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

I was in the middle of refinancing my home and waiting for XXXX taxes to hand over paperwork when I discovered that XX/XX/XXXX when my mortgage changed who was handling our billing process stopped reporting to any of the credit bureaus. Not XXXX payment has been late. All payments processed monthly. The credit reports show my mortgage was paid off and closed due to the forced change to who handles the billing process in XX/XX/XXXX. That was reason company said the change was happening for. From XX/XX/XXXX to current no data is reporting even though I still have a mortgage with them but they changed from XXXX XXXX to Mid America Mortgage Inc. They are required by law to report this information. My credit score decreased by over 100 pts due to this and now I am unable to refinance. The change to refinance was saving me {$500.00} a month. That is a huge necessary change I needed to do to help offset my business expenses to keep us floating while we are dealing with Corona Virus and financial strain. Not to mention having my score lower decreases other loan changes I may need to do. I have contacted the company 5 times and asked for a supervisor. Every time told they would escalate it but I have never received any response. I get that less people are working but this has been since XXXX. My doors to my office are closed but I am still required to work by XXXX  just like the mortgage company is doing. There is no excuse that I am not getting a response. Not only do they need to correct this on all credit bureaus but I want to know how they fix that score that took a huge drop due to their paperwork mistake. The loan is under my name as primary and my mothers name as secondary. Both names need to report on our credit just like the loan has in the past with them.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report to see how my credit was doing, I noticed that I've been a victim of Identity theft and found numerous credit inquiries that I have no knowledge of with all 3 known credit bureaus.

The list is as followed.

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE remove these fraudulent inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Mortgage

Hello, I paid off my mortgage {$220000.00} on XXXX. 
KeyBank released all remaining escrow balance after 30 days.

However, KeyBank didn't release lien after paid off XXXX. 
They just keep delaying over 60 days. 

KeyBank 's contact info is as follows, Loan number : XXXX KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contact person : XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX
Product: Mortgage

So, they are denying my the loan because their system can't verify my credit through XXXX due to a fraud alert on my account. Per XXXX they claim the bank should be able to verify, but they refused and will no longer work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way
Product: Checking or savings account

I deposited a tax refund check from the federal government ( IRS ) into a Bank of America estate checking account yesterday, XX/XX/23. I was told the funds would be available today, the next business day. This was also the information that was shown in the mobile app. I check the account this morning and found that the bank had put a 10 day hold on the check. I called the bank and was told the bank was trying to verify the funds. I explained to the customer service that the check is a tax refund check drawn on the Federal Reserve Bank and that the funds are supposed to be made available the next business day. Bank of America will not remove the 10 day hold. I also requested an image of the check and was told that the image was unavailable.
Product: Credit reporting or other personal consumer reports

Im really upset to see unauthorized inquiries on my credit report this evening, and I dont understand how this happened. When I did my usual check, I was surprised by discrepancies that seemed to appear out of nowhere. I tried refreshing my browser in case it was just a technical issue, but the unauthorized inquiries persisted. Due to this, Im asking that the documents Ive provided be carefully reviewed so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} EQUIFAX : XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX COMMISSION ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have notified Experian numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Experian on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
Product: Debt collection

Credit Reported Date : XX/XX/2022 Company : XXXX Amount {$340.00} Date : XX/XX/2022 Collection agency Name : Sunrise Credit Service Sunrise Credit Service reported to my account that I have unpaid balance that they took over in collection that doesnt belong to me. I never even had that cable company in my name and its been reported as identity theft.
Product: Debt collection

I was victim of an identity theft from my fathers daughters. He opens an account with XXXX with XXXXXXXX XXXX XXXX, the actual creditor is Portfolio Recovery Associates , LLC with a balance of {$2000.00}, this account was opened on XX/XX/XXXX. I left XXXX on XXXX of XXXX and I returned on XX/XX/XXXX. I was not aware of this matter since I was not here with my oldest daughter very sick, she has a XXXX XXXXXXXX and her health was very compromised at that time. 
Sincerely, my best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three hard calls inquiries on my credit report that needs to be removed and I called transunion and other credit Beaures to take this hard inquiries out and siting congress passed law FCRA law that protects individual privacy and rights. But was told to call the organization that requested for my credit check and ask for letter of remover, however no one is helping. Please kindly help me to resolve this issue with transunion and other credit Beaures. The two organization that enquired into my credit report are XXXX XXXX [ XXXX XXXX ] on XX/XX/2023 and XXXX XXXXXXXX XXXX on XX/XX/2023.
Product: Debt collection

I was with Freedom Debt Relief and they were supposedly negotiating with my three creditors.

