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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the presence of incorrect hard inquiries and inconsistencies on my credit reports with XXXX and Experian. Despite my repeated attempts to dispute and address these issues directly with the credit reporting agencies, I have encountered limited response and no satisfactory resolution. I urgently need all incorrect hard inquiries and inconsistencies removed from my credit reports without further delay. 

Details of the Complaint : Incorrect Hard Inquiries : My credit reports with XXXX and Experian contain hard inquiries that are either incorrect, not associated with me, or lack accompanying information. 
These incorrect hard inquiries are negatively affecting my credit score and creditworthiness. 
Inconsistencies : Inaccuracies and inconsistencies are prevalent throughout my credit reports, affecting account information, credit utilization, and payment history. 
These inconsistencies are causing substantial harm to my credit profile. 
I kindly request that the Consumer Financial Protection Bureau intervenes in this matter on my behalf to help expedite the removal of these incorrect hard inquiries and rectify the inconsistencies present on my credit reports with XXXX and Experian. Accurate and reliable credit reporting is essential to my financial well-being.
Product: Debt collection

The VA sent me to XXXX XXXX for a evaluation of my XXXX. XX/XX/20 This visit was scheduled by the VA and approved by their Insurance Carrier XXXX XXXX. 
I took the approval letter with me and they made a copy for their records. 
On XX/XX/20 a collection company called and I provided them this this Information. 

Now I received a letter from RMC Receivables Management XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have MARKED my credit report and caused my credit score to DROP 62 points. 
I Contacted XXXX and disputed this, they agreed with me and removed the Mark from my report, but my score has suffered and will take time to build it back. 

My complaint is that they filed a FALSE Report with XXXX to Clearly HARASS ME! 
I'm XXXX years Old, A XXXX Veteran, And have a XXXX XXXX CONDITION!
Product: Debt collection

I received a call from a woman named   XXXX   XXXX   claiming she was representing   XXXX   XXXX  . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Product: Debt collection

I keep getting calls from Trans World Systems, XXXX. I have told them on at least two occasions that they have the wrong person and phone number but the calls continue. In their recorded message they refer me to an XXXX at an XXXX number.
Product: Debt collection

I am being reported to credit agencies for a medical debt. I contacted AMCOL systems at XXXX and requested verification of debt. what I received was a letter on AMCOL letter head saying I owe {$1800.00} on acct XXXX and {$110.00} on acct XXXX. it also included a bill that says patient balance due is XXXX. yet I am still being reported. If I owe the bill I will pay it. but I do not believe this is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Mortgage

OMG - AFTER SUBMIITTING SUBMIITTING MY REQUEST TO HAVE THIS ESCROW ATTCOUNT REMOVED ON OR ABOUT XX/XX/XXXX. THAT THEY JUST MADE ON XX/XX/XXXX, XXXX A {$15000.00} TO NOW LEAVE ME WITH A NEGATIVE ESCROW BALANCE OF $ XXXX TO MY INSURNCE COMPANY AFTER I HAVE PROVIDED MUTLTIPLE PROOFS THAT - I AM FURIOUS AND THIS IS UNBELIABLE BEHAVIOR ON BY THIS COMPANY - JUST 3 DAY DAYS AGO I REFVIEWED MY ACCOUNT AND HAD A POSITVE BALANCE - THEY DID ALL THIS AFTER I HONORABLY SUBMITTTED TO HAVE MY ESCROW -- -- THIS BEHAVIOR IS OUTRAGEOUS!! THIS WAS ALL DONE AFTER I SUBMITTED A REQUEST TO DISCOUNTINUE THEIR ESCROW ACCRUAL ON MY ACCOUNT- THIS IS INTENTIONAL AND DEVIOUS. " PLEASE NOT I STARTED TYPING THIS NOTE BELOW AND JUST CHECKED MY ACCOUNT TO FIND THEY MADE A PAYMENT AFTER RECEIVING MY NOTICE TO DISCONTINUE - I AM FLAT OUT ANGRY- THIS IS DISHONEST AND INTENTIONAL -- -- I have met every criteria to have Selene Finance no longer collect escrow from me for my mortgage account. Selene Finance is collecting double the amount that is necessary. I now have more than {$4000.00} in escrow and my XXXX XXXX XXXX is being paid directly by me. Further, the more than {$2000.00} a month they are collecting for escrow is needed for my own household for myself and XXXX boys. I got a letter in response to them stating the process may take 30 days to review. I find this completely unnecessary as I have met all criteria to have Selene Finance stop collecting escrow from me. It is absurd! I am demanding an immediately action to reduce my monthly mortgage payment to just principal and interest, and allow me the homeowner to better manage my monthly household expenses myself with more than {$2000.00} that I will put towards providing for my XXXX boys. Thank you. XXXX XXXX XXXX. PLEASE SEE ATTACHED SELENE FINANCE LETTER ILLUSTRATING I HAVE MET VERY CRITERIA.
Product: Mortgage

during the processing of our mortgage, Primelending mortgage service  has not fulfilled their commitment for the locked rate. It caused us higher interest rate plus extra charge for the point. Their reason was we delayed the appraisal, which we have communicated with them it would have to be hold-back for a week. In turns, they keep delaying the disclosure statement, and escrow date was moved back twice due to their lack of response. The escrow service team and the vendor lawyer had contacted them numerous time to finalize the deal, the deal almost fell through.
we have contact Primelending and the reply was our fault for delaying the appraisal process, and our debt ratio exceed their guideline which has never been stated. Also, we have rental agreement with a tenant with a monthly payment qualify for the mortgage.
We much appreciated you could open an investigation into the issue.
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY ACCOUNT XXXX HAS VIOLATED MY RIGHT. 15 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES IA CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

I received an alert on XX/XX/18 from my credit monitoring notifying me that this account ( XXXX XXXX XXXX ) has been closed by the creditor without any notification. I have not received any documentation, statements, letters from this bank in years. The credit card was in great standing and I would have used the card more often had I known this would have occurred.
Product: Student loan

I applied for the XXXX  Program directly on the XXXX website on XX/XX/23. Per the XXXX website, my application was reviewed and processed on XX/XX/23. No information abut my XXXX application was communicated to me by Edfinancial. 

On XXXX, I began receiving statement notices about my payments that are set to begin on XX/XX/23, which clearly do not reflect an income-based total. I have called Edfinancial EVERY workday since XX/XX/23 and still have not been able to speak to anyone to get even some clarification about my payment. The wait times have ranged anywhere from XXXX minutes. The longest I have remained on the line has been over XXXX hours, which is unacceptable since in order to be able to repay, most of us have to work during the weekday. I've used the recall option twice, and an Edfinancial representative has never been able to call me back on the same day ( usually XXXX hours or more later ). Both times, the person hung up before I answered ( the last time it didn't ring more than once ). 

As I write this, I have been on hold for over XXXX hours. 

The lack of communication, horrible customer service, and long wait times is infuriating. This is completely unorganized, irresponsible, frustrating, and incompetent. I completely lack trust in this company. If Edfinancial could not prepare themselves well enough to begin borrower 's repayment, then we should not be expected to pay them until they get themselves together.
Product: Mortgage

