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

I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over XXXX years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I XXXX XXXX called TransUnion XXXX and I called the company and was trying to exercise my right under the FCRA. I tried to dispute some fraudulent inquiries on my credit report. Transunion refused to dispute my issues..I have rights under the FCRA to dispute any inaccurate information listed in my credit report,, transunion failed to submit my dispute,, its my right to be able to have anything investigated that I feel is. Not valid on, my credit report how are they able to not dispute fraudulent inquires thats listed n my credit file,,,
Product: Mortgage

I fell behind on my mortgage payments for a property formerly owned by my ex and I starting in XXXX or XXXX of XXXX. During this time forced place insurance coverage was placed on my account. I recall providing my prior servicer ( XXXX XXXX ) my insurance statement for payment through the secure portal and when my mortage payment didn't change I thought it was resolved. However, when I saw the mortgage payment had increased almost {$500.00} it was then that I was unable to continue making payments and I could not reinstate the prior plan. 

When I reached out in early XXXX ( XXXX or XXXX ) to complete a loss mitigation packet I received a letter that my ex had to also submit financial information and sign the loss mitigation packet. In XXXX after our separation, I worked with XXXX XXXX and XXXX to complete a Partial Release of Liability for my ex from the property as well as a quit claim deed. I was not in a financial position to refinance the loan at the time because of bad credit and no money for costs of refinancing a mortgage. 

I called Fay Servicing ( current servicer ) and they stated he remained on the note despite me asking them if they could contact my prior servicer. It took me until recently to obtain the attached documentation from XXXX XXXX of the partial release. My ex understandably would not sign or submit anything for this loss mitigation and the delinquency has continued to accrue penalties, legal fees and now facing foreclosure. When they began to report the delinquency on my credit report and my ex Fay Servicing first reported the delinquency on my son 's credit report who shares the same name as his father. I had to reach out to have that corrected by Fay Servicing and my son had to provide credit reporting information to them to prove they reported the delinquency on his credit. 

While my ex is still named in the Foreclosure, he should not have had the negative credit reporting and I should have been able to move forward with the loss mitigation application without his involvement and began working towards a resolution in early XXXX and prevented reaching the current state of being on the brink of foreclosure. The financial and emotional heartache this has caused me can not be fully expressed. I am now pressed up in a corner and have retained an attorney to file for bankruptcy in order to delay foreclosure. 

I have provided this documentation to the foreclosure attorney XXXX XXXX who has escalated this to my servicer but never at any time despite my or my exes ' calls, despite the incorrect credit reporting to my son did Fay make any attempt to research this with the prior servicer. We called and asked a supervisor from Fay to contact us and never received that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report Equifax credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the continued mishandling of my account opening process. Despite our previous discussions and the assurances provided, I find it unacceptable that a several attempt was necessary to address the tardiness in opening my account. 

I had hoped that our initial correspondence would have prompted immediate action to rectify the situation. However, the need for a second attempt indicates a failure to address the underlying issues adequately. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences and a commitment to improving your account opening processes. 

Please treat this matter with the urgency it deserves and provide a prompt resolution. I value the relationship I have with your company and hope to see improvements in your service standards going forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX XXXX Owed : {$16000.00}.
Product: Debt collection

Columbia Debt Recovery LLC DBA GENESIS bought a debt from XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for the amount of information {$800.00}. I sent them an email on XXXX XX/XX/XXXX requesting a copy of the original debt with my signature stating that interest would accrue if my debt wasnt settled and they were unable to provide that to me and continue to illegally charge me interest. The last update on my credit report updated on XXXX XXXX shows the amount {$880.00}. My last email communication with this company is stated below " This paperwork is not what i asked for. I asked for the original debt stating interest would accrue.I have a copy of the original chargesowed to XXXX XXXXXXXX XXXX XXXX XXXXAND NO INTEREST IS MENTIONED OR CALCULATED. Also, thecopy you attached is inconsistent with what I initially received. Theapartment debt doesnt match the original debt I received from XXXXXXXX XXXX XXXX XXXX becausethe amountsyou providedare inconsistent with the original amounts. In light of thisI would like to dispute this debt because XXXX Texas Debt Collection Act and the Texas DeceptiveTrade Practices/Consumer Protection Act and Iwill alsodispute it directly with the Attorney General. Thank you for NOTprovidingme withthe information requested. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
Check into Cash appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX.  I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX  appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter.
If you need any documentation you can email me at XXXX. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXX  to XXXX, Transunion, and XXXX. 

Here are the following tracking numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

The disputes that I have are as fallow : XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$400.00} XXXX. XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$420.00} XXXX. XX/XX/2022 XXXX XXXX XXXX {$7.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX {$17.00} XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX {$1600.00} XX/XX/XXXX - XXXX  that was I discovered this fraudulent charges I reported them and cancelled my debit card, I decide to send this to you because I did not received a positive answer front the bank.
Product: Debt collection

As of XXXX the XXXX of XXXX. Midland Funding LLC on behalf of Asset Acceptance has levied my bank account without sending me any documentation. They levied a California bank account. My identity was stolen in Michigan from the periods of XXXX until now. I have a flag on my IRS account for identity theft, stolen tax returns and someone opening loads of miscellaneous credit lines and credit cards in my name. 

