddebt/profitandlosswriteoff'',closedmyaccountonXX/XX/XXXXandsaysthatIhaveabalanceof{$26000.00}.SantanderevensentarepossessioncompanytomyhomeinXX/XX/XXXXataverylatehour,ringingmydoorbellanddisturbingmyfamily.Iprovidedtherepossessioncompanyacopyoftheaccidentpolicereport,totallossstatementandeventheaddresstothewreckingcompanywhotookthevehicleonthedayoftheaccidenttoprovethatthevehicleisnotinmypossessionandwastotaled.
OnXX/XX/XXXX,Santanderreceivedpaymentfromtheotherparty'sinsurancecompanyintheamountof{$21000.00}andthepaymentwasconfirmed/verifiedbytheotherparty'sinsurancecompanytohavecleared.
Theotherparty'sinsurancecompanyprovidedmewithacopyofthecheckthatwassenttoSantanderandthatcleared.
ThishascausedsuchofabigissuethatIcannotevenfilemyGAPinsurancetocovertheremainingbalanceofthetotallossbecauseoftheinaccuraciesandhasseriouslydroppedmycreditrating.
Product: Debt collection

My paychecks are being garnished without notification. I found out that MEDCAH, Inc.Served and Shared information with a 3rd party. A party I have no relationship or ties to. They continued through court, the courts Defaulted against me, and granted my checks be garnished. The 3rd party was Served at an address I 've Never resided. The person that received the complaint ( XXXX XXXX ) also refused to sign off on the return of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much
Product: Debt collection

For the last several months, United Collection Bureau calls me 5 or 6 times or more every day attempting to collect {$340.00} - a bill incurred at XXXX XXXX XXXX in XXXX XXXX WA - a medical debt that was paid to the healthcare provider at the time of service. 

The healthcare provider has verified to me that they do not use this collection bureau and that my account balance was indeed paid and is at a zero balance. 

These are the calls just in the last two weeks : XXXX 4 calls XXXX 5 calls XXXX 5 calls XXXX 3 calls XXXX 2 calls XXXX 4 calls XXXX 5 calls XXXX 4 calls
Product: Credit reporting or other personal consumer reports

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$840.00}. 

Collection account from XXXX with account # XXXX and a balance of {$110.00}.
Product: Checking or savings account

On XX/XX/XXXX we realized that a check we had written for {$1000.00} had been stolen and cashed XXXX weeks earlier. The name of the recipient was changed and the amount was changed to {$18000.00}. The name of the thief and his bank account were clearly legible on the check. Our bank was Sun Trust. We alerted them immediately. More than XXXX months later Truist has not credited our account for the check. Nor have they attempted to investigate the fraud or contact us. They claim that there are problems merging the Suntrust and Truist systems. This is inexcusable. We are owed that money and it needs to be credited immediately. Truist has provided horrible customer service -- waiting hours to reach a person on their call lines -- and bank representatives in person who say they are helpless to assist. This is our XXXX  complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT REPORTING AGENCY IF ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information ; and ( ii ) the information is, in fact, inaccurate