Last XXXX I submitted a request to UWM to set up a property tax and homeowners insurance escrow account for me on top of my existing mortgage with them. They responded, they requested {$6500.00} to set up the escrow account. That was sent to them and I heard nothing from them, since XXXX! That is a lot of money to a single income household. And now they send me a message XX/XX/23 stating that I need to choose whether I want an escrow for insurance or for tax or for both set up? And, if my property taxes are due within 60 days I have to pay it before they can set up the account? Are you kidding me? I am so unbelievably angry right now. Take a look at my credit, I have XXXX scores and take so much pride in keeping my finances straight and paying on time. XXXX XXXX right now. I have attached proof of payment they requested to set up account, I provided their letter and my handwritten letter ( which was also requested )
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion all three have incorrect information and or have not deleted information from my credit report as they should have. One might have deleted it but the other two has not deleted it. My credit is up and down and will not get better until the three reporting MY CREDIT on an even basis. As one example, TDS was paid off but it's still on my reports for two of the listed above but it was taken off the other.. This is not the only one. Also I have requested from all three reporting agencies that the phone numbers, addresses and employment that they have and are showing to be removed. These things are not mine, I do not own them and they have nothing to do with me. The only address I have is the one I'm paying rent for, the only phone number I have is the one I pay for and I don't have a job at this point in time.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I nor any lender can access my trimerge credit reports because there is an error stating mismatch with Equifax. I've faxed in 2 letter and have made several calls, spending several hours on the phone with Equifax this week and no one is assisting me. The only options that Equifax gives me is to have lenders call them directly, or that there isn't anything wrong with my file. I've told numerous representatives that I need to access my credit profile because we are in the process of buying a house and it appears as if they have a freeze on my file and no one seems to care at Equifax. One manager actually told me to call back the next day because he couldn't help me, another manager stated that it was ok for me to file a complaint with CFPB if that is what I was willing to do instead of taking my advice on having my soft inquiries removed as a trouble shooting method. This happened to me in XXXX of this year as well and it took over a month before I could finally access my credit profile. This is unacceptable and I need whatever glitch or error there is on Equifax end fixed as soon as possible. They claim that all of my information is what they have yet, their automated system will not accept my information and I am unable to pull my credit profile using any of their direct methods via XXXX, equifax.com or even while speaking to a live representative attempting to activate the online profile for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items regarding XXXX XXXX XXXX XXXX that do not belong to me, however they are reporting to my XX/XX/XXXX report. I disputed the item with both XXXX and XX/XX/XXXX I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XX/XX/XXXX unlawfully combined my credit report into 2 different reports and I believe this information from XXXX XXXX XXXX XXXX is part of this. I am attaching a letter sent to XX/XX/XXXXand Transunion requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XX/XX/XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XX/XX/XXXX and XXXX have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with XXXX XXXX XXXX XXXX. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding XXXX XXXX XXXX XXXX. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from XXXX XXXX XXXX XXXX be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Your client XXXX XXXX here on an visa and with XXXX fake XXXX numbers XXXX and XXXX. Lying that he purchased XXXX XXXX XXXX in XX/XX/XXXX for XXXX from XXXX XXXX. He gave committed forgery cashing XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out XX/XX/XXXX. XXXX informed me yes he did it and make police report as XXXX Det. XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX. Recall that chase name this deed fraud under XXXX against XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke to boa mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title but is no clear title in this file. They have attached to your loan XXXX another loan as XXXX for XXXX to XXXX XXXX XXXX  and still hiding it and lying to me that they have it. 

On XX/XX/XXXX I spoke to boa checking XXXX XXXX and he said that fake XXXX number led to where XXXX XXXX cashed your XXXX checks into XXXX XXXX XXXX XXXX AZ same as XXXX XXXX XXXX XXXX XXXXXXXX XXXX just moved her office there a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from XXXX Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and Capital One Wont Still Remove This Account And Investigaion was Filed againts Capital One XXXX 2017 and Capital One Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my XXXX report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX 2024 XX/XX/XXXXXXXX XX/XX/scrub> 2024 2024
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/year>
Product: Credit reporting

Equifax refuses to verify credit inquiries on my file Equifax states it 's a matter of factual data. How can Equifax make that claim if they are not investigating the issue, stating that if I feel the info is false contact the creditors directly The creditor reported the false info in error and Equifax, the bureau of public record keeping should feel obligated to make sure the info they are keeping is accurate
Product: Credit reporting

In  XXXX  f   XXXX  , I filed a dispute request that a bankruptcy that had been included on my credit report be validated and verified with Transunion. I received a notice from both companies saying that the information was had been verified and that it would stay on my report. It also stated that if I had any further questions, that I should call the court for more information. Upon calling the  Federal Court bu ilding in  XXXX , I was told that they do NOT verify or validate information for ANYONE. I called both credit agencies, and was told that they verify through a third party. I then asked for supporting documents, stating that an outside company saying the info was correct was not enough. I was told that they were not required to validate or verify info with the ORIGINAL REPORTER, and that t he third party was enough. I responded that it was not, and that by law they are required to research the dispute with the original reporting agency ( just like they make consumers do ).      I want this item taken off of my report immediately or make be forced to take other avenues for actions, and/or restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an auto loan and was turned down because a company I never heard of reported my score at XXXX. I use XXXX XXXX and check my score several times a week and they all report my score to be over 600. I have NEVER heard of this company before. 

SageStream should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with Sage Stream and other agencies.

This information may indeed allow mischief on their part, in order to gain new customers for their  XXXX services. In addition all of this information and data can then be and is most likely given to " ID Analytics '', which ultimately provides this data to a credit reporting agency called Sage Stream,  all of the above in which is owned by " XXXX XXXX ''. 
A major Bank issuing around 163 store branded ( closed loop ) credit cards, XXXX XXXX  uses Sage Stream, and as it appears they depend on the Sage Stream report 100 %, when deciding to issue credit or not. 

SageStream says their reporting ranges from 1 to  999 ... WHAT? Ive never heard of this in my entire life either.
Product: Debt collection

This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.