This company levied all my funds somehow. I don't even know how they were A, able to get my bank info. B, I already have all my accounts in the dispute status with all the people trying to collect debts and dispute status prevents court action from being taken until resolved. 

XXXX I have called Midland Funding only to find my number was blocked. I used another number to call them. All the people answering the lines were XXXX, they gave me pure english names such as " XXXX XXXX '' and they could not source my account based on any information provided to them and kept attempting to retrieve my social security number which i wont give out.
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 names : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit report. These accounts are not mine, and I believe my personal information has been compromised. 

Below are the details of the accounts in question : 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 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 I have never opened any of these accounts, and I believe they are the result of identity theft or fraud. I have already contacted the respective creditors and credit reporting agencies to report the fraud, but I am seeking your assistance in resolving this issue and ensuring that these fraudulent accounts are removed from my credit report. 

Actions I have already taken : I have filed a fraud report with all major credit bureaus ( XXXX, Experian, and XXXX ). 
I have placed a fraud alert on my credit file. 
I have requested copies of my credit report to identify any additional fraudulent accounts. 
I have contacted the relevant creditors to dispute these accounts. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Several accounts on my credit report seem inaccurate and added without consent. Kindly block and remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion, and XXXX directly informing them of the identity theft I have been dealing with sine XX/XX/2020. I received a notice from XXXX and TransUnion stating they could not accept my verified police report, identity theft affidavit, dispute letter, and 605 B verbiage letting them know to block the following items below. XXXX did accept all documents and block information. Disputed Items Grain Balance {$1200.00} XXXX Balance {$1400.00} Dept of Education - XXXX {$6200.00} Dept of Education- XXXX {$4200.00}
Product: Debt collection

was sold a cell service and the internet by an XXXX employee on the phone..I was told if I ordered both together I could get a discount ... The employee told me if not satisfied in 30 days I could cancel and receive any money paid back and also said because of my wife and I were senior citizens we could receive a $ 10 monthly discount. 
I ordered the service at end of XXXX, XXXX and XXXX 's cell service was horrible, they could not connect our XXXX XXXX to their network and shut off our phones, they made me drive to a XXXX store to get a code to connect the phones but the store would not help. They could not send us the code because OUR PHONES DID NOT WORK! My wife and I are XXXX yrs old and don't like to drive... We went back to XXXX to fix our XXXX and connect service back to them ... XXXX raised my internet cost because they said we broke the contract for two services and we have to get a higher rate for the one service. 
I cancelled the internet after fighting with them and an employee called my wife an OLD XXXX! 
They sent our account in XX/XX/XXXX to Sequium Asset Solution, LLC who hit our credit report with a COLLECTION of {$300.00}, ruined my credit and my home insurance company in Florida raised our rates because of my credit score dropping. 
I called XXXX several days ago and they took off {$60.00} because they caught an overcharge to our account but left the {$240.00} because we cancelled one service before the 30 days. I asked them to send the 100 % customer service agreement which states we can cancel and get out money back in 30 days ( no response ) ..They will not listen to the reason why we cancelled the XXXX XXXX XXXX.. IS BECAUSE IT DIDN'T WORK .....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have no association with these listed creditors and these inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

What has now become public knowledge is that there was a MAJOR security breach with Equifax. I am beyond disturbed that the company waited over a month to make this information public. In using the tool provided by Equifax, I was told that my personal information was part of the breach. I was then given a date to sign up for their " free credit monitoring '' for a year. The date given was XXXX/XXXX/XXXX. Today is XXXX/XXXX/XXXX. The XXXX is the only date I would be able to sign up for the service, and I would not be reminded. Someone else in my same office ( after I checked my information on Equifax 's site ) also found out their information was breached, but received a date of XXXX/XXXX/XXXX to enroll. Upon reading the terms of use for the credit monitoring service ( which was NOT AT ALL easy to find on their website ), I realized that if I did in fact enroll in the free service for a year, I was waiving my right to be a part of a class-action lawsuit, a class action arbitration, or group representation. If by clicking on a date to enroll or by checking my information I waived this right, I will be extremely outraged. It is n't clear how I am agreeing. Does this happen when the date is assigned or when you action sign-up? There was no box to check when I was assigned a date that I accepted the terms of use. My information has already been compromised for over a month, and now I need to wait even longer for protection?! That is just absurd. It is almost impossible as a consumer not to need to have access to credit or get your credit report pulled. For my licensing, I am required to have my credit report pulled. How could Equifax not spend the adequate funds to begin with to protect such confidential information, and why are they being so sneaky about the potential loss of rights included with the of the credit monitoring service? I am assuming that if anything happened to my personal information prior to signing up for credit monitoring/ identity theft protection, I will not be covered. I feel like I have no choice but to deny the coverage, pay for coverage on my own, and seek representation for any potential damages or future damages. I would greatly appreciate your help in forcing Equifax to make their " terms of conditions '' more well known.
Product: Debt collection

I am on the Do Not Call registry. This number called me and gave me an account # XXXX for a debt of $ XXXX for XXXX . They tried to verify more personal information from me. I only gave name and DOB. I do not owe any medical debt that I am not already paying off from a number of years ago. This is not anything I have a debt for.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or Cabot be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove XXXX for my account