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

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report.

I have been asking since XX/XX/2019 on more than 4 times!

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items.

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!!

3. The date opened : XXXX  is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate.

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked XXXX  directly to do so and for proof.

They clearly like to play games and not abide by the law!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report on XX/XX/year> and I noticed some late payments posted on my credit report in the amount of {$140.00}. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, 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 : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACE 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

Information contained on ALL three credit reports ( Equifax, XXXX, and XXXX ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX XXXX  My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company
Product: Checking or savings account

XX/XX/21 - Noticed restriction placed on my Savings account after attempting to transfer funds out of account. Contacted customer service through chat. 

XX/XX/21 - received response advising me the account has been placed on temporary suspension due to potential security concerns. List of documents required to release hold. 

XX/XX/21 - called customer service and discussed requirements and confirmed documents can be sent through chat. Sent requested documents through chat. 

XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 



XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - Requested an ETA XX/XX/21 - received response " Send a follow-up message up to get a ETA for. '' XX/XX/21 - requested response for ETA XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - requested updated XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - send message that I will be filing a complaint with CFPB if specifics of timeline of resolution is not received by XX/XX/21 XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - filed a complaint with CFPB
Product: Debt collection

XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX
Product: Credit reporting or other personal consumer reports

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX Account XXXX  ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Mortgage

I contacted my mortgage company during the Summer I was having issues with payment ( XXXX XXXX XXXX ) They told me I could file for a loan modification. So I got the ball rolling on that. About XXXX I was told my loan modification fell thru do to not submitting all the paper work. I talked to XXXX and asked how to fix this and was told to resubmit. So I resubmitted all the paper work. In XXXX on 2019 I was told I was approved for loan modification. I was to make 3 payments on time starting in XX/XX/2019 of XXXX dollars and some change. Then I was told my loan is with a new servicer ( SP servicing ) I called this new company in XX/XX/2019 and asked about the loan modification and how to handle this. Was told SP didn't have the paper work and to wait 60 days till they got all the paper work. So I waited a few weeks and tried calling again. Still nothing. So I called XXXX and they told me they should have received all the paperwork. I called sp a few more times and wrote a couple e-mails. The company has never responded. I explained I was worried I would miss my deadline for my trial loan modification. They didn't seem to care at SP servicing. I was in foreclosure and that was all they cared about. The customer service is XXXX. When I asked SP what to do they said wait till they get all the paper work from XXXX. I felt by then my trial loan modification would go down the toilet and I would loose my home. To this day I have never received a phone call or e-mail from SP services. I wish XXXX would kick them too the curb and take back my account
Product: Credit reporting or other personal consumer reports

After reviewing my Early warning report. I notice negative reporting from several different banks, I'm not familiar with. I sent a dispute to ews asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX account # XXXX According to the FCRA : 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report.

6. Notice of Disputed Information to Furnishers Section 623 ( b ) : When a consumer disputes an item, the reporting agency must notify the entity that provided the disputed information. The furnisher is required to investigate the matter and report back to the consumer reporting agency. 

EWS violated my consumer laws according to the laws listed above by not providing written results detailing the results of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to a mortgage with NewRez Shellpoint Mortgage Servicing. I had filed for divorce in XXXX of XXXX during the court hearing payments were to be made in a timely fashion by my ex-husband. He knowingly made two late payments in XXXX XXXX and XX/XX/XXXX. He was on the deed at this time. XX/XX/XXXX divorce is final and now I am stuck with the negative reporting on my credit. This needs to be removed as I have never been late and payments are ahead two months. This should be recorded on his credit not mine due to court orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

While at  XXXX   XXXX   XXXX  applying for a home improvement loan with my son, loan  officer su bmitted our information to equifax credit bureau my sons came back but, mine did not.   Loan  officer states that my report was locked or blocked and there maybe some type of fraud involved. However, I called the equifax company twice and both times two different representatives st ated that there was no lock or block found no evidence of fraud and my credit report was open and clear.     I 'm being denied a loan based impart on erroneous information from equifax and/or  XXXX   XXXX   XXXX  branches in the  XXXX  FL area. I hope you can investigate this issue, it appears that person or perso ns may have comprised one or both  of these companies or they equifax is playing with peoples lives not sure who is at fault either company or both but something is obviously wrong.
Product: Credit card or prepaid card

I found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I spoke to 2 managers in which one of them stated to me the former rep never properly marked it as fraud. They said she just closed it and did nothing. Else so he proceeded to properly file the accounts. This is not okay and I should not have to go back n forth with this company about this when I have other accounts also that have been fraudulently opened under my social due to the XXXX and XXXX  date breach my info is on the dark web. All other company have promptly taken action to correction this plaguing problem. But GENESIS is still giving me the rub around. REMOVE ME FROM YOUR SYSTEM and DELETE THESE ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY! You are damaging my livelihood with FRAUD!
Product: Mortgage

We submitted a loan modification packet in XX/XX/XXXX. At this time we were 2 mortgage payments behind. This was recommended by the Lender. We were advised our packet was accepted and is under review and we would be completed within 30 day. We were never advised of a determination. We then had to complete a new packet for review. We again were advised our packet was in review. Then again nothing was advised. So again we submitted another packet. At this time they start asking for additional information as information had now expired per their time frames. We continued to work with the Lender supplying all of the documents they requested. After too many calls and providing information to the Lender I managed to get another packet accepted and stop a foreclosure sale just three days before it was to occur.This was in XX/XX/XXXX. They finally completed the review and denied our packet on XX/XX/XXXX. This entire process we began in good faith took a year. We were advised by the LendeXXXX in XXXX and XX/XX/XXXX not to make any payments unless we were able to pay the full amount of the back mortgage payments. When this modification was offered to us we expected help with our only payments of {$1900.00}. Now they are advising we owe over {$36000.00}. We have been told on XX/XX/XXXX twelve days after our denial that we were not able to do a short sale as our home value had gone up too much. The denial letter we received stated we only had 14 dates from XX/XX/XXXX to make a decision to do short sale. We were told by the Lender during phone conversations that we had to wait for the denial letter to be advised of the denial rationale for our loan modification request. I do not feel the company allows proper time for their letters to be received in the mail and then decisions to be made. I do not feel the Lender has acted in good faith and has strung us a long to a point where we are now in foreclosure and our house is appearing all over the internet set for auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX. XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). 

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/XXXX/XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX  XXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

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

There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
Experian and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' Experian and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by Experian and XXXX
Product: Debt collection

Experian never responded to my letter in regards to a medical debt that they claimed i owed. I do not owe any medical debt from XXXX XXXX. I sent a written letter asking them to validate on XX/XX/2017 and verify that the medical debt was mine and recieved no response.
Product: Student loan

I took a student loan from Georgia Financial Authority in XXXX. I paid off the loan from what the representative told me I owed in XXXX of XXXX. 

I recently checked with credit report recently and saw that I have had 120 late payment for that account starting from XXXX of XXXX to XXXX of XXXX. 

I called them and told them that It should of been closed. they told me that thee eaccount was never closed and that there was a small remaining balance that had been accruing interest. 

All the contact info they have on me was from XXXX when I initially took the loan and so there was no way for me to know there was anything remaining. 

This has completely ruined my credit and I filed a dispute with them and they told me they are not willing to do anything about it. 

I did my due diligence to.pay off this loan and for me to get so negatively impacted is unfair when they can easily detract/ forgive that deliquency that should not happened in the first place. 

I made sure the account has been closed out as soon as I found out and paid the remaining balance that accrued interest since XXXX. 

Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I certified mailed a XXXXXXXX XXXX Identity Theft report, with a clear legible copy of my drivers license, social security card, utility bill and a statement from me that the information is not information relating to any transaction by me. They received it on XXXX XXXX. I called today and was told by XXXX agent that my social security card wasn't legible. I was transferred to a supervisor who then said it wasn't processed because I didn't include the dates of the inquiries on the FTC Identity Theft Affidavit. I said it didn't ask for the dates and there wasn't room for them. She then informed me that the inquiries I listed were not on my Equifax credit report. I asked well why then was my Identity Theft report not used to block the fraudulent accounts listed on it and the fraudulent names and addresses. She said the entire report couldn't be used because the inquiries didn't have a date attached, even though the inquiries were not on my Equifax report. I told her they are listed because they are on my XXXX and XXXX reports and I listed fraudulent info for all three agencies on the FTC Identity Theft Report. And she also said they are investigating each account and to resubmit legible, all the paperwork with dates for inquiries. According to 15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

Without contacting me first, Ally Bank 's fraud prevention department suddenly blocked my long-time accounts ( checking and two savings ) on XX/XX/XXXX. Repeated calls to that office were not answered that day after long wait times. 

The next day, XX/XX/XXXX, I was told in the morning, and again in the afternoon, that their computer system was down. I finally spoke to someone about the problem that evening. They were concerned about money transfers I was making to five close personal friends in XXXX : holiday gifts and financial assistance I'd already been sending without question for a year and a half. I was asked to explain my relationships with the recipients, and answered questions that were uncomfortably personal. The representative said he was satisfied that there was no fraud involved ; that he'd forward the information to an investigator ; and that I could expect my account to be unblocked the next day. 

It wasn't. On XX/XX/XXXX I called again, and was asked all the same questions again. I was told again my account would be unblocked as soon as an investigator closed the case. 

I was told the same thing again on XX/XX/XXXX. 

When I called again on Friday, XX/XX/XXXX the representative said my request to be unblocked would be expedited. 

I called again on Monday, XX/XX/XXXX. Again the representative said my request would be expedited. 

When I called again on XX/XX/XXXX, I asked to speak to a supervisor. After 45 minutes the representative said she was unable to reach one. 

I finally spoke to a supervisor named XXXX XXXX no last name provided ) on XX/XX/XXXX, who said she'd speak to the head of the inspectors. Two days later the issue is still not resolved There was no fraud. My account has been mistakenly blocked for eleven days ( so far ), preventing me from paying bills or using an ATM. I have been borrowing cash from friends for daily needs. Yesterday I received a notice that my health insurance payment was rejected by the bank. A credit card payment is due on XX/XX/XXXX, and I expect to incur late fees and penalties. I am unable to help my grandnieces with back-to-school supplies. I am leaving for my third trip to XXXX on Tuesday, XX/XX/XXXX, and I have no money for the trip.