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

I'm currently in the process of trying to purchase a home, but I'm facing some frustrating obstacles due to a system error on the part of Equifax, the credit company. It seems that Equifax is not sharing my credit score or report with my lender, which is essential for securing a mortgage. I attempted to access my credit score and report through the Equifax website, only to be greeted with a frustrating " BLNK '' error message and a suggestion to contact Equifax for assistance. 

After reaching out to Equifax, I was connected with an offshore representative who tried to sell me their monthly protection services. I explained that my primary concern was not being able to provide my lender with my credit score or report, and I found it perplexing that I would have to pay for this information. The representative consulted someone else and returned to inform me that the problem lies with my credit file needing to be " refreshed. '' They requested that I send in a copy of my Social Security card, driver 's license, and a letter requesting Equifax to refresh my credit file so that my lender can access my score and file. 

I can't help but question why I am being burdened with these additional steps and expenses because of Equifax 's system error. It's disheartening that my ability to become a homeowner is being directly impacted by this issue caused by Equifax. It's also frustrating that I have to spend my own money and time to draft a letter in the hopes that it will rectify Equifax 's system error. I have had no problems with XXXX or XXXX, so it's particularly disappointing that Equifax is the one hindering my dream of buying a home.
Product: Debt collection

Received a letter from " Debt Recovery Solutions , LLC. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, XXXX. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by DRS based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.
Product: Prepaid card

On XX/XX/2022, I called Bank Of America to find out my debit card balance from my XXXX XXXXXXXX claim. I was told I had a balance of {$2100.00}. On XX/XX/2022, I went to the Bank of America ATM in XXXX, CA to withdraw the {$2100.00} from the account. To my surprise, the money was not there. I called Bank Of America and was informed that the {$2100.00} was transferred to another account. I informed the Bank Of America representative that I did not transfer the money nor did I authorized anyone else to do so. I was informed that Bank of America would issue a new debit card but I would have to speak to EDD about replacing the {$2100.00}. I spoke to EDD and they informed me that once the money hits the bank, it is considered paid and anything that happens to the money thereafter is not their problem. EDD suggested I file a police report which I did but my local police department could not do anything about it. I have also filed a complaint with the internet crime complaint center but I have not heard from them yet. That complaint was filed on XX/XX/2022. Since then, I have not been able to recover the {$2100.00}.
Product: Mortgage

My husband and I contact Sterling National Bank, to inquire about mortgage forbearance in XXXX. We requested the terms of any possible forbearance to be sent to us in writing. Within a few days, the bank sent us a letter detailing the forbearance. After review, we decided not to execute the forbearance paperwork. We continued to pay our mortgage on time, in full. Interestingly, Sterling National Bank continued to send us our regular monthly paperwork, showing that our payments were received, and showing an ongoing reduction in our mortgage. I would emphasize, we NEVER signed paperwork executing the forbearance paperwork. 

On XX/XX/2020, we received notice that our forbearance period was ending, and we immediately investigated our credit and saw that Sterling National Bank had put our account into forbearance ( but collected our full mortgage payment monthly ), and notified credit bureaus. Sterling National Bank had no right to put our accounts into forbearance, and unilaterally put our account into forbearance without our agreement. This is in clear violation of federal law not to mention traditional contracting principles. Moreover, Sterling National Bank continued to receive our full timely mortgage payment monthly, and never mentioned forbearance on our monthly mortgage statement. 

We request that the CFPB immediately investigate Sterling National Bank. Their mistake will likely have impacted not only our mortgage, but countless others. 

XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I found 4 accounts on my experian and equifax credit reports that are not mine. And XXXX is correct without these accts. There were also many phone numbers and addresses are not mine. The 4 accts are 2 XXXX credit accts, 1 student loan issued by launch servicing, the creditor of the loan XXXX XXXX  with the collection XXXX XXXX. I opened disputes with them. I contacted all the creditors of the 4 accounts and get the same information : the holder of the account, may or may not be a real person, I do not know, happen to have the same name with mine, similar address with flipped apt #, all other information ( social #, DOB etc ) are different with mine. XXXX XXXX, equifax removed 2 XXXX  accts, but closed my dispute of the acct launch servicing stated it is correct. I had to call and disputed it again. Same day, XXXX removed launch servicing acct. removed 1 XXXX  acct, but on XXXX XXXX closed my dispute of the other XXXX  acct saying it is correct. I again had to call and complain and opened another dispute.
Product: Checking or savings account

I was banking with Chase they closed my account said the bank decided to end the relationship. I had XXXX in my account they said they needed to verify the check from the original maker they said the funds would be in suspense intelligent the spoke to the person. The other bank XXXX XXXX  has paid the funds to my account it's been 15 days. at one point they said my funds were mailed on XX/XX/XXXX, that was a lie I have spoke to several people everyday and have stepped into the branch still no resolution
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Leafy Financial LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I moved into a rental with my XXXX old son and needed an alarm system for safety. I contacted XXXX  and setup an install. When the tech installed the system I filled out paperwork with him for the equipment. I setup autopay with XXXX and every month they took payment from me. I received a call saying I was behind on payments for equipment. I told the customer service representative that cant be I'm on autopay. I sent her the autopayments and she explained XXXX and the equipment were XXXX separate payments Once for XXXX  and the other Fortiva. Extremely concerned because I had XXXX in the past and it was one payment for equipment and service I checked my credit report and it was on there and three payments were late. I have worked very hard to have good credit. I make payments early and more than the payment amounts. I called Fortiva back and explained this to them and how I am buying a house in XXXX. I paid the balance in full, which was {$1500.00} and the customer service rep said they would send me a letter to remove the account from my credit report. I called back 1.5 months later and they said they would send it and they're not sure what happened. I called again in XXXX worried because my credit score went from a XXXX to XXXX and i do not qualify for a loan with a low interest rate. I was told again it would be sent and it wasnt. In early XXXX, I called and they said they would not be sending me any such letter and no one should have told me that? I dont know why it changed but im incredibly frustrated because i was lied to and never told it was two separate accounts. i would have paid it. i have 13 years of perfect credit history and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im lodging a formal complaint against both Caine & Weiner & XXXX XXXX, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by progressive insurance given as a collection to Caine & Wiener. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XX/XX/XXXX, I noticed a collection on my credit report with a new Creditor XXXX XXXX. So being under the assumption, that I owed XXXX, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX I called progressive to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the progressive agent contacted XXXX XXXX & put my call on 3-way to verify this new information. The XXXX agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the XXXX agent refused to remove this inaccuracy and false account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX 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
Product: Mortgage

My account was under a Covid-19 forbearance plan with XXXX ; in the end, XXXX XXXX transferred my account to ShellPoint. Shellpoint refused to help me will a loan modification. Three months later, after I got someone on the phone who would listen and follow up with me, I am now on a loan modification. This company reported to the credit bureau I am 120 late. This is not true, and they would not help me. It is so unfair what they did to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times, faxed written requests, copies of my drivers license, social security card, and utility bills as they have requested. I 've also contacted Experian via phone to discuss the fact that the addresses and names they are reporting on my credit is inaccurate. I 've placed a fraud alert on my credit and was told that the incorrect names and addresses would be removed from my credit report. As per the credit report from Experian on  XXXX   XXXX ,  2017  ; incorrect names and incorrect addresses are being reported on my credit report by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

Today is Monday, XX/XX/2024. I am writing to dispute certain information on my credit report. Despite my previous attempts to resolve this issue with the credit reporting agency, they have not addressed my request. I am requesting that you delete this inaccurate information within four days. The hard inquiries reporting on credit report are unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/ XXXX XXXX reporting erroneously on my credit file. I recently checked my credit file and noticed the delinquent notations they have added to my account. I do not remember being late on the dates they have reported nor have I ever received any letters, calls, or notices about late payments from Comenity Bank.
Product: Debt collection

