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

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and that may have gotten in the wrong person 's hands
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 3 fraudulent inquiries on my credit file I didnt authorize. Equifax is also reporting a XXXX XXXX  Credit Card which shows as open. This account isnt open. The card for XXXX XXXX  was discharged in my chapter XXXX bankruptcy XX/XX/XXXX also attached. Please update that account you are incorrectly reporting. XXXX  received notification and can not collect on that debt further. 

The fraud inquiries are XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I consolidated my debt 5 years ago. I signed up for Credit Karma to keep track of credit score progress. First the started offering guaranteed credit cards as a way to build my credit. When I applied and was denied, it hurt my score. So I waited two more years until the consolidation loan was paid in full.

When the app said my score was XXXX, I applied for one of their suggested cards. They said it would help my credit. As soon as I used the card, my score dropped XXXX points! I needed a new car so I had to wait again for the score to go up. I would not have gotten the credit card if I thought it would affect my score that way, because I really needed a new car. 

I paid off the credit card before it was even due. I waited a month, called the credit card company and they said it might take 90 days before they trusted me and would report then. 

I waited and when Credit Karma said my score was XXXX again and went to the dealer. The same two credit agencies that Credit Karma reported as XXXX and XXXX, were reporting to the dealer in the low to mid 600s. 

The deal I created with the dealer using Credit Karma scores was completely not valid and I ended up paying over {$100.00} more on my monthly payment because of this discrepancy. 

Credit Karma is a good place to track creditors, otherwise it is a predatory company giving misinformation. It has been really disappointing and frustrating over the last few years. 

This is why I want to file a complaint. Theres no one to talk to to ask why did they report to me? My score was XXXX when the credit company they were supposed to be quoting was much lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX  AND XXXX  HAS INACCURATE INFORMATION ON MY CREDIT REPORT.
Product: Mortgage

We selected Sebonic Financial for our mortgage refinance. I believe they also go by the name of XXXX Financial. The reason we selected them was the low mortgage rate and costs to refinance. We have provided all the documents and responded on a timely basis. Each person I have dealt in their organization appears to be dragging their feet with the processes. They do n't return phone calls, information is lost, they tell me that they have all the documents and then they request more .... 

We are coming up to the end of our rate lock period. Now they are trying to extract additional payment from us for a rate lock extension. We have done everything to be timely in getting the appropriate paperwork to them, made arrangements to get the appraisal done, responded quickly to their requests, but over and over again, they drag their feet. It is as it the process is designed to get you to commit and then up sell you with rate lock extensions. I am starting to believe that they never expected to fund the mortgage at the rate they committed to. The whole process is designed that you ca n't get the process done in the rate lock period. 

Here are some of the tactics I have seen. Not just one, but a number of their people never return calls. They lose documents. They arrange for the appraisal, but the appraisers refused to accommodate any time ( weekends, evenings ) other than XXXX to XXXX. The person handling our loan told us that via email that they had received the appraiser the day after the appraisal. Then, yesterday they told us that it was n't received for 6 days. This was also in email. The person handling our loan gave us the wrong underwriter. The underwriter could not find our loan. Then, the same person handling the loan told me that the underwriter was the sales person which I knew was incorrect. 

In closing, their whole process seems to be a bait and switch. They sell the low rate and costs. Then, they drag their feet to close the mortgage refinance. Finally, they push for rate extension payment. My belief is they never intended to provide the rate that was locked in up front.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing extensive evidence and documentation demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries continue to adversely affect my creditworthiness. 

I initiated the process to dispute and remove the fraudulent items from my credit report. I provided thorough explanations, supporting documents, and any other relevant information required to facilitate a comprehensive investigation. However, much to my disappointment, my request was denied, with insufficient justification provided for the decision. 

The presence of these fraudulent items not only inaccurately represents my credit history but also undermines my financial credibility and opportunities. It has resulted in significant distress, inconvenience, and financial repercussions, which could have been avoided with prompt and appropriate action from your agency. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting immediate action to rectify this matter. Specifically, I demand that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have made several efforts to resolve this matter directly with Progressive Management services I have never done business with this company and there is no signed agreement with the company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) agreed to withdraw XXXX late payment that was reported in XXXX which I believe was in error. The XX/XX/XXXX late payment was promised to be removed from all the bureaus. It was not. Their agreement to remove this late reported payment was a lie. This is fraud. I am attaching their letter. I have asked yet again that they remove it and that a {$200.00} credit be issued to the principal balance of the loan. This is because the only insane number of times I have had no contact them to fix the smallest of issues. I am reporting this to other government agencies because I feel if I don't, they will not keep their word. I am only attaching XXXX of the XXXX bureaus report as they all show the same payment reported as late.
Product: Student loan

I have been complaining for over 2 years that my account balance was inaccurate as there was an increase from {$61000.00} to {$64000.00} for no reason. I have been requesting my statement of account since then and requested again on XX/XX/XXXX and finally got a response in XXXX. The statement showed reasons for the increase below that did not make any sense to me. 

XX/XX/XXXX {$2300.00} XXXX XX/XX/XXXX {$98.00} XXXX XXXXXX/XX/XXXX {$1200.00} Transfer I requested for a reconciliation of this on XX/XX/XXXX and got a response on XX/XX/XXXX that it would take XXXX business days to resolve. I sent an email requesting the resolution status on XX/XX/XXXX ( way after the promised resolution date ) and they sent another email on XX/XX/XXXX that they can no longer provide a specific timeframe for the resolution. 

Please note that I hate being indebted and I have been requesting for my statement and reconciliation of my account for over 2 years so I could resume paying for the student loans. It is so sad and painful that I assumed there would be a freeze on my account during their investigations but this didn't happen and I have been dinged with about XXXX points on my XXXX XXXX. 

I would appreciate it if you can assist with enforcing the correct balance and monthly payments with the borrower ( EdFinancial ) and get them to report the errors on their part to the credit bureaus so my XXXX XXXX can be corrected.
Product: Debt collection

These accounts were opened in my name, but I did not open them, they are not mine, please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting, inaccurate and incomplete information on consumer report.
Product: Mortgage

fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX
Product: Debt collection

Discovery XXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

Discovery- ( XXXX ) XXXX-Fraud Department XXXX XXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/2020 XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX  Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX XXXX Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020+ {$6500.00} Closed XXXX XXXX Reported : XX/XX/2020 + {$5000.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$1300.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

My account with U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was 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 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. 

U S DEPT OF EDXXXX, 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
Product: Checking or savings account

For the past two days I have been experiencing issue making payments to my credit card company XXXX XXXX for my XXXX XXXX. Apparently, XXXX XXXX uses Telecheck to assist them process check payments. I attempted to pay my entire balance on my credit card in the amount of {$500.00} but continuously got declined message. I contacted XXXX XXXX to inquire why my payment was being declined. I was advised that I would have to contact Telecheck to find out the exact reason as to why my payment was being declined. 

I contacted Telecheck and spoke to numerous representatives over the past XXXX or 4 days and never received acceptable reason as to why my payments or being declined. I made to payments in smaller amounts ; 1 for {$300.00} and another for {$200.00}. I received payment confirmation from XXXX XXXX that my payment was successfull. Payment confrimation are XXXX ( {$300.00} ) and confirmation number XXXX ( {$200.00} ). 

After making these payments I waited to see if they would be presented to my bank XXXX XXXX XXXX XXXX for processing. I waited but discovered that payments were never presented to my bank. I contacted XXXX XXXX to inquire why my payments were not processed. This issued has caused my balance on my credit card to me reported higher to credit reporting agencies which is totaling unfair.
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 customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 customer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no customer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than recorded of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681 as well
Product: Credit reporting, credit repair services, or other personal consumer reports

letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT XXXX XXXX XXXX FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 some one applied for a cash loan using my personal information, Which is now on my credit report as a hard inquire. The institution is Check into Cash located in XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.
Product: Checking or savings account

I went to Chase Bank in XXXX XXXX to open a business bank account on XX/XX/year> and banker XXXX XXXX approved the account and open it with a deposit of {$550.00} and on XX/XX/year> Chase Bank send me a letter and said some suppitous activity on my account when I did not even have any control of my account. I was never sent a debit card or have access to my account. They denied my account because of illegal activity by the bank and not based on my credit worthiness. They locked my account and refused to tell me why my account was closed even after I requested the information and they said it was a private matter and said they did not have to tell me anything.
Product: Debt collection

No actions taking my company unknown debt XX/XX/2019 {$350.00} have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore