23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company, Nationstar Mortgage, is setup to direct bill/pay my insurance through my escrow account. For many years this has been happening without issue. Apparently in 2015 as of XXXX my insurance was canceled due to none payment. The insurance company issued Nationstar a cancellation letter indicating payment must be received by XXXX XXXX to avoid cancellation. Instead Nationstar submitted payment on XXXX XXXX. The insurance company returned the check to Nationstar on XXXX XXXX and Nationstar did not mail the check to me until XXXX XXXX. I called Nationstar today to find out why they mailed me this check, they said they had no idea, asked if there was a claim or an incident. I said no, then continued to say they have no idea and suggested I deposit it and return the money to my escrow account just in case. I then called the insurance company myself and discovered Nationstar paid late and therefore my policy was canceled. The insurance company had an old mailing address so they did not notify me, however Nationstar has my current information and they not only did not notify me, but they are unaware that my insurance was canceled 5 months ago. My insurance lapsed in XXXX and my mortgage company still has no idea in XXXX. I am actively pursuing a new policy now but I do not want to be responsible for the high cost of Lender placed insurance because Nationstar messed up, again. This is my second complaint with the CFPB and I can not emphasize enough how discouraged I am with Nationstar as my mortgage company, and I am often greatly dissatisfied with my service and customer support.
Product: Credit reporting or other personal consumer reports

After looking at my credit report I saw inquiries that not are mine
Product: Credit reporting or other personal consumer reports

There are 3 credit cards in my credit report that looks like were open years ago and is affecting my credit. I have a police report when i found out my identity was stollen. These credit cards are : Bank : XXXX XXXX  : XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( They told me that there was another company that handles this account in my name. This is the information ) : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ( It seem that this one was opened and never used but, for some reason is in my credit like it was never payed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Services Inc XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past two years I have made several attempts to remind Equifax of their duty pursuant 15 USC 1681. It appears that they're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1682i ( A.5 ) says that after reinvestigations, all of the unverified information must promptly be removed. 

Based on previous disputes I've filed with Equifax regarding these accounts ( XXXX ), Equifax failed to thoroughly investigate these accounts as well as not sending substantial proof of validation after their independent investigation. 

The following accounts we're not properly investigated and needs to be removed according to 15 USC 1681i. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX This revolving account being reported by Equifax is inaccurate and is being unfairly listed multiple times on my consumer report : XXXX. XXXX XXXX XXXX XXXX Remove this account for inaccuracy immediately. This account is listed twice on my consumer report causing damage to my financial future. 

XXXX. XXXX XXXX XXXX XXXX remove this account due to being unverifiable and inaccurately reported. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax failed to provide proof of delinquency following a improper investigation for this late payment reported by : XXXX XXXX XXXX Update this account to pays as agrees. Balance owed is being reported inaccurately which proves Equifax didn't complete a proper investigation of this account.
Product: Debt collection

On XXXX/XXXX/2016 I noticed that there was a collection of debt posted on my credit report ( XXXX ) reported by American Medical Collection Agency,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX as on XXXX. I did not receive any kind of notice for this debt collection agency.Upon calling the collection agency at XXXX and checking about this, they agreed and confirmed that they had a bad address on file and the status of the notice sent was " undeliveable/not delivered ''. Since this was a mistake on the agency side I requested them to report removal of this collection debt to the credit bureaus, which they initially disagreed to do so. Meanwhile I had applied for an Auto loan/lease on XXXX/XXXX/XXXX which did n't get approved initially as I didnt have the Credit score that are they looking for. I had to provide additional documentation references etc to support the credit application but still my rate of interest went up. I could n't get the price that was initially agreed upon just because of my credit score which was affected badly by the reporting of American Medical Collection Agency. After repeated calls and I informed them that I will initiate a legal action for no-notice and reporting by which creating negative impacts on my credit score and history. Then they agreed and accepted to remove it so that they dont face a legal action. On XXXX/XXXX/2016 they agreed to me to provide a documentation stating the reason for the removal of this debt collection from my credit report, which is being denied now. Because of all these troubles, confusions and issues, I got hit XXXX points on my credit report XXXX XXXX to XXXX XXXX which caused a loss of more than {$1000.00} in the pricing of the deal, additional documentation, time and immense XXXX. So I request the Consumer Financial Protection Bureau to take action against this agency and direct them to provide the information and documentation i.e reason for removal of debt collection which I requested as I stated earlier. Also direct them to compensate my loss appropriately which was caused by their mistake of no-notice and having a bad address. Also I have attached the copy of Credit report stating the removal of the Debt Collection record by American Medical Collection Agency
Product: Credit card

