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

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX  XXXX Balance XXXX {$270.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/DEPT OF ED. Has violated my rights 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.
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Hello, We having been having problems with Western Union. We attempted to send {$450.00} to XXXX on Monday XX/XX/XXXX. When the recipient tried to pick up the money, he was told it was on hold. We went back to the agent at XXXX supermarkets to try to resolve the issue. Someone standing in line had the same problem with sending money to XXXX. We called WU and they instructed the recipient to go to a different WU pickup location. He did but had the same problem. We finally decided to tried to get a refund and were told it would take 24 to 48 hours. Our problem has been going on for several days. They finally authorized a refund of {$1500.00} ( triple the amount we tried to send ). When we told them they made a mistake, they told we had to wait another 24 to 48 hours. We have been lied to several times by WU. They hang on us and hang up on the agent at XXXX. XXXX has been very helpful but WU seems unwilling to work with us or XXXX. I gave permission to speak with WU. They refused to speak to him even though I gave permission. The last time we spoke with WU on XX/XX/XXXX, they claimed the money had already been picked up. It is inexcusable for them to take this long for them to fix their own mistakes. What kind of action can we take to get this issue resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX XXXX XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent, inaccurate and unverifiable information on my credit report. Please delete these accounts from my credit report within 4 days of receipt of this letter or provide the method of verification. I have attached my FTC identity affidavidt, screenshots showing no action has been taken and no documents provided, ID and bank statement. 

I previously disputed these accounts, but the information remains on my credit report without adequate verification. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to know the methods and sources used to verify this information. 

Please provide the above within 4 days of receipt of this letter or delete from my credit report. The failure to verify or remove the disputed information violates my rights under the FCRA. I respectfully request the CFPBs assistance to have these items deleted from my credit report. 

See below the exact accounts in question with reasoning exactly as sent to the bureau for correction/deletion : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Public Record from a Bankruptcy XXXX XXXXdismissed on XX/XX/XXXX. 
Under 15 US Code 1681a ( 4 ) I have the right to privacy as a consumer, and if this bankruptcy is not deleted from my record I will file a small claims lawsuit in my city and state to recover money. 
This Account is in Violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Please remove it or I will seek legal compensation
Product: Mortgage

I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?
Product: Credit reporting or other personal consumer reports

I sent this request that credit Bureaus that needs to reinvestigate the disputed items from my credit report as well as correct this items from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/2024, i contacted Equifax by telephone requesting that two un-mailable addresses be removed. I was informed that the process would take anywhere form 1 hour to 48 hours. 
On Saturday XX/XX/2024, i logged into my XXXX account to purchase an updated report in order to see the status of my request. Since requesting to have those un-mailable addresses removed, my Equifax report has been missing. I have made several, long phone calls and have had different responses each time. The last time i was told that my account has been blocked because they can not identify me. I was then advised to send my Passport, License and Id copies to a po box address. When i asked for a secure address to send my Documents, i was then told another barrage of lies.
Product: Mortgage

I was contacted by a mortgage broker that works for the company where I got a mortgage original mortgage approximately 20months ago. He asked if I was interested in refinancing to lower my payment. I told him that I really had n't thought about it because it had n't even been 24 months since my original loan. He asked if I wanted him to run the numbers and get back to me if it seemed possible. I told him that would be ok but I was n't signing anything. A couple days later I was alerted by XXXX that my credit had been run by this person. I never gave him permission to do that and when I confronted him regarding this, his reply was, well how else would I run the numbers. He said he pulled my file from the company database. I 'll repeat myself, I never gave him my social security number and I never gave him permission to run my credit and I am extremely upset about this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 


The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I intend to communicate with the creditor responsible for this account to resolve any discrepancies in the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 

Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX  XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX - XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 

Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$25000.00} The account indicated above was never late. I dispute the accuracy of the reported information and kindly request that you correct/update it on my credit report. 

Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update it on my credit report.
Product: Credit reporting or other personal consumer reports

I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.
Product: Credit reporting or other personal consumer reports

i asked them to send me original signed contract with proof of me defaulting on my secured account secured by my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, XXXX, Equifax ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX 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  XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Consumer Loan

Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.
Product: Vehicle loan or lease

on XX/XX/2018 Westlake Financial Services has fraudulently taken XXXX + plus from me. Upon reviewing my contracts, obligations and rights as a natural person ; I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named in Truth in Lending. I requested a wet signature binding myself and Westlake in a contract 15 us code 1692. I also sent certified mail the revocation of power of attorney .15 us code 1640 ( a ) double the finance charge for each violation.15 us code 1635 ( b ) not liable for any finance charge or other charge, and any security interest, return to the obligor any money or property given as earnest money, downpayment, and any property to the obligor, the obligor may retain possession of it.
Product: Credit reporting

A request for an investigation was sent XXXX/XXXX/16 to Experian and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to XXXX XXXX XXXX, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.
Product: Debt collection

Convergent Outsourcing,  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  (  XXXX  )  XXXX , is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money. At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. Convergent Outsourcing is in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.   I have made several attempts to resolve this issue but the company indicates that they do not have the account in their records but it continues to appear on all  XXXX  of my credit reports.   Account #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with a mortgage company named, Cornerstone Lending. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than 40 points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my attempts to correct my billing address with XXXX XXXX XXXX failed. as a result a bill for {$47.00} was lost or sent to the incorrect address. XXXX XXXX XXXX is my utility company and i have 3 accounts with them for the last 20 years. a simple search by them to get in touch with me is all what was needed. they turn it to a collection agency XXXX XXXX. and they put it on my credit report. when i found out i immediately paid it but the two company 's refused to take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not reported a credit card where I was added as a XXXX XXXX  authorized user. The card ends in number number XXXX and carries a {$2000.00} credit line. I would like them correctly report this to all XXXX credit reporting agencies.
Product: Credit card or prepaid card

I reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Experian, are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX.This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with Experian. It was not resolved and deleted from my credit file. They refused to delete this alleged account from my file. I have attached documents to support my dispute showing proof that this debt/ account does not belong to me
Product: Credit reporting or other personal consumer reports

In the terms and conditions of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. XXXX, TRANSUNION, and XXXX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.