23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A representative, XXXX XXXX from a litigation firm called XXXX XXXX XXXX contacted me this afternoon, Wednesday XX/XX/XXXX in an attempt to collect a debt from an overdrawn US Bank account that was setup in my name in XXXX and later closed in XXXX. Ms. XXXX had the last four digits to my social and other details regarding the account in question. 

The debt they were attempting to reconcile was paid a number of years ago however they were still claiming I owed over {$2000.00}. Additionally, they would allow me to settle the amount for {$1100.00} if I paid with a credit card now as the case was time sensitive. 

The phone number is XXXX and their fax number is XXXX attn XXXX.
Product: Mortgage

I have been working with Wells Fargo for loan modification of {$1500.00} a month made XXXX paymennt still my account has not been brought back up to date & I am still. Showing behind I have called XXXX times to try to resolve no one has called me back at all modification was to have happened XXXX XXXX 2015 they lied to me my account number XXXX I was told the rep for restoration or that reps managet would call me never had happened I requested a new package for the modification because was never recieved by my attorney or the courts of Delaware that was never done so this must mean that was a lie also my name is XXXX XXXX call back is XXXX XXXX
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 XXXX. 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
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, Date of Birth : XX/XX/XXXX, am filing this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX the information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX and rooms to go on XX/XX/XXXX, an account with XXXX XXXX opened XX/XX/XXXX, a collections account with eastern account systems opened XX/XX/XXXX for service at Wow, a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for a XXXX XXXX account, and a collection account with XXXX XXXX XXXX opened XX/XX/XXXX for an account with gas south. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identiy theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter that I sent to the credit bureaus on XX/XX/XXXX requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX 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 am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Debt collection

I am filing a formal complaint against I. C System for reporting an alleged debt on my credit report that I do not recognize or owe. I have no contractual obligation with I. C. System, and their reporting of this debt is inaccurate, harmful, and in violation of my consumer rights.

Violations Committed by I.C System : Inaccurate Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I. C System is reporting a debt that I do not acknowledge or owe, which constitutes false and misleading information.

Failure to Remove Disputed Debt : Despite my prior dispute, I.C. System has continued to report this debt, violating my rights under the FCRA.

Unfair and Deceptive Collection Practices : I.C. System has engaged in collection efforts that are unfair and damaging to my financial standing, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Failure to Comply with Cease and Desist : Under 15 U.S.C. 1692c ( c ), I have the right to request that I.C. System cease all further communication regarding this alleged debt. I have previously exercised this right, and I.C. System has failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report, for over 60 days, XXXX, today is XXXX, with no responses. TransUnion is stalling and by law, they can not do this. Please remove all items that I have attached from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. XXXX  is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. Transunion is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.
Product: Checking or savings account

I opened my HSBC Premier checking account on XX/XX/XXXX. 

I deposited {$5000.00} per month in direct deposit with my paycheck from my employer in XXXX, XXXX, and XXXX. 

I met the terms of qualifying for a checking account bonus of {$750.00} since my last paycheck came in on XX/XX/XXXX. 

I reached out to HSBC via chat numerous times, and they also agreed that I met the terms and is escalating it internally to get it resolved. However, it has been 2 weeks and I tried following up with them, but they did not provide a response nor the {$750.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2024, I've contacted WF CRD SEV to find out why thay are reporting a non-authorize inquiry to my credit report... I informed WF CRD SEV that I did not authorize ANYONE to run a inquiry. I explained that I contacted XXXX to ask for the removal of this inquiry and XXXX said that there's nothing that thay can do because WF CRD SEV is the company that is reporting it. I explained to WF CRD SEV that I have no open accounts that's connected to any services that WF CRD SEV may proved. That this inquiry is truly foreign and unknown to me, it is definitely not mine ... And demanded that thay remove it from my credit report immediately. There is NO LEGAL VALIDATION of this inquiry to be reported on my report ... WF CRD SEV claims that there's nothing that thay can do.. Also This WF CRD SEV has no account num # on my credit report, it just shows posted date & there company name .... 

On XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX of 2024 I've contacted XXXX and asked why are thay assisting WF CRD SEV in reporting inaccurate and incomplete credit information, According to the Fair Credit Reporting Act Section 906 ( a ) ( 1 ) ( A ), XXXX are required by Federal law to VERIFY through the physical verification all accounts.. XXXX replayed that there's nothing that can do, and was told to contact WF CRD SEV.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, This letter is in reference to account : MIDLAND CREDIT MANAGEMENT, Im requesting that you reinvestigate this accounts accuracy and reporting inconsistencies. 
According to the letter provided by MIDLAND CREDIT MANAGEMENT, their company ( Midland Credit Management ) DOES NOT report a PAST DUE balance to credit agencies. However, this account is reporting a past due balance of {$640.00} as well as reporting a Seriously Past Due status monthly to all 3 credit agencies, and changing the as of date each month to make the debt appear more recent, which is from my understanding a violation. This debt was purchased on XX/XX/XXXX and reported on XX/XX/XXXX. I DID NOT receive a notice of this debt, nor did I set up any payment arrangements or DUE DATES regarding this alleged debt with Midland Credit Management. Therefore there should not be a Past Due Balance. 
I am requesting that XXXX, XXXX, and XXXX verify to me how the reported Past Due Balance is accurate, if the company stated they DO NOT report a PAST DUE balance on any account. 

Also this company ( Midland Credit Management ) stated the Federal Reporting Period expires on XX/XX/XXXX. My XXXX Report is reporting this account will be removed XX/XX/XXXX, XXXX is Reporting this item will be removed XX/XX/XXXX. These dates should not be different and all 3 dates can NOT BE ACCURATE. This company is also reporting as a FACTORING COMPANY ACCOUNT on my XXXX report which is yet another false inaccuracy. Furthermore its is Unfair and Illegal to furnish false or inaccurate information to a consumers credit report. Ive attached documents with the issues described above circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX 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

Experian is refusing to investigate my dispute claim and using stall tactics which is not fair or equitable to me. I submitted in writing a dispute, included in the dispute i submitted my identification and the accounts that needed to be reinvestigated due to being inaccurate. This is nothing more than a stall tactic and an attempt to further destroy my financial reputation. Not only is this an attempt to break the law and take more than 30 days but this is a flat out dishonest attempt to no investigate at all. 
I am in receipt of a letter from your agency stating that they need additional information on my address before they can correct the inaccurate information on my report. I have already sent you verifying information in my last letter, which lists my address ( same as above ) from my Drivers License as well as a copy of my Social Security Card. Once again, I will send you the following documents : Drivers License, Social Security Card, Military Government Issued ID, and even a copy of the letter you recently sent to me. Please correct or list the address on your records with the one which appears on my Drivers License and above. 

I have enclosed a copy of my original request for your review. In my opinion, this is nothing short of a stale tactic on your part to circumvent the due processing of the law in accordance with 15 U.S.C. Sec. 1681i ( a ).
Product: Debt collection

XX/XX/XXXX : Received first ( and only ) written notice from Spire Recovery Solutions for a debt. The document stated XXXX XXXX now owns a debt that XXXX originally owned. The amount was {$2000.00} on XX/XX/XXXX. 

My spouse called the phone number for Spire Recovery Solutions ( Reference number is XXXX ). This company asked my spouse for my personal information. He did not supply any information, but the company provided an address, a state, a bank institution, and a false employer associated with the name on the debt. Some of the information was accurate but outdated. 

I called the number for XXXX. I spoke with a woman name XXXX. They asked for the reference number XXXX. They told me this account number was associated with my name, then she asked me for the last four digits of my social security number. I gave her this information. She said I needed to call the local police department and fax or email them the police report so their fraud department could correspond with my local police department. 

I called my local law enforcement agency. They told me the debt collection agency was a fraud, and so was XXXX. I was told no case number would be filed for the case because I needed to contact the FTC to file a report.
Product: Credit reporting or other personal consumer reports

A copy B for Debtor was received 1099-C sent by XXXX XXXX confirming payment of the charged off account that has the balance of {$11000.00} which i will attach separate from this letter this is confirmation that the debt has been settled and needs to be removed and not shown as charged off. I am requesting this account for this balance to be removed from my credit report as settlement has been established by both parties and XXXX XXXX XXXX continue to report to Transunion, XXXX, and XXXX an account that has been settled I am requesting that this account with XXXX XXXX  to be removed from my credit report
Product: Credit reporting or other personal consumer reports

I am following up on XXXX complaints now, all of which have been closed without any resolution. I've been the victim of identity fraud for a very long time, starting XX/XX/2021, I had received an onslaught of applications for credit cards, loans, and other items all using my information without my consent. I had let the credit agencies know and all of them had applied locks and freezes to my accounts at my request. On around XX/XX/XXXX last year I was notified that my Experian account had been unlocked, I was not familiar with that change so I had called in, they had totally different information on file, they had advised me that someone else had created an online account and changed all of my information. they had also registered for an Experian premium account so they were able to gain comprehensive access to my file. I had found out about the issue and disputed it with Experian, they claimed then it would be fixed quickly. We are now XXXX  months past this incident I have had XXXX open cases at Experian and still NO RESOULTION, I still can't access my file online as the old account is still stuck on my profile. I need help, I'm terrified this can happen again and Experian does not care, I've talked to them on numerous occasions and they have yet to make any progress on resolving the issue, I need someone to advocate for me and help me as a consumer. There are multiple articles online that this has been a known issue for Experian dating back several years, it's gross negligence on their part to not have a more secure system in place.
Product: Mortgage

We received a Notice of XXXX from our insurance company, XXXX XXXX. We contacted Mr. Cooper, our mortgage company on XX/XX/year> to inquire. We were informed that XXXX denied the payment as Mr. Cooper sent bulk check. We were told that a check was reissued on XX/XX/year> and XXXX should receive it in XXXX business days. I asked for a reference number for our case, but was told they do not issue these. I was given the sustainer service agents name and a direct phone number. 

We contacted Mr. Cooper several times on XX/XX/year>. We still had to navigate an extensive phone menu before getting to an agent. Each time we had to provide all of the same information again, as we were told that previous calls were incompletely documented in their system The call was disconnected twice, one time they called back, one time we called back. we were told by the agent that he needed 90 minutes to contact our insurance company and would call us between a specified time window. He never called back. We called again that evening. They told us a check was sent in the amount of {$1700.00} on XX/XX/year>, but denied because it included a late fee. We were told it was reissued without the late fee {$1700.00} and that XXXX would receive it between XX/XX/year> and XX/XX/year>. As of right now, XXXX has not received the payment. We wrote a check for one months payment to avoid our policy being cancelled. 

Our Mr. Cooper account continues to show that our Homeowners insurance was paid out of escrow on XX/XX/year>, though XXXX still has not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MANY attempts that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a bankruptcy stay on XX/XX/2019 yet a XXXX XXXX XXXX Account ( starting with XXXX ) is showing a late payment during this stay. This is illegal and a clear violation. Account on Experian Credit Report needs to be fixed to show payment status current or entire account removed.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on mt report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not being reported correctly there is a XXXX balance. We are trying to purchase a home and need all My credit reported correctly. My score needs to reflect the correct information
Product: Debt collection

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
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. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX : {$640.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

XXXX XXXX Services is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX XX/XX/2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.