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

Since XX/XX/2021 when XXXX XXXX  acquired all of XXXX XXXX 's customer accounts in the United States, they have not made any effort to check with XXXX XXXX  that the billing entities are receiving payments on a monthly basis in a timely manner and are now removing some of the accounts that determine our FICO score and lowering our credit rating. We have tried to contact their customer service department on numerous occasions to get them to correct the issue to no avail. 

Yesterday I received notice via email they are removing another billing account ( XXXX XXXX ) from their records as they can not ascertain the account is being paid monthly through our old XXXX account, which is no longer a valid checking account. Said account has been active and paid in a timely manner for the entire XXXX years we have lived at our current address yet they keep sending emails payments on the accounts are not being reported. The reason they are not being reported is Experian is making no efforts to contact XXXX XXXX. 

*************************************************************************************************** Experian www.experian.com, hmm, it's been a couple months since a payment was reported... 
XXXX Experian Alerts XXXX To : Sat, XX/XX/2021 at XXXX PM Experian Membership ID # Member Sign In Hmm, we still haven't seen payment history reported Looks like a payment hasn't been reported in the last two months for your account ( s ) linked to Experian Boost. After several months of payments not being reported, your account ( s ) could be removed from your Experian credit file. 

Note : It's possible that you've made a payment to this account and Experian hasn't received your payment record yet. You can sign in to see more information. 
See account details *************************************************************************************************** Experian www.experian.com, your bill was deleted from Experian XXXX... 
XXXX Experian Alerts XXXX To : Sat, XXXX XXXX at XXXX PM Experian Membership ID # Member Sign In Heads up, your bill was deleted from Experian XXXX. 
That means it was also removed from your Experian credit file, which could lower your FICO Scorebut dont worry. Weve laid out the simple steps to take to keep your boost. 
See what to do ************************************************************************************************* It is impossible to report the problem to Experian Boost using their " See what to do '' instructions and we have never been able to get through to one of their customer support agents via telephone.
Product: Debt collection

CALLED MY WORK NUMBER THIS MORNING. I HAD TO VERIFY MY NAME BUT THEY ALSO WANTED ME TO VERIFY MY HOME ADDRESS, WHICH I WOULD NOT, AND SHE SAID THAT'S FINE AND WOULD CALL BACK LATER WHEN I WOULD VERIFY INFORMATION AND HUNG UP. USING THIS NUMBER XXXX
Product: Credit reporting or other personal consumer reports

XXXX bankruptcy cases was dismissed due to no execution.
Product: Credit card or prepaid card

Hi - In  XXXX     2016 I o pened a credit card with  Citizens  Bank and I was under the impression that I had enrolled in auto pay. From  XXXX   2016 thr ough  XXXX     2016 I ma de additional payments which I thought cancelled out the auto payment - so I did not verify that  Citizens  Bank had successfully enrolled my account in auto payment. To my surprise I started receiving collection calls in  XX/XX/XXXX  from  Citizens  bank asking for a payment to bring my account current. I made a payment on  XX/XX/2016    so it surprised me that Citizens had sent me to collections to obtain a {$41.00} dollar payment for the  XX/XX/XXXX / XX/XX/XXXX  statement cycle even though I made a {$1200.00} payment.     On  XX/XX/2016    I noticed that I had received late fees o n  XX/XX/XXXX  &  XX/XX/XXXX  so  I called the  XXXX  number on the back of the credit card. They admitted responsibility for the error and waived  XXXX  fees. I inquired about the impact to my credit and after being transferred about  three  times I was connected to a representative in the credit reporting department and he assured me that there would not be a negative impact to my credit.     In  XX/XX/XXXX  I checked my  XX/XX/XXXX score and to my surprise my  credit score  had dropped from a  XXXX  to a  XXXX  fro m  XX/XX/XXXX  to  XX/XX/XXXX  du e to  Citizens  Bank claiming my account was past due. Over my whole credit history this has been the only late payment reported to the  XXXX  bureaus. This missed payment was not as a result of any financial hardships as I was making payments at the same time to other credit cards and loans - This clearly was an error on  Citizens  Bank and I am paying the price. This has resulted in my credit limits being effected on all my credit cards along with having the potential to hurt my future prospects of obtaining credit.     Over the last month I have carried on a extended conversation with the " office of the chairman department '' at  Citizens  bank. Unfortunately I received a letter that left me very dissatisfied - They pushed the blame on me and refused to reverse the adverse credit impact.
Product: Credit reporting or other personal consumer reports

Under 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. 
XXXX XXXX XXXX XXXXXXXX {$5600.00} I looked at my Transunion credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to 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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Product: Checking or savings account

I did not authorize those transaction under my checking account for those charges back in XXXX and XXXX almost XXXX XXXX  was unauthorized and compromised
Product: Credit reporting or other personal consumer reports

I received and email from Chase, with whom I have a credit card, on Saturday, XXXX XXXX XXXX of a data breach on XXXX XXXX XXXX  that compromised my social security number. Chase noted that it was compromised on nationalpublicdata.com. I was told to call the Social Security Administration. The Social Security Administration told me to contact the Federal Trade Commission. I completed a fraud complaint form and the FTC redirected me to the XXXX. So I am trying to find the best way to report the information from Chase that my social security number was compromised. I have all three of the credit review companies locked but I am not sure what else I need to do to prevent this from going any further, like into identity theft.
Product: Checking or savings account

My payments check was direct deposit on XX/XX/year> because of wells fargo 2 early pay day. I made a mortgage payment in the amount of XXXX on XX/XX/year>. The funds came out of my account on XX/XX/year>. I was charged a overdraft fee of XXXX even though the funds were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working XXXX day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it
Product: Vehicle loan or lease

I am a co-borrower on a car loan, my husband is the primary. The vehicle was awarded to me in a divorce settlement which I had previously made Capital one aware of and updated the address for the vehicle to my address. When the loan was paid off I was due a refund. I contacted Capital one prior to them issuing the refund check to verify that the check will be issued to me and mailed to my current address. Capital one assured me that this will be done. However, Capital One later issued the check to the primary holder and mailed the check to his address. I was told that no one had changed the address in the system even though I was told that this was done. I have not been able to get clear answers from Capital One despite several attempts to contact them regarding this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian has violated my rights many times, on many levels. My consumer report from Experian contains incorrect addresses, addresses that dont even exist, and addresses that I have NEVER lived at or lived at as a minor with NO credit related products. It even contains an address that I obtained while on XXXX to XXXX, where I had little access to the outside world and no credit related products. This is intrusive and concerning. I used XXXX 's XXXX XXXX in XXXX, I personally disputed in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT.

It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. 

I serve the XXXX XXXX and my country to fight for those can not fight for themselves and there seems to be no one or entity to fight for me. I will be taking this company to arbitration if the following addresses are not removed immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Attached I have a copy of my lease agreement to ensure that my record is undeniably and undoubtedly TRUE AND ACCURATE. I have also attached a copy of my latest dispute results provided from this company, as well as a list of the addresses I wish to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$5200.00}
Product: Mortgage

I tried to contact my mortgage company ( ServiceMac Mortgage ) and their 'customer service ' number does not give you any option to speak with any type of customer service rep. It only takes you around in circles and offers no additional numbers or contact information to ANYONE! 

My online account shows a difference in what my payment amount is so I don't know if their amount is incorrect or if something changed making mine incorrect. 

I have a super credit score and don't want this discrepancy to cause a bigger issue in the future. 

Below is what they have on their website : Contact Us Information : _______________________________________________________________________ Contact Us Our goal is to provide 24/7 access to your loan information. 

To access your loan information : Call our XXXX XXXX XXXX XXXX form any touch-tone phone XXXX. 

If you have questions or concerns : Call to speak with a Customer Service associate. 


