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

In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with Experian. 

XXXX is not reporting my history to Experian correctly. The other two bureaus are ok. 

1 : XXXX is reporting to Experian that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from XXXX ( attached ). 

2 : Because this account was negative when it was closed, XXXX needs to report a Date of Original Delinquency to Experian. Right now, the date Experian is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. EQUIFAX STATED THEY GOT THEIR INFORMATION FROM A DATA FURNISHER. I DON'T KNOW THIS COMPANY!!! 
As of XX/XX/2021 the FDCA laws for collection companies went into effect. This collection company is practicing Parking on my credit report which is illegal. I never received a model form XXXX or any notice they were going to place this account on my credit report. Equifax deleted these accounts then months later placed it back on my credit report without proper notice to me. 

Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. But yet Equifax refuse to provide what they received from Collection Bureau.

I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also 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 an account without my written instructions. 

These are the accounts reporting on my report Equifax reinserted back into my credit file without proper notice. 
XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXX XXXX XXXX - {$50.00} - XXXX XXXX XXXX - {$71.00} - XXXX XXXX XXXX - {$130.00} - XXXX XXXX XXXX - {$170.00} - XXXX I NEVER GOT ANY OF THE INFORMATION REQUESTED BELOW!!!! Equifax just keep stating the law, it supposed to stay on my credit for XXXX years. I understand this but I need documentation for XXXX XXXX to justify. 

Please submit proof I accepted their XXXX terms, the original purchase agreement with my signature that shows XXXX XXXX is the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement, HIPPA documents with my original signature for each account, original application and all statements from open to close or remove this illegal account.
Product: Credit reporting or other personal consumer reports

These companies ran my credit over and over. Please remove these hard inquiries off my account immediately. These fraudulent hard inquiries have affected my credit score, as well as keeping me from finding a place to live. 
XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automotive XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, COAF, XXXX XXXX has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Money transfer, virtual currency, or money service

I have been a good member before Covid. I lost my phone and majority of my credit card was maxed as it was difficult for me to get a new job due to Covid and I ended up becoming homeless. 

Date : XX/XX/2023 CHASE BANK XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. CHASE CUSTOMER SERVICE - DISPUTE PROCESSING Re : To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to C O V I D - 19, and as a result, I missed several payments. 
According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me. 
To make your process of deletion easier, please find the late payment dates below ( which I would like removed ) : XXXX I appreciate your time and consideration. Please, contact me by physical address/mail or email only, which are both verified and linked to the account I hold with you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX
Product: Mortgage

When COVID 19 hit this past spring, I signed up for CHASE to defer my mortgage payment 3 months. In that 3 months I still choose to pay the mortgage. Once things became a little harder and Covid wasnt going away, in XXXX I called Chase to extend the arrangement and see what other options were available. The automatic system immediately said it would enroll me in another 3 months, I spoke to a rep who explained in XXXX they would have other options, throwing on back end, repayment etc.. and to call back in XXXX. 

When I called in XXXX, ( I have not paid the Mortgage since XXXX ), I was told it could be extended again for another 3 months. 

During this 3 months - in the middle of XXXX, I received notification that my mortgage was changing hands that Chase sold their mortgage portfolio to another company and as of XXXX this new company would take over. 

I have not paid my mortgage since XXXX. 

I called the new company this week to see what they have as options and to learn alittle about them. It then dawned on me that if my mortgage payment wasnt being paid ... it was in a deferred ... what about my escrow ... my taxes and insurance. 

NOT ONCE did Chase inform me that as part of this process of being deferred that they would PAY my taxes/insurance. Their website in the very beginning was just a simple click to enroll ... no extra information ... This deferment, unknown to me, has now left my escrow NEGATIVE. 

The new company, stated that the negative escrow would be analyzed during the yearly escrow analysis and whatever i was negative would then increase my new mortgage payment. So for example .... if my escrow was XXXX and I didn't pay it for 5 months .... that would be XXXX i would be SHORT in my escrow and that would INCREASE my mortgage payment ... XXXX and the inability to pay that would then cause for possible foreclosure ... XXXX Instead of having me become late with the City/State/School taxes ... and having to owe them .... I would have to find a way to make up this missed escrow. 

NOT ONCE did chase have any disclosure that spoke about the escrow being paid out. Everyone stated they would have options to tack it on the back of the loan ... THAT WOULD JUST BE THE MORTGAGE PART ... not the escrow .... The escrow would be due with in the next year .... when the analysis would show the negative and force the payment to increase. 

This is HORRIBLE that no one explained this to people during this pandemic. Had I not asked questions I never would have known. Once these escrows are reviewed in 2021, EVERYONE who had a deferment will be in the same position ... a MUCH larger payment ... .. 

This was missed by not only Chase, but by other companies as well. This needs to be addressed. It is misleading, false, deceptive and wrong.
Product: Credit card or prepaid card

In XX/XX/2019 I discovered that a fraudulent charge was made to my credit on XX/XX/2019 after the attempted charge on XX/XX/2019 was denied. 

I called First National Bank of Omaha and reported the fraudulent charge the was made by Investing Daily on XX/XX/2019 in the amount of {$140.00} for XXXX XXXX   XXXX. 

I also reported to FNBO that I had never done business with XXXX  XXXX  nor had I ever received any services from XXXX  XXXX. 

FNBO during their investigation called XXXX XXXX who told them at first that it was a renewal from a trial and earlier subscription. 

After receiving the denial from FNBO, I called FNBO on XX/XX/2019. The customer service representative could not find any prior charges made by XXXX  XXXX to my credit card for this subscription service which I have never received any services from them. I was told it would be resolved in my favor. 

FNBO again started charging late fees, interest and over due fees for this charge which was fraudulently made by XXXX XXXX. Neither FNBO nor XXXX  XXXX has been able to produce a signed written authorization or any other documentation proving that I authorized this charge to my credit card. 

I want the fraudulent charge removed from my account including all late fees, interest and over due fees. I want all negative reports to all three credit reporting agencies removed as soon as possible.
Product: Mortgage

Our home was severely damaged by a tornado on XXXX, XXXX. Due to the amount of damages, HomeLoanServ took the claim check to disburse the monies as needed. The first payout of {$50000.00} was sent to my home address when it should have been sent to the contractor. The check sat for a week at our empty house while we tracked it down and paid the contractor to start repairs. When I inquired why the check was sent to the wrong address, I was given an excuse. They blamed the post office, but the envelope was addressed by their employees. 
On XX/XX/XXXX the contractor sent the next invoice to be paid XXXX. No response. I called on XXXX and was told my email was sitting in the queue with " XXXX of others and didn't know when it will be addressed. '' I was told my adjuster XXXX was " on vacation last week. '' I was put through to him and was told that they needed to send an inspector to view the repairs before issuing the next payment. Meanwhile my house sits in disrepair exposed to the elements. Work was then set back to XX/XX/XXXX ; but without payment no work is being done. On XX/XX/XXXX I called my contractor and they have not yet been paid the amount requested on XX/XX/XXXX. HomeLoanServ was called by my husband and he was told that " the inspector only takes 3 days but was off on XX/XX/XXXX due to holiday. '' It has been XXXX days and yet no inspector, no pictures, and no payment. Meanwhile my family is displaced from our home and this is affecting our quality of life and our finances as my husband is out of work while we are displaced an hour from home and XXXX minutes from his job. He can XXXX XXXX that length of time due to XXXX. 
This also can potentially affect the integrity and stability of the home as it sits unrepaired and exposed to wind, rain, ice and snow.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX  Account Number : XXXX You are violating my rights on reporting an inaccurate report please delete this immediately 2. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Inaccurate information failure to perform an investigation per fcra regulation
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XX/XX/XXXX. They are located in XXXX  and I was in XXXX XXXX XXXX. We did a video call to see the vehicle and the sales person assured us it was a good running truck XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me I had to sign the loan docs before I took possession of the vehicle. The vehicle was delivered and it broke down 1 mile after getting it off the delivery truck. I called XXXX XXXX went back and forth with them for a week and they refused to do anything about it. I had use the warranty I purchased for an additional {$3500.00} and it cost me {$1500.00} out of pocket after putting down XXXX on it. Once I got it home after being repaired, the oil started leaking, the truck overheats and there is a knock in the engine. The truck has never been on the road or even registered in XXXX XXXX  ( Ive put 10 miles on the vehicle & have the proof ) I am at a loss. I can not continue to make payments on something that has never worked and it makes me sick my credit is going to suffer. I could've refinanced, but it's going to cost another XXXX or more to fix the current issue with the vehicle with the garbage warranty I purchased. Consumer Portfolio Services is the bank that holds the loan. I feel like I was totally taken advantage of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XX/XX/XXXX Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dispute of Unauthorized Hard Inquiries and Identity Theft Dear Equifax This letter formally disputes three hard inquiries on my Equifax credit report that I did not authorize. The dates of these inquiries are [ XX/XX/XXXX ], [ XXXX XXXX ], and [ XXXX XXXX ]. These inquiries are [ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I have not applied for any credit or loans with these dates. I believe these inquiries are fraudulent and constitute identity theft. 

I have attached a '' relevant portions of a copy of my identity theft report '' ]. These documents demonstrate a lack of authorization on my part for these inquiries. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THE XXXX  ACCOUNT IS STILL REPORTING MISINFORMATION TO MY PROFILE. AFTER SEVERAL ATTEMPTS FROM CONTACTING THE CREDITOR DIRECTLY AND CREDIT BUREAUS VIA CERTIFIED MAIL. I WAS ADVISED THE ACCOUNT WOULD BE REMOVED DUE TO THE INACCURATE INFORMATION BEING REPORTED. THIS HAS SEVERELY IMPACTED MY CREDIT. 

EACH COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681 EB. 

THESE COMPANIES ARE REPORTING INACCURATE : PAYMENT DATES, PAYMENT HISTORY, AND ACTIVITY. THIS ACCOUNT SHOULD'VE BEEN REPORTED AND FURNISHED THE EXACT SAME TO ALL CREDIT REPORTING AGENCIES. AS AGREED THIS ACCOUNT WAS, PAID, SUPPOSED TO BE UPDATED AND DELETED FROM MY CREDIT PROFILE.
Product: Debt collection

The company ( ERC ) contacted XXXX of my family members ( including my wife, sister, mother, XXXX daughters, and my sister-in-law ) about an alleged debt to XXXX, using language that suggested they were a law firm. They specifically referred to " legal papers '', and gave a " case number '' to the family members. They made these calls after first calling me and leaving a voicemail message.
Product: Mortgage

XXXX XXXX XXXX Servicer Name : Peoples Mortgage Company ( XXXX ) Servicer Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Phone Number : XXXX ( XXXX ) Fax Number : XXXX Multiple documents that I have submitted are not being received by XXXX. When a follow-up call was made to XXXX, XXXX was informed that the docs. are not visible to XXXX reps. although they are show as being uploaded on my view. I have actively been trying to submit documents online and my file has been closed each time because the documents were not received by XXXX. 

XXXX of XXXX, I applied for forbearance during the COVID pandemic because my total household income was reduced to less than half due to job loss. Before the forbearance time limit was exhausted in XXXX of XXXX, I applied for a loan modification. The packet was sent to via U.S. but never received. I requested another packet, and it was received, completed, and returned. XXXX of XXXX, I was told that it was denied because of missing information. Once again, I requested a Loss Mitigation Application Package that was reviewed on XX/XX/XXXX and determined to be complete. During this time, I tried to make payments because the documents were not being received in time and I wanted to avoid foreclosure and keep my home. I spoke with multiple XXXX employees who said that I could not make a payment while applying for a modification, but they assured me that the home would not go in to default foreclosure, and that my credit would not be effected, ( please review the recorded calls ). The loan modification was apparently approved XX/XX/XXXX. XX/XX/XXXX a COVID partial claim was approved. On XX/XX/XXXX, the home was in foreclosure. 

XXXX Letter sent to XXXXXXXX XXXX XXXXXXXX XXXX XXXX stating my intent to keep my home, followed up on XX/XX/XXXX. 
XX/XX/XXXX Documents uploaded to https : //loansolutioncenter.com/ but are not seen by XXXX staff XX/XX/XXXX XXXX followed up with XXXX and XXXX XXXX no answer with either, left messages with both. 
XX/XX/XXXX XXXX contacted technical support at XXXX, to no avail. I explained that documents previously submitted are not visible to XXXX reps. although they are show as being uploaded on my view. Tech. Support had no solution. 
XX/XX/XXXX Spoke with XXXX and my account was closed due to inactivity! Documents were still not visible to them. 
XX/XX/XXXX called XXXX. again and spoke to non-attorney rep. I asked for a reinstate amount and was informed that it would be provided in 5-7 business days. 

XXXX Called XXXX again, frantically begging for a solution and I was told that I should send the info. Via certified mail, fax or email. Approximately 30 documents were sent via email to XXXX 10 emails sent with the subject line : Urgent! Please Review ASAP. Documents Uploaded but Not Viewed XXXX called XXXX and was told that account was closed, again due to inactivity/incomplete package being uploaded. No, not again! Please help. Only 3 out of the ten emails I sent were received. 
XXXX Complaint filed with : Consumer Financial Protection Bureau XXXX XXXX ) XXXX https : //portal.consumerfinance.gov
Product: Credit reporting or other personal consumer reports

I've revealed many times now that I've been a victim of identity theft. You must remove/block any items opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA 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
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost 2 years I have been fighting with transunion to removed fraudulent information from my credit report. I have filed complaints with the CFPB 5 times about this and the CFPB has not done anything to actually correct the issue. I have a file of receipts from certified letters I have sent, for complaints filed with the CFPB and recorded phone calls. The last complaint filed a few weeks ago netted the same results as the rest and that is NOTHING was changed or corrected. I got the same lie from transunion over and over and the CFPB ate that lie up and accepted that same lie over and over. I have filed with the states attorney general and I am speaking with an attorney as well. The incorrect information is still on my credit report as of XX/XX/2023. I'll upload more proof just like all the other times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see kohls on my credit report as a hard inquiry and I didnt apply for credit at kohls and I want it removed. Thank you
Product: Debt collection

Date XXXX fraudulent loan take. Out at XXXX XXXX  date reported to credit company Now it is with Jefferson capital collection agency for over {$3000.00}. I have fought this and disputed this for years. In XXXX  I was a victim of identity theft while I was XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proper deferment documentation to ACS on  XXXX / XXXX /2017. Document was never processed and put in default status in error. ACS offered me a repurchase form in  XXXX /2017. Form was submitted  XXXX / XXXX /2017. Repurchase form is not processed to date. Many apologies for the error but no resolution.   XXXX   XXXX   is not willing to participate in a conference call with ACS to hear directly that this was an error on their end and ACS is not providing documentation of the error in order to pause recovery activity until the repurchase request is processed completely. Assistance is needed urgently.