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

I have multiple inquiries on my credit report. I have wrote the company and disputed it with Equifax and it still remains. I would not continue to have my credit report ran by a company that I did not give authorization to do so. I have asked for proof of my signature and requesting to have the company stop putting hard inquiries on my credit report that is not valid
Product: Credit reporting or other personal consumer reports

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Product: Debt collection

a phone number has called me and my family and my JOB saying I am being investigated and will be served papers and a complaint will be filed in my county ( which nothing has been filed ) I called the number back to ask what the name of the company is and they would not tell me who they are. All they said is they are the division of processing and kept asking me for a case number. She refused to give me a company name. I do receive threatening call like this all the time. In the past I paid two loans off and it was to a scammer instead of the proper people. It seems I am on a list forever and ever now of con artist trying to extort money from me. XXXX XXXX has also contacted me threatening the same message.
Product: Mortgage

On XX/XX/XXXX, I sent Wells Fargo Mortgage two separate checks from my credit union. Each check was for the amount of {$900.00}. I put instructions on both checks to have one check be applied for my XX/XX/XXXX payment and the other check to be applied to my XX/XX/XXXX payment. 

Apparently my instructions were ignored and one of the checks was applied to my principal only, which I didn't authorize. Due to them not following my instructions, my account is now showing one month behind and they have been charging me late fees. 

I called their customer service department twice on XX/XX/XXXX to explain the error. I told them I did not authorize them to make the principal only payment and that I wanted the payment corrected in order to get my account back to being paid on time and I want all the late payment charges removed. The customer service rep refused and stated she couldn't correct anything past 90 days. 

Due to their error in not following my instructions, I want the {$900.00} to NOT be applied to the principal ( I didn't authorize that ) and I want it to be applied as a regular payment as I instructed. I also want all the late charges removed and for my account to be shown as up to date. The payment I made on XX/XX/XXXX should have been applied to my XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED CHAPTER   XXXX   IN  XXXX . AFTER 7 YEARS  XXXX  AND  XXXX  REMOVED FROM MY CREDIT FILE. IN  XXXX  AT THE 7TH YEAR MARK EQUIFAX PLACED ON MY CREDIT FILE AFTER 7 YEARS OF NOT REPORTING. I ASKED FOR THEM TO REMOVE THEY STATED WILL STAY ON FOR 10 YEARS. WHILE THE OTHER   XXXX   BUREAUS HAVE REMOVED FROM MY CREDIT FILE
Product: Debt collection

Started calling back in XXXX last yr and then last week. First it was a XXXX XXXX XXXX XXXX ( XXXX XXXX. Then a XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. In XXXX, XXXX. Asking us to make payment arrangements for XXXX on a closed accountfrom ky.
Product: Debt collection

Credit Collection Services used an incorrect address in all of their communication attempts. The initial biller, XXXX XXXX, also used an incorrect address. Therefore, I never received any communication from the collection agency or the biller about this liability. 

The debt was paid immediately after I discovered it, after applying for a mortgage and it learning that there was a medical collections on my credit report.

I've attempted to work with both the biller and collection agency to have the collection removed from my credit report, as they failed to communicate with me. Both have been unwilling to assist.
Product: Student loan

Ive been dealing with student loan issues since XX/XX/XXXX between XXXX XXXX and Mohela. 

There has been a lot of lack of communication between both agencies. I received my first email from Mohela on XXXX XXXX XXXX  informing me about the XX/XX/XXXX deadline for PSLF. 

I had not known about the waiver and had 2 days to get my information submitted. I was able to get a certification form submitted for one employee on XX/XX/XXXX, but the representative digitally signed it. The certification form for my 2nd employer was incomplete because it is located out of state and I was not able to contact anyone on time. 

Ive since submitted complete forms on XX/XX/XXXX and XX/XX/XXXX for both employers. 

After waiting since XX/XX/XXXX for XXXX to transfer my loan to MOHELA, I am now being told I need to wait an additional 90 business days. Ive been patient with this process. But now it is at a point where it seems am having to go through hoops to have my employer 's certified and payment count updated. My loan should have been forgiven in XX/XX/XXXX, so I have more than the 120 payment requirement for forgiveness.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my car loan with XXXX XXXX XXXX. For a XXXX XXXXXXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Bankruptcy XXXX
Product: Mortgage

Our property tax office sent Shellpoint an escrow refund to them, even though they are not my mortgage company. There is no way to contact Shellpoint via phone or email. They don't recognize my account or phone number because they do not carry my loan. They did in XXXX. I am unable to get the refund that was sent to them.
Product: Credit reporting or other personal consumer reports

I asked the company to remove this from my report because I didnt authorize. The dates are from XX/XX/2022 through XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2010 Balance : {$0.00}
Product: Debt collection

I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.
Product: Credit card or prepaid card

Synchrony Bank issues several of the " store cards '' that I have used / use : - XXXX XXXX Store Card ( which they closed several months ago ) - XXXX ' Store Card ( which they closed several months ago - XXXX XXXX XXXX Photo Card ( credit limit reduced several months ago ) - XXXX XXXX XXXX payboo Card ( credit limit reduced several months ago ) - amazon store card ( denied credit limit increases ) - PayPal Credit ( denied credit limit increases ) - Sams Club card ( denied credit limit increases ) I have maintained all of the above cards in good standing, and made all payments on time. For some, I have paid the full statement balance monthly. 

Despite my excellent payment history, the credit limit increase requests I've made were denied because ( three of the four specific reasons listed ) my " Bankcards '' balances are too high compared to credit limits. Credit scoring is based largely ( more than 1/3 of the % score calculated ) on the ratio of card balances to credit limits. However, as you can see in the listing above, when more than half of my Synchrony bank cards were arbitrarily closed and/or had the limits reduced, THOSE ACTIONGS BY Synchrony DIRECTLY CAUSED THE PROBLEM! 

Put another way, every time Synchrony closed a card or reduced my credit limit, it directly impacted my personal credit score in a negative way. This is unacceptable, and has caused and continues to cause me substantial financial harm.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quite recently I was perusing my credit reports as I normally do. I came across a few inquiries via all my credit reports, however with this specific issues it was with Equifax. I wrote Equifax ( 4 ) times and call the creditor in question XXXX to highlight them of the situation at hand - an error/fraud per an inquiry on my report which I didn't authorize. However, XXXX decided upon their investigation that it was indeed a fraudulent attempt to gain access to my credit report - which produced an inquiry. I spoke with Equifax 's many representatives, and nothing became of the issue- as they keep telling me via my disputes online and via mail that it was of my own doing. Today XX/XX/2022, Equifax removed the hard inquiry dropping my credit score to XXXX pointsXXXX!!! When I spoke with the agent, she admitted that my scores shouldn't have dropped that drastically and she was going to look into it. Well, she couldn't find any reason and did not resolve the issue. So, instead of my score remaining the same or been placed in a positive. She tried to tell me all the possible reasons why it may have happened - but, that was not the case since all the reasons she mentioned were not in line with how the regulations work or the system itself. I would love to have this item resolved and my scores be placed back within the parameters per their original.
Product: Mortgage

My father died in XX/XX/2014. He had a reverse mortgage on his home. This company, XXXX, initially told me to provide a copy of the will, death certificate and request for extension on the loan so that I could sell the property once the probate court issued the Letters of Administration to me as the executor of the estate. XXXX then for XXXX months refused to speak with me advising that I was not the borrower while simultaneously acknowledging that the borrower had died. I filed a complaint with the California XXXX XXXX and XXXX finally acknowledged I had provided everything they needed to speak with me and to review an extension, but they also began foreclosure proceedings on the home. Now, although they have provided me an extension until XX/XX/2015 to sell the home they have filed default with the county where the home is located. They have yet to respond to any of my requests asking to resolve this seemingly unethical behavior. Their hired attorney refuses to return my calls or requests for information in writing. They filed the default while having all of the information they requested to provide an extension. There is equity in my father 's home and I believe this is why they are acting unethically. I believe they are trying to obtain the property through underhanded tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my personal information was illegally sold and bought as a result of the Equifax data breach. I have attached proof of Equifax 's admission that I was indeed a victim of the data breach, and yet, no action has been taken to rectify the situation. I demand the immediate removal of these unauthorized and illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX XXXX XXXX XXXX is present on my Equifax XXXX report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XX/XX/year> is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
Product: Money transfer, virtual currency, or money service

Venmo sent me XXXX for opening an account with the and I was trying to transfer the money to another debit card and I did not see the teeny tiny fine print stating that the rules on some financial institution that if rejected money is lost. Not refunded. I want my money back. XXXX XXXX. XXXX. Happened in XXXX
Product: Debt collection

This collector is making false debt collection claims. I dont own no rental payment or balance to any landlord. This is false and should not be reported to my account or anyone in my family. I need this to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

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

I applied for an auto loan. Sage Stream, LLC - XXXX XXXX was used through some of the banks listed on several of my CFPB complaints on file already. That credit score was half ( and much lower ) than what was reported by the other three credit bureaus. 

I just opened all of my notices from XXXX XXXX. There is no report attached. XXXX XXXX claims they could not verify my identity. So, they are unable to produce a report. 

How did the banks obtain that information if XXXX XXXX was unable to verify my identity? 

All legal documents were produced heavily with secondary and tertiary style identification. 

How am I supposed to dispute an alleged low credit score through Sage Stream, LLC - XXXX XXXX if they can't pull the report. And how were they able to provide a credit score to the bank, but I can not get a copy of my own report?
Product: Credit reporting or other personal consumer reports

Inquiries in Dispute : Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA these doesnt and needs to be removed. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXXXXXX XXXX XXXXXXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXXXXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX They have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXX