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

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I was never late on these accounts. There are multiple errors shown in my report. Please check the last payment, the account number, etc. These are good standing accounts. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is XXXX from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.
Product: Mortgage

From XXXX transactions, SLS reported {$66000.00} as an " amount paid '' by the borrower with a " beginning balance '' on the account of {$66000.00} and no other charges or fees. See attached XXXX Form 1098. In XXXX, SLS claims these XXXX transactions no longer equal XXXX. See attached SLSXXXXResponse. SLS claims what they are reporting as an " amount paid '' by the borrower was in fact an external transfer to another servicer.
Product: Checking or savings account

Wells Fargo sent me a text explaining my account had been used in Texas. Wells Fargo called me and gave me steps to prevent money from leaving my account. I check the source of the text and phone call all were from Wells Fargo. I followed the steps as I had done before and every penny out of my account was liquidated. I have cited the Electronic Exchange Act has prevented me from suffering loss due to this type of event where a bank defrauds their customers. They sent me a letter stating I had authorized the transactions which is incorrect. I followed the instructions of Wells Fargo to secure my account from a active threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting XXXX XXXX correct In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting XXXX XXXX accurate. 

XXXX. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received this email from Experian ( of which i am not a member - so its a spam email looking to gain business ). 

" Experian Membership ID # XXXX Member Sign In Introducing your free FICO Score, XXXX See your score " When you click the see your score link, it requires a login and acceptance of a membership with Experian. 

Once you have done this, you are taken to a page that tells you your credit REPORT is free but you must PAY for your score. Which is the clear and absolute opposite of their email. 

This is flat out theft and fraud, perpetrated upon millions of people looking to get their credit information. 

Please prosecute Experian to the full extent of the law. Use of email to commit credit fraud is a felony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its clear my consumer rights have been violated after analyzing my consumer report. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. To the best of my knowledge, all of my late payments are considered transactions whereas utilization is an experience created by credit usage. The reporting of late payments and/or utilization on the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX - XXXX XXXX  XXXX by XXXX XXXX Experian, and XXXX are an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never instructed to any of the credit bureaus mentioned earlier to report any activity to my consumer report including late payments/utilization claims. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. By XXXX, Experian, and XXXX reporting these unfair late payment and utilization claims to my consumer report there has been a direct violation to my privacy. This is is unacceptable.
Product: Mortgage

I received my annual escrow disclosure on XX/XX/2019 for my house that I purchased last year. It showed that due to the lending company ( Cornerstone Home Lending ), that was recommended by the builder ( XXXX XXXX ), severely underestimating the taxes for the year that my escrow account has a shortage of {$7200.00}. This plus the new increase in taxes has caused my payment to go from {$2100.00} to {$3100.00}. I called the lender to get an explanation on how this could have happened. I have never missed a payment or been late. They told me that the taxes were not calculated properly when I purchased my house causing the now shortage putting me in a financial bind. I failed to see how that is my fault. They, ( the lender ), said the best they could do was spread the {$7200.00} deficiency over 24 months vs 12 months. While this lowers my payment to roughly {$2800.00} it is still over {$700.00} higher than what I signed and agreed to less than a year ago. This puts a severe hardship on our finances to where we will not be able to either pay other obligations or afford this house anymore.
Product: Student loan

I am a parent that agreed to consign my child 's student loan. My daughter has not worked in over a year. I make a monthly payment however, it 's not the payment amount that the company want me to pay. I have my debt responsibilities to maintain. As a result of me only paying between $ XXXX {$60.00} dollars monthly, my credit score took a hard hit. I received between 5-8 calls daily from Navient. I hit the ceiling when they told me that I had {$10000.00} available on a credit card and why ca n't I make a payment with this card. They did n't say the name of the card but I knew what card they were referring to. The customer representative has said this to me the months of XXXX, XXXX ( XXXX ) and XXXX XXXX. These people continually threaten me with court action and that they will have my salary garnished and any tax returns garnished. I have always had a high credit score however, as a result of me only making the small monthly payment, my credit score has plummeted. They say that they want to work with me, I keep telling them that I ca n't make a higher payment. I have my bills to pay as well as my living and commuting expenses. I refuse to give them my salary information. This seems to anger them. They even ask me if I have someone else helping me with my expenses ( I do n't ) I live paycheck to paycheck frugally. These people also dislike it when I tell them to review the recording on past months. I tell them the same thing over and over again. As I previously stated, I make a small payment monthly, I ca n't go any higher, I need to maintain my bills and living expenses. I can not afford an attorney. Navient is wrong, I feel, looking at my credit report and saying that they see that I maintain my bills but refuse to pay them. When I say that I ca n't make a higher payment then they say " so you 're refusing to make a payment ". I have told them that they are twisting and playing on words by saying this. This happens every month. My daughter hopes to start a new job in a few weeks. She is very timid. She cries when these people talk to her so now she wo n't talk at all to them. Once she starts working, she will make her payments. The payments will not be the payments that Navient want ( she too will have living expenses ) but payments will be made. Thank you
Product: Debt collection