Customer Service : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail ( XX/XX/XXXX or XXXX 2019 ) from Equifax information Serivce LLC they werent going to look into three different accounts this is after I submitting my complaint to the CFPB on XX/XX/2019. I Certified mailed A dispute to Equifax personally back on XX/XX/2019 which was totally two separate disputes. One dispute was personal one on one directly with the company ( EQUIFAX ). Other dispute was to CFPB ABOUT equifax. WHY? wont you reinvestigate the items on my first dispute andbor the dispute sent to cfpb? They havent provided me with the information I requested. I asked for the break down on who they were contacting ( creditors/name etc.. ) which they arent providing I asked for how they were contacting them ( phone, mail, fax, email did they walk to the business and get the information? ... ) which they havent provided I have asked them to provide the proof from whoever their contacting and there stating that the information is verified I want copys of the information your obtaining since you keep telling me ALL this information is VERIFIED these are separate complaints which require separate investigations ; you will not deny me my rights or I will be forced to take legal action. XXXX XXXX is not a source. They are not creditors. that are reporting this verified information shouldnt be coming from them. These companies are paying you to report on people and your using XXXX XXXX to verify someone elses report on me this isnt making sense. I have sent XXXX XXXX XXXX a validation letter ( XXXX XXXX ) ( they signed for it on XX/XX/2019 ) no response back yet. XXXX XXXX XXXX sent them a validation letter ( XXXX XXXX, CA address ) the mail was forward back to me. Tried their ( XXXX XXXX, CA add ) they replied back with a bill ) so what creditor are you actually verifying these accounts with???? Your using the XXXX XXXX system and your not legally investigating my complaints. This XXXX XXXX XXXX ( XXXX ) account tried to send the validation letter they sent it back too. I did more to investigate than the actual credit bureaus. DELETE THIS STUFF OFF MY CREDIT REPORT immediately. Youre not to deny me an ACCURATE investigation for each separate complaint if the investigation was done right when I sent it directly to you I wouldnt have to file a complaint to CFPB.
Product: Debt collection

I have been receiving calls for months from your Diversified Consultants Inc, only to be hung up on as soon as I answered. Someone finally spoke today, telling me he was calling on behalf of XXXX and wanted me to verify my personal information. I told him I have never had any business with XXXX of any kind, to which he replied that it was a business matter with XXXX and that he could n't tell me anymore without verifying my information. I refused to provide any of my information to a random person on the phone, and he ended the call. It was only after I got off the phone and looked up the organization online that I discovered it was a collection agency. I called back to complain and they claimed they were not required to disclose that they were a collection agency because I had not yet provided them with my personal information, such as the last XXXX digits of my SSN.
Product: Debt collection

I was threaten verbally attacked. They said they were come to my place of employment to serve me with paperwork. They also falsified information on my credit report with incorrect addresses thats listed to a XXXX  of XXXX XXXX California also, XXXX, California, XXXX XXXX. They are a scam company that is trying to use scare tactics for them to get paid I will include the addresses that they list that with a simple XXXX search. would see that the address they listed was fake. the first address they list is XXXX XXXX XXXX XXXX ca XXXX which is XXXX XXXX. the second is a post office and the address is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ca . they need to be found so i can sue them and please have this remove my credit report. Thank you.
Product: Mortgage

I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. 
Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. 
Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. 
Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 

2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 
2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. 
I look forward to a resolution with Capital One to proceed. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and correct it in my file : XXXX XXXX Balance : {$0.00} ; XXXX AUTO XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX : {$3500.00}
Product: Student loan

This company, XXXX XXXX, has exhibited numerous underhanded and predatory tactics in the short time I have dealt with them. My loan was transferred to them from XXXX in XXXX of 2017. XXXX was fine by the way. In the short time that I have dealt with Heartland it has been a nightmare. They provide zero information regarding interest on your loans first of all and don't allow you to pay off your interest right away. But more importantly, I had signed up for email notices regarding my payments being due ( I don't remember exactly when as I have no log ) and got nothing back when one of  my payments was due back in XXXX. Of course, I ended up with a late fee. So I spoke with a representative about it and the fact that I had never gotten an email reminder. She stated that although I had signed up for email, it was too late before the due date to send out an email but the next time it would. This was back in XXXX, and the only proof I have is a test email she sent on XX/XX/XXXX to make sure I was receiving their emails. Well now it is XXXX and I have another payment due and again received no email reminder. So I am talking to a Customer Rep and he said the exact same thing " I see you signed up XX/XX/XXXX which is after your bill generated which means you would not receive an email until your next cycle. '' This is a straight up lie! And I told him this as well as told him of my past conversation. I have no doubt that this will continue to happen so that I and many other indebted graduates just like me will get charged late payment fees because XXXX is being deceitful and shady!
Product: Credit reporting

I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XXXX XXXX years. I have contacted all XXXX credit bureaus ( XXXX, Equifax and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.