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

I don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Delete the following from my credit report immediately! 

XXXX # Transunion date last active XX/XX/XXXX. Last payment date XX/XX/XXXX DELETE XXXX  XXXX # Last active date XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX # Transunion last date active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX  XXXX # Account opened XX/XX/XXXX. XXXX open date XX/XX/XXXX. DELETE XXXX  XXXX/XXXX  XXXX XXXX # XXXX reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE THE XXXX # Transunion active date XX/XX/XXXX. XXXX active date XX/XX/XXXX. DELETE XXXX  XXXX  XXXX # Last reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX XXXX XXXX # Last report and last active date the same. DELETE XXXX # XXXX last active XX/XX/XXXX. XXXX last active XXXXTransunion last active XX/XX/XXXX DELETE XXXX XXXXXXXX # Last report and last active the same date. DELETE XXXX XXXX # Provide proof of open date. DELETE XXXX # Credit limit {$200.00}. Credit high {$400.00} DELETE FST XXXX # Credit limit {$400.00}. High credit {$700.00} DELETE FST XXXX # Credit limit {$300.00}. High credit {$510.00} DELETE XXXX # Credit limit {$300.00}. High credit {$630.00} DELETE
Product: Debt collection

Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time. 

On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son and I have the same name and address, I own the home, my son moved out about 6 months ago, he apparently didn't pay his bill, I called the company, the account was SSN # based, I told them my SSN #, didn't match but they refuse to take it off my credit history, I am trying to buy a car for work, I have called, written x4, they won't move to fix this.
Product: Mortgage

I did a refinance with my current mortgage company. I chose to take out additional funds to pay off credit card debt that I am struggling with. Everything went fine, I received the checks to send to my credit card companies, and then one check to me. A couple days later, after having sent out and cashed the checks, the mortgage company came back to me and said they made a mistake and sent me too much money. They admit the mistake was their fault, and in the refi process I had seen my closer make multiple clerical errors. They want me to mail them a check for their error, its around {$1400.00}. But the money has been sent to my credit card companies. Now Im being put into undue financial burden to fund the cash to come up with the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the year 2017, Experian, has failed to provide a credit score to potential creditors I have applied for credit. I have many times called Experian and explained the issue but it continues to be outstanding and they do not report a credit score with my social security number and credit file and it is negatively impacting my ability in attaining credit. I am formally requesting the assistance in resolving this issue of not having a credit score being reported with my credit report to creditors seeking to confirm my credit score. Thank You. Most Respectfully.
Product: Debt collection

I am in the middle of a Debt Settlement program. I have explained this to One Main Financial. They have called my work and left messages. I ma a teacher and unable to accept calls at my work. I am aware of the debt and it will be paid, however, my company XXXX will take care of this. They are harassing me and I am frustrated with their tactics.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

Subject : Dispute of Debt Request for Validation To Whom It May Concern, I am writing to formally dispute the debt associated with account number Southwest Credit System - account # XXXX - {$2100.00}, as I believe this debt is not mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following : Documentation proving that I am the debtor responsible for this account. The name and address of the original creditor. Copies of any signed agreements or contracts related to this debt. Until this information is provided, I request that you cease all collection activities, including reporting this account to any credit bureaus. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau placed a fraud alert statement on my permission and I'd like it removed. Please remove the fraud alert statement from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, a credit reporting agency, for its failure to accurately report my credit information. Specifically, I believe that Experian has included inaccurate information on my credit report, which has resulted in negative consequences for me. 

Despite my efforts to rectify the issue by disputing the inaccurate information, Experian has failed to investigate and correct the errors. This has caused undue hardship and financial damage to me, as the inaccurate information has negatively impacted my credit score, and subsequently, my ability to secure loans, credit cards, and other forms of credit. 

I find it deeply concerning that Experian, as a major credit reporting agency, has not taken the necessary steps to ensure that the information it reports is accurate and up-to-date. I believe this represents a serious breach of its duty to protect consumer information and is a clear violation of the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau launch an investigation into Experian 's handling of my credit information, and take appropriate actions to ensure that Experian corrects any inaccurate information on my credit report, and takes necessary measures to ensure this does not happen to other consumers in the future. 

I would appreciate a response to this complaint at your earliest convenience. Thank you for your attention to this matter. 

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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in 60 days 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. 


XXXXNever  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 XXXX
Product: Mortgage

On XX/XX/XXXX, I paid {$550.00} to Amerihome Mortgage to appraise my primary residence.

The purpose of the appraisal was to remove $ XXXX monthly private mortgage insurance ( PMI ) payments.

At issue, the third party vendor, appraiser, reduced the gross living area ( GLA ) of my house by 102 square feet from 2896 to 2794 square feet. All prior appraisals consistently measured the house to be 2896 square feet. When I asked why the negative 102 variance all the sudden, the answer that I received was that 102 square feet is within market variance.

Because of this 102 variance, my LTV is at 76.3 % rather than 73.7 % that would qualify me for PMI removal defined as 75 % LTV or less At this point, I have to pay {$5200.00} to Amerihome for PMI removal. I have filed three appeals but Amerihome nor the appraiser are willing to make revisions to my LTV.

I suspect that AmeriHome mortgage company is colluding with the appraiser by 1. purposefully reducing my GLA to attain a lower home value in order to disqualify me for PMI removal. The reality is that if the correct GLA is applied, PMI will be removed without paying {$5200.00} to Amerihome.

Amerihome has refused to entertain any revisions to my home value in light of this egregious inconsistency between their appraisal practices and previous ones. My only option is to appeal to you to investigate this unfair practice designed to keep customers stuck with PMI in perpetuity.
Product: Credit reporting or other personal consumer reports

I have had a XXXX account since XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on XXXX, I simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX year old woman who is continuously badgered by XXXXXXXX XXXX XXXX who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take XXXX XXXX XXXX XXXX XXXX and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.
Product: Debt or credit management

I received a notice from National Credit Systems a third -party collector for {$11000.00}. The debtor claims I owe a debt to XXXX XXXX XXXX and the Tenant is attempting collect fees for breaking the lease agreement without notice. The case was held in court and dismissed for erroneous charges and fraud. The third-party National Credit Systems is aware of the dismissal and reported the debt to my credit regardless of the Court decision XXXX
Product: Credit reporting or other personal consumer reports

I have sent certified letters and a FTC report as well a copy of my id n ss card to XXXX n Transunion and these agencies are still reporting inaccurate information .per The Law 15 U.S.C 1681 and U.S.C 6802 these agencies are reporting different late payments on this account in which I have stated several times to these agencies is not my account. the hardship they have caused me is very overwhelming they have violated my rights per ( FCRA ) in which I am promised accurate reporting might I state that XXXX deleted this inaccurate information immediately from my credit file
Product: Vehicle loan or lease

My husband soon to be ex husband ran out on my daughter and I leaving behind tons of Bill 's including a truck that he had to have XXXX sign for. He ran out on XXXX XXXX charges and left us assuming with nothing for to many addictions and now I haven't worked in 5 years and I have been searching for a job, but lack of HISTORY skills me. I wanted to trade in for lower he raised it and now is XXXX finance responsible after cheating having another baby and a bunch of other messes he will be having. Like the 2 domestic violence charges he will be facing. what can I do?.?
Product: Debt collection

Merchants & Medical Credit Corporation , Inc. is communicating false representations to the credit bureaus in multiple ways. 

1. Collector is lying about the opening date in an attempt to unjustly extend the recorded tradeline until XX/XX/XXXX. They report to XXXX that the account was opened in XX/XX/XXXX. However, the statement the collector furnished to me reports XX/XX/XXXX for the opening date. 

2. Collector is lying about the account number to XXXX. Collector furnished an account number to XXXX different from any of the three identifiers printed on the statement. 

3. Collector is lying about the terms to XXXX. They report " 1 months '', however there are no terms. 

I have disputed the item with XXXX. Collector 's agent, XXXX XXXX, in violation of my XXXX letter, contacted me directly. In her correspondence, she states that she believes her reporting is accurate. 

XXXX XXXX and XXXX XXXX are particularly implicated in this fraud because they are signatories to the collector 's correspondence.
Product: Debt collection

In XX/XX/XXXX, I visited XXXX  XXXX in XXXX, GA, I don't recall the reason for the visit. It must have been 6 or more months later, I got call from someone by the name of XXXX, who I imagine is in charge of payments, telling me my account is in collection and then hung up. It was impossible to reach her therefore being suspicious of that I stopped by the clinic to see what that was about, to my surprise I owed money to the clinic which I should not have because I had insurance. The clinic failed to send the bill over to my insurance. I asked for the full balance in order to pay and effectively have this removed from collections and no longer affecting my credit report. I paid {$220.00} and was confirmed that it would be removed from my report. I left things at that, thinking that I resolved this debt. 
Years later, on XX/XX/XXXX I applied for a XXXX  credit card, and lucky me XXXX uses XXXX  as their credit bureau or I would've taken longer to find this out. I came to find out that this debt that I previously had was not registered as paid off. The reason for the credit card decline was COLLECTIONS, therefore here I am attempting to get this removed. 

Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXXAccount Name : XXXX XXXXXXXXXXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1400.00} credit cards XXXX XXXX XXXX {$370.00} XXXX XXXX {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX XXXX use {$2000.00} error every payment was on time currently reporting two late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EXPERIAN, XXXX, and XXXX personal credit report ( s ). I have identified fraudulent accounts and inquiries. Please remove and block listed accounts and  inquiries below : Accounts - NAME : XXXX ACCOUNT # : XXXX BALANCE : {$260.00} NAME : XXXX XXXX ACCOUNT # : XXXX BALANCE : {$9.00} NAME : XXXX. XXXX, XXXX ACCOUNT # : XXXX BALANCE : {$400.00} Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am requesting the listed accounts to be permanently removed and block from my credit report ( s ). These accounts and fraudulent, unverifiable, and violate my consumer rights.
Product: Mortgage

I made 2 payments in XX/XX/year> which were not applied correctly. Rather than apply all excess amounts paid over the monthly amount owed to principal, the company applied the extra payments towards the next month 's mortgage payment. I called 6x and the issue still hasn't been fixed despite being told on each call that it would be rectified shortly. My next payment is due presently and I plan on getting the final payoff amount to pay in XXXX but can't because they won't fix the problem. In short, they continue to improperly apply my extra payments to escrow and interest. This issue has occurred during the entire life of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong with Experian, I provided a letter directly from XXXX XXXX regarding the XXXX XXXX account listed which is NOT mine and is fraud. Not only I have provided the letter to Experian as well as the other two agencies the other two agencies have already removed. Even XXXX XXXX XXXX has requested removal to Experian and here we are two almost three months later this account is still listed. This is my last attempt to correct this mistake, if it is not correct I have no choice to take further actions and get legal advice as this mistake is holding up a financial move costing me money and it is not my doing.
Product: Debt collection

this account does not belong to me please remove it off all three of my reports asap
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPE. Equifax is sending wrong uncorrected information on my credit file to XXXX parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the XXXX  and the bank states to contact Equifax that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL Equifax continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with XXXX 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.