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

Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ccount 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 or convictions of crimes which antedates the report by more than 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the following inquiries : XXXX XXXX, XXXX XXXX  XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus nor XXXX 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 Im demanding to be deleted and or updated immediately.. 
XXXX XXXX Account # - XXXX Account # - XXXX XXXX and Equifax are reporting incorrect information on my business credit report. I do not owe XXXX any money and never did. I dont owe any late payments either I never received payment any service
Product: Debt collection

I hired a lawyer and sued XXXX XXXX XXXX XXXX for knowingly and falsely providing false information to PDM to provide to creditor reporting agencies. I provided proof that their information was erroneous and I exhausted every possible effort to resolve the matter with the XXXX XXXX XXXX, before suing them and securing this final judgement ( attached ), from the XXXX XXXX XXXX XXXX of XXXX XXXX, TN, against them. The information they issued to credit agencies against me is erroneous and I am requesting that this information/trade line be immediately removed from credit report/file. *Finally, please file this judgement against the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to get my credit report from Equifax and myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on Transunion ) XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.
Product: Mortgage

Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with inquires I did not authorize and need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was made aware of an account in my married name of in XX/XX/XXXX through the company XXXX XXXX. This is not an account that I opened, I believe it was opened by my ex-husband in XXXX. In XX/XX/XXXX the account showed up on my credit report as a charged off account. I was trying to refinance my home at this time. I called XXXX XXXX and explained that I never opened account with their company, I never received any of their merchandise and I asked for them to provide me the documentation that they used to open the account. They never provided me with any information and they refused to remove the account from my credit report. My mortgage refinance was stuck because of this issue. I then paid off the account despite the account not being mine. I spoke to XXXX who is a customer service representative at XXXX XXXX and she told me that they would delete the account from my credit report immediately upon me paying off the account balance. I paid the account off in XX/XX/XXXX. Since paying off the account I have called every month to get it removed from my credit report as I was told it would be. Today I spoke with XXXX another customer service representative at XXXX XXXX. She was the third representative that I spoke with today. I had to explain my situation three times before anyone would help me. I explained to XXXX that I was told the account would be deleted once the payment was received. She placed me on a long hold. When she returned to the phone she told me the account will be deleted from my credit report 7 years from the date it was reported despite the account being at a {$0.00} balance and despite me telling them that I did not open the account. I also previously disputed the account. XXXX XXXX never responded with anyone to show that this was my account. I paid them off in good faith that they would remove the account like they promised.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX balance {$380.00}, XXXX XXXX XXXX XXXX  balance {$8200.00}.
Product: Checking or savings account

This involves an altered and fraudulently cashed payroll check. Reported by me on or about XX/XX/23. The check was obviously altered, in fact unreadable, yet Citibank removed the funds from my business account. It has now been over 90 days since it was reported, all data has been provided. Case # XXXX. I have been refused reimbursement pending a response to Citibank fraud team from XXXX XXXX XXXX  which received the check. Citibank breached their duty to protect my account from obvious fraud. Just glancing at the submitted check it is obvious and impossible to make out the date, numbers or written amount, yet they took the funds out of my account. There is no way I could deposit a check written like this at the Citibank across XXXX XXXX as they scrutinize each and every check in a tedious process while I am making a merchant deposit, yet they allow a check like this and remove funds with no scrutiny. I want my taken funds returned to me ASAP. Many phone calls meet with no pro active action, other than they are waiting on something. The error was initially/principally theirs so they should make me whole first and foremost, then seek action against who ever they think was involved in this fraudulent activity. 

Regards, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The deceptive accounts that have been previously disputed are still in my credit report.These should have been removed then because these are unproven and no documentation provided. I would like to remind you that the law never allows errors to be part of the file. Also, continued reporting of unverified accounts is punishable and may ruin your reputation. This letter serves as my formal appeal for investigation and correction of the undesirable accounts which are actually lowering my credit score. The accounts I am referring to are listed below : Account name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Business Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Unsecured Loan Account name : XXXX XXXX I Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account name : NXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection NOTE THAT, YOU HAVE THIRTY DAYS GIVEN BY LAW FOR YOU TO COMPLETE THIS DISPUTE AND PROVIDE ME WITH THE RESULTS.An improved credit report is anticipated to take place after your investigation is done. Please grant my request and I am hoping that you will take prompt action regarding this issue. I am expecting to receive an updated report as soon as possible.
Product: Mortgage

I am citing financial XXXX from Gateway Mortgage. 

This has been an on-going issue for several months to no avail. I have previously looped in the CFPB, FDIC and now the CFPB again. 

The following mortgage statements have been either incorrect, received late or I never received, which again, I have informed Gateway Mortgage multiple times and is a form of financial XXXX  : - XX/XX/XXXX ( incorrect amount due ) - XX/XX/XXXX ( incorrect amount due ) - XX/XX/XXXX ( incorrect amount and received late on XX/XX/XXXX ) - XXXX XXXX ( incorrect amount due, created on XX/XX/XXXX and received XX/XX/XXXX ) - XX/XX/XXXX ( never received ) - XX/XX/XXXX ( incorrect amount due and received late on XX/XX/XXXX ; see attachment of XXXX example of the financial XXXX  I have been dealing with for months and months, and now they are claiming I am 'delinquent ' on my February 2025 monthly statement. 

This also includes fund being applied incorrectly, which again I have communicated to Gateway Mortgage to no avail. 