Im going to state this again Im beyond fed up with XXXX and XXXX XXXX  and XXXX   XXXX. I have had funds taken from me while I was in school and filed complaints on here yet they claim they didnt know I was in school which is a flat out lie. I have multiple records from all my previous complaints. This has been going on for several years and no they will not get to garnish anything else from me .i have stated I didnt recognize these bills and someone has been able to get my information and was using it. They used it to buy things in my name including phones this is reported with the XXXX XXXX police and other fraud companies. I have now frozen my credit. I never had a card in XX/XX/2007. I do however think its absolutely ridiculous that these companies and collectors have continually bugged me for several years. No you will not get any more funds from me period go jump in a lake. I will fight this until all my funds are returned
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX   deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS.
Product: Debt collection

I have no agreement with LVNV funding LLC and they have failed to remove the incuracies on all credit reports causing me severe financial hardship.Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
I have sent LVNV letter demanding validation of this tradeline and a prior signed agreement with LVNV and myself, but LVNV failed to provide the information.I demand that LVNV delete all reporting from all three credit bureaus.
Product: Debt collection

My son went to hospital for XXXX & XXXX XXXX XXXX XXXX but he didnt live at home. Im not responsible for someone not living under my roof or care so I want it removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to correct information with transunion to no avail. I have placed 3 separate disputes in order to correct the information. The first one went without response. The other 2 I was told that " transunion has investigated the dispute and finds the information to be accurate '' - which is not possible, because the information is not accurate at all. <P/>I have XXXX accounts that are showing some form of late payments - in which I have spoken to the creditors and they say that they have never reported anything late as I have always paid on time. <P/>This issue is seriously affecting me as I am unable to receive student loans to for medical school because of this incorrect information. <P/>I believe in either case, the failure for Transunion to respond to my first dispute letter within the allowable timeframe ( or in this case, not at all ), is in violation of the Fair Credit Report Act and the disputed late payments should be corrected to reflect accurately a paid on time status.
Product: Checking or savings account

I completed all requirements for Citibank 's " Citi XXXX Account Package '' {$700.00} checking promotion, however I did not receive the advertised bonus. On XX/XX/21, I opened the account on their website via the promotion 's landing page. Eligibility confirmed by providing zip code. On XX/XX/21, I deposited {$51000.00}. Per the bank 's terms, I maintained a balance greater than {$50000.00} for 60 days ( XX/XX/21 to XX/XX/21 ). The {$700.00} bonus is supposed to post within 90 days of meeting those requirements per their terms. Thus, I am supposed to have received the bonus by today ( XX/XX/21 ). Additionally, I maintained a non-XXXX balance of {$25.00} in the linked savings account attached to the account. " The terms stated : " Earn {$700.00} when you open a new checking and savings account in the Citi XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

Experian These two XXXX XXXX are illegal and unauthorized. I have my credit flie frozen so no one can attempt to gain credit in my name. My information has already been on dark web through monitoring services that I use now. I offered to pay XXXX the XXXX $ which is SEVERELY when I say SEVERELY HURTING MY SCORE! it keeps updating and reflecting on my score and dropping and fluctuating! PLEASE REMOVE THIS LAST TWO ILLEGAL CHARGE OFFS MY EXPERIAN REPORT! 

Please remove these illegal items off my credit report. I have contacted these agencies since the beginning of this year. I have been disputing since the beginning of this year in XXXX. I will not stop. These items are illegal please REMOVE this off my CREDIT REPORT!! 

XXXXXXXX XXXX XXXX  {$13.00} **UPDATED** XX/XX/202XXXX XXXX XXXX XXXX {$57.00} **UPDATED** XX/XX/2024 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The account below XXXX XXXX was removed from my XXXX, and XXXX, report. It's a fraudulent account. Please remove this account off my Experian report. I directly contacted XXXX and removal is in process. Please remove this off my report. 

XXXX XXXX {$150.00} **UPDATED XX/XX/XXXX, XXXX XXXX