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

It appears that my credit with you has been compromised! It has been brought to my attention that you are not REMOVING items even when theyre sent with an FTC report XXXX XXXX. This is my six attempt to notify you that I am a victim of incorrect credit report details and I write to dispute these items in my file resulting from this issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an incorrect credit report entry. I am re-attaching my FTC report for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax 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 These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX  for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.
Product: Mortgage

I started the refinance process on XX/XX/XXXX with Amerisave Mortgage. The loan officer Court XXXX set expectations that this would be a quick, easy process and that there would be no issues getting a loan through. He even prequalified me. On XX/XX/XXXX he asked me for a {$500.00} fee to get the process started that would be refunded at closing. He said there would be no other upfront costs, including the appraisal. I paid that {$500.00} via credit card. They are deceptively doing business. After my appraisal I was asked about my credit and my dept to income ratio which he had access to from the beginning. These are all things that would not prequalify me. I then explained my reservations about the process because he was backtracking from what the expectation was and he stopped responding. I spoke to another mortgage company, and they told me right on the first phone call that I had issues with the debt to income but there are options that I could do. I decided I wanted to cancel with Amerisave due to the deception and lack of response from Court. I called customer service and was told that they would send a message to Courts manager to cancel the loan, this was XX/XX/XXXX. XXXX said that they would either refund the money or transfer the appraisal but not both. I advised I just needed them to cancel it and I would like the appraisal transferred. As soon as I told them I would cancel I was no longer able to reach any of the Amerisave phone numbers as I attempted to call Court back and could no longer get through to him, the customer service number or the secondary number on their website. I received a system generated email from Court that said there was a new document to view. I saw they uploaded a cancellation letter with a reason of income was insufficient, not that the borrower requested to withdraw. That alone shows their deception, as I was never notified at any point from Court that they would not be able to provide a loan to me. The new loan officer contacted them to get the appraisal transferred and they told her I needed to send an email with the specific requirements, which I did the same day XXXX put the request to cancel on XX/XX/XXXX. So I sent that email again. XXXX XXXX will Amerisave sent me an email saying they'd transfer it, but only after I paid them {$650.00} by cashiers check or money order only and sent it to their GA office and once verified and applied they would transfer over the appraisal. There is a timeframe that the appraisal is good for. If I did that, it would no longer be good. They have not refunded me the {$500.00} I initially paid via credit card that was supposed to be refunded, and are not asking for another {$650.00} for a document that will be invalid by the time I received it. They are being deceptive and scamming people of out money. There are over 1600 reviews on the XXXX website just like mine.
Product: Student loan

I was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.
Product: Mortgage

We recently purchased our home, XXXX XXXX XXXX, XXXX, XXXX  using Rocket Mortgage. My husband and I were led to believe during several conversations via phone and email with broker XXXX XXXX that after closing and making XXXX payments we could take the proceeds from the home we were selling and apply them to the XXXX XXXX XXXX for a recast of payments. We made our second payment XX/XX/XXXX XXXX XXXX  weekend ) so contacted Rocket XX/XX/XXXX to recast the mortgage. We were told we would be contacted within XXXX hours to proceed. After XXXX days we co reacted them again and are now being told it will likely be XXXX before we will see a reduction in our payment despite being told to send them our money now. This will result in over {$3000.00} addition in interest payments to Rocket. None of this was indicated by XXXX XXXX prior to closing. He indictated this would be an easy quick process. Had we been told we would be paying minimally 5 months of the large mortgage rate despite having the assets to pay on the principal we would never have gone this route. They are profiting by misleading their customers.
Product: Debt collection

I have not owed XXXX any money in over 10 years all of a sudden a debt is reported in the amount of $ XXXX on my credit report with a company called Jefferson Capital Systems XXXX I have never heard of the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to account ACCOUNT # XXXX, I asked all 3 bureaus to verify and fix the inaccurate account. XXXX  XXXX is reporting a charge off of {$6000.00}. The loan was paid off by my insurance company and the difference was covered by GAP insurance covered by XXXX at the time of signing XX/XX/2019. The only balance owed after the insurance payment was the {$1000.00} deductible. I asked XXXX  XXXX to provide me where they got this number from and failed to reply within 30 days. After I disputed this, the information was never corrected and as a violation of my rights I am reporting that the bureaus failed to do a proper investigation of the debt.
Product: Debt collection

LVNV Funding LLC has been sending me communication that can be easily opened to my email. I have requested that stop calling me now they are emailing constantly. I just clicked on the link, it took me right to my balance all my personal information. I have been a victim of identity theft. I can not confirm they are all my charges. I also don't like how all my personal information is available without any type of link confirming it is me.
Product: Debt collection

Unauthorized Charges made to my account : DATE NAME PHONE # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX/XXXX/XXXX XXXX XXXX DE {$41.00} XXXX XXXX/XXXX/XXXX XXXX  XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX WY {$41.00} XXXX XXXX/XXXX/XXXX BCELBCUSTLN XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX AK {$41.00} RECEIVED CHECK FROM CITI BANK XXXX/XXXX/XXXX {$170.00} FOR AN UNAUTHORIZED CHARGES MADE TO OUR MY ACCOUNT. 
XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$89.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$44.00} XXXX XXXX/XXXX/XXXX XXXX XXXX FL {$86.00} XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX {$79.00} CONTACT WITH ONE STATED THAT THE UNAUTHORIZED CHARGES COULD NOT BE REMOVED BUT THEY COULD BE CANCELLED? NO CALL WAS MADE TO AUTHORIZE THESE CHARGES, THEY JUST APPEAR ON OUR STATEMENT. 
WE ARE AT A LOST TO REMEDY THESE CHARGES BEING MADE TO MY CREDIT CARD ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to file this formal complaint against discover ( acct # XXXX ) and anyone responsible for reporting fraudulent information on my behalf illegally, and, for violating the fair credit reporting act. Section 611 ( a ) ( 5 ) ( B ) As per the guidance of the consumer financial protection bureau ( CFPB ) the documents needed, a letter from an advocacy group helping me due to human trafficking according to Trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act.
Product: Debt collection

account # XXXX  has been charged off with XXXX XXXX, according to the IRS a charged off account are not considered debt it a profit loss for a creditor or financial institution and income for a consumer. and con file a 1099 C as well. XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud according to the IRS Radius Global Solutions LLC is also committing fraud by trying to collect a debt that is considered as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following should be removed because it is inaccuate with the reporting bearus, related bearus, such as Transunion, XXXX, XXXX, and others. 

The accounts in question are detailed in the uploaded documents.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX  : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT of Education/XXXX : XXXX. 
I looked at my Equifax credit report on XX/XX/2024 and noticed errors and information that is not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or delated from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, the most fraudulent credit reporting agency on the planet, Transunion, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by XXXX. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.
Product: Mortgage

Earlier this year i changed lender on home insurance. XXXX gave me a very hard time with that transition AND staff kept telling me I was wrong for change, as new amt was too high. XXXX offered NO help with resources at that time. 

As of XX/XX/2023 I will have a lower home insurance amt with new lender. I have notified XXXX through internal audit email of the change and requested a new adjustment on my acct, for a new mortgage amt for XX/XX/2023. I WILL NOT be calling XXXX customer service and be told what XXXX won't do, as all staff was wrong, the last time. I am seeking a new adjustment to amt monthly, as IT IS VERY DOable and was done earlier this year. 

I have done my part on my own, I now need XXXX to do their part in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Product: Checking or savings account

We closed an account with Wells Fargo last year. There is no money due. No credit card balance. We have no current affiliation. However, we are continuing to get notices that the account has a XXXX  balance - I called to question this several months ago - I was told that the notice is simply to let us know that we need to download whatever information we need to - because the records were being removed from online access. I was also told that the bank records indicated that the account was indeed closed. However - we continue to received " XXXX '' dollar notices - this leads me to believe that the account does in fact remain " open '' and that someone - anyone - would then access it for whatever nefarious means they wish to pursue. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a decrease in my income i fell behind in paying most of my bills, one of them was my credit card with XXXX XXXX XXXX. They eventually closed my account and sold it to XXXX XXXX XXXX, XXXX without my knowledge/permission. The owed amount was {$1300.00}. I agreed to pay XXXX on a monthly basis to cover my debt. I made the last payment to cover the full owed amount on XX/XX/XXXX ( see attached screenshot that amount was debited from my account on XX/XX/XXXX for  {$220.00} ). I have since then tried to have this derogatory item removed from all 3 of my credit reports but only recently discovered that the payment status is inaccurate on all 3 reports as seen on Experian, com ( paid service to view all 3 credit score/reports ). I confirmed with XXXX up to today XX/XX/XXXX that they received the final payment on XX/XX/XXXX to cover the full owed amount. I am concerned that the report is showing that i 'Failed To Pay or FP ' in XX/XX/XXXX ( see attached screenshot ). This is inaccurate information that is negatively impacting my score and as such hindering my opportunities to access favorable interest rates on a mortgage.
Product: Debt collection

I am filling a complaint with the Consumer Financial Protection Bureau.

Collectors are required by Fair Debt Collection Practices Act to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. Reliant Capital Solutions has not provided me with anything to validate this. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. 

On XXXX I received a letter from Reliant Capital Solutions informing me about account number : XXXX in the amount of {$1500.00}. The letter stated that unless I notify offer within 30 days of receiving this notice that I dispute the validity of the debt. Their office will assume that this debt is valid. 

I sent a validation letter to Reliant Capital Solutions dated on XX/XX/XXXX and I never heard back or received any validation that the debt belongs to me. I kept waiting for validation. I will upload a copy of the validation request letter that was sent postmarked XX/XX/XXXX. 

On XX/XX/XXXX, I got an alert from my bank and other credit applications such as XXXX XXXX and XXXX that I had a new collection account that was reported. I logged in and see that Reliant Capital Solutions has reported a collection account to XXXX and XXXX without giving me any validation that account number : XXXX in the amount of {$1500.00} in fact belongs to me. Reliant Capital Solutions has not provided me with proof that I owe this debt, yet they reported the account as collections. This is a clear violation. 

I have no record of owing this debt and would like this to be removed with XXXX and XXXX. I have already contacted and disputed this with both credit agencies and have yet to hear back from XXXX and XXXX.
Product: Debt collection

I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

I noticed my bank had made duplicate credit card payments to Chase Bank for the XX/XX/2023 balance statementthe total amount of {$190.00}, which was charged twice. I contacted Chase Bank on XX/XX/XXXX to report the issue, and they assured me they would send me a check for the duplicate amount. Since then, I have often followed up regarding my {$19000.00} refund, and each time, they give me excuses like it is in the mail, once they told me it was unclaimed, etc ..... However, it's been over one month. And I have not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I was informed by Florida XXXX that my personal information has been compromised. The details of the situation are that I apply for a XXXX endorsement on my driver 's license which was to be mailed to me within 60 days. After waiting 6 months I went into the office and was asked was I still living in XXXX XXXX Florida. I informed them I never live there and they told me that my driver 's license that I had been waiting for had gone to an address there. I asked them when and how my address had been changed and they had no specific information about that issue. Over the intervening years I have had periodic cases of bank account takeover which resulted in automatic payments that I had set up being diverted elsewhere. I have recently had to change Banks because of this ongoing issue. I assume this is why the payment that was supposed to go to this credit card issuer did not happen. The bank could not offer any specific information about this issue. After I was informed by phone call that payment had not been received I used another means to correct this situation. However the information that it was 30 days late is not correct. Because of this I do not believe it is fair or correct to report this payment as late.