23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance with Credit Report Issue Involving Village Capital Investments Dear Consumer Financial Protection Bureau, I am writing to seek your assistance regarding a critical issue with my credit report involving Village Capital Investments, specifically related to my home loan. 

My name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA, XXXX. My contact number is XXXX, and the loan in question is number XXXX. 

Currently, I am in the process of selling my home and purchasing a new one, primarily due to the high interest rate on my existing mortgage. In this endeavor, I have been collaborating with the Loss Mitigation department and the VA, diligently following a mutually agreed-upon plan. However, I have encountered significant discrepancies in my credit report. 

Upon review, I found several derogatory marks and an erroneous listing indicating a missed payment for the previous month, even though I have made the payment. This error is detrimentally impacting my credit score, hindering my ability to secure a new mortgage for another home. Without resolving this issue, I risk defaulting on my current mortgage.

In light of these circumstances, I am reaching out to the CFPB for support in rectifying these inaccuracies with Village Capital Investments. Your intervention is essential to ensure my credit report accurately reflects my financial conduct and assists in my housing transition. 

For reference, the contact information for Village Capital 's Mortgage Assistance Department is as follows : - Phone : ( XXXX ) XXXX - Email : XXXX - Address : Village Capital & Investment LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX - XXXX XXXX XXXXXXXX - Website : www.villagecapital.com I appreciate your prompt attention to this matter and any assistance you can provide. Please feel free to contact me for further information or clarification as needed. 

Thank you for your time and support. 

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

Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.
Product: Credit reporting or other personal consumer reports

Discover Bank is reporting me a balance of {$2000.00} and has lowered my XXXX score XXXX, leaving me with XXXX score. I have called the bank and they said they are not reporting that. The thing is my card currently on a balance of {$200.00}.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with the understanding that i needed to log in to the website to pay.

I was called to work in XXXX  and thus their website blocked me from logging in ... and couldn't pay.

I emailed four or five times beginning XX/XX/XXXX with screen shots of the website blocking me and was continually referred to changing my password in order to pay the bill.

Instead - was charged {$90.00} twice because I couldn't log in.

The contract clearly states logging in as the only form of accepted payment. It says nothing about being out of country and not being able to log in to pay. " XXXX '' numbers are blocked from overseas use.
Product: Debt collection

I am a victim of identity theft. I have an active fraud alert with all 3 credit bureau. I am actively working to clear all fraudulent claims. I've worked previously with a collections agency for a XXXX account XX/XX/2017 which was proven not to be mine. However, that agency sold the outstanding account to Diversified Consultants. I have sent written communications to both Diversified as well as ; all 3 credit reporting agencies with no avail. With an active fraud alert and Police report on file I would like to have this account in the amount of {$520.00} for XXXX removed from all 3 agencies. I have not previously received any correspondence from this company prior to being alerted by the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$9800.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian several times over the past two years to get an account that was fraudulently reported on my credit report removed but to no avail. The most recent complaints were filed on XX/XX/20, XX/XX/20 and XX/XX/20. The results from the investigation to the creditor simply say 'The company that reported the information has certified to Experian that the information is accurate '. 

I've asked several times for proof the account belonged to me but have received nothing. The credit is a collection agency who is very hostile when you contact over the phone directly and only wants payment and refuses to communicate. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion is the only one of the " Big 3 '' credit reporting firms to not verify my identity via verification codes which they, themselves, have sent to me via text message.

I need to be able to access and freeze access to my credit from any parties who may want to steal my identity, etc. 
Transunion appears to be unable or unwilling to assist me in accessing the account which I created with them in XX/XX/year>. 
Please advise. Thank you.
Product: Credit card

I recieved an email from XXXX on XX/XX/year> stating that someone initiated a credit card with Wells Fargo XXXX XXXX XXXX. I checked all credit bureaus to confirm and XXXX showed that an inquiry was initiated on XX/XX/year>. I received another email from XXXX thanking me for opening a credit account with Wells Fargo. I received the physical credit card via mail on XX/XX/year> with a credit line of {$1600.00}.
Product: Credit reporting or other personal consumer reports

I recently purchased my credit report & notice there has been fraudulent activities going on with my identity. I am requesting removal of all accounts listed below to be eradicated and put far away from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of Experian, XXXX  and XXXX  and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have XXXX  legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : Experian has XXXX Hard Inquiries with only one being legitimate. XXXX  has XXXX Hard Inquiries with only 2 being legitimate. XXXX  has XXXX Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
Product: Mortgage

I am working with the XXXX XXXX XXXX XXXX  to refinance my mortgage. They have reached out to me for a loan closing statement and amount which Specialized Loan Servicing holds. Neither XXXX   nor I can reach anyone in SLS or their parent XXXX XXXX. I am trying to close by end of XX/XX/2020 and need this payoff amount or I will be in financial harms way without SLS responding to my and XXXX needs. There are numerous online complaints and federal filings regarding this fraudulent company. How do I get resolution and QUICKLY!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request urgent assistance regarding a collection account with National Credit Systems ( Account # XXXX ) on my credit report. Despite multiple disputes and confirmations of its closure, this account has been inconsistently marked as closed, reopened, and closed again, causing significant confusion and hardship for my family and me. 

I initiated the dispute process on XX/XX/year>, and on XX/XX/year>, a XXXX representative and the apartment manager for the home Im acquiring worked together over the phone to resolve the issue. Although XXXX confirmed that the account was closed, the apartment application still wouldnt process successfully due to the account appearing active. 

On XX/XX/year>, I received confirmation via XXXX XXXX and XXXX XXXX notifications that the account had been closed. However, today I received a dispute resolution notice with a different case number, and the account is now showing as open again. The account also at one point said it was a charge off meaning I should have received a 1099.

This account is fraudulent and does NOT belong to me. I never signed a contract with this collection agency nor do I understand how the collection was paid by the original creditor and now a company I had no dealings with wants payment.The original creditor was paid through the XXXX XXXX Emergency Rental Assistance Program ( ERAP ). While the creditor claimed they fired the employee handling payments, this was beyond my control. At the time, I was not living in the state, and all obligations, including an agreement for my departure in XXXX, were fulfilled. Despite this, the account was sold to collections fraudulently. 

I do not owe the {$2800.00} being demanded. The debt collector can not provide any signed agreement from me to substantiate their claim, and the original creditor has not responded to my disputes since XXXX. 

This ongoing issue is jeopardizing my familys housing stability. I was recently approved for a Section XXXX voucher, but the apartment willing to accept us can not proceed because this account remains visible on my credit report. As a XXXX XXXX XXXX, a mother of XXXX, and someone relying on public assistance, I can not afford this uncertainty. 

I am pleading for your assistance in permanently removing this fraudulent account from my credit report. The inconsistencies and delays from XXXX and the lack of action from the original creditor have left me in an untenable situation. 

I am happy to provide additional documentation or evidence to assist in resolving this matter. 

Thank you for your time and attention. I look forward to your help in rectifying this urgent issue.
Product: Debt collection

I disputed this company 5 times on my XXXX, XXXX  and XXXX credit report since XX/XX/XXXX and XXXX once again put it on my report. Even after they have deleted twice. Now it's back on my report again but now it says I opened the account on XX/XX/XXXX. The companies name is Managed Recovery of XXXX, S.C. I ; ve never dealt with this company nor have I any knowledge of them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. This inquiry is Inquiry :XX/XX/2023. Not mine I - Demand it be XXXX. REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this information with the credit bureaus. They have ignored me. My information has been shared without my consent. I am requesting that you have them remove this information from being shared publicly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Checking or savings account

On Saturday XX/XX/XXXX I was locked out of my chase bank account. Monday, XX/XX/XXXX, I called and spoke with someone to see what the issue was, and I was told I had to take 2 forms of I.D into the Chase Bank location which I did the next day XX/XX/XXXX. The banker instructed me to call the online support for help in which I waited around the bank 3 hours on hold waiting on someone to help me just for online support to tell me the banker has to call, even though the banker was right there with me and willing to speak to them. So, we tried again the next day XX/XX/XXXX in which the banker actually sat on hold waiting on support for over 1 hour and 45 mins. Absolutely nothing was handled, because no one ever answered and I had to go pick up my wife. I tried again the next day XX/XX/XXXX and the banker went ahead and scheduled for me to come in between the time of 10 - 12 to speak to the branch manager who never showed. All of this for me to be told there is nothing that can be done. My account has been locked 3 going on 4 full weeks. My work direct deposit is attached to this account. During this pandemic it's bad enough we are living paycheck to paycheck, but also it is time for bills to be paid and I have no access to funds to pay them. We have been scraping and struggling to feed our XXXX year old child when we have funds to do it. At this point it's beyond ridiculous. I need to verify my account so I can get it unlock so I don't lose my home, and can put food on the table for my family. I can't access my mobile app since they have locked me out, so it's impossible to email or get in contact with anybody to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or opened without my permission : XXXX  XXXX XXXX opened : XX/XX/2018 XXXX : {$240.00}.
Product: Checking or savings account

I am filing a complaint regarding Capital Ones failure to deposit a direct deposit from my employer. Capital one has cited that it is a technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. They also sent out an email saying the issue would be resolved Friday morning and the issue is still persistent. 
This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are being upheld.
Product: Credit reporting

There are XXXX different alias and XXXX social security numbers listed in my credit report that are not mine. 
I only use XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX The following social 's reported are not mine : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.
Product: Credit reporting

Following the fact that my prior CFPB case number XXXX resulted in information that the company XXXX XXXX XXXX conducted a hard pull of my Equifax credit report, after the CFPB case closed that I am not a customer of XXXX XXXX XXXX, I was informed to call them at a number that they provided to CFPB in my reply. When I call this number, I am not able to reach a representative. As a result, I decided to file an inquiry dispute with Equifax and the result of the inquiry was that inquiries are factual records of file access and they closed the dispute. They told me to contact XXXX XXXX XXXX once again and they direct me to call either the Department of Education ( which I have done via the Ombudsman and have received no reply ) or my university ( which has no knowledge of XXXX XXXX XXXX ). I am unsure how to proceed because I have no knowledge of authorizing XXXX XXXX XXXX to authorize a hard pull on my Equifax credit report, Equifax did not accept my dispute, and there is no one to reach at XXXX. Ideally, I want the XXXX XXXX XXXX hard pull inquiry removed from my credit report unless it can be proven that I authorized such a request.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports