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

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ). 





an updated consumer report with inaccuracies removed
Product: Debt collection

XX/XX/XXXX, Diversified Adjustment Service reported a collection account to the credit bureaus as belonging to me. I disputed the account because it was not listed in my name, and I did not have an account with XXXX. XX/XX/XXXX, I filed an identity theft report and made a complaint with CFPB. The debt was removed. Diversified Adjustment re-aged the debt and reported as a new collection on my report and placed the debt back on my XXXX report in XXXX, XXXX. I sent in proof that the account had been removed because of Identity theft. It was removed. Again the account is not listed in my name. Then the company added it to XXXX, and I sent in evidence to them and they removed it between XXXX and XXXX, XXXX. Now, XX/XX/XXXX it has shown up on XXXX without any notification from the debt collectors. It was also reported and removed from XXXX in XX/XX/XXXX. This company completely ignored the identity theft report I made on this account in XXXX, XXXX.
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 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 I demand to be deleted immediately 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Business is reporting that XXXX XXXX XXXX has a derogatory account / open lien, which is not true. On XX/XX/2022, I disputed this negative, inaccurate and erroneous information with Experian Business. I disputed the Lien that Experian is listing on XXXX XXXX XXXX XXXX credit report, which is inaccurate. Experian Business hasn't removed this inaccurate and negative information from the business credit report ( XXXX ), which is negatively affecting the business credit scores and profile.
Product: Credit card

Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.
Product: Debt collection

Negative re aging of this debt to make it appear more recent then it is making it s violation of the FCA. My car was repo on XX/XX/XXXX sold at auction XX/XX/XXXX. This company XXXX XXXX has re aged this debt on my credit report to XX/XX/XXXX to make it appear more recent and that is illegal. They added 3 more years to it. I sent a dispute via credt karma XX/XX/XXXX but nothing came of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Equifax which is still showing the amount of {$50.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.
Product: Credit reporting or other personal consumer reports

I was told when I purchased a vehicle that it wouldnt affect my XXXXredit score and that wasnt the case it is hindered me from buying anything else and that is unconstitutional to my rights
Product: Credit reporting or other personal consumer reports

I have sent a letter to these credit bureaus concerning my personal information and they have not responded, nor have they updated the information. Please update my credit report with XXXX name, XXXX date of birth, and XXXX address. All of the other information is inaccurate on my report. Please delete.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several times trying to deal with this issue. On XX/XX/XXXX, I visited XXXX XXXX XXXX to get a XXXX  that was supposed to take XXXX to XXXX  months depending on the result. They told me I needed health insurance and good credit to start the treatment. I had no idea when they were pulling my credit they were applying for a loan in my name. They never ask me to sign anything. I went for 2 or 3 sessions and stopped because I had a XXXX  XXXX  and was XXXX  for a few months and did not return. I thought my insurance covered the few sessions and that was it. Last year in XXXX, I noticed XXXX was on my credit report with a loan for {$5700.00}. I call XXXX right away and they told me it was done by XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX and they kept giving me the run around that I had to speak to the manager and he was never available. XXXX XXXX XXXX closed down this year and now I have only XXXX and XXXX to deal with. I spoke to XXXX and they only gave XXXX the money to give out loans but they had nothing to do with the loan. I filed complaints with XXXX  and FTC, and now I going to file with the Attorney general because this should not happen to anyone else again. I blame XXXX for allowing loans to be done without a signature, a docusign or written signature should always be required to take out a loan. This could have been a {$50000.00} loan and I would of had no idea.
Product: Debt collection

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1.The following account is not mine TRANSWORLD SYSTEMS  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They applied for a credit card and loans without my consent They stole my identity I did not authorize anything with my credit Thank God I saw a new request on my credit report and I called the bank and canceled it
Product: Mortgage

Current Mortgage Lender advertised a fixed loan rate on web site. We submitted a request for refinance analysis. Mortgage consultant contacted us, quoted even lower interest rate than advertised on web site. Confirmed our good credit rating ( we stated rating of XXXX, actual rating of XXXX ). Consultant requested we submit on-line application. We completed, and received finalization call-back from consultant. Rate increased from 3.75 % on 15-year fixed ( verbal quote ) to 4.25 %. Current rate as advertised on web-site prior to call was 3.875 % ( when we requested contact for analysis ). Rate today ( XXXX/XXXX/2015 ) on website for 15-year fixed refinance loan is 3.25 %. Concern over deceptive advertising ( bait & switch ).
Product: Debt collection

15usc1681 section 602a and 15usc1681 section 604a. I would like NCB Management Services deleted off my credit report.
Product: Credit card or prepaid card

I received a letter from Citi bank ( reference # XXXX ) stating a refund of {$150.00} was credited to my Citi credit card. The date range for the charges on the account regarding Citi Idenity Monitor from XX/XX/XXXX to XX/XX/XXXX. I had an active credit card during that time frame. However I had to file bancruptcy in Federal bancruptcy court in XX/XX/XXXX and debt was disolved in XX/XX/XXXX. I have called the contact phone # listed on the letter plus other numbers given to me by Citi bank associates only to have the letter read to me over the phone. I was also given a website : XXXX XXXX but when I put the letter reference # and my last name the data base did not recognize the information I submitted. I am getting no where with this refund that is due to me. I no longer have an account to credit a refund to and the debt has been disolved. Your agency is listed in this letter stating that Citi made an agreement with your agency to refund certain customers who were charged for a service they were not enrolled in. I fit into that criteria. I hope you can assist me with this problem because I