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

On XX/XX/2023, I filed a dispute about reporting on my XXXX account. Experian did not properly review the disputed account or provide documentation or a report related to the results of the dispute. This is having a negative impact on my credit because the information is not accurate.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account on XX/XX/2012. The account is now XXXX XXXX XXXX and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, XXXX and Equifax credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this XXXX year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.
Product: Credit card or prepaid card

I begin working for XXXX XXXX XXXX in XX/XX/XXXX and been promoted to XXXX XXXX XXXXXXXX for the XXXX XXXX XXXXXXXX then transfer to XXXXXXXX XXXX XXXX XXXXXXXX and because of my position I was requested to order office supplies with purchasing card with the XXXX XXXX XXXX XXXX because I was the XXXX XXXXXXXX XXXX informed that it had to be in my name the first card issued was XXXX XXXX and then over time they change purchasing system and the credit card change as well I never apply for a credit with Chase or JP Morgan Chase this credit was used for XXXX XXXX and the XXXX XXXX   XXXX XXXX was in charge of it. I called today and Customer Services XXXX from Chase state that the card last four number are XXXX and was charge off in XX/XX/XXXX to a XXXX XXXX and they customer services number is XXXX I ask the supervisor documentation that I open they credit card and she told me to write Chase Card Services at XXXX XXXX XXXXXXXX, XXXX, DE XXXX for this documentation why that banks are allow to sell your credit information and accused you having a credit card and do not have official documentation of the credit in the system and they claim they have recovery system but do not is this legal to accused me of have credit card and do not give proof of it and is it legal to sale my social security number and credit history and when called this number is was not a debt collect but a system that ask if I'm XXXX years or older this is agency they sold my credit information and my social security number to is this legal please investigate this agency and ensure they operating according to United States Federal Regulation I would not open any credit but because of the job gave my information I was told by the back ground investigate with the United States Federal Government that I had pay up all debt and this is not me and the United States Federal Government debt should not be on me and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged on XXXX and XXXX for trans union XXXX $ monitoring that i never set up. Disputed on XXXX with my bank they resolved it. Then tried to cancel on XXXX and the customer was XXXX  no help at all and constantly transferred.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late.
Product: Debt collection

call every day, during late late at night they call them self portfolio recovery. I try to reach them but never answer, ever they say can take my payments from my company. there is always different people on the phone XXXX ascent, and many others. always so aggressive and hang the phone. they are pretty rude.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX account opened, balance of {$8300.00} XX/XX/XXXX XXXX XXXX XXXX account opened, balance of {$230.00} XX/XX/XXXX XXXX account opened, balance of {$540.00} XX/XX/XXXX XXXX account opened, balance of {$2500.00} All information obtained from Experian report, XXXX has conflicting information
Product: Credit card or prepaid card

There was fraud on my deceased husband 's card and I was able to cancel his card, however I wanted to see a statement of what had been charged as we have an automatic payment to the account. They said they couldn't provide that statement. 

I tried to get an on-line account on my card, but was unable to. They are having trouble verifying me. The problem I told them was we were victims and the criminals filed a change of address at the post office without us knowing. The bank has that fraudulent address on file. Even thou we have lived at our current address for 11 years and our previous address for 23 years they would not accept that. They want a copy of my drivers license submitted via cell phone. I TRIED 5 TIMES TWO DIFFERENT PHONE CALLS AND THE PICTURE WILL NOT TRANSMIT TO THE BANK. I gave them our previous phone number and also the fraudulent address even tho we never lived there. They still insist on getting a picture of my drivers license. 
I WANT TO RECEIVE MY REWARDS AND CANCEL THE CARD. They said if I cancel the card without the drivers license picture they won't send me a verification because they will NOT send it to my CORRECT ADDRESS. They won't correct my address..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to Equifax was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Vehicle loan or lease

I have a vehicle with Volkswagen credit in which I am current as of now XX/XX/XXXX I am writing this complaint in hopes to help remove the late payments and repossession with Volkswagen from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX had a XXXX. Which was during the time I was experiencing hardship due to XXXX I lost my job and because we attracted the XXXX virus. I had reached out to the lender this whole time but they don't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX/XXXX  XXXX XXXX XXXX XXXX with a date of XX/XX/2005 and a phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts that have appeared on my credit report as a result of identity theft following a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts removed to protect my credit history and personal information. Please see below the details of the accounts in question : Fraudulent 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
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX a representative of Midland credit called my husband and advised him in detail of an alleged debt and balance which he is not a party too. My husband sent me text messages to which I asked that he tell them to stop calling. Unfortunately they did not and so he blocked their number
Product: Debt collection