They took way too long in the negotiation process, and I should have just forgot about it and handled it on my own.

I do feel due to their tactics they helped me ruin my credit rating which I'm still to this day trying to salvage.

They supposedly negotiated with my creditors, but then in 2022 I unexpectedly received XXXX XXXX forms that I had to let the IRS know I had over XXXX in additional income from those forms causing me to have to refund half of my tax refund check back to the IRS due to those amounts the creditors had given me. 
So needless to say, I felt duped because I thought they had taken care of that for me. 
But they had no problem with giving me a loan to consolidate those balances into a nice XXXX plus in interest just like the banks were doing. So I should have stayed with the banks in the first place despite their compounding interest. 
So I'm not happy with Freedom Debt Relief and wanted this agency to know it.

My present payments are being made to Achieve now. So not sure if Freedom Debt Relief sold them the loan or what.

I am presently looking for someone else to pick up this loan at a reduced rate so I can finally get this paid off.

So I would never recommend this company to anyone and anyone I meet that's thinking about doing this I always tell them my story and ask them to really consider having their credit history wrecked and being told lies about how the process really works. 
So it just makes me feel good to mention this to you because you should be aware of what kinds of debt relief companies are out there luring us unsuspecting consumers into their services. 
I so wish that the company I would have found would have been more heavily and federally regulated so that I would not have fallen prey to these kind of tactics and told they were the norm or the standard.
Product: Checking or savings account

On multiple times keybank has charged us overdrafts that arent valid. 4x a week at XXXX I want this investigated.
Product: Debt collection

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2022, on my Macys card, I purchased a mens perfume for {$120.00}, plus {$10.00} destination shipping for a total cost of {$130.00}. I was emailed a order confirmation and tracking information. Tracking the package, I noticed that on XX/XX/2022 a mailing label was created but no other details. When the package was not received on the promised delivery date of XX/XX/2022, I called Macys to report the package was not received and pointed out lack of tracking details on the order status. I was told I needed to wait until XX/XX/2022 to file a report but customer service representative agreed about the lack of tracking details and said she will be it to the attention of someone. 
On XX/XX/2022, I received another confirmation of purchase of the same item and it was received by the party around the XX/XX/2022. I called Macys on XX/XX/2022, the bill closing period and was told I will have to pay late fees and my credit will be affected while the representatives laughed. When I went to the stores to attempt to resolve the matter, I was told to call the same customer service number. The total is now over {$400.00} and my XXXX XXXX is destroyed. 
I would like to resolve this issue, pay Macys the {$130.00} for the items purchased and have the negatives on my credit removed. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ) intends to use the information for employment purposes ; or
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice, I have mailed letters requesting inaccurate information be removed from my file in Transunion 's office. I sent my requests with proof of ID and verified my SSN, my address, the current date, as well as clearly stated my request, my objective, my ID, and anything else. Twice, Transunion mailed generic notices back acknowledging that " someone '' tried to access my file but since they couldn't verify my identity they won't do anything. These notices do not say what I could have done differently to get my request processed. I sent a copy of my driver 's license both times. When I call them, I am unable to speak to any live representatives and the automated system have no helpful options for me. I have since suffered adverse action directly related to Transunion 's holding inaccurate personal and financial info, and my inability to fix it with. I was denied renting a house because the managing office uses Transunion. The second time I mailed my request to them I verified that it was me trying to request removal of bad info from my file in their office, and again they mailed a generic response that they can't verify my identity, even though I mailed a copy of my driver 's license. This is beyond frustrating, stressful, and it causes my XXXX  to go through the roof!! I need help because I can't get through to anyone at Transunion and they are wasting my time through the mail system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX  XXXX XXXX for this XXXX fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened XXXX  times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX  continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I paid off a collection in full to XXXX XXXX XXXX acct # XXXX and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XXXX/XXXX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XXXX/XXXX/XXXX. I have proof of both removals. I was not notified in writing within XXXX days of placing this debt back on my credit report. This is a violation of FCRA. As of XXXX XXXX, XXXX I pulled my XXXX, Transunion credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XXXX XXXX and that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from XXXX  stating this information has been verified and Transunion just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back in XXXX XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.