23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.
Product: Debt collection

I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my experian credit report that I did NOT authorize. This dealership had my personal information from XXXX and have called me constantly trying to get me to buy another vehicle from them. In XX/XX/XXXX I went to dealership to look at a vehicle. I did NOT give them any information to run my credit in XX/XX/XXXX. They were not even suppose to have my social security number on file..but they did.. Next thing i know i had several inquiries on my credit report.. I called the dealership and the manager just said " oh well dispute it '' .. On XX/XX/XXXX i called experian to tell them about the inquiries and was told since i bought a vehicle from that dealership in XXXX, I could not dispute it even thought I never signed anything or gave verbal concent on XX/XX/XXXX for them to run my social security number again.. I DID NOT GIVE THEM THIS INFORMATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WAS A 2ND MORTGAGE WHICH I HAD FORECLOSED ON XX/XX/XXXX MY LOAN WAS WITH XXXX WHICH THE LOAN WAS SETTLED WITH THEM AND XXXX XXXX  SOMEWHERE ALONG THE LINE XXXX SOLD THE LOAN TO XXXX XXXX XXXX XXXX WHICH IS REPORTING A REVOLVING 30/60 AND 90 DAY LATE PAYMENTS.. THEY ARE TELLING ME I NEED TO CONTACT A LAWYER OR THEY ARE GOING TO FORECLOSE ON THE PROPERTY. I HAVE SENT LETTERS CALLED, EMAILED AND HIRED A CREDIT RESOLUTION COMPANY TO TRY AND GET THIS RESOLVED. THEY KEEP SENDING ME LETTERS WHICH SAY I AM NOT PERSONALLY RESPONSIBLE BUT SAY I HAVE MADE PAYMENTS SO THEY CAN NOT REMOVE THE REPORTING STATUS. I HAVE AT NO TIME MADE ANY PAYMENT TO XXXX XXXX XXXX XXXX. I DO NOT KNOW WHERE THEY ARE GETTING THIS INFORMATION FROM. I AM TRYING TO GET MY LIFE BACK TOGETHER AND PURCHASE A HOME BECAUSE XXXX AND XXXX XXXX  HAVE BEEN REMOVED FROM MY CREDIT REPORT AND I WORKED HARD TO GET MY SCORE BACK UP TO A XXXX AND THIS XXXX LOAN REPORTING IS STOPPING ME FROM GETTING A LOAN NOW WITH THE LIMITED STAFF I CAN NOT EVEN GET THROUGH TO THEM VIA PHONE ANYMORE AND THE REPEATED LETTER THEY SEND IS REPETATIVE. PLEASE HELP ME REMOVE THIS.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/2024, at XXXX XXXX Chrysler XXXX XXXX XXXX XXXX. 

While I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. 

The key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution.

The dealership did not explain the potential negative impact on my credit score caused by these actions.

DENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. 
EXCESSIVE AND UNFAIR PRACTICES : My credit report reflects 7-9 hard inquiries related to this single event, which significantly impacts my credit score. 
As a XXXX  parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. 
Failure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. 
GOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.
Product: Debt collection

I have reached out to this agency XXXX XXXX XXXX for a contract to a item in their office # XXXX in the amount of {$14000.00} that they placed on my credit report due to no knowledge of what item is and i can not get a response. The only information i can get from them is that they are not working this item and a phone number to another agency that they said was working this item, i called the other number they gave me and that agency also said that their company is not working the item either, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX phone # XXXX is reported as a derogatory on my credit report please have them to provide me with the contract of this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX received a text from chime asking if i had tried to use my card to authorize a {$290.00} charge at XXXX XXXX XXXX. I responded No it was not me and they replied back with a text that said it had been blocked and they did not let the charge go thru. I did not think I would need to worry about them allowing any charges from XXXX XXXX XXXXXXXX to go thru since I already said no I did not authorize the last charge but on XX/XX/XXXX they had approved two charges for XXXX XXXX XXXX. The first charge was for {$40.00} and once that went thru they then charged my card again for {$250.00}. I did not see these charges until the XXXX but I immediately called and filed a dispute and was very upset that they allowed the charges to go thru after I said no it was not me me. I filed my dispute on XX/XX/XXXX and asked the agent if they needed pictures with the text messages showing I had said NO it was not me but he said no they would have all that information. They closed the dispute just two days later on XX/XX/XXXX denying me my money back. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX - Incorrect Name # 2 : XXXX XXXX - Incorrect Name # 3 : XXXX XXXX XXXX - Incorrect Name # 4 : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with XXXX XXXX XXXX was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( Equifax, XXXX XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

XXXX, after this XXXX dispute, updated both Equifax and XXXX report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both Equifax and XXXX asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that XXXX XXXX XXXX is trying to unlawfully extend the time that this account stays on my credit report and that Equifax and XXXX is not investigating my dispute correctly. 

I contacted XXXX XXXX in XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - Equifax Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of MyEquifax account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of Equifax payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- XXXX submitted to Equifax when this information was disputed. 
- Payment history document received from XXXXXXXX XXXX in XX/XX/XXXX - Letter with response from XXXXXXXX XXXX  stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from Equifax stating that the information on my credit report was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for a home loan due to items on my credit report that that doesn't belong to me.
Product: Checking or savings account

Someone was able to open an account using all my information with First Tech Federal Credit Union. They used this account to wire money out of my XXXX account into this other account. I spoke to First Tech myself and they are doing an investigation.
Product: Credit card or prepaid card

I ordered a Brooks Brothers store Mastercard, issued by CitiBank replacement credit card after a fraud event and the card was lost. 

I ordered one replacement card that never arrived. After two weeks of waiting I ordered another after a call to their card services department. Three weeks later my card never arrived. Attempt # 3, I waited two more weeks for a card and it never arrived. I then finally received the card from Attempt # 2 and can not activate it. I am trying to do a balance transfer on this account and I can not be provided with my account number to do the transaction since they will not tell me over the phone despite being verified using multiple factor authentication. 

This is abusive practices under the UDAAP criteria the CFPB has published.

1. I can not avoid the injury since I am refused my account number even though I pass security measures.

2. I can not remove the balance on the card via transfer and have to pay interest while this balance is mailed.

3. I am denied use of my account since I have no access device.

4. I have reasonably attempted on numerous occasions to resolve this and my card never arrives timely. This includes using another house I own with a different address to ensure it is not an issue with the postal network.
Product: Mortgage

The attachment has all the details involved in the erroneous accounting transactions that generated a past due payment on my account. 

I have emailed, called, written letters, and had an attorney write a letter to get Shellpoint to correct this error to no avail. 

After Shellpoint reversed payments billed and paid, my account was put into a past due status. This transaction occurred on XX/XX/XXXX. I have provided the escrow analyses as proof that the amounts billed and paid are indeed correct, however, no actions have been taken to correct the reversal of payments billed and paid. As of this date the account shows past due. I am not able to determine how they arrived at the amount included in the past due payment. The past due payment has fluctuated up and down since XX/XX/XXXX. 

In XX/XX/XXXX, a past due in the amount of {$820.00} for some bankruptcy fees was added to my account. I was told not to worry about this amount. However, I began paying this amount down, as of XX/XX/XXXX, the balance was {$570.00}. 

Payment sent in for XX/XX/XXXX for {$1500.00}, was posted as {$1200.00} into escrow and {$270.00} into partial unapplied. There was not an escrow shortage prior to the reversal of payments and no need for this payment to be posted as such. The past unpaid amount escalated from {$570.00} to {$1800.00} which is less than a regular payment due. {$1200.00} is the amount of the escalation and I can not determine how they arrived at this amount. 

Please see attachment for full details on other accounting items that I have requested to be corrected. 

I also attached some of the documents sent to Shellpoint and a couple of the statements. If additional information is needed I can provide it later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting several unauthorized inquires on my credit report.
Product: Mortgage

Hi my name is XXXX XXXX i was the co borrower on a loan application with my father XXXX XXXX We apply for refinancing in XX/XX/2019 with amerisave mortgage i was pre approve i started the sending over all the request completing there request with in days. I was told i need to pay for appraisal fee so we did after appraisal the broker who was handing the request was removed from the account, i was giving a new loan officer and we started the process all over again four weeks in the process with this new loan officer they inform ed me on a fha loan the co borrower must life in the house i don't life in the house hold only supporting them financially. The next step was to have the loan in my mom and dads name after third attempt they declined loan application saying the FICO score is to low. when the original application was started the credit score was 50 point higher. This is a consumer fraud this company was the cause of the credit score to  decease then decline the loan. 
My contact information is XXXX email XXXX the person I last was working with was XXXX XXXX ph # XXXX his email XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, early warning services has violated my rights.15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. There are at least 50 reported items that have been reporting for multiple years.
Product: Debt collection

I was called on XX/XX/18at XXXX by Portfolio Recovery Associates operator XXXX attempting to collect the credit card debt. They have been advised to place a cease and desist on this debt and if needed to continue all further communications through correspondence. They did not follow that request and continued to call me every 2-3 days for various months. I reiterated the cease and desist at the above time and provided last 4 of social if required to authorize for their recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX stating that if I paid a portion of my bill the rest would be listed as settled in full. I paid the amount on XX/XX/XXXX. I received my credit report on XX/XX/XXXX. My report states that I paid only a portion and that I need to pay the balance.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and I am requesting for Experian to delete and remove these fraudulent accounts immediately. I have included a copy police report to this correspondence. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Eastern Account XXXX never served me notice of an alleged debt. I only found out due to finding out on my credit report today and getting the points to fall 14 points. I researched and Eastern Account XXXX is illegally reporting the alleged debt b/c 1. No license to collect in Michigan 2. Lack of service of sending notification Eastern continues to illegally collect and its harming my credit and livelihood,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I receive repeated calls, XXXX to XXXX calls every day. They maintain constant harassment.
Product: Debt collection

I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.