My son XXXX XXXX leased an apartment with 3 other boys from the Retreat in XXXX, XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and was cleared by XXXX " their main Maintenance Technician '' at the time. He lived in XXXX for an additional year, and we lived in XXXX XXXX, CO as the Co-Signers for him and never received notice of a pending or overdue maintenance issue. Apparently a year later, the new owners of the apartment complex sent letters out to all previous tenants " Which we never received, and we have never been provided although we have asked several times and can be verified on the recordings from Columbia Debt Recovery when they first called me in XXXX of this year and then again about every 6 weeks after that '' I asked them for a copy of the documentation as well as a list of the damage since all of the leases were charged the exact same amount of money for damages caused in the apartment, but apparently nobody can document the damages. I told them that the Retreat has a history of sending out these notices after the fact and we wanted proof of the damages before we would entertain paying anything to the company. If they couldn't provide it, then it was just a made up letter. In XXXX or XXXX of this year, I told them to quit harassing me since they could never provide anything in writing to me and to take the case to court, instead they sent it to my Credit Report. I want them to either provide documentation of the validity of the collection debt with a listing of alleged damage per room that would equate to approximately {$1700.00} ( {$440.00} x 4 boys who shared the apartment and were all charged the same amount ) or we remove this fake credit collection amount from Credit Report and restore my XXXX point drop to my credit score and penalize this company for improperly reporting something to the credit bureau when it should not have been done. Additionally, I would ask that someone look into the Retreat at XXXX for improperly targeting young adults that are attending the University of Mississippi and ruining their credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I work place sent me documents from XXXX XXXX saying they want to receive XXXX XXXX  out of my check I never heard of this company or did business with them contact person from them name XXXXXXXX XXXX XXXXXXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau are still reporting monthly on closed delinquent accounts.
Product: Mortgage

One of the many times my mortgage has sold it was sold the last time to TRUIST... It has been a nightmare ..payment jumped about 150 per month they said ( After a 90 minute wait on the phone ) that taxes and homeowners insurance had gone up... It didn't add up since insurance had only gone up 200 or so for the year total ... and tax assessment was the exact same as before. Since I had read that tax RATES would probably go up this year I let it alone ... Today I get a notice that the homeowners insurance will be cancelled since Truist has not paid the premium. Now Monday I can take off work pay the XXXX out of pocket ... and MAYBE get it back from Truist from the escrow or just let them keep it I suppose ... .Even if I do get it back it will be months.One wonders if Truist would give any of us XXXX interest free for a couple months. This would not be happening if mortgage companies were not allowed to sell and resell mortgages. It causes a ton of confusion but why would they care? The consumer spends the time trying to work it out.HOW is this not fraud??
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and I have reached out to XXXX, XXXX and Transunion and nothing has been removed.
Product: Checking or savings account

{$1200.00} was taken from my checking account at Wells Fargo and they are not recovering the funds for me. They opened and an investigation and closed it and wont reopen. This money was stolen from me on their online banking service. Fraudulent charges made- and I was the victim of a crime and they wont recover my funds
Product: Mortgage

I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 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 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Product: Credit reporting or other personal consumer reports

I looked at my credit report around XXXX of this year and I noticed that some things are incomplete or not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX XXXX  # XXXX, Account Name XXXX # XXXX Account Name XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and further more XXXX # XXXX has reported itself twice on my credit report. The same exact account reported twice and with different information on each one. 
All of these accounts listed are not complete and are not accurate. 
I did get an investigation back but all it said is that they verified it was accurate but no information on how it was investigated to prove this accuracy. 
I requested a description of how they verified these accounts which they did not provide to me which violates 15USC 1681i7. 
According to the law if it is not verifiable or correct in any manner it should have been deleted.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report immediately. I did not open or approve these accounts and have no knowledge of their origins. Pursuant to XXXX XXXX, I am requesting their removal withinXX/XX/XXXX days. Enclosed are the necessary documents for your review and reference.
Product: Debt collection

I've sent a letter out stating that the debt that their trying to collect is not mines. This company has emailed me today on XX/XX/2022 trying to collect an debt that has been agreed to closed. All three of my credit bureaus have removed the fraudulent debt. I have proof of harassment in my email and fraud account HUNTER WARFIELD CREATED WITHOUT MY PERMISSION. I have proof of identity theft and {$1000.00} per violation due to hurting credit score and fraudulent activities as far as sharing my information to another agency. Wrongfully putting an fake signature that isn't mines on a lease that XXXX XXXX XXXX did not agreed to. The amount was {$6300.00} to {$6400.00}. No one called me or said anything about this debt which is illegal because I didn't agree to pay. I've requested who was the original creditor, original contract and no response. I've gave them more than 30days to respond and no response. Failure to respond, failure to validate the debt. U.S.C. 15. Improperly reported a debt to a credit reporting company without meeting their obligations under the FDCPA act. I've also seen on one of the documents I've sent, you can see where they force my signature on a lease which is illegal. I've never signed a lease or read one or ever agreed to one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly an item on my credit report titled Liens and Judgments Report in the amount of {$1800.00} on XXXX XXXX XXXX, XXXX partial reference number XXXX. ( Please see page attached from my credit report. ) This account has since been settled and should no longer be reporting on my credit report. I have attached a copy of the Written Confirmation from XXXX XXXX XXXX documenting the single, one-time payment on this account dated XXXX, as well as a copy of confirmation from XXXX XXXX XXXX dated XXXX that his account has been settled in full. Please remove this item from my credit report. This false reporting of a judgment is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/2020 at XXXX we were contacted by DIRECT RECOVERY SERVICES ( XXXX ) looking for XXXX XXXX. Upon connecting to an operator I explained he is calling a company and the operator immediately hung up on me. I have placed several calls to this company trying to get our number removed off this persons file and every time the operator hangs up the call and refuses to remove our number. These constant calls are becoming a nuisance and need to stop.