23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received alerts from my credit report. Just as well as an email from XXXX XXXX stating I changed my email on file but I didnt.And when I checked my report someone unauthorized had tried apply from 3 different places credit. I called immediately to all 3 bureaus and reported problem and immediately to place a freeze on my credit report. And I now check my reports on regular only to find out these 3 unauthorized inquiries are still on my TransUnion report. 1.XXXX which listed as credit card but the number provided ( XXXX ) XXXX when called later stated its a debt collector. 2. XXXX ( XXXX ) XXXX placed and advised to enter social once more this recording stating they are a debt collector. 3. XXXX XXXX ( XXXX ) XXXX this number as well states same thing. On today again I called twice to TransUnion and spoke with 2 agents one provided wrong information to report to identity theft.gov and the other agent XXXX gave me ftc.gov to report. I take this matter seriously and I cant seem to get this resolved please help me by removing these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

Experian makes it difficult to freeze credit reporting by making the request process unnecessarily complex and difficult to find. They also use similar terminology ( credit lock ) in an apparent effort to sell a product instead of easily providing this free service. XXXX XXXX XXXX make credit freezes simple and easy to find when initially logging in.
Product: Credit reporting or other personal consumer reports

[ Amended complaint ] On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that XXXX piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by Equifax, XXXX, and XXXX, XXXX failing to review all relevant information provided by Equifax, XXXX, and XXXX, XXXX respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXX 's assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, Equifax, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) referencing 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

Please see the dates in the attachments where I have been trying to work with this creditor and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit statement after credit statement as some kind of proof the account was active, however, those purchases were never done by myself. Discover Credit Card Services keep denying my claim even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.
Product: Mortgage

As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay. 
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly. 
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted. 
I started the paperwork for a loan modification as the agents advised me they would be willing to help me. 
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months. 
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}??? 
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Fidelity Direct inquired about my credit with out authorization. <P/>I need this inquiry removed from all three credit agency reporting systems. <P/>Again, this inquiry was not authorized. I also, want a letter of deletion sent to me for my future records. <P/>Fidelity Direct Mortgage via XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Permissible Purpose : Credit Transaction Requested on : XX/XX/2017
Product: Vehicle loan or lease

Please also send complaint to Mercedes-Benz XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX. 

I visited Mercedes-Benz XXXX XXXX location to make a Consumer Credit Transaction to extend my credit to them according to 15 U.S.C. 1605 Determination of Finance Charge. I asked were they in Truth in Lending Isa said yes, I then asked is there a finance charge he said yes. After completing the application, I was denied credit and I understand the factor but it's not a deciding factor. They gave me false and misleading information because they can't deny me an extension of my own credit according to 15 U.S.C. 1605. I spoke with the GM XXXX XXXX who was not familiar with the law with courtesy I explained it to him. He got upset because he did not want to agree with Mercedes-Benz Financial Services USA LLC who does the funding when they stated over the phone when I called them because XXXX told me the dealership doesn't approve or deny applications and according to MBFS USA LLC they stated they did. I have everything recorded of them of MBFS LLC stating they are to honor the law under Truth in Lending Act ( TILA ) and that I was correct GM XXXX stated MBFS USA LLC was lying, and they didn't know what they were talking about. I asked who is telling the truth MBFS USA LLC explained the entire process with GM XXXX listening, and he still denied following the law after being told to by the finance department. After the call I asked to speak with the finance manager XXXX XXXX later found out who he was after XXXX told me XXXX who sits next to XXXX XXXX that he was the director of finance in charge and gave me push back as well. When I proceeded to talk to XXXX, he was very un-professional and NOT a good representation of Mercedes Benz at all stating he didn't care if I filed a complaint as he stated. I then turned to XXXX XXXX and stated that he knew what I was referring to when I was talking with XXXX XXXX who stated they honored the law under TILA which is why XXXX XXXX made XXXX go and asked me to sit in the lobby XXXX stated he didn't care and that he wasn't selling me a car and to go. This experience has forever put a dent in Mercedes Benz reputation for me. My family is an honest loooooooooong time buyer of Mercedes, and this was not anything I have ever experienced in car buying. I remained humbled wasn't disrespectful even after the unfair treatment review your cameras. I have everything recorded and I told XXXX that he did not care. Some way to bring in a gift for your Birthday. 

In Conclusion, I'm submitting this complaint for a more comprehensive review. According to the Law I would like the credit decision to be reconsidered/honored and my credit be extended to your company for a more unbiased transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( Equifax, XXXX and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX XXXX to XXXX, Equifax and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from Equifax stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public Information.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation.

Sincerely.
Product: Credit reporting

XX/XX/XXXX the Internal Revenue Service filed another a lien against my personal estate, XXXX # XXXX in the XXXX XXXX register of deeds office. The lien was satisfied XX/XX/XXXX. TransUnion credit reporting agency says they will not delete this account until XX/XX/XXXX.Transunion feel it should stay on my report until then because it was not satisfied until XX/XX/XXXX and they are acting on the date it was satisfied and not on the original filing date of the lien. The date of deletion for this file should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit card or prepaid card

Good afternoon Sir or Ma'am, I am an XXXX  serviceman who deployed from XXXX to XXXX ( see attached deployment letter ). During this period, we did not have internet access due to the nature of our job requirements at the time. 
I understand that a payment wasn't made on a timely manner for the month of XX/XX/2020. Aware of this situation I called Discover customer service as soon as I had an opportunity, and explained the situation which they were extremely helpful. However, there is a late payment for that event affecting my credit. 
Respectfully request to reverse this negative report on my credit. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XX/XX/XXXX {$6500.00} fraudulent, inaccurate, and false information in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This complaint is a followup to the previous XXXX complaints. The issue has not been resolved. Fay Servicing is charging my escrow account XXXX  times for my insurance instead of XXXX time. When I call I get bounced around then someone tells me it will get fixed in XXXX days. When I call back there is no record of anything and I start completely over explaining the issue. On XX/XX/XXXX I called and request escrow analysis for payment update in XXXX. I was told it would be ready XX/XX/XXXX. They completed the escrow analysis but nothing changed. They were still charging me XXXX times. I was told I need to be transferred to the insurance department. I was disconnected in the process. XX/XX/XXXX I called the insurance department and was told I needed to be transferred to customer service to request the analysis. The Escrow Rep and the Customer service rep both agreed that I should only be charged XXXX time for the policy {$5100.00}. They both agreed and said another analysis would be updated. On XX/XX/XXXX I called back and the customer service rep said the request had not been submitted and I had to explain everything all over to him and had to get transferred to insurance department and back again. I was told it would be ready XX/XX/XXXX. I called XX/XX/XXXX and nothing was done and had to start over again transferred XXXX  times on the phone over XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 2. IXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXXXXXX, XXXX, and XXXX XXXX XXXX XXXX is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents from the CFPB portal for REMOVAL OF ACCOUNT # XXXX off XXXX Which is XXXX XXXX XXXX XXXX 

The investigation was complete and contacted the " XXXX XXXX ''. The account was removed. Therefore, what type of investigation did TransUnion conducted that is different the XXXX and XXXX??? As this is account is REMOVED from those 2 CRA 's  and TransUnion is the only CRA 's coming up with verified information, which makes no sense at all! 

Please Reference Report CFPB # XXXX, which states this account has been removed. ( XXXX Response XXXX Then Reference Report CFPB # XXXX, which states the information is accurate and verified. XXXX TransUnion Response ) My scores in the XXXX 's on XXXX and XXXX  but TransUnion is XXXX. Why??
Product: Credit reporting or other personal consumer reports

XXXX XXXX was pay for delete. Discover was pay for delete. XXXX XXXX XXXX account information is not correct. There are things hurting my credit and report.
Product: Debt collection

i was garnished starting XXXX XXXX XXXX and i didnt receive notice of this until after i was already being garnished. they have been taking more than the allowable percentage from my pay checks. i went on short term XXXX from XX/XX/XXXX until XX/XX/XXXX and was still being garnished the maximum amount. upon my return to work i was and am currently still being garnished. while i was on short term XXXX i wasnt receiving an income because my illness has not yet been resolved. i was forced to return back to work because i was not getting paid, and still my illness has not yet been resolved
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.