BANK OF AMERICA continued to contact me without my consent in reference to the collection of an alleged debt obligation. The numerous harassing phone calls at inconvenient times continued even after I initially request that you cease all communication with me in reference to the collection of an alleged debt obligation on XX/XX/2021. 

BANK OF AMERICA further continued harassing me by contacting me without my consent via multiple emails with obscene and threatening language. Within these emails, you discriminated against me by denying me credit because I have in good faith exercised my rights. This behavior is unacceptable, unethical, and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking 2.5hrs of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.
Product: Debt collection

Hyundai Capital America has failed to review the affidavits and identity theft reports ive sent them on numerous occasions. Ive also sent a letter of debtt verifcation and they have YET to give me the information ive requested under the consumer laws. 

I will be requesting {$1000.00} per violation and seeking pain and suffering damages for them slandering my name with identity theft and already have been paid with this loan on multiple charge offs XXXXXXXX XXXX XXXX 

Ive had to take a bad credit auto loan because of this paying 29 % interest rates. I will be seeking damages in full soon if this is not resolved, investigated and deleted from my consumer report. 

Ive also requested the send me the disclosures in this contract I allegedly signed along with a validation of debt. 


SEE ATTACHMENT OF NOTARIZED IDENTITY THEFT IVE SENT TO XXXX ALONG WITH VALIDATION OF DEBT REQUEST SINCE THEY ARE NOT FULFILLING THEIR DUTY
Product: Credit reporting or other personal consumer reports

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX ( Original Creditor : 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 I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to gain access to my Equifax report and score since XX/XX/2020 TO NO AVAIL! I've called, I've emailed, I've fax numerous times, I've sent regular mail - everything that they asked for. I've sent copies my Driver 's License, my SSN card, my voter 's registration card and a utility bill. They should have this information in their office at least 8 times - sent the variuos ways I've mentioned. 

If they are using an old email XXXX to contact me I will never get it bc I no longer have access to that email. I have informed them of this - what feels like XXXX times. My current email is XXXX. 

Please, please, please, please, please tell them to fix this immediately as I have proven who I am countless times. 

This is my XXXX complaint on this. There are attachments in the other complaint.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX XXXX 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 TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  Act # XXXX opened on XXXX. XXXX XXXX XXXX # XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX opened XXXX. 
XXXX XXXX  dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between XXXX, XXXX and transunion and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as 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 above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2022, my BOA checking account was fraud due to BOAs lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my BOA credit card automatic payment was not updated with the new checking account. 

BOA did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.
Product: Debt collection

This company has sent me a debt over and over and over again I count five times in the last six months I have told him repeatedly at least three times not to contact me again and this is not my debt and that I dispute it Today they sent me another letter Im not gon na do this every other month with them for the rest of my life they are violating their business license
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

After the death of my husband I tried to make a modification on my house mortgage. 
they asked for documents and I sent them by fax, then they sent me a letter saying wait for 30 days. 
I called because no answer, then send me an application to put another person as collateral and I did it after that I do not have any response... new application packages got en the mail ; application I had already filled before, even so I filled them and sent them.. 
then nothing at all then the pandemic came and now they just send me a letter from a lawyer to start a foreclosure? 
this company is not serious and I feel I have been discriminated against and they want my house even though I send documents showing that I am able to make a MODIFICATION and pay the mortgage.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}