Gateway Mortgage is also withholding funds that I have been due for months due to retaliation and financial XXXX
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( XXXX ) to remove who then gave me the run around a then no update.
Product: Debt collection

I was never contacted by the debt collector and only knew about the debt from checking my credit. I have still not received a letter or a phone call from the company verifying the debt other than me calling to try to resolve it. I have not received a letter or phone call letting me know I could dispute it. Even when calling the company to see what the debt was they never offered me a way to dispute the debt.
Product: Debt collection

XXXX ( did not give last name ) purportedly from Jefferson Capital Systems out of XXXX called on XX/XX/XXXX attempting to collect a debt created with XXXX XXXX system with a balance of {$1700.00} on an account from XX/XX/XXXX - XX/XX/XXXX last payment made in XX/XX/XXXX, and wanted to know how I intended to pay off the debt. She indicated acct number ended in XXXX when asked for acct information. ( Did not provide other information even when asked. ) I was transferred to a XXXX XXXX who was supposedly a supervisor. He indicated that the last four digits of client ID # was XXXX. He indicated that the debtor 's name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and that the debtor lived at XXXX XXXX XXXX in XXXX CO. He attempted to obtain all or part of my SS # more than one time. He also said that the debt had been purchased from XXXX XXXX. When asked he gave an address of XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX. The company attempted to collect a debt from me. The company identified a debtor, their address, and the amount he owed. The company attempted to get personally identifiable information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a 7-day trial with Transunion. However, they charged a {$26.00} Subscription Fee for 3-Burea Credit Monitoring on XX/XX/2020 without my consent, and without providing the the service reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a line of credit account opened at StellarFinance on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} that appears related to the aforementioned individual account opened at XXXX XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting ( 3 ) late payment I have notices on my credit report with XXXX, XXXX, and XXXX. Which dates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not been late, my student loan was in forbearance at the time. In XX/XX/XXXX I called in to update my personal contact information such as my new address, phone number, and my new phone number as well. They didnt not put it there system like they should have. I had no idea I was late & my loan was not in forbearance until I pull my credit report & seen that my account was late. This is not my fault, they should have updated my contact information when I request it to be over the phone with an XXXX customer service agent. So they had no number on file or email nor a correct address on file for me. So I called XXXX XXXX multiple times about my account with those late payment. I ask them several times to correct this information, because it is hurting my credit scores. They refuse too. So then I spoke to their XXXX XXXX / AES attorney XXXX XXXX XXXX XXXX, XXXX. He explain to him my story, he told me that they will look into it & correct the late payments on my account. I have not heard back from him. I been speaking to their attorney from months since XX/XX/XXXX. They have not correct those late payments yet. This becoming very aggravating & I feel like they are taking a vantage of me. I wrote letters, made phone calls too them, even spoke to their attorney as well, and they still fail to fix this issue.
Product: Credit reporting or other personal consumer reports

I am so frustrated. I submitted a complaint regarding equifax and XXXX not updating my credit report. I have done everything I can do including contacting this agency. I dont understand how or why this is so difficult to accomplish. I am currently looking at my XXXX account that shows my current account balance. Why does it take this long for my credit report to reflect this balance as well. I have been attempting to use my credit and this current situation is screwing me!! It looks as though I owe XXXX more in debt than I actually do. I thought using this agency would help speed the process up as I have tried everything else prior. I have tried contacting XXXX in numerous occasions by phone call and messages. They never called me back when prompted to not wait XXXX hours on hold with a call back. They do not respond to my messages with any helpful information except saying I have already talked to someone regarding this issue and to call with any other concerns. I am being held at everyones mercy. Including this agency which has done nothing that I hadnt done already.
Product: Credit reporting or other personal consumer reports

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to XXXX XX/XX/year> requesting them to investigate these 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 XXXX XXXX XXXX
Product: Mortgage

My father XXXX XXXX died in XX/XX/2023. I inherited his house upon his death ( title is in the name of his trust and I am the beneficiary of his trust and will ). I contacted the mortgage servicer CrossCountry to inform them that I was now the owner of the home and to obtain information about the mortgage. They refused to give me information and told me I needed to submit documentation to prove that I owned the property and establish myself as Successor-in-Interest ( SII ) on the mortgage account. They sent me a checklist of documents needed. After submitting all the documents I had in my possession and that were on the checklist ( including the trust, will, death certificate ), CrossCountry is still refusing to authorize me on the account as a successor, stating they need more documentation. I was perplexed because I gave them everything I had. I sought the help of a Legal Aid attorney to intervene and they told the attorney that I still need to get a court order or official letter from my county. The attorney explained that this is not possible to obtain in my situation, yet CrossCountry still will not authorize me on the account. The account is delinquent and I am worried that the house will go into foreclosure over their refusal to give me information about the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

An identity theft dispute with full documentation including a valid Limited Power of Attorney, authorizing XXXX to dispute the account on XXXX XXXX 's behalf was submitted to Walmart / XXXX XXXX via fax on XX/XX/2018. Over the course of the next 2 months, Walmart 's Fraud Department was contacted on several occasions in order to determine the status of the fraud dispute. We were told the dispute takes 60 days, during which time the account would not be removed from the credit history of the victim. This is in complete violation of the Fair Credit Reporting Act. Now that we have passed the 60 day mark, I contacted Walmart 's Fraud Department once again only to be told that I could not obtain the status of the dispute as the Limited Power of Attorney was still on review and had not been 'approved ' whatever that's all  about.