23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to adequately investigate my credit disputes as required by the Fair Credit Reporting Act ( FCRA ) .Despite my follow-ups, Equifax has not adequately addressed these issues. This failure has had a significant negative impact on my credit score and financial opportunities.I appreciate the CFPB 's assistance in resolving this matter and ensuring that Equifax adheres to the legal obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK IT AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, Equifax only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Equifax did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Payday loan, title loan, or personal loan

I was denied credit by AVANT which is a violation to my consumer rights per 15 U.S. Code $ 1681m - Requirements on users of consumer reports which states ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ) ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report..
Product: Credit reporting

I have a debt that began with XXXX . There was a payment plan started that I was payment on auto withdrawal from my bank account. The collections company sold my debt to another company without notifying me. Through me checking my credit report unnoticed I had a debt to a new company that I was not familiar with and I called them only to find out they had me in the system as being past due. I had to create a new payment plan and I was able to lower amount owed. However, my credit report now after two months still shows I owe over {$400.00} which is only a little under {$300.00} with a derogatory status. When the account should show Payments made on time.
Product: Bank account or service

I am XXXX veteran on XXXX XXXX a transfer was made from my account ; in the amount of {$1200.00} from my direct express account without my authorization, I have sent several letters and all requested information, regarding the dispute ; was told today, they closed the investigation ; without discovering what happened to my money. Please help me recover my money. I have tried repeatedly to get answers from direct express, without any response!
Product: Credit reporting or other personal consumer reports

I cancelled my insurance with XXXX XXXX XXXX  XX/XX/year> and just recently i was reported to collections. When I called XXXX XXXX told me she accidentally reported me to collections.
Product: Mortgage

Ditech bought out my mortgage from XXXX XXXX which was later bougth out by XXXX XXXX. It shows I have 2 open mortgages and my credit card companies are lowering my credit or closing my accounts. I called and emailed Ditech and I have gotten no answer. This needs to be removed quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX XXXX I was XXXX  due to XXXX and XXXX XXXX  Have a XXXX XXXX XXXX XXXX  XXXX XXXX. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and XXXX XXXX only concern is about getting paid. 
I have two other XXXX XXXX accounts in good standing, never been late and both open for a period of time.
Product: Checking or savings account

After reviewing my Chexsystems accounts I noticed accounts that were not familiar to me. I sent a validation letter to Chexsystems and have yet to receive any information that justifies the reporting of the account on my Chexsystems report. Please find a list of accounts below. 

XXXX XXXX XXXX XXXX Account : XXXX / XXXX Due to the account not being validated, a fair revolution would be for the account to be removed from my report immediately.
Product: Checking or savings account

I am writing to file a formal complaint against Chase Bank regarding their unjustified withholding of funds from my business account. Below are the relevant details : Business Name : XXXX XXXX. Employer Identification Number : XXXX Location : XXXX, Minnesota Nature of Business : Repair and sale of computers and other digital devices In XX/XX/year>, my company provided services to XXXX XXXX and XXXX XXXX, earning {$1500.00}. The payment was processed through Chase Bank 's credit card acceptance platform. Despite fulfilling all obligations related to this transaction, Chase Bank has held the funds until now, causing significant financial and operational challenges for my business. 

I have attempted to address this issue with Chase Bank directly, but my efforts have not led to a resolution. To make matters worse, I can not even recall the specific date of the transaction due to the prolonged delay. 

This withholding of funds is unacceptable and has disrupted my ability to manage my business effectively. I request the CFPBs assistance in investigating this matter and ensuring Chase Bank releases my funds promptly. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed victory secret have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get any form of loan or credit because transunion is saying I cant for a reason they wont disclose. I tried to get my free credit report online. could not verify my identity, tried many times. I then looked for an email to talk to them. they don't have one. so i called them up, they could not verify me with an automated system and the automated system hung up on me instead of putting me through to a person who could help. this is extremely stressful as I cant get any form of credit and transunion refuses to offer ways to talk to me. my last option is mail and I don't own a printer. I have a XXXX and this is making this so hard to figure out why I'm getting rejected for unknown reasons. Transunion will not give me my credit report based on my factual and true identity. I have tried to talk to them but they offer no way to talk. They also tried to make me pay for my credit report and made the free report hard to find. I am extremely frustrated and don't know what to do, i feel like i'm being harassed by this company who are blocking me from getting info on why i'm being rejected. when i input my info correctly its up to them to use that info and get my identity, if they cant do that, they are doing their job wrong. if i gave them a rating on how well they did it would be 0/10. I tried going to other sites but they all require transunion to do their job, which they fail at.
Product: Credit card or prepaid card

On XX/XX/2022, I applied to Paypal Mastercard backed by Synchrony bank. The application prompt said " application was not approved due to credit freeze '', though I have no freeze enforced and I received 2 hard inquiries from Synchrony bank on my XXXX and XXXX credit reports. I called Synchrony bank 's new account department and the agents weren't able to confirm these hard inquiries initiated by Synchrony bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Deletion of Account from Credit Report To Whom It May Concern, This letter confirms that XXXX XXXX XXXX has agreed to delete the following account from the credit report of XXXX XXXX : Account Holder Name : XXXX XXXX Address : XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Installment Date Opened : XX/XX/XXXX This account is currently marked as open with a {$0.00} balance. In accordance with applicable regulations and our agreement, we request that this account be permanently removed from XXXX XXXX 's credit report. 
Please process this deletion promptly and confirm the update in writing. If additional information is required, please contact us at the details provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX ___________________________ Authorized Representative Signature Page XXXX
Product: Credit reporting or other personal consumer reports

Hello, I had to fill out an application to rent a room in XXXX. XXXX. 
I thought there would be a problem since I had all reporting agencies freeze my credit after that huge data breach at XXXX XXXX XXXX and after finding out that my social security number was found in the dark web. 
TransUnion is the bureau that -XXXX- uses to screen applicants. 
The application, with all the information listed in the credit check, was given without any problem. 
I was quite surprised, since I thought the credit had been frozen over a month ago. 
I then went of TransUnion site and I saw -- CREDIT FROZEN!!! 
It is obvious they are lying, and laying again after being punished for doing the same thing a few years back. 
Now, we the consumers who are captives of these unscrupulous and often negligent companies, have no recourse, obviously. They get punished and don't give a hoot because they keep doing the same as if nothing had happened. 
They play with our lives, put us in jeopardy with their inefficient and often shabby modus operandi, such as not taking obvious precautions to protect our precious information. 
All my information is in the dark web. Some is wrong, and I wonder where they found that too. Probably some error from the bureaus was picked up and now is there in perpetuity. 
Who is going to protect us? They sell our information and on top of that they request money for services that should be free. But, of course, when you entrust the " private market '' with personal information, they always want to make a buck and can care less if they destroy your life or not. We are just numbers!!! What is really sad is that I CAN NOT FIRE this less-than- good company, I am stuck with them and the only thing I can do is cross my fingers and hope that no one will decide to steal my identity which is readily available at TransUnion site despite the freeze. 
Well, thank you for listening, but unfortunately I don't think there is much you can do, I am just one of the millions who have no clue their credit says FROZEN but is not.
Product: Debt collection

XXXX XXXX XXXX paid for service and ended service. They tried to charge me for equipment that I received statement of return acknowledgment. Ive proven this and removed it from credit reports once already and they are still ignoring the information provided. When I asked them to provide evidence, they said they cant go back in the system that far and therefore cant show me. Now a collection company called Credence Resource Management is harassing me saying XXXX XXXX XXXX sent them.
Product: Debt collection

