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

XXXX has improperly frozen our HELOC based upon wrongful information in our credit report. Even though we contacted XXXX immediately, they said they would not fix their mistake until we got a letter from our first mortgage company stating that their info was wrong. And now that we have that letter, their customer service  keeps failing to resolve the issue ( the last straw was today when they forwarded us to an online survey and " special offer '' when they said they were transferring us to the HELOC department who would fix the problem ). XXXX 's customer service has been atrocious, XXXX clearly ignored information in our credit report stating that the wrongful information had been flagged, and was under review and/or already in process of being corrected ; and now that I've followed their instructions ( and spent time and money hiring a lawyer to get this fixed ) they are non-responsive via their own customer service system to get this sorted.
Product: Credit reporting or other personal consumer reports

Inaccurate personal information and inaccurate accounts. please see attachment.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of IdentityTheft due to the XXXX Data Breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. I called Transunion and I continuous get stall letters and no investigation or removal of any of the fraudulent accounts and inquires.The information listed, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. 
XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$750.00} ). Equifax has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX TRANUNION LLC Consumer Disputes XXXX XXXX XXXX XXXXXXXX XXXX, XXXX and/or XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir/Madam, Subject : Request for Removal of Bankruptcy from Credit Report I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy filing listed on my credit report, which I believe is inaccurate or outdated based on the following reasons : 1. Error in Verification process. 
You are improperly reporting an alleged Public Record on my consumer report that is clearly in noncompliance with recognize METRO2 Reporting Requisites per the CRGG as well as FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less public record that was not even reported to you by the alleged Court of Record. Immediately, DELETE ALL record of the following alleged public record, or else provide proof and the verification process of how that proof was obtained by you and that you have verify each notation for the maximum possible accuracy and compliance with all METRO2 reporting standards. 

For your reference, I have attached A letter from the United Stated Bankruptcy Court stating that they do not verify information with the credit reporting agencies. So they verified information is inaccurate or incorrect I would appreciate it if you could review my credit file and remove the bankruptcy listing as soon as possible. If further action or documentation is needed from my end, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of the bankruptcy from my credit report. 

Sincerely, XXXX XXXX XXXX number : XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2021, there is a hard inquiry made by Discover Financial Services. I have contacted the company with the number provided on my credit report. The company has told me that they have no information regarding that date or that someone used my information to take a loan out/credit card. I called XXXX to see if I can take the hard inquiry out. XXXX said have to make a report with the Federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps reporting an old state tax lien on my credit in the amount of {$19000.00}, they are not supposed to report liens of any kind on my credit, this is a 15 U. S. 1681i, and U.S. Code 1692g wilfull noncompliance, and validity of debt falsely reporting same account twice, and reporting a State tax lien, which is a civil liability on their part. And they are in 15 U.S. Code ss 4504, statute of limitations violation, after the date of first delinquency, the debt is to be removed from the credit report 7 yrs later, they have kept this old debt on my credit report now for 13 going on 14 yrs, they are required by the Fair Credit Reporting Act to Delete this old tax lien account from my credit report. Whether they are reporting monthly payments or not. Instead of violating the act, they need to be in compliance with the laws, and rules set forth to protect consumers from unfair credit reporting. Delete the items or I will sue Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made.I already filed a Identity theft FTC report. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX. Date of XXXX : XX/XX/2023. Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX added a false debt claim to my personal credit report. I filed a complaint with both XXXX XXXX and Transunion where I asked XXXX XXXX  to provide proof of debt application with XXXX XXXX XXXX and signed loan documents with XXXX XXXX XXXX and proof of debt assignment to support their false claim. XXXX XXXX has never provided such proof and it has been more than 30 days. 

The law requires that in absence of proving legal proof of debt owed with debt application and signed debt agreement from the original lender and proof of assignment from the original lender to the current debt collector, the collection claim must be abandoned by the debt collector and the collection must be removed by the Credit Agency.
Product: Debt collection

Worth Finance mailed a random check to my home address, at the time XXXX XXXX XXXX, XXXX XXXX TX. XXXX XXXX the check was cashed. I knew nothing about the check and told them this when they came to my door. They put the debt on my credit report status closed in the amount of {$1100.00}. I have tried since XXXX to pay the balance and was told No I had to now pay {$3000.00}. I spoke with XXXX on XXXX/XXXX/XXXX who remember speaking with me in XXXX telling me again they would not allow me to pay the balance. I can pay {$99.00} a month, I told her I wanted to pay the balance of {$1100.00} and a letter stating the debt was paid in full. XXXX then stated she could not hear me so I called from my work phone. when she answered and I repeated I did n't think it was fair for their company to ask for XXXX on a closed loan, She then stated that the balance was not {$3000.00}. but {$2500.00} and it was lower then that in XXXX XXXX. I asked for a supervisor because as I explained to her. If the balance of this loan was less then XXXX in XXXX do n't you think I would have paid it. I am calling from my work number, which I gave her to give to her supervisor, which she stated was out of the office until XXXX/XXXX/XXXX. when I disputed the debt with XXXX XXXX, there was nothing done because they are one of Worth Finance main resources.
Product: Credit reporting or other personal consumer reports

Hello, When I recently looked at my PERSONAL CREDIT REPORT it shows a BUSINESS CREDIT card on it, It also shows 60 Days past Due. 
I did not authorize the creditor to put any BUSINESS CREDIT card on my PERSONAL CREDIT REPORT, I was never late on any BUSINESS CREDIT CARDS as well. THE CARD and the late payments needs to be removed IMMEDIATELY The account is XXXX XXXXXXXX XXXX
Product: Mortgage

JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.
Product: Payday loan, title loan, or personal loan

I received a loan from payday lender XXXX on XX/XX/XXXXin the amount of {$970.00} with an interest rate is $ 772.94 %.
I contacted the lender in XX/XX/XXXX to request an extension for the {$290.00} that was scheduled to be drafted from my account on XX/XX/XXXX.
I spoke with a Representative named XXXX*****. He agreed to the extension and to submit a {$250.00} payment to my bank on XX/XX/XXXX. When I advised that I would be filing a complaint with the Federal Trade Commission, he came up with a new payment plan.
I feel like I am paying double the amount that I borrowed ; here is why : Loan amount of {$970.00}.
1st payment {$330.00} on XX/XX/XXXX 2nd payment {$290.00} on XX/XX/XXXX 3rd payment {$290.00} onXX/XX/XXXX 4th payment {$250.00} on XX/XX/XXXX Total {$1100.00} The new agreement is {$250.00} to be paid on XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. Final payment of XXXX onXX/XX/XXXX
Essentially, that is an additional {$970.00} which is the same as the loan amount. Currently, I am unable to pay more towards the principal or pay off the balance.
I feel as though I have no other option with settling this loan, and that I would have been better off making payment arrangements for the bills that led to borrowing from a payday lender. NEVER AGAIN!!!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrieXXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Debt collection

Hello, KIRSCHENBAUM AND PHILLIPS of XXXX XXXX County sued me without my knowledge for a credit cart debt of {$5700.00} which I was unaware as I never signed up for that credit card, and whose fraudulency I am attempting to prove, however I can't move forward on the case because I have contacted the agency repeatedly with requests for the paperwork ( the validation papers, proof of debt, and court case ) which, according to law, the agency should provide me within 5 days of my request. 

I requested the paperwork on XX/XX/XXXX ( told it would take at least 30 days ), XX/XX/XXXX ( with the insistence that it be sent in 5 days ), XX/XX/XXXX ( when the agency claimed it was sent on XX/XX/XXXX, yet  mysteriously never arrived even though there is a doorperson at the address ), and again today, XX/XX/XXXX, when the three people I spoke with refused to give me any answers. 

I know legally the agency is in the wrong by not getting me the papers, but that's not helping me to force them to send me the papers as they are required to. I would therefore like to file a formal complaint against KIRSCHENBAUM AND PHILLIPS and request help getting the documents I need for my case. 

Many thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my report.
Product: Debt collection

XX/XX/XXXXXXXX  I was contacted from someone from, I think, XXXX XXXX, about a credit card from XXXX XXXX I've never heard of them or had a card with them. I was told I had the card from XXXX to XXXX and was being sued for breach of contract. ( The company was sold off in XXXX ). 

I was told I would have a lein put against my house, my credit would be destroyed, and they would take the money in my bank. I was also told I would be served court papers on Monday. ( This is Saturday ). I was asked to pay this large sum of money by phone and then when I said not until I see proof of the debt, he said he was marking me as refusal to pay. 

The man was quite rude, and I wasn't allowed to ask any questions. When I did, I was told I didn't know what I was talking about ... how I never had this card and it was never on my credit report... I was told that not everything shows on the credit report. Eventually I was hung up on. 

I was refused anything in writing. I was told I would find everything out in court. I said I needed to know things to prepare for court. I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc, is keeping my consumer credit report information XXXX ; it's an unjust system. This is predatory and XXXX, as it prevents me from verifying the accuracy of my consumer report. 
I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Equifax Inc, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from Equifax. 
I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. 
My consumer report contains an error, I have the legal authority to ask Equifax which report my consumer reports under the FCRA. I called Equifax over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent Equifax my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX 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: Mortgage

XXXX XXXX XXXX XXXX XXXX speak with LoanCare We submitted a loss mitigation application to help lower our mortgage payment. The previous modification resulted in our mortgage payment soaring over {$500.00}. We called and asked about any other waterfall programs available and were informed that there was a new program that allowed homeowners to receive payment supplements towards their mortgage for 3 years. 

The rep we spoke to at that time said that we needed to wait until received the new payment package and call back if the amount was still too high. She reviewed our account and stated that she saw no issues with our eligibility. 

We received our new payment amount under the newest modification agreement and the payment rose even more. A call was placed to the collections department where a very rude representative spoke so fast, kept placing me on long holds, and didn't assist with assisting us with understanding why the payment went up and to request a review for the payment supplement program. 

He told us that we don't qualify because we don't have any partial claims funds available and that we need them for a payment supplement. I asked how was that possible since the supplement program was under 2 months old? He claimed his supervisor was advising him that we weren't eligible. 

Due to what I interpreted as a poor attitude, I respectfully told the rep that I didn't appreciate how annoyed he sounded when I was asking for was clarification. We still don't know what is going on and why we weren't told the correct information about the payment supplement program and why we aren't able to work out a lower payment amount to remain in our home.
Product: Credit card or prepaid card

On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). 

The bank subsequently informed me that they were closing the account. 

On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. 

On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. 

I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement.
Product: Mortgage

My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. 
I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. 
When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.