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

Equifax HAS NOT FIXED THIS FALSE INFORMATION!!!!!!!!!! I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equifax obviously never investigated it because it would have been removed had they done their due diligence? I am XXXX years old and I can assure you that I never applied for a student loan through this company or any other company for that matter. I can also tell you that I haven't been to college so why would I need a student loan?
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ISSUED AN AUTO LOAN ON XXXX XXXX, FOR {$42000.00} WITH A FRAUDULENT ADDRESS, EMPLOYMENT, AND NAME. 
I FILED A COMPLAINT IN XX/XX/XXXX. 
I CONTINUED TO FILE A DISPUTE, BUT XXXX STILL HAS THE ACCOUNT IN DISPUTE AND UNDER INVESTIGATION. 
I SPOKE TO EXPERIAN YESTERDAY, AND THEY WILL OPEN AN INVESTIGATION. 
EXPERIAN REFUSES TO REMOVE THIS FRAUDULENT LOAN FROM MY CREDIT REPORT UNTIL XXXX. 

PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Transunion a dispute letter dated XX/XX/2020 requesting validation and proof of original contract with signature from original creditor of debt being reported on credit report. 

Sent Transunion a dispute letter dated XX/XX/2020 requesting that XXXX XXXX XXXX  XXXX account be deleted from credit report for not identifying original creditor name and phone number. 

Filed a CFPB complaint regarding dispute letters with the following dates not being answered too on XX/XX/2020. 

Transunion sent an receipt of CFPB complaint into dispute of account on XX/XX/2020 and stated that they would extend the investigation time and do a complete investigation. 

Received investigation results from Transunion on XX/XX/2020 stating that the account is verified and that it belongs to me. How is the account verified? How did you collect your information? What steps did you take to collect this information to verify it as accurate? Where is the original contract with my signature that validates this debt? 

By the Fair Credit Reporting Act it states that an original contract with a signature must be provided from the original creditor to validate a debt. 
Stating that a debt is a consumers without a signed contract does not verify the debt as the consumers. Any creditor can report a debt on a consumers credit report and say to the credit bureaus that it is the consumers. Where is the proof?
Product: Debt collection

Call at least 3 times a week and left the same massage and phone #. 
I called back for information but the line seems to a looped music recording only. 
I paid all bills!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke to Bank of America 's credit lending department for reconsideration of my closed credit cards. During the call, I specifically asked if them re-attempting to re-open my credit cards would incur a hard inquiry on my credit report ; they replied it wouldn't. During the conversation, I was never asked for permission to perform a hard inquiry nor did I ever verbally allow them to do so. However, I am now seeing a hard inquiry ( XX/XX/18 ) from Bank of America on my XXXX   report.
Product: Credit card

Chase is closing my oldest credit line without any notice to me to save it and without disclosing an inactivity policy.
Product: Mortgage

Mortgage fraud. Illegal fees assessed. Refuse to accept payments. Reporting negative reports to credit bureaus. 

They are sitting on my checks for months.
Product: Debt collection

XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card.

These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.
Product: Credit reporting or other personal consumer reports

( XXXX ) The banking system depends on accurate and fair credit reporting, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). Unfair credit reporting practices erode public trust, which is necessary for the banking system to continue operating, and inaccurate credit reports directly reduce the effectiveness of the banking system.

Therefore, any infraction of the FCRA reduces the effectiveness of the banking system. My consumer report violates my privacy because I have discretion over what is and is not revealed. It would be deemed identity theft if any accounts were reported without my explicit agreement.

This is against 15 U.S. Code 1681b ( 2 ) as well as 15 U.S. Code 1681c-2.
Product: Credit reporting

I contacted Clarity Services to dispute information on my credit reports. I have over XXXX inquiries on my credit reports, many of them from companies inquiring about my credit. Clarity Services has sold my information to loan companies and banks that I never inquired about. I recently went into the bank to pay my daughters tuition and was rejected for a savings account. This stems from illegal, false, and bad reporting from Clarity Services, just to name a few. I would like Clarity Services, Inc to remove all of the negative reports sold to loan companies, banks, etc. I want no relationship with this agency. They were already sued for this same issue and now I see why. This company has to sell lies to companies to make profits and mess up peoples lives. I have a great job and I own my home. I have no reason to have XXXX inquiries on my credit profile and negative reports from a company that is in violation of my rights. I would like you to investigate this company and have them provide verification of all the false reporting and accusations held against me. I have already hired a lawyer. Please help me and possibly others. I 'm sure I wo n't be the last to report this illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXXXX/XX/XXXX balance : XXXX.
Product: Credit reporting or other personal consumer reports

I already sent a report Im just uploading the police report so you guys can send to them. The company name Equifax the account information company call XXXX.
Product: Mortgage

As an XXXX woman, I was deeply frustrated by the XXXX discrimination that I encountered with the underwriting team at Wells Fargo. On XX/XX/2022, I applied for a mortgage with Wells Fargo. After checking the credit scores, income and assets of both me and my husband, my loan agent XXXX XXXX locked my rate at 3.375 %. XXXX consulted with his manager XXXX XXXX and confirmed that they'll use my husband 's credits for the loan ( my credit is XXXX and my husband is XXXX ) because he is the primary earner. On XX/XX/XXXX, XXXX told me that the underwriter refused to honor the locked rate and increase our rate to 3.75 %. After continuous fighting with the underwriter and after I deposited $ XXXX fund to Wells Fargo, they revised my rates to 3.5 %, which is still higher than the rates that I locked. I was told by XXXX that the underwriter didn't want to approve my loan because rates have gone up so fast that " nobody wants to lose money ''. 

I was contingently approved by Wells Fargo on XX/XX/2022. They asked me to provide sourcing information of XXXX foreign transfers despite of the fact that I don't need the XXXX foreign transfers for down payment. In order to close on time, I provided them with gift letters and bank statements of the foreign accounts despite of the fact the foreign transfers are not part of the transaction. The underwriter wrote in an email that " with funds from XXXX, there is the additional concern of structuring to circumvent international law ''. The accusation with no proof is deeply troubling. The underwriters kept questioning my parents bank statements even though they've received gift letters and 2 month of statements from my parents. Ive confirmed with them multiple times that that I dont need the foreign transfers for the down payment and the fact that I have {$250000.00} with Wells Fargo that can be used for down payment but is not needed. 

My loan agent told me that with our income, credits and down payment, we wont have a problem getting a loan from any other bank other than Wells Fargo. He suggested me to move on to other banks and agreed that the underwriting team is unreasonable with me. With the rising interest rate environment, the 30-year interest rate is north of 5 % instead of 3.75 % that I locked one month ago. In addition to the financial loss, as a new mom, Im emotionally XXXX as a result of the process. My loan agent knew that I was offered better rates by XXXX and XXXX  XXXX XXXX when I shopped rates in early XXXX. I chose Wells Fargo as my lender due to the trust I placed with the bank. However, Wells Fargo failed me because they evaluate loans based on race and sex instead of based on personal qualifications of credit and income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH XXXX  AND TRANSUNION. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts DEPT OF EDUCATIONXXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX DEPARTMENT OF EDU XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX 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
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX  XXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION IMMEDIATELY
Product: Mortgage

My mortgage was sold in XXXX by XXXX Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. Notice from XXXX arrived 2 days late. Informed NOTHING would change. Called Seterus to make payment and was Instructed to wait until the XXXX to contact them. 2 days later received letter from Seterus saying I was late with mortgage payment. Made payment and 2 days later received large package of information on foreclosure citing that was behind in payment. I called Seterus ' " customer service '' concerned I have a history of a late payment with this company and wanted to know why. I was hung up on. 
I have paid XXXX, XXXX and XXXX 's payments but then I get a notice of an escrow increase. That is odd. XXXX reduced by escrow in XXXX based on actual payments to city. and I have not been notified by the city of any increases in tax bills. Is this increase for increased Seterus fees? If so what happened to all terms remain the same? 
I would ask for full accounting and audit of my account and any reference on record be redacted from ALL records owned by or under control of Seterus.
Product: Debt collection

XX/XX/XXXX, I received a claim from Source Receivable Management that I owed {$4100.00} from an account that was opened up with XXXX. I have never been any kind XXXX customer. I have never opened phone lines with XXXX. I contacted SRM and XXXX. XXXX instructed that I had to file a police report along with their required paperwork. I filed a Police report and all of the requested documents. XXXX even asked that I come into a physical location in order for them to make a copy of my ID. I did, spending hours in store. I believe that they denied my fraud request. SRM continues to call me telling me that money is owed. My credit has been negatively affected. 

This is the second time that someone has opened up phone lines in my name. In XXXX, someone opened up phone lines in my name with XXXX. I have never been a XXXX customer. I filed a Police Report and all the required paperwork with XXXX and they found that it was fraud. It was removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are time limits governing when a creditor can sue you for a debt. These laws are called statute of limitations. In Maryland, the statute of limitations requires that a law suit be filed within 3 years for written contracts to include credit cards. 

XXXX made three erroneous updates on Equifax report with 2 accounts ending in XXXX and 1 account ending in XXXX. Then on XX/XX/2018 XXXX went on XXXX looking for another dispute from me, changing an account to read XXXX using company bureau ID XXXX.
Product: Debt collection

I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.
Product: Mortgage

Requested Loan modification XX/XX/XXXX from XXXX XXXX XXXXXXXX XXXX takes application, asks questions, does not issue Loan modification after 8 months of back n forth information trade, XXXX Transfer Servicing to Shell point Mortgage. 

XX/XX/XXXX - Transfer Loan to Shell Point Mortgage XXXX XX/XX/XXXX - Loan Mod is executed terms agreed to include past payments, back interest, and Taxes / Insurance. 
XX/XX/XXXX - first payment made by home owners XX/XX/XXXX till XXXX - All payments made on time XX/XX/XXXX - Shell point does an escrow review and finds an {$10000.00} deficiency, increase monthly payment by {$900.00} on top of agreed upon modification amount, demands payment start XX/XX/XXXX. 
XX/XX/XXXX - Homeowners challenge Shellpoint to show proof of loan mod terms and why is there any deficiency, since mod would include any back payments amounts, interest and taxes. 

NO solid information provided to substantiate Shell point claims other then standard run around and threating us with legal actions from XXXXhell Point. 

We believe XXXXhell Point has Violated the Real Estate Settlement Procedures Act ( RESPA ) and we seek assistance in dealing with this predatory lender / servicer
Product: Credit reporting

THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1 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 1 5 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

I XXXX XXXX XXXX, demand a full file disclosure in pursuant to 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S.Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify any valid claims of alleged debts in the name of the principal obligor.
Product: Checking or savings account

On XX/XX/XXXX, my XXXX brokerage account was restricted due to unknown " safety '' concern which XXXX refused to disclose. I wasn't able to withdraw my fund since then. There is a total of XXXX XXXX dollars in my account. 

Later on they asked for documents ( bank statements, ID, passports, selfie ) which I submitted by XX/XX/XXXX. Then they told me they would review and notifed me of the decision on XX/XX/XXXX. 

On XX/XX/XXXX, they just postponed the decision making to XX/XX/XXXX. 
On XX/XX/XXXX, they even postpone to XX/XX/XXXX. 

When I called XXXX, they just asked me again to provide the same document which I already provided before. The waiting is endless and they keeps asking me for tons of documents and inifintely put restriction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My merged credit report has inaccurate information. I've tried tirelessly to get this information removed.

According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose. 



XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX Experian XXXXXXXX Date of origination XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XX/XX/XXXX last payment XXXX XX/XX/XXXXXXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian Credit Union XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} Experian. {$23000.00} XXXX XXXXX Date of last activity XXXX XXXX XX/XX/XXXXXXXX Experian. XX/XX/XXXX XXXX. XX/XX/XXXX Last payment XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX. XX/XX/XXXX