My AMEX account username is XXXX, with an XXXX  ending in XXXX. In XXXX, I applied for a Platinum Card from American Express, which had a welcome bonus offer of XXXX Membership Rewards points. I did not notice any disclaimer on the application webpage indicating that I was ineligible for the welcome bonus offer. After spending {$8000.00}, the welcome bonus points were not credited to my account. I received conflicting information from customer service representatives ; one mentioned that my offer was declined because I had opened two cards this year, while another cited a misuse history, despite my record of timely payments. The cards I previously opened, the Hilton XXXX and XXXX XXXX, are distinct from the Platinum Card, and I am not aware of any rule stating that opening two credit cards in one year disqualifies me from receiving a third welcome bonus offer.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request for XXXX, Transunion and XXXX credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that someone unknown to me opened a credit card acct with XXXX XXXX XXXX. They used my name and address of my business office, which I had vacated 2 years earlier due to retirement. 
I filed a credit fraud form with XXXX XXXX XXXX. They claimed that they checked and that this account was not fraudulent because they had a name and address on the account, which is not mine.The XXXX, but not XXXX  and XXXX, listed this fraudulent name and address as : XXXX XXXX, DOB XX/XX/XXXX and as the authorized user on this account. It further lists his address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. They claim that this account was opened XX/XX/XXXX, via the Internet at IP address XXXX, referencing e-mail, XXXX. 
The account was activated on XX/XX/XXXX from phone number XXXX. 

While my name is used with the last 4 digits of my SS number and my home phone and my old address XXXX XXXX XXXX XXXX, none of this is me and all of this info could have been easily found on line. 

I filed a police report and spoke with XXXX XXXX on the phone and by e-mail to no avail. 

XXXX XXXX sent a list of charges to this account : XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX in XXXX XXXX , FL XX/XX/XXXX {$2300.00} XXXX XXXX XXXX Acct. Balance. 

None of these charges are mine. I have never been to XXXX, FL and do not use XXXX, or XXXX XXXX or XXXX XXXX or the XXXX in XXXX, FL.
Product: Credit card or prepaid card

I believe I was discriminated against based on national origin, in violation of the " federal equal credit opportunity act violation '', by Synchrony bank when requesting an credit limit increase on my amazon store card. They refused to increase the limit past {$450.00}, and the reason they gave in their letter is " Insufficient experience at your current credit limit '', which doesn't make sense as I've had plenty of experience ( had the card for 3 years almost ), and all my other credit cards from other issuers have credit limits in the thousands. I've never had a late payment in any of my credit cards. My credit score is very good ( XXXX ), and my annual income is over {$150000.00} before taxes. A {$450.00} limit makes no sense and I believe it is because when I first came to the US for work, I had no credit score and the amazon store card was a secured card with a {$100.00} limit. There's some weird legacy in their system that I think does not allow them to give higher limits to people that started off with a {$100.00} limit, but I believe that is disciminatory towards people from other nations who come to the US without a credit score.
Product: Credit card or prepaid card

I have spoken to the company several times in regards to incorrect late payment information that has been reported, I have also sent in my report that they requested showing the incorrect information and nothing has been done, I would like late payments to be removed due to inaccurate information.
Product: Credit card or prepaid card

PayPal Credit not only opened an account in my name without my permission, but transferred the balance of a fraudulent account to that account. I received a statement today dated XX/XX/19 with a new balance of {$13000.00}. The new balance was due to a transfer on XX/XX/19 from the aforementioned fraudulent account that I have absolutely no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Auto reported me late for XX/XX/2023 for late payment of XX/XX/2023. It was not 30 days pass due yet.
Product: Debt collection

XX/XX/24 Spoke to XXXX representative XXXX for XXXX company and him could he provide proof of this alleged debt. He stated a company by the name of XXXX XXXX bought the debt and request that they collect on the debt. He also stated that his XXXX  company remove this debt from my credit report on XXXX XXXX XXXX  and it will take 45 days to be removed. I explained to him that i do not owe this debt. I don't have a contract with this company. They are not registered to collect in Texas. I also request a copy of the removal via mail stating it was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my XXXX report and noticed 9 inquiries that do not belong to me, I reached out the the companies as well as the credit bureaus to have these matter addressed and rectified. Not a single action has been taken as if identify theft is not a crime and it should be handled as such! Due to these matters my life has been basically put on pause! If I dont have the money I need I cant even apply for any credit due this! I would like for this matter to be addressed as soon as possible!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address ongoing and unresolved issues with Experians customer service and account access that have caused significant frustration and concern regarding my ability to manage my credit.

First, it is impossible to reach a live representative at Experian. The phone number they provide routes to an automated system with no option to speak to a real person, and it offers no assistance for issues that fall outside of a narrow set of options. This lack of accessibility is highly problematic, especially for a company that handles sensitive personal and financial information.

I am currently trying to log in to unfreeze my credit, but I am encountering the same issues I faced previously on XX/XX/year>. On that day, I spent over three hours across 14 separate calls, starting at XXXX XXXX CT and ending at XXXX XXXX  CT, without resolving my issue. I have recordings of all these calls, which I can provide if needed.

When I finally reached a representative, I was told my account had been deactivated due to inactivity, even though I had logged in within the last six months. I was instructed to create a new account, but when I attempted to do so, the system was unable to verify my identity and directed me back to the toll-free number, leaving me stuck in an endless loop of unhelpful automated prompts.

Although I was eventually able to unfreeze my credit on my own, I am now experiencing the same issue as I try to log in again. This pattern of system failures and inadequate support has left me justifiably frustrated.

I believe that if I were paying for a premium service such as credit monitoring, these issues would not be happening. It is unacceptable for a company like Experian, which profits from selling personal financial data and holds significant control over my credit information, to fail to provide adequate customer service to address account access issues. The companys failure to answer phone calls or provide timely assistance for basic services needs immediate attention.

I am requesting that the CFPB look into Experians business practices, specifically its lack of adequate customer service for account management and credit freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say XXXX many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the Financial World discriminates against XXXX XXXX XXXX  in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information Equifax, XXXX and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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

In accordance with the fair credit reporting act XXXX has violated my rights. 

XXXX XXXX accounts # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 states I ha

ve the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any p
urpose.
Product: Credit card or prepaid card

Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XXXX XXXX, 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

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

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Debt collection

I am filing a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the investigation and verification of disputed items on my credit report. 

Details of the Complaint : Dispute Process Timeline : On XXXX XXXX XXXX I sent a formal dispute letter to Equifax demanding an investigation into several inaccurate accounts reported on my credit file ( Dispute ID : XXXX ). In this letter, I explicitly requested that Equifax exclude the use of third-party data sources and verify the information directly with the original creditors. 

Request for Identification and Delayed Response : After initially requesting that I provide identification ( which I promptly submitted ), Equifax delayed their response. The statutory investigation period expired without receiving any meaningful communication from them. 

Improper Verification of Accounts : On [ insert date of receipt ], I finally received a response from Equifax claiming that the accounts had been verified. However, Equifax has failed to provide adequate documentation or explain how they verified these accounts, as required under FCRA 611 ( a ) ( 6 ) ( B ). No details on the methods or individuals involved in the verification process were disclosed. 

Violation of FCRA and Inaccurate Reporting : Equifax has continuously reported inaccurate and incomplete information on my credit report, including a charge-off for a XXXX XXXX XXXX account XXXX XXXX XXXXXXXX ) which I had previously disputed as inaccurate. Their failure to remove this incorrect account after multiple disputes constitutes a violation of my rights under FCRA 611 ( a ) ( 1 ) and 609 ( a ) ( 2 ). Furthermore, their use of third-party aggregators, instead of contacting original creditors directly, violates their statutory obligation to conduct a reasonable investigation.

Resolution Sought : I demand that Equifax : Immediately delete all inaccurate and unverifiable accounts from my credit report, including the XXXX XXXXXXXX XXXX account, and any related inquiries. 
Provide a detailed audit trail of their verification process for the disputed accounts, as required by law. 
Compensate me for damages caused by their failure to comply with FCRA requirements. 
Enclosed are copies of my previous correspondence with Equifax, proof of identification provided, and the response letter from Equifax received after the statutory deadline. 

I trust the CFPB will take appropriate action to ensure Equifax complies with the FCRA and protects my rights as a consumer.