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

My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, Experian, XXXX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, discovered a collection item from XXXX XXXX XXXX XXXX. At that time sent letter advising company to verify this item by providing some contractual obligation to pay bearing my signature. This letter was sent XX/XX/XXXX. After waiting the appropriate time to hear back from this company, I began communicating with the credit bureaus directly. On XX/XX/XXXX, a letter was sent to the credit bureaus advising this company had not responded to my request.. All credit bureaus responded stating they would go initate an investigation based on information provided.In XXXX, received communication from credit bureaus stating that information had been verified as accurate. On XX/XX/XXXX a letter was sent to credit bureaus requesting they provide procedure used to determine accuracy as well as any documents bearing a my signature, showing that I have binding contractual obligation to pay. To my disappointment, the credit bureaus again responded back stating item was verified as accurate. Another letter was sent on XX/XX/XXXX, again requesting documents bearing my signature, showing contractual obligation. Again the credit bureaus responded back stating item was verified as accurate, and that I needed to contact the company myself. According to guidelines, the burden for verification of accuracy is on credit reporting agency, the credit bureaus.
Product: Mortgage

This is in addition to my complaint XXXX. We have made XXXX & XXXX payment. The payment amount is {$2300.00} We make a payment of {$2500.00} with the balance to be applied to the principal. For our XXXX statement, we got 3 statements on the same day. One showing a payment due on XX/XX/XXXX of {$1900.00}, another showing a payment due of {$2100.00} and a third one showing a payment due of {$6900.00}. My husband went to the bank with all XXXX statements and the bank told us our loan was current. Since those XXXX statements from last week, we have gotten 3 harassing letters from BMO telling us to seek help for our mortgage payment.
Product: Mortgage

Evidence of Mortgage Fraud started XXXX- continue. 
most recent - Fraudulent Deed Documents, Monthly Mortgage Statements, Fraudulent 1098 forms created. and Deception with my mortgage loan
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting inaccurate information that does not belong to me. XXXX, XXXX, and Trans Union. 

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 XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 states a credit reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

Disputed XXXX bill. That was XXXX XXXX  I have XXXX XXXX Capital One v. A dealer XXXX  XXXX XXXX Capital One bank USA again. XXXX XXXX XXXX XXXX XXXX XXXX  All of them have either infraudulent or don't have an accounts with them and it's still showing up on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed collection account that was put on my credit and experian said they investigated and collection account met their guidelines to be put on my credit report in only 1 day. They did not get proof to show I owed this amount and they didnt show or tell me how I owe.
Product: Mortgage

I contacted CMG mortgage about applying for a mortgage forbearance on our mortgage and I was not provided with accurate information.
Product: Debt collection

I respectfully urge your strict adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to protect the rights of American consumers in matters relating to credit bureaus. Within the confines of this regulatory context, I kindly request XXXX to take the requisite measures to refrain from reporting the ensuing inquiries on my personal information : Inquiry Details : Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested Creditor : XXXX Inquiry Date : XX/XX/2022 Status : Negative Suggested In alignment with the FCRA 's principles, which emphasize the necessity of accurate and equitable representation of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter. Your unwavering commitment to upholding the fundamental tenets of consumer rights within the sphere of credit reporting is deeply appreciated. I anticipate your diligent efforts to ensure compliance with the FCRA regarding the reporting of these inquiries on my personal information.
Product: Debt collection

I received a call from United Collection Bureau in XXXX Florida. They continued to call my cell phone, and then called my neighbor. I was threatened and told that not only would they take legal action but they would see my husband was XXXX. This was on a XXXX account - When I looked up the company it talked about scams, and that one of the owners XXXX XXXX is a horrific person to work for and pays people off
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I had a loan with XXXX for my 30 year mortgage. It was sold last month to Chase mortgage. Ok, no problem but I was paying half in advance to reduce my total interest through the life of the loan. Chase says they do n't do that. Now I 'm being penalized as a consumer for no fault of my own. Should n't I have the same loan I had previous? Also earlier I had the loan with XXXX and they sold it to XXXX with the same loan payment schedule as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on there. I'm asking for you guys to please remove these accounts from my credit report. They are hurting my ability to obtain credit. Thank you! |
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX LA 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 XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Someone used my social security number while I was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX n cant provide to my tXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly.

According to the law USC 1681 these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.
Product: Debt collection

I PULLED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I DID NOT RECOGNIZE. ON XX/XX/year> I SENT VIA CERTIFIED MAIL WITH RETURN RECEIPT, A LETTER TO VERIFY THE DEBT WITH A COPY OF THE PURCHASE AGREEMENT, ORIGINAL AGREEMENT AND PROOF THAT THEY ARE AUTHORIZED TO COLLECT THE DEBT. THIS LETTER WAS DELIVERED TO THE COMPANY ON XX/XX/year> AT XXXX. THE LETTER WENT UNANSWERED NOW FOR 10 MONTHS. THE COPANY ALSO CONTINUES TO CALL AND HARASS ME, EVEN AFTER BEING TOLD NOT TO CALL DURING MY WORK HOURS, THEY CONTINUE TO CALL WHILE I AM WORKING. I HAVE REQUESTED VIA CALL WITH THE COMPANY ON MULTIPLE OCCASIONS FOR THEM TO PROVIDE ME WITH THE REQUESTED VERIFICATION AND TO CEASE ALL ACTIONS UNTIL THEY SEND THE VALIDATION THAT WAS REQUESTED. THIS REQUEST HAS GONE UNANSWERED.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  # XXXX : Balance : {$7400.00} Account Name : XXXX XXXX # XXXX : Balance : {$7400.00} Account Name : XXXX # XXXX : Balance : {$750.00} Account Name : XXXX # XXXX : Balance : {$290.00} Account Name : XXXXXXXX XXXX XXXX XXXX : Balance : {$670.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$670.00} Unauthorized Inquiries 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, credit repair services, or other personal consumer reports

This is my sixth 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person im a living human being i, have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below listed be removed because According to 15 USC 1681 : I have the right to privacy & i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX Account # xxxxxxxxxx XXXX
Product: Student loan

My bankruptcy ended on XXXX/XXXX/2015 and I received verification from my lawyer that those that I had XXXX loans with have been notified. Out of XXXX lenders, Wells Fargo was the only XXXX that I had not received bills from since then. 

I received a letter today ( XXXX/XXXX/2015 ) stating that my loan has been defaulted and I need to pay the full amount. I was also given the option to try and work out a payment schedule but my only option to do that is by phone. Unfortunately I ca n't afford to make that call or to have a phone. 

I hope through here I can facilitate some type of electronic communication to get this resolved. I also prefer electronic communication so I have the documentation for my records in case I need to go to court regarding this issue as I will need to represent myself and need the documentation on my end of my efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing a company to falsely report a hospital debt to my credit. I contacted the company the dispute the report. Not only did the representative try to collect my information so that she can put it in their system she got upset when I called the hospital while I was on the phone with her. she stated that shes going to mark it as disputed but its not going off of my report. She tried to talk to me as if its my debt, when I told her I dont think it is and verified that it wasnt when I called the hospital. I explained to Equifax that this collection company did not have my name or social when I called them to look up this debt. I gave them this info when I called and they couldnt pull it up. Yet Equifax marked my investigation for these collections accounts as verified. The hospital does not even have my name or social in their billing department either. So, equifax is allowing this company to report information on my credit report without full proof because this company is paying them to report. It is not fair to the consumer and should not be tolerated. I want this account removed from my report. It is not mine, and the company doesnt even have the matching information to report it. It is absurd. 

Nothing works in the consumers favor in these systems. It is really sad. We are just stuck, and left to keep disputing things that destroy our credit. It is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX EQUIFAX AND XXXX and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX  never sent the periodic statement along with the disclosures from section 1637 ( 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

in accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX  ( original creditor XXXX XXXX they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a 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 : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Product: Credit reporting or other personal consumer reports

The accounts I am speaking about today has failed to verify any alleged debt. They also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have been getting calls all day from Heartland Resolutions Group. They called me 6 times one day. Every time I answered the phone it would be dead air. I tried calling back to find out what it was about. I could only reach a voicemail box. I left a message asking them to stop calling me not saying anything. They continued to call the last call I got. The lady threatened to continue calling me which I consider harassment. She wouldnt tell me what the call was about or anything. They have been harassing me during my work hours calling me very early in the morning and it has become a major problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. states I have the right to privacy.

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

15 USC 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose