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

I am in the process of trying to secure a home mortgage, and due to an internal block, Equifax is refusing to release my credit report to my lender and thus preventing me from getting a mortgage. I might lose my house because of this. 

I received word from my lender on XX/XX/year> that they were unable to receive the report from Equifax. I called Equifaxs customer service line and was told that there was an internal block and the only way to remove it was to mail them a hard copy of my social security card, drivers license, birth certificate, most recent pay stub, a bank statement, and a utility bill. I sent everything to their specified XXXX XXXX XXXX XX/XX/year> and it was delivered on XX/XX/year>. 

I spoke to a customer service supervisor at Equifax on XXXX, XX/XX/XXXX and XXXX, XX/XX/year> to check on the progress. 

On XX/XX/year>, the supervisor said that while my bank statement and social security card had been scanned into their system correctly, my drivers license and birth certificate were blank, and the only option I had was to resend everything again, wait another 5 business days to process and hope that my documents were scanned correctly this time. But that until the scans were in their system, they refused to lift the internal block that is preventing me from getting a home mortgage. 

I resent every document again on XX/XX/year>. I need them to lift whatever block they have in their system. Please help me!
Product: Debt collection

I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not reporting any of my payments made on accounts. None of my 25 accounts are showing on the report. This is causing my equifax score to be 200 points lower than my transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and on XX/XX/XXXX XXXX made a hard inquiries without my knowledge of and any express consent from me the account Holder known as Holder In Due Process. These inquiries are unauthorized and considered as fraud, I have notified both Equifax who fail to conduct a proper investigation and failed to provide me with a full disclosure of both the investigation and proof of accuracy of the information and XXXX who claim that they do not have or could not locate my information in their database. This has been an on going battle that should not occur in any circumstances as I the Holder In Due Process do not authorized or consent to contract with either of those companies.
Product: Debt collection

I tried making payments and I was repeatedly getting very aggressive phone calls from the collections agency. They were calling me about XXXX  times a day, after I had discussed I was able to make XXXX dollar payments and tried to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite a written request to Experian that they are reporting inaccurte information on my credit file, Experian refuses to do a complete and accurate investigation. My last dispute to Experian was sent onXX/XX/XXXX. Experian received my dispute by certifed mail on XX/XX/XXXX. Experian has not sent me back a response within 30 days after receiving my dispute. Experian is reporting a Chapter XXXX bankruptcy in my credit files. I have never filed bankruptcy.
Product: Checking or savings account

received a letter from chase that they are closing my business checking and saving account because of unexpected activity! they do not provide any information what are these " unexpected activities '' their decision is causing me big loss of money and time, I have many unused checked I paid for them! how is responsible for these loss? 

If they are closing my account I am entitled to know what did I do wrong exactly! is it dictatorship in this country that they just can say it is what it is, with out providing information? 

I am 100 % that I did not do any " unexpected activities '' and it is a big misunderstanding and if they provide more info there must be an explanation that will fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong balance reported on my TransUnion and XXXX  credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached
Product: Mortgage

In XXXX of XXXX my mortgage was sold by XXXX XXXX to Mr Cooper. Mr Cooper failed to renew my flood insurance policy with with XXXX XXXX that was escrowed for 2 years with XXXX XXXX. The claim was they didn't know it was escrowed. So they put a lender placed policy. The problem is that I was placed in a flood zone 3 years ago so I immediately got a policy through a FEMA plan that got me a discounted rate. So thanks to Mr. Cooper I lost that plan and have to pay almost {$200.00} more a year for my policy. When my mortgage was sold the information on the policy and what was being escrowed went with it. I am paying substantially extra for that purpose. There was {$550.00} extra in my escrow ... just sitting there. Because Mr Cooper caused my policy to lapse and paid for a higher cost policy it left my escrow in the negative, causing me more expense. 

Mr Cooper then sold my mortgage in XXXX of XXXX to XXXX XXXX. When they did an escrow analysis they added an additional {$80.00} to my monthly payment. I have spent the last 5 weeks working to identify why. XXXX XXXX  couldn't do anything and Mr. Cooper wouldn't contact Freedom Mortgage, XXXX XXXX  wouldn't contact Mr. Cooper. No one could tell me why my XXXX XXXX flood policy lapsed. I had to track down the issue myself. 

Mr. Cooper was obligated to pay for the policy since they had the declaration page ( they admitted they had it ) and the escrowed funds. They claimed they sent me 2 letters asking for proof of coverage. But they also admitted they never once attempted a phone call or email. I never received any letters. But they had the information and the funds. They were obligated to pay. I had never had to worry about it with XXXX XXXX that is why I escrowed it. 

Now it has been sold and Mr. Cooper doesn't think it's their issue anymore. I have an FHA mortgage. My insurance went from {$550.00} a year to {$740.00} a year and that's with a massively reduced coverage. It would have been another {$200.00} a month with the same coverage for a total of {$400.00} extra per month. I believe this is gross negligence. Surely there is something that can be done, some way to recoup some of this added expense.
Product: Debt collection

XXXX Account # XXXX XXXX XX/XX/2023 Balance : {$7600.00} I called the company XXXX credit card many times and trying to be help with my interest, I always paid on time but for health problem I wasn't available to pay the mnimo amount.when I called they say they not available to helping me with a payment arrangement and say Not.I was calling many time and trying to speak with differents customer services and say the same thing .we don't have any plan payment for you right now.trying to explain my wife was diagnostic with XXXX XXXX, Never wants to lissing.
Product: Debt collection

EMAIL : XXXX MAIL : Healthcare Receivables Group, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX PHONE:XXXX ( toll-free ) or XXXX ( local ) HRG never ever reported ANY of the payments I made on my collection account which opened up well over 12 months! 
In addition, HRG illegally refreshed and reported the remaining balance of approx {$160.00} to my credit report on XX/XX/XXXX, which I paid off on XX/XX/XXXX ( approx {$170.00} ). The original account balance which opened up on my credit report approx 15 months ago, was unchanged from the {$1000.00}, which gave the deceitful appearance I never paid down my account monthly. 

You are in violation of illegal, inaccurate and willful neglect to accurately reflect the payments I made on this collection account over more than 12 months since the account opened, and you intentionally and in violation of Unfair, deceptive and abusive acts or practices ( UDAAP ) under the CFPB deceptively and unfairly refreshed and re-reported the debt on XX/XX/XXXX after having never reporting monthly updates to payments made on my account. This deceptive and willful unfair act caused harm and reduced my credit score over 58 points via XXXX. 

HRG needs to remove this inaccurate reporting on XX/XX/XXXX given these factors above. 
I am also going to start a complaint with the CFPB for your violation of FDCPA and UDAAP.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or other personal consumer reports

I was reviewing my credit profile and noticed inquiries that are not mine on there
Product: Consumer Loan

I leased a vehicle XXXX XXXX and my salesman took my down payment telling me I would n't have my first payment until XXXX since I was buying at the end of the month. I had got nothing in the mail during that time until the beginning of XXXX which is when I made my first payment. ( XXXX/XXXX/2015 ) If you look at my payment history is consistent and never late ... so I thought. My sales guy even worked that into the negotiations of leasing the truck. I thought to myself well I can save that payment and double up on the next one. I monitor my credit closely and started seeing late payments on there so I called today to find out I have been late cause my first payment was XX/XX/XXXX. Being this was an oversight by their sales team and I 've been consistently paying I thought they 'd consider removing these but they were rude and did n't. Please help
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate Under 15 U.S Code 1681e ( b ) accuracy of report. When ever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please removed the following items from my credit report, immediately : Inquiries XXXX XXXX XXXX XXXX  This inquiry was not authorized, please remove it from my credit report immediately XXXX. XXXX - This inquiry was not authorized, please remove it from my credit report immediately XXXX. XXXX - This inquiry was not authorized, please remove it from my credit report immediately XXXX. XXXX - This inquiry was not authorized, please remove it from my credit report immediately XXXX. XXXX - This inquiry was not authorized, please remove it from my credit report immediately
Product: Debt collection

Hunter Warfield collections company keeps calling me repeatedly from different numbers in attempt to collect about {$200.00} for an apartment application that I never submitted. I've told the representative that the apartment complex XXXX XXXXXXXX in XXXX, TX lied and sent my file to collections falsely because how does someone submit an application without a payment going through? I have bank statement from XX/XX/2021 that shows I paid {$440.00} for the application, security deposit, and administration fee, so there is no reason for me to owe anyone {$200.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts do not belong to me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are a result of identity theft. 
Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} date:XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} date:XXXX 5 ) XXXX  {$6500.00} dateXXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

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 and XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I had a XXXX  XXXX on a XXXX lease, but after an accident at the XXXX mark, the car was totaled, and the lease was paid off through my insurance company. I was able lease a new vehicle immediately after the accident and was told everything was in good standing. After I signed a new vehicle lease I recevied a past due balance {$1200.00} on my credit report significantly impacting my life by hindering my ability to obtain loans, rent apartments, get certain jobs, and even access utilities, as lenders and landlords. Genesis Financial stated the tires were not Genesis factory tires. The vehicle was paid in full and the tires were all original to the vehicle. They have made no effort to show me proof or willingness to correct the error.
Product: Credit reporting or other personal consumer reports

-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
-Status updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last XXXX years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Settlement demand has been sent to the registered agent of Transunion as of XX/XX/2022, it's valid for only 15 days of notice before a civil lawsuit is filed with the Superior Court of New Jersey.
Product: Debt collection

XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account on XX/XX/2020 for {$200.00}. I received a letter stating that my balance is now {$0.00} from the corporate office as requested on XX/XX/XXXX, and that they would inform XXXX, XXXX  and XXXX  within thirty ( 30 ). As of today, they are still incorrectly reporting a balance of {$210.00} on my XXXX  and XXXX  credit report. I have contacted the corporate office asking that they report the account with a XXXX  balance, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX