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

On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with XXXX, and 34 points with Equifax. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up by 20 points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. Equifax is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had and have credit freezes on the 3 credit bureaus accounts. There was a fraudulent request from XXXX XXXX for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by XXXX XXXX on the XXXX, XXXX, and Equifax sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. XXXX XXXX has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.
Product: Mortgage

AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. 
I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). 
I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. 
I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. 
I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. 
THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.
Product: Mortgage

Bank of America was servicing my mortgage up until XX/XX/2014. Bank of America made it blatantly clear that I would have a new mortgage company which is XXXX XXXX, effective XX/XX/2014. I have received to correspondences from XXXX XXXX, XXXX from the office of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. According to the court documents they are representing Bank of America in a foreclosure on my property? I am confused ... because all of my monthly statements are with XXXX XXXX ... looking at the court documents ... I see that XXXX XXXX is not with current events because XXXX is still listed along with other items that should not be listed ... the mere fact that these items are listed I am wondering why XXXX XXXX who claims to be representing Bank of America is harassing me. I am in the process of deeding my property back to bank ... .that bank is XXXX XXXX XXXX If you review the responses and history you will see where Bank of America disassociated themselves from the issues I had with them when they transferred the property to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a very ugly divorce, my estranged husband joined a cult ( XXXX XXXX XXXX ). He filed a bogus lawsuit against XXXX, Newrez, the VA, etc... .I took over making the mortgage payments in XXXX when I discovered that he was not making the payments. I reached out to Newrez and was working with their legal team to help me protect myself and the mortgage. I was advised to place a security pin on the account so that he could not call in under me when I filed for divorce in XXXX. In XXXX the XXXX Police Department XXXX team removed XXXX from the house when an order of Protection was served against him. I have made every payment on time for the past few years since I took over the payments. I schedule my payments in advance due to my extensive travel schedule. I scheduled my XX/XX/XXXX payment in advance as I usually do, on XX/XX/XXXX, I received a call from Shellpoint mortgage stating that my payment was not made and I told her my payment was made back in XXXX. I looked on my bank account and did not see the money withdrawn. I went back on the website and the payment had been canceled. I immediately rescheduled the payment and spoke with another representative about what I could do to protect myself. I was advised that they could not stop him from accessing the loan account online because his name is on the loan. The part that hurt the most that Shellpoint would go months and months without reporting my positive payments but this one incident that I had no control over was reported immediately and it affected my credit score. I reached out to them and asked them to correct this as it was not my fault. I emailed them twice and called numerous times. I opened a dispute with the credit bureaus and nothing was done. I was told to schedule my payment the day I want it to come out, to keep him from canceling. I can't do that when i am overseas or traveling. I have tried refinancing but he would have to sign the documents. My attorney is back in court with a TPRO against my estranged husband as he has did this also with my bank account. I sent this over to Shellpoint Mortgage. The mark on my credit report will hurt me with trying to refinance as my credit has been affected. This is unfair to me as I make my payments and there is no way to help me against this man and the malicious things he is doing. I am asking for Shellpoint mortgage to remove the 30 day mark against my credit.
Product: Vehicle loan or lease

I bought the car from Kia and they went through Kia Motors Finance. I have spoke with their company several times and I was originally advised on their recorded line that they would put two payments at the end of the loan. After several calls they changed it and I asked for a manger to review calls because this is a UDAAP violation. They would not, they would not return my calls. I continued to call for a manager. They put me on a DNC list and I didnt ask them too. Now my car was repoed due to being 59 days late. While trying to get it resolved I asked the rep if I was in danger of repossession and they stated no. The Repo company now charged me XXXX to get my belongings and stole some of my items out of the car. This must be fixed. If not I will seek a lawyer to have KMF pay for all this emotional stress and health issues they are causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After actively monitoring my consumer report, I noticed multiple inaccuracies are being reported regarding my XXXX account ( Account # XXXX ). The inaccurate information on my consumer report is proof that a proper investigation has not been conducted by the Data Furnisher to the Credit Reporting Agencies. I'm simply asking XXXX to remove it from my credit report. 
These discrepancies amongst the credit reporting agencies have caused enough damage to my personal and financial reputation. I have provided a list below of all inaccuracies reporting on my consumer report, which further proves that XXXX has had blatant disregard for the laws according to the FCRA & FDCPA. 
Also, I have found the information being reported is not metro 2 compliant which is a reporting requirement listed by all three credit bureaus on each of their websites. Please view ALL of the documents attached. 

Account Name : XXXX XXXX Account # : XXXX Dispute # 1 XXXX XXXX as the furnisher of information is not registered as a telecommunication company not a collection agency in the state of XXXX. Therefore, XXXX XXXX should not be reporting a collection account on my consumer report. 

Dispute # 2 XXXX XXXX has verified with the CRAs that {$820.00} is past due. In order for an account to be reported as past due a payment must be due. The payment history does not reflect any scheduled payment amount for this account. XXXX XXXX may report a balance but a past due amount is invalid reporting and improper use of my credit report. 

Dispute # 3 The Term is being reported as 1 Month. Was this account opened on XX/XX/ as a Collection account or a Cell Phone account? I would like to request the 1 month Term contract/ signed agreement. 

Dispute # 4 The account reports as an Open/Installment account that was opened on XXXX  but has reported no positive payment history. Which is a reporting requirement by the Credit Reporting Agencies. Data furnishers must report both positive and negative information monthly. XXXX XXXX has reported ONLY negative payment history regarding this account. 

Dispute # 5 This account is reporting monthly payment history on a closed account!
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX  # XXXX. Has violated my rights ONLINE INFORMATION SER # XXXX Has violated rights
Product: Credit card or prepaid card

I was unlawfully denied my own credit under 15 USC 1611, 12 CFR section 1002.4, 15 USC 1681 ( a ) & ( b ). 

Not only were my consumer rights violated on XX/XX/XXXX, I was unlawfully denied on XX/XX/XXXX & my credit was impacted for over two years due to a derogatory report on my credit. 

I would like to receive written notice from CARECREDIT underwriter listing of all the factors that were involved in this consumer transaction.
Product: Credit reporting or other personal consumer reports

Experian Credit bureau has taken credit file access from me since last XXXX months. 
Every time I call them they ask me to wait XXXX hours to access my credit file. 

I also sent letters requesting access to my credit file on Experian website but they are not responding. 
Letters sent on XX/XX/XXXX and XX/XX/XXXX with my Driver license and SSN card attached with the letter. 

Every time they say system has an error.
Product: Debt collection

First of all, I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to the main problem, your company claims that I legally owe money to certain creditors. However, I am willing to pay under one condition- if you can provide the following : 1. Validation of the debt, that is, the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. Furthermore, I would like to dispute the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Product: Debt collection

On XX/XX/2024 I advised titlemax that they need to stop there harassment and threatening tactics in collect a debt owed on an auto loan. I advised I was unable to pay and on a recorded line I was told that I had no right to stop communication from them and they would call as much as they wanted and as frequently as they want with absolutely no consequence. And they were going to make me pay this debt back. This has to be illegal and highly unprofessional at least a violation of my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked Experian to remove this incorrect address from my report & they refused. The XXXX Florida address is not mine & never has been mine.
Product: Debt collection

I received a phone message about 2 weeks ago, I did a courtesy call back and told them that they have a wrong number, no such person lives here. My answering machine clearly states that you have reached XXXX and XXXX. Pease don't call here again and the lady said she was documenting my phone number ( XXXX ) so that I would not receive further calls. Yesterday I received another phone call, I left it go to the answering machine, the number was XXXX ext. XXXX, different ext. no. from the first call. I did a return call and was upset that they should call my number again and that I would report them. I did give my number to him and I wasn't going to answer any other questions and told him that we're finished here and I hung up on him! Please help end these phone calls to my home.
Product: Student loan

I was reviewing some of my old student loan documents. I did not find documentation for th e tworemaining loans with Nav ient. I requested the promissory no te. Navient sent me a promissory note with incorrect information and the note did not include a signature. The signature box was simply marked and a notation made that electronic signature was on file. I requested additional information from Navient including proof the loans belong to me ; to date I have received no documentation. In an effort to avoid these accounts affecting my credit, I make on-time payments every month and will continue to do so until this matter is resolved.
Product: Credit reporting

I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my Equifax credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. Equifax signed for my letter on XXXXOn XXXX Equifax responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to Equifax did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to Equifax, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum Equifax should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to Equifax with signatures for the letters, Their Responses, An Equifax credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX XXXX {$5100.00} XXXX XXXXXXXX : {$6200.00} XXXX XXXXXXXX : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have mailed out dispute letters regarding old addresses no longer associated with me and employers on XX/XX/year>. I have yet to see this information updated on my credit report through identity XXXX. All information must be up to date and accurate. Any time i call bureaus to remove and update very simple things, they give me a hard time, and hang up the phone. Customer service when calling Bureaus, especially XXXX is the WORST ever when it comes to communication.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX  Balance Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TRYING TO UPDATE NEW RESIDENTIAL ADDRESS MULTIPLE TIMES WITHOUT SUCCESS. 
CONTINUE TO RECEIVE MAILINGS REQUESTING FOR PREVIOUSLY SUBMITTED INFORMATION. 
THIS IS CAUSING MAJOR HARM TO ME AS BANKS ARE UNABLE TO VERIFY IDENTITY ATTACHED DRIVING LICENSE AND UTILITY
Product: Debt collection

I received a collection letter from SKO Brenner American , Inc. stating that I owed {$700.00}. In their letter, they did not identify who they were attempting to collect for nor did they identify any product or service that was supposedly rendered. I do not have any outstanding debt from anyone, so this is either a scam or mistaken identity. Since SKO Brenner American did not identify a vendor or product/service, this appears to be a scam.
Product: Debt collection

I got a quote from XXXX XXXX for insurance when I purchased a home in early 2019. I went with a different insurer. I did not agree to purchase the XXXX XXXX policy and thus I have no responsibility for this alleged debt. XXXX XXXX kept sending bills. They sent this invalid debt to a collection agency, CCS. CCS is now attempting to collect the debt. I sent proof of other insurance to CCS in 2019 to document that I have other insurance and never purchased a policy from XXXX XXXX. I also formally disputed the debt. CCS continues to attempt to collect this invalid and disputed debt.