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

Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX Transunion, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}.  This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a XXXX XXXX, and I am called to XXXX at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on XXXX. I notified XXXX XXXX in writing before XXXX that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from XXXX that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
Product: Debt collection

I got an email from a creditor that said they were closing my account due to default payments on credit report. I was unaware that it had been on there as I was never notified... phone call/letter. Knowing the new laws in place I placed a call to Credit Management LP. Spoke to supervisor. He said they sent a letter but didnt know dates or times. I asked if they called me and he then asked if Ive changed my number but couldn't answer yes or no. I asked them to remove it and he tried to send me to their legal dept. Im not an attorney so what do I need with them. Any help with this matter would be greatly appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation
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 Account Name Account Number 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 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall 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: Prepaid card

My XXXX deposit account at Comerica, with web access at usdirectexpeess.com, was frozen XX/XX/year>, XXXX days after XXXX increase backpay was deposited. This resulted in about {$3000.00} being made inaccessible, and without any prior or furthrer information why. The bank has refused informing me, and failed to veify my identification, drivers license birth certificate and social sec card. I called and corresponded with them via phone and email, and nothing but a direction to visit social security dept that proved false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX refuses to correct an error on my credit report due to a misapplied payment. My account has never been late and I have been a XXXX customer for many years without ever missing a payment. A check was lost in the mail for two weeks then somehow arrived at XXXX and they cashed my check. This was not my fault and I immediately reached out to them via phone on XX/XX/XXXX which was the next business day. They were closed on weekends. The XXXX representative was very polite and professional. She told me what to do. I wrote to XXXX corporate but they keep sending my automated letters that have nothing to do with my issue. I need my account updated to accurately reflect my payment history.
Product: Debt collection

i notified this company this this was an account opened because of identity theft, and they wont respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX TX. XXXX XXXX, XXXX, XXXX CARD, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with XXXX XXXX XXXX XXXX to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX  months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and XXXX  doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
Product: Mortgage

I applied for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Loan XXXX XXXX XXXX and they didn't approve me. The treatment and customer service made me feel I was not a priority client. I decided to go to another bank and the property had already been appraised and logged on the FHA PortaXXXX. I paid initially XXXX dollars for said appraisal and now they will not release the appraisal to my new lender unless I paid them an additional XXXX. In order to not lose my home purchase, I sent them the additional payment in the way they specifically requested this time, a money order, when they had accepted my debit card before but wouldn't now, it had to be a money order and they still will not release the report. The Loan Originator will not answer my calls and the rest of the team communicating with new lender to facilitate transfer of FHA case REFUSES to send them the appraisal report logged on the property as well. The seller is threatening to cancel purchase at this point and I could lose my deposit because of these people 's irresponsible, unfair and illegal behavior since I was informed that if my loan didn't close with them they do not have the right to collect additional fees. I need the appraisal report I paid for at the very beginning to close my loan which is approved elsewhere and they will not give me access to it. This is unbelievable. I feel I have been taken advantage of and will end up losing the opportunity to get a home for my family. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. i demand the accounts below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Account number XXXX Balance {$130.00} XXXX XXXX XXXX Account Number XXXX Balance {$58.00} XXXX XXXX XXXX Account Number XXXX Balance {$50.00} XXXX XXXX Account Number XXXX Balance {$57.00} XXXX XXXX XXXX Account number XXXX Balance {$0.00} XXXX XXXX XXXX Account Number XXXX Balance {$0.00} ( Shows wrong report dates )
Product: Debt collection

On Friday, XX/XX/2018 a representative of National Credit Systems , Inc. called my wife, and in the course of the conversation, threatened to damage her credit, and said that they could report the debt to credit reporting agencies at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX moved XXXXXXXX XXXX from XXXX account to another without my knowledge or consent which caused my credit score to drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had numerous problems with Experian. IM going to list two. 
I paid a automobile loan off. The bank did not show the account was settled after 1 month, I filed a dispute with experian through their website. Showing proof it was paid off. A letter and invoice from the Bank that is was paid off. They still refused to mark it paid on my report. I disputed it again. again they refused to mark it paid off. Meanwhile. I applied for a another car loan. Since it showed I already had a loan. I was refused a auto loan from numerous banks. Causing me to take the only one that offered with a high interest rate. They have no way of calling or emailing anyone at Experian either. IF you try to call, your put on hold for hours then your they cut your call. My credit has issues in the past. I have not been late on one bill in the last 3 years.

MY second, I have 3 credit cards. ON Experian site, they lowered my score because my credit card balance went over 40 % of available credit. Fine, Since I pay my balance off every month. The next month I didnt charge anything. They lowered my score saying because I dont use available credit it hurts your score. The next month I charged less than 30 %. they again lowered my score saying I should stay under 8 % of available credit on my credit cards. So they do not have a set rule, or make them up as they go. 
I am also in the market for a mortgage. I feel they are purposely lowering my credit, causing me to pay a higher interest with the banks. I also paid of another loan. A different credit agency lowered my score, claiming I had to many open accounts. So I paid one off. Experian lowered my score because I paid off an account causing my others one to appear as new accounts. Do you see the problem with this? There is no help, no way to challenge this..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Submitted an amount of {$680.00} that was supposed to be paid by XXXX   XXXX due to their driver 's negligence. My insurance paid {$500.00} of the {$1100.00}. I submitted a complaint to XXXX  and the matter was taken off my credit report. Equifax 's website would not allow me to submit a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate data to my consumer report. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. - XXXX XXXX {$800.00}. 
Acct Status : OPEN Remarks : Dispute and Collection Acct. 
According to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681.

Account XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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

On XX/XX/2022, I sent a 609 verification request of accounts listed on my credit report requesting the original account baring my signature. I was never notified an investigation was started. I than sent in a demand to comply letter as incorrect and inaccurate information on my profile has hurt me tremendously in opening new accounts.
Product: Payday loan, title loan, or personal loan

I have attempted to login multiple times on the site, only for the page to reload the login with no error of invalid data. I've called customer service on 3 occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for no one to ever answer. A prompt comes on after 15 minutes and states a representative will call back to the number calling from, but no one ever calls. I've tried to stop payment through my bank, but they've stated the lender can only stop the reoccurring payments.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX. Yesterday I received a dispute response from TransUnion which really has me baffled and concerned about my credit report and how to keep it fit for the economy and country that I live in, the United States of America. 
In XX/XX/XXXX, TransUnion added a delinquent mortgage account to my credit report. An account for a home that my ex-spouse resides. In the last two months the other two reporting agencies have added the default mortgage as well. My ex asked for the home in our divorce ( XXXX ) and was granted the home in writing by the judge of our divorce proceeding. He did not have my name removed or made any other attempts to show that he no longer wanted me to have a part of the home. He faulted on the VA loan and hasn't made any payments on the loan in almost four years. 

XX/XX/XXXX, he filed bankruptcy, which means he isn't responsible for payments, and can not be solicited for the payments, but I am. He lives in the home with his family, not me. I spoke to the newest mortgage company, XXXXXXXX XXXX XXXXXXXX, and asked them to foreclose the home or put it on the market for sale if I am the new responsible party because they will not adhere to the decree. The did not, and they also denied his paperwork for a modification for the loan and so did XXXX XXXX XXXX XXXX, the original owners. The first choice for them is to wait on me to make a payment and for him to live in the home for free. I will not pay a mortgage for a home that I do not reside. XXXX attempted to insert me into his loan modification in XXXX but he told me not to worry about it. I learned that I was to sign a quick deed, which did not alleviate me of financial responsibility anyway. All in all, it would've gotten payments made if they had accepted his paperwork. I am not sure the specifics to that issue. 

Then I am told that the rules for foreclosure have to be met per the state 's requirements. Well how many rules and laws does it take to understand that the house is not free and the mortgage is due? Virginia needs to get it together. These mortgage companies who are not listening to what is being said should also get it together. 

The home was purchased in XXXX and costs more now than it did when it was purchased, he is currently {$140000.00} in arrears. That's about a fourth of the cost of the home.. If you can live for free then there is no incentive to pay the mortgage! At the same time, permission is not needed to make a payment. He could have been making payments all this time with or without a modification. Its not like the mortgage company will return the checks, or will they? 

I am writing to ask that XXXXXXXX XXXX remove this home from my credit report, all three, and give him a payment plan for the mortgage or foreclose/sale the home immediately. XXXX should also place a valid phone number on the credit reports.I would also like the credit reporting agencies to delete " remove per divorce decree '' as an option for a dispute if the decree is not sufficient or will not be upheld once provided.
Product: Credit card

Dispute of 2 charges frpm merchant XXXXXXXX : {$110.00}, {$13.00} Attached is letter I sent to Citibank Credit Card Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have TWO letters from XXXX stating the marks on my Experian Credit Report for XX/XX/2020 and XX/XX/2020 are inaccurate The other two agencies have the information REMOVED I have contacted Macys NUMEROUS times as well as Experian Each time I am told over the phone the items will be removed as not only as they in-correct but they were also during NATURAL DISASTER ; lockdown here in New York . 

This violates New York State Law XXXX is saying they removed the data in 2020 BUT it is still appearing on my Experian Report as a NEGATIVE items, late for XX/XX/2020 and XX/XX/2020 How do I get this REMOVED????