23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.
Product: Credit reporting

I do not, and am not disputing ownership of the Trade line contained in this. 

XXXX XXXX Account account is reporting inaccurately, and incompletely. Please update its data to report correctly - or DELETE the account. 

This Collection account is reporting as if they are Credit Grantors, when in fact they are not. And as such, They are expected to be reported in the ( XXXX and XXXX ) segment allowed for such reporting, Collections. Please see page XXXX - of the attached sample Equifax credit report., from equifaxes ' own site. 

This collection account, and all others showing on my files- allows this debt collector to report this activity as if - I have/had an " OPEN '' type ( reserved for XXXX, utility companies ) - where a contract for services exists and that such contract allows for payment when billed. They as debt collectors - can not report in this manner. 
FCRA - 623, is the section in which this complaint, is being filed 1. Because of the way in which this is reporting, and ORIGINAL CREDITOR must exist, and does NOT 2. This account is showing as an " INSTALLMENT '' Type of credit line, when they can not as Debt Collectors 3. Is inaccurate - as even as it resides in this segment of my report - lacks its true Pay Status, as they can only have " PAID Collection '' or " Unpaid Collection '', or check, of which this account is not. This instead has " In Collection '' when this value is dedicated to Credit Grantors only. 
4. Stores a date of First Major delinquency, which the Debt Collection CAN NOT own or report after it bought or was assigned this account. This - is owned by the Original Creditor - and is wholly inaccurate 5. Has a High Credit - which is wholly inaccurate, there is no HIGH Credit with a Debt Collector, only - the Original Creditor 6. Even existing on this record in its current state - the record is wholly incomplete A credit Grantor must supply the Creditor classification, this is blank c. The Balance History would then be mandated, and this is blank 7. This is a paid collection, and there is neither a concise closer status nor a date. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove fraudulent accounts despite fraud affidavit and police report being submitted. The representative blatantly stated that if the creditor verifies that the information should remain that supersedes the fraud documents submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively working on improving my credit scores. I have filed disputes with XXXX XXXX, XXXX  and Equifax. Directly and now through your support. 
Today, after filing my dispute with you last week, XXXX XXXX is reflecting my Equifax score went down 23 points and there is no changes reflecting why it would go down. 
So, are they punishing me for filing with you? Is XXXX XXXX wrong? Equifax directly does not reflect a 23 point drop, although my score did go down. 
And if you review my previous complaint, XXXX XXXX told me my score went up 57 points when it did not move. 
How can we as consumers be expected to follow their reporting when it is so inconsistent and presumably not accurate? Not too mention the impact these erroneous reports have in our abilities to purchase items that rely on these same credit scores. 
I NEED HELP PLEASE?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit  reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$920.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX  {$2100.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$1200.00} Closed
Product: Debt collection

I have no idea who this {$130.00} is or what it is for
Product: Credit reporting or other personal consumer reports

I have unauthorized activities/inquries on my credit report. I've been calling all three bureaus, and I'm seeming to not to get nowhere. I would love this unauthorized activities of my credit report, i have been doing disputes on the phone as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and XXXX are reporting accounts from Comenity Bank/Victorias Secret XXXX XXXX XXXX XXXX Bread XXXX  and XXXX XXXX XXXX XXXX Any accounts from XXXX XXXX XXXX  and Comenity Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX L SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently was sent a pre approval link from XXXX  I went to it and signed up. On the link it said pre approval will not run a hard pull without me giving consent. This was all done XX/XX/2020. Now on XX/XX/2020 it is showing a hard pull and decreasing my experian score like crazy. I called XXXX twice on XX/XX/2020 both customer service reps agreed with what I was saying. They told me best to contact experian so they can remove it. I than called experian waited on hold and kept talking to robots and not a live person. I was than recommended to come here so that you guys can help solve and fix this problem since it is in accurate and not authorized by me. I want this off my credit report with anyone XXXX  ran my score through. In there own tape recorded conversations they had stated all I had to do was contact experian and show picture proof if i couldn't get them on the phone. I have picture proof which i will attach of XXXX  saying pre approved, the inquiry being place and the credit drop it created.
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. 

1 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 4 ) XXXX  XXXX XXXX, XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX XXXX ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXXXXXX, closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 card

I opened an AMEX Business Gold credit card in XXXX of XXXX for my new business and specifically called ahead of time to ask how strict the XXXX  day spend window was in order to qualify for the XXXX sign on bonus. The woman I spoke to on the phone told me they usually gave you a XXXX window by a few days to meet the XXXX spending requirement and get your bonus offer. I knew I would need flexible days to meet that requirement. I also asked the same question of a representative on the AMEX chat service who told me I had a flexible window of XXXX days. I took a screenshot and will include it. My bonus never arrived. I called customer service and asked why. They told me I did not complete the spend within the window required. They denied any flexibility. I told them about the phone calls and gave them exact date and time of those phone calls with their female representative who promised me otherwise. They said they would investigate. I called XXXX days later or so and they said the investigation was closed and I would not receive my sign on bonus. I asked to open another investigation or see the transcript of our phone call to prove I had been promised flexibility. They refused. They opened a second investigation and yet again I was found not deserving of my welcome bonus. I am frustrated and at a loss for what to do. There is no transparency in their investigation and I have evidence that they promised me flexibility and are now denying me my welcome bonus of XXXX points. I have no evidence of the transcripts from my phone calls but I do have a screenshot from their customer service chat.
Product: Checking or savings account

Dear CFPB, I opened the small business checking account as Sole proprietor under my SSN with Truist bank. Prior to the account opening, I have existing business checking accounts with the bank as following : XXXX under EIN, and Sole proprietor under another EIN. Each account is separated entity. 

I was denied for their promotion with the reason as : " The Business Employer Identification Number or Taxpayer Identification Number is linked to an existing Truist business checking account and is not eligible to participate in this promotion. '' I have not had a business account with Truist with the same Tax Identification Number or EIN before. Thus, this is very difficult for me to understand their denial reason. Per their term and condition for the promotion : " You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days prior to the promotion start date ( on or after XX/XX/2022 ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 89 points in two weeks with no changes to my credit report, I contacted XXXX XXXX  and XXXX XXXX through XXXX XXXX and both advised it was a transunion issue. I contacted transunion and they advised that what the two services were reporting was completely wrong and much lower than what my credit score actually was. So, I went online and purchased services through transunion to find out they had in fact droped my credit score 89 points with absolutely no negative changes. I am completely mystified at how credit bureaus can do this to people without any good reason. Our credit bureau system is broken, disputes never get resolved, information is continually incorrect, items that are older than the allowed are still on the credit report even after disputing them. Something needs to be done. They blatantly lied to me on two separate conversations to get me to spend money to buy my score all to find out they were one, lying and secondly actually did drop my score with no changes to my report.
Product: Debt collection

On XX/XX/XXXX, RS Clark and Associates reported a collection account for XXXX  XXXX in the amount of {$540.00} on my credit bureau file. On XX/XX/XXXX, I sent a letter to RS Clark and Associates disputing the debt and requesting validation. They did not respond. In XX/XX/XXXX, I sent a certified letter to RS Clark and Associates disputing the debt again and requesting specific information be provided to me ( see attached ). Again, they did not respond. Pursuant to the FDCPA, they were required to respond to my request within 30 days. To date, RS Clark and Associates has never contacted me or sent any information regarding the validation of this debt. RS Clark and Associates has violated multiple FDCPA laws. RS Clark and Associates has a history of complaints at the CFPB of violating consumers ' rights by not conducting business practices in compliance with federal and state laws regulating consumer collection agencies. I am requesting that this company be investigated and that the account be deleted from my credit bureau file immediately.
Product: Credit reporting or other personal consumer reports

I've been working on my credit profile for over a year and the CRA  has not removed the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RECEIVED A LETTER ABOUT A XX/XX/XXXXXX/XX/XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called XXXX XXXX. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX XXXX  Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( XXXX  XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Debt collection

I have requested validation of debt, as well as, validation methods from XXXX XXXX XXXX. I have sent the request twice via certified mail, of which I have receipts. I received a statement from the " original creditor '' and have yet to receive a signed contract with my signature on it I have previously sent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe to another company. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I did not consent to XXXX for validation and have yet to receive a contract bearing my signature. 

XXXX is still reporting this collection on my credit report, which is considered to be a collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY ) XXXX XXXX XXXX # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only XXXX  who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) XXXX  and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX/XXXX  I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX  they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus XXXX, XXXX and Equifax wont remove the XXXX/XXXX  they keep referring me to contact XXXX  and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I recently sent an investigation request to the credit bureaus. We are attaching a copy of the letter we sent, with our identity verifications attached. Well over 30 days have passed, and we have yet to receive any responses.