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

On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Equifax to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments remain on my credit report. I tried to dispute these late payments twice with Equifax providing proof that those late payments should be removed, and that creditor asked you to do so, however, they are still on my credit report. Equifax did not look into this issue carefully and my request was not met. XXXX does not show those late payments on my credit report, however they remain on Equifax report.
Product: Credit reporting or other personal consumer reports

They are reporting that I have an eviction on my credit and that is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documentation sent to both Trans Union XXXX XXXX XXXX. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously
Product: Debt collection

I have never resided at this address listed and also I was incarcerated during this time. The municipal court is responsible for all hospital debts during my incarceration.
Product: Credit card

Capital One closed my account because activity on account was not consistent with personal, family values, and household values.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX all free annual credit reports were ordered. Within one week two of the three reports had been delivered. Equifax did not send my free annual credit report. This is a recurring issue with Equifax including previous complaints filed with CFPB. Equifax also keeps sending me the same letter over and over that there has been a recent address change on my credit file. The address listed is my previous address from 20 years ago. Last year Equifax assured me by phone that the letter would stop being sent as it has been arriving for the last nine years. I received the same letter in XX/XX/XXXX. That makes ten years the same letter has been sent to me without resolution.
Product: Credit card or prepaid card

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 tried to contact both agencies without no information from either one of them no account number no account when it was open no count who opened it and when was it open when was it closed neither one of them talks to me I will give me any information thats my dilemma
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX/XXXX XXXX {$580.00} XXXX XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX {$3600.00} XXXX XXXX {$15000.00}
Product: Money transfer, virtual currency, or money service

Funded on XXXX XXXX paid out same day the bank account name XXXX XXXX XXXX and account number XXXX is dont have record tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thats my complete name but there someone cashout using my name but i dont have already bank account i use my gruebd bank account so please refund my payment itge details is not valid again i dont have XXXX acount XXXX!
Product: Credit card or prepaid card

I purchased a {$500.00} gift card on XX/XX/XXXX or XXXX I can't use it. I called the number on the back of the card and was told me will sent me a replacement new card.After ten days I received this new gift card but I found this new gift card isn't a new card. it is actived when I received. and I called the card campany to ask cleint help me active this card but she said, I can used it directly. but after 1 hour, I try to used this card, it not work, I ask my granddaughter to call the card campany again, but they asked my name and my granddaughter 's name and they said the name was wrong and they told me to call them by myself and I have to call again and again, I don't know what happened to this hour why they always saying my information is wrong, not my name, I asked to verify my address to them, if it isnt my card, how would I receive this replacement card, and then their attitudes are very bad, they dont listen to the explanation at all, and dont Solved the problem, only repeated that the name was wrong, I asked for ownership, every time I called them, they didnt solve the problem, even didnt give me the case number, I sent them my information by email, but there was no reply, I just want my card back, the gift is a new {$500.00}, but the original card is no longer usable, it's been a month and I lost the receipt, I only have this new replacement gift card, it's {$500.00} Amount that doesn't work, I think they lied to me by not wanting to give me a new card.
Product: Checking or savings account

A checking account was opened fraudulently in my name on online banking service, Chime. I contacted the bank and they promptly suspended the account but they refused to disclose any unique details about the person or what personal information may have been compromised, which stymies my efforts to try to protect my data. I know that at a minimum my full name, email address and residential address were provided but I would like to know if my SSN, XXXX, Driver 's License or other credit information was also requested and provided. Chime refuses to divulge that information, which should be standard required information for account opening, and asked me to contact 'local law enforcement '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response to CFPB # XXXX, XXXX Just today I received a response from XXXX with Ally Financial XXXX I do not have her email therefore I want to sum up this whole ordeal as I understand it and hopefully she can tell me if I am correct in the understanding? 

I took out a XXXX loan with Ally in XX/XX/XXXX and never once have missed a payment so much as even a day late. Not once. I co-signed for man daughter back in XXXX. She turned her vehicle in XX/XX/XXXX and later received a note saying she owed XXXX. Then in XX/XX/XXXX she received another letter stating she owed a new balance of XXXX. At the time she turned in the vehicle she was told she had to pay an additional XXXX monthly to compensate for her over mileage. We assumed that was the end of that. 
Then XX/XX/XXXX a letter came to the house saying she owed XXXX. I immediately sent the bill to her and she paid it. 
Now, I find a charge off on my credit report saying I never paid the XXXX. We moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Supposedly there were many attempts to collect that debt from me for the XXXX that I never received. I took out the loan for XXXX in XX/XX/XXXX so Ally certainly had my address. Why was mail still being sent to XXXX XXXX XXXX XXXX, I am and have been paying XXXX a month since XX/XX/XXXX and never once been late or missed a payment. Common sense tells you I would pay XXXX had I known. How many times was I contacted via phone? None. How many letters were sent to my new address XXXX XXXX XXXX? Not one. I have been a loyal Ally customer and I get XXXX charged off? That's the thanks I get? Unbelievable is all I can say. 
I will add, just today I sent letters to Ally CEO XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ally XXXX XXXX XXXX. Not to mention Ally offices in XXXX Mn and XXXX Ky. I had no idea this was all over XXXX because today was the first I'm hearing about it. I assumed it was over the XXXX I am and have currently been paying. 
Come to find out the collection company said in the letter to my daughter she had XXXX amount of days to pay and avoid collection. She paid within that time frame yet Ally still charges off the XXXX and puts it on my credit report all the while I had no idea it was even owed? Unbelievable.
Product: Debt collection

I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt. 

This debt has been reported to credit rating agencies and is severely impairing my credit score/history. 

I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report. 

I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.
Product: Mortgage

Hudson United Mortgage mishandled my escrow at closing and failed to pay the due taxes. They have been uncooperative in fixing their error and now my monthly bill has gone up {$1000.00}. They do not return phone calls, they blame others and do not provide any documentation of reparation of their errors. I need help to get them to fix their negligence.
Product: Checking or savings account

My account had {$0.00} balance briefly for only 3 days ( non XXXX for all other 2+ months, see attached ) and Wells Fargo closed my account, without any prior notification in any form. My average account balance has been positive the entire time ( average balance over statement period is what most banks use from what I've seen ) and I have been having it as my salary direct deposit account. I believe they just want to avoid issuing my account opening bonus of {$400.00} which I have satisfied all requirements so far ( > {$3000.00} direct deposit within 150 days and positive average balance ). Please see the screenshots attached of multiple communication efforts with the company without success and the account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collections on my Equifax credit report on XX/XX/20 and the collections company notified all 3 collections company on XX/XX/20, all but Equifax removed the negative information. I have file 3 disputes and it is still showing on my report. I eve called the Collections company and they advised me again that they notified all the credit bureaus. Equifax claims they never received that information. Even after I filed the disputes. I filed 2 disputes in XXXX and XXXX in XXXX and still no resolution. I have called Equifax numerous times and no one seems to know what's going on. I called on XX/XX/XXXX and I checked my Equifax repot and in less than 24 hours my score dropped 31 points. I advised the company that I had the receipt of the payment and that all they needed to do is contact the agency to verify payment. This is very frustration because I am doing all the leg work and all I get is " I'm very sorry ''.
Product: Credit reporting

I an writing in regards to my credit balance with XXXX XXXX XXXX. I currently have a maximum credit limit available to me of {$800.00}, which I have owed over {$790.00}. However, I have paid this credit card down to {$280.00} and this amount has not been reported on my credit report. Therefore, my credit card utilization is incorrect and reflects inaccurate information ... which has reduced my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Equifax has erroneously listed a hard inquiry from XXXX XXXX on my credit report. 
2. XXXX has confirmed a ) they have no record of this inquiry b ) they have no record of me requesting credit and c ) I am not a customer of XXXX. 
3. This is an Equifax error. I have disputed this with Equifax several times. I have explained that the error was Equifax 's, and Equifax has failed to remove this hard inquiry from my report.
Product: Debt collection

I have sent TRANSWORLD SYSTEM INC certified mail return receipt to validate the debt and they have not furnished anything nor do I know who they are. My credit report is saying that the this is a third party debt collector and this is FRAUD. Please remove this from my credit report indefinitely!
Product: Debt collection

Debt was paid via Check through my bank and cashed by Midland bank on XX/XX/2020. THe check cleared my bank on XX/XX/2020 In the amount of XXXX. Midland rep stated that they never cashed the check
Product: Mortgage

I have been in contact with my loan servicer almost weekly since XX/XX/XXXX till now to try to get them to respond to a request for information on my account from the state homeowners assistance program ( TX HAF ). I applied for homeowners assistance on XX/XX/XXXX and since then the program administrator has made multiple attempts to get the requested data from Amerihome mortgage in order to complete processing my request for assistance. Texas homeowners assistance program has stated on multiple occassions when I have called them to get an update on my case that Amerihome has been unreponsive and has failed to provide the V-lookup record as requested. I have called Amerihome mortgage on multiple occassions and the customer service agents always give the response that Amerihome mortgage has sent the requested data, but the state HAF program does not show that any such action has been taken. The HAF program has gone to the extent of escalating the case to managers on their side to try to get a resolution, but the loan servicer has continued to withhold the requested information. Consequently, my case with Texas Homeowner Assistance was denied on was denied on XX/XX/XXXX due to " Loan Servicer Not Responding ''. 

After the denial of my case I sent a written request to Amerihome mortgage on XX/XX/XXXX asking for documentation and proof that they had provided the requested information to the state homeowners assistance program. As per their agents and website, Amerihome would provide a response to my request for this documentation within 10 days, but to date I am yet to receive a response. When I call their customer service department I am simply told that they will document my account, but they can not provide information on when I should expect a response to my request. Amerihome mortgage seems to be knowingly and willfully withholding the information requested from the state homeowners assistance program even though they claim to work with HAF. I have not received any response for a phone call or email from the HAF department at Amerihome mortgage and am at risk of having my appeal denied again due to the non-response from Amerihome mortgage. 

This situation is causing immense stress and financial hardship to me and I am at risk of losing my home due to the loan servicer 's negligence. Despite multiple attempts to contact the loan servicer, they have not responded to the TX HAF 's inquiries.

I urge the Consumer Protection Financial Services Bureau to investigate this matter and hold the loan servicer accountable for their actions. My home and financial stability are at stake, and it is unacceptable for the loan servicer to ignore the TX HAF 's inquiries.
Product: Payday loan, title loan, or personal loan

My husband and I went to get a puppy to XXXX XXXXXXXX, we got pre approved through a lender called LENDING USA. They had stated I was approved for XXXX dollars loan upon checking and verifying my ID. Which they did. We chose the puppy, got attached to it the minute we saw her, they took our down payment and they denied us after taking the money, stating my XXXX was not valid because they needed me to be a citizen or a XXXX This act of discrimination is not ok
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed some inaccuracies with my report. Please remove all fraudulent accounts from my report. It is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I had XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ok, I didn't have insurance at the time, so I was unable to pay the bill and it was sold to Works and Lentz. I was never notified about it till I tried going to XXXX XXXX XXXX XXXX and was told by Works and Lentz I couldn't be seen by XXXX XXXX till the debt was paid, so I set up payment plans of {$75.00} a month starting in XX/XX/XXXX and have been paying on it since, which I have paid over {$10000.00} and I feel it's been well paid off. I was just wondering if there is anything i can do about it, I didn't make XXXX 's payment because I was told there might be something I could do to resolve this debt. I filed XXXX  in XXXX and I think I claimed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

like a year ago i asked and disputed my credit report / property damage report that Lexis Nexis supplies to insurance companies. they have information that goes back over 20 yrs i asked them to remove the NON chargeable accidents that are listed on their reports since Per NYS law i shouldn't be held accountable for a hit and run, and i was denied insurance due to this being on their report. As well as the numerous address and phone numbers that are over 7 yrs old. they stated they keep it on there but insurance companies only look in the past 3yrs. I told them i don't care its out dated in accurate and i want it removed i never got an updated report. so i requested a new report this year and again ALL this information is very old and out dated and the NON chargeable accidents are still listed. the report they sent me of my addresses are going back to when i was a teenager and phone numbers that i dont even recall. these things are not necessary and need to be removed from their records. I also want any and all property damages ( auto, homes etc ) that i might be reported on my CLUE  report removed as well anything that is over 7yrs past the statue and needs to be removed. this information is shared to insurance companies and is affecting my rates. I feel that Lexis Nexis is acting like a credit reporting agency but is not listed as a major one like XXXX  and they should be since this affect millions of people who are looking for auto/home policies because this is the insurance companies many source of information. An i find more and more people are unaware that Lexis Nexis is providing this information to them.
Product: Credit card

On XX/XX/XXXX, I was notified through Credit Karma that a hard inquiry was made on XXXX for a credit card from CB INDIGO bank. This is a bank. Ive never heard of. I have not applied for any credit cards or loans in at least six months possibly more I called the company. I didnt feel comfortable giving any of my personal information to them because Ive never heard of this company and I wasnt sure if they were real or not. They said they were part of another company called Concora, which Ive never heard of either and I never applied for anything with them either.
Product: Vehicle loan or lease

Vehicle has had issues since the we received the car, car and never gave option given the first issue regarding the steering they requested chance to have it repair while this ran up time with the return warranty, therefore once the vehicle was received back from manufacturer it wasnt able to be returned. Feels as if they set me up. They never offered to trade it for another car. Regarding last complaint this was offered. To trade in the vehicle. If there is a trade in option on the table They need to send proper paper work and start this process or have manager handle this issue professionally as the experience hasnt been the best. Company is lying, my requests were denied I have records of everything. The vehicle was never accepted to be returned even upon receiving it and issue being recognized while receiving the car. This is my last formal attempt, to mediate and get the issue resolved. Caravana is very negligent while resolving issue regarding their own personnel handling costumer issues. The car was never accepted to be returned again If you want the vehicle taken as a trade in send me paper work but the funds for vehicle must be covered close to what is was bought for and the next car will be heavily inspected. Just need this issue fixed this is not fair at all, given that we were proactive with everything and in time frame. We feel as if it might of been maybe issue with representative not handling the issue as it should of been at a professional level.