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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX  ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Mortgage

The XXXX XXXX Add that i have attached below is a major violation of deceptive advertising, and in addition to this a violation of Fair Housing Laws. The add clearly states if you use Keller Mortgage it is more affordable. They can not make that claim, and the mortgage I was offering a client that was given this add was more affordable than the mortgage they were offering. Also XXXX XXXX clients are being forced to sign a piece of paper that more or less says they are aware that if they use Keller Mortgage for financing they would save money, but they are choosing not to. This is a violation on so many levels. In addition to this, they only offer this incentive to homebuyers of homes in excess of {$150000.00} which creates a fair housing violation, as they are not offering the same incentive to low & Moderate income buyers. It very well may also create disparate impact to minorities because a large portion of minorities in my area fall into the low to moderate income category and thus may not qualify for a home over {$150000.00} due to their income. the add I have attached is just one example of the XXXX XXXX and Keller Mortgages 's blatant disregard to mortgage laws relating to Deceptive Advertising, and Fair Housing violations. From their current business practices i.e. only offering their incentives to people that can afford a home over 150k and the documents they are having their clients sign which are corrosive at best,, to the blatant deceptive advertising. It is shocking, and the worst i have seen since the sub prime days. Companies have paid billions in files for far less than what Keller Mortgage, and XXXX XXXX are up to right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from Bank of America which was not opened or used by me.
Product: Mortgage

On XX/XX/2021, we applied for a cash out refinance of our mortgage through our current lender, M & T Bank, via their website. By XX/XX/2021, we have heard nothing. I sent an email to the contact lender generated at the time of application. Her name is XXXX XXXX, XXXX XXXX. She immediately responded and stated that she would like to speak with us by phone. We set up a meeting for XX/XX/2021 at XXXX cst. She never called. She never emailed with an apology for missing the appointment. She's never given us any updates on the application. And, she's never provided us the required Loan Estimate. 
The reason for the complaint is because we have yet to receive a Loan Estimate. The application was completed and credit has been pulled on my spouse and myself by M & T XXXX. 
At this point, we've taken a hard hit on our credit report which really isn't going to affect our chances of refinancing with another company because of our credit score. But, waiting XXXX weeks for communication on an update or having to ask for the Loan Estimate that should have already been provided is simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is inaccurately reporting an outstanding XXXX debt in the amount of {$250.00} with a delinquency age of 3 years, 8 months. The actual Date of Delinquency should be approximately XX/XX/XXXX, which is when I canceled my service. 

I received a recent notification, called on XX/XX/XXXX and received the attached copy of a XXXX statement dated XX/XX/XXXX. 

I request that the account be removed from all of my credit bureau reports due to the negative impact that this has had on my credit, and because the actual Date of Delinquency does not appear to be known.
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. 

I have informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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 reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Mr Cooper home loan mortgage reported incorrect payment status on a mortgage that was closed XX/XX/year>. I have made several attempts to contact them to fix this situation and they will not reach out. File a dispute with XXXX and XXXX XXXX XXXX has provided false information I talk with their associate 30 days prior to closing, and they told me not to make the payment as it would be overpayment, now theyre reporting to credit bureau that I miss a payment / late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Debt collection

I have not given them written permission to put anything on my credit profile 15 USC 1681b2.

They have no permissible purpose by law to contact third parties with my private or personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX and Transunion has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.
Product: Money transfer, virtual currency, or money service

I tried to cash several checks over several months in several locations and they were denied. The decision to cash or not cash the checks was based on a company called Certegy Check Services , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. When I called the number ( s ) for  customer service, the response was that they could not tell me the reason for the denial other then that there is a program that determines the whether to deny or accept the cashing of the check and that they, the customer service rep., did n't have the information to share and if they did have the information to share, they would n't because someone might manipulate the system. If they can not, or will not, tell me why I 'm being denied, then they should at least tell me what I need to do to be allow to cash checks again. As it is, I wonder if I am being denied services for illegal reasons. They will not even cash my Federal tax return check. Is there a problem with the US government bouncing checks now?
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND EQUIFAX AND XXXX XXXX XXXXXXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX
Product: Debt collection

I received a letter on XX/XX/XXXX from Torres Credit Services Inc. stating that I owe {$25.00} to XXXX XXXX XXXX I left a voicemail for Torres Credit yesterday, XX/XX/XXXX, in the afternoon and received a call back this morning, XX/XX/XXXX, around XXXX PST. On the call, I requested an explanation of the {$25.00} I allegedly owe. The man on the phone told me that XXXX billed me a meter reading bill at the end of my time at my last apartment. However, when I call XXXX and tried to enter the account number that Torres Credit listed as my XXXX account number on their letter, XXXX phone support says its not a valid account number. When I log into my real XXXX account, it says I am all caught up on my bill payments ( Status : Finaled in green means I have no outstanding payments with XXXX ). Therefore, I believe Torres Credit Services Inc. is trying to fraudulently collect {$25.00} from me.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX XXXX XXXX sent a balance transfer payment to American Express but the Account number provided was incomplete. The payment then became missing after I contacted XXXX XXXX where they verified the payment was sent to American Express and rejected based on the BT document. I opened a dispute with American Express and sent the documents that provided the information they were requesting but closed the dispute after a few days asking for the same information that I had provided without attempting to inquire about the missing payment sent to them. I have been going back and forth between XXXX XXXX and American Express and no one is able to help me figure out how to find this electronic payment.
Product: Credit reporting or other personal consumer reports

DELETE PLEASE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

Certegy Payment Solutions , LLC XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is XXXX XXXX, and I reside at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

This company is trying to collect a debt I dont not owe this was a result of someone taking my information and putting it on a utility bill without my knowledge. XXXX must have sold the debt to national recovery agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} DPT TREASURY XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX - XX/XX/XXXX - {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, Nelnet XXXX XXXX XXXX XXXX XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter
Product: Debt collection

The account as per XXXX XXXX stated the account was opened in XX/XX/XXXX. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX
Product: Vehicle loan or lease

I requested that Santander reposse a red XXXX XXXX XXXX XXXX. They told the tow company to pick up our XXXXXXXX XXXX XXXX XXXX 
Santander recorded two seperate conversations between myself and my husband where we specified the vehicle multiple times on Monday XX/XX/XXXX. 

I have called and hoped to have the issue resolved. I will update this complaint if anything else happens.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the FRAUD ALERT FROM MY CREDIT REPORT. THE NUMBER ON MY CREDIT PROFILE IS NOT CORRECT XXXX THAT NUMBER IS NO LONG AVAILIABLE. PLEASE UPDATE MY NUMBER TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a settlement with Navient that I am repaying. I started this repayment in XX/XX/2018. Navient has cashed 2 of the 4 checks I have sent them. The account is still accruing interest, even though it is not supposed to because it is a settlement. They are now reporting delinquency to the credit bureaus, even though they have 2 checks I have sent them but they have not cashed them. I have attempted to contact them and no one knows how to put me in touch with the post default payment department. They have told me they will have someone get into touch with me and that has not happened.
Product: Credit reporting or other personal consumer reports

Account Number # XXXXJoint Installment Loan from XXXX XXXX XXXX XXXX XXXX XXXX. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

XXXXType of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts XXXXDates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

XXXXExplanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

XXXXThe creditor refuses to provide any more details or information about the closed installment loan # XXXX from XXXX XXXX XXXX XXXX XXXX I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

XXXXThey have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX So XXXX  said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of XXXX. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low 500 's, Now in the mid 600 '' s. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXX they are the WORST company to do business with.
Product: Debt collection

I have never opened an account with XXXX XXXX XXXX of XXXX, nor have I authorized any such transaction or account in my name. Therefore, I believe this account is fraudulent and may be the result of identity theft. 

I request a thorough investigation into this matter. Please review the account in question, verify its legitimacy, and remove it from my credit report if it can not be verified as a legitimate debt incurred by me. I also request that you provide me with the documentation that the creditor has on file for this account, as I have the right to see this information under the Fair Credit Reporting Act. 

For your reference, I have enclosed copies of my identification ( including my driver 's license and social security card ) to verify my identity. I am also willing to provide a police report or any additional documentation if required to support my claim of fraud. 

Please understand that this fraudulent account is affecting my credit score negatively and may impact my ability to obtain credit in the future. Therefore, I kindly request prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to resolve disputes within 30 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response confirming the removal of this fraudulent account from my credit report. Please send all correspondence to the address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Subject : Request for Issuance of Form 1099-C and Removal of Account from Consumer Credit File Account Number : XXXX Dear TransUnion, I am writing regarding the above-referenced account that was charged off and closed by your institution. The information reported to the consumer reporting agencies indicates that the account was charged off with an unpaid balance of {$22000.00} as of XX/XX/XXXX. 

Pursuant to the requirements of the Internal Revenue Code ( IRC ) Section 6050P, creditors are required to issue Form 1099-C for cancellation of debt when the debt meets specific criteria, including being discharged, settled for less than the amount owed, or considered uncollectible. I am formally requesting that you review the status of this account and confirm whether it qualifies for debt cancellation. If applicable, please issue a Form 1099-C for the canceled portion of this debt. 

Additionally, in accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this account from my consumer credit file upon verification of debt cancellation. As this debt is no longer collectible or reportable, continued reporting may constitute inaccurate information under FCRA Section 623.

To ensure clarity and compliance with applicable laws, I kindly request the following : 1. A written confirmation of whether Form 1099-C has been issued or will be issued for the account.

2. Removal of this account from my consumer credit file with all applicable consumer reporting agencies. 
XXXX. Documentation showing the resolution of this account, including any applicable codes or references under federal laws. 

Please respond to this request within 30 days of receipt, as required by federal regulations. If further information is needed, you may contact me directly at XXXX Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent XXXX $ in XXXX to the service Bitquick.co Their buyer uploaded a non existent and invalid XXXX  receipt. They are not returning my XXXX.