Last week XX/XX/XXXX and XXXX of 2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to XXXX XXXX XXXX. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying XXXX thats 12x what I owed. They wanted payment now or id be going to court. Company is XXXX   XXXX XXXX XXXX XXXX supposely
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Factual dispute to XXXX, XXXX  and Experian on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. Experian has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and XXXX  has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I was offered a settlement of XXXX XXXX of what I owed ( that is not the same as my credit report ). I paid the {$2100.00} with XXXX XXXX but nothing changed, not even the amount or payment on my credit report. Now I have a judgenet against me filed 6 days later stating I owe the whole amount prior to the payment made and it claims I defaulted for failure to appear but I'm not sure what I did not appear to. I have filed a dispute with the credit bureau and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, for about two and a half years I have been working on my credit through XXXX XXXX, when I started my score was around a 450, I took all of the necessary steps to improve my credit to present day and it is now at a XXXX. I have a lot of credit inquiries from car shopping and now the only reason I'm getting denied from some of the Banks is because I have too many credit inquiries. From what I thought and from what XXXX XXXX  explained, there is a up to 45 Day Grace period When shopping for loans of the same type.And you will not be penalized for each individual credit inquiry, this is not the case, every individual credit inquiry is on my credit report and is now working against me after all of the work I've done to repair my credit .I have XXXX young children and I'm a single father and the only vehicle I have is my work vehicle which I can not use for personal use. From what I understand inquiries stay on your report for 2 years but unfortunately I don't have this time to come up with a vehicle, all of my credit inquiries are for an automobile purchase, I would like the two reporting agencies TransUnion an XXXX that report on XXXX XXXX to take a look at this and remove any inquiries that we're not group together under the same loan type policy. I've tried to reach out to them and it is difficult. Thank you for looking into my matter it is very much appreciated. My email is ( XXXX ) and my phone number is XXXX XXXX XXXX.
Product: Debt collection

Midland Credit Management , Inc. collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/2019 for an account number XXXX ( XXXX XXXX ) that does not belong to me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile there were items incorrect my name, addresses, phone numbers, accounts that I did not authorize and inquiries
Product: Student loan

They tell me my loan will be forgiven after  ten y ears and then you talk to another representative and they say  twenty  years. It started out with  eight  years. I 'm so confused. My loan is increasing instead of decreasing, even though I have auto pay. It went from  XXXX  dollars to  XXXX  dollars in  one  year! I wish I had never went into forbearance like they suggested in  XX/XX/XXXX . I have record of paying sinc e  XX/XX/XXXX , i t 's on my loan site, I followed their advice and it only made paying back the loan worse. Still to this day, one person says one thing ( in the same company ) and another representative says another. I think they are trained to do that. I just want to pay my loan off. I was even told one year ago in  XX/XX/XXXX , by someone  XXXX  at   XXXX   XXXX   on  XX/XX/XXXX , that I only had 100 more payments to go, because I had already made  twenty  payments and now I 'm just getting the run around. Not sure what is going on. Something about paying  XXXX  dollars in order to do something, not sure. Bottom line, I should never went into forbearance or try to get help with this forgiveness program. I would have walked to work if I had known all this was going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from AES and PHEAA, XXXX ID # XXXX From ASE and XXXX from PHEAA, both informed me that nothing has been reported since XXXX but according to my XXXX  credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.
Product: Mortgage

I am writing this complaint in regard to my mortgage compa ny Nation Star. I  applie d for the HAMP ( Home Affordable Modification Program ) bac k in  XXXX   XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.  <P/> So in  XXXX   XXXX  I re faxed everything again along with update bank statements and pay stubs. Fast forward to  XXXX   XXXX  and they now tell me I do not quality because the program has expired in  XXXX   XXXX  and they have put me in their own in house standard modification program where it decreases my payment by $  XXXX  {$15.00} per month. This is not a modification nor what I applied for. This  is ILLEGAL and  in direct violation of RESPA as well as many state and federal banking laws.  <P/> Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program  the ( HAMP ) progra m did not expire until  XXXX   XXXX ,  XXXX , the last day to submit applications, and the Modification effective date must be on or before  XXXX   XXXX ,  XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Milestone was sold to XXXX and then to XXXX XXXX. I paid XXXX XXXX on XX/XX/2022. The account shows XXXX. They told me that if I submitted the letter to Milestone it will be shown as XXXX XXXX or something of the like. 
It doesnt. It shows Derogatory and while there is a XXXX balance it doesn't mention me paying anything in good faith which is unfair. 
Milestone reps told me because they did not get the money they will be leaving it on there but I know that is unjust and illegal because they did get money during the chargeoff. 
I spoke to XXXX XXXX on XXXX XXXX at XXXX XXXX XXXX who claims it isn't here issue either. 
I have a receipt. 
XXXX XXXX XXXX says its not them to remove it but the 3 credit bureaus have assured me it is their doing. My rights have not been abrogated. Please delete this damaging account information.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 whom the report relates ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 information that the information has been modified or deleted from the file of the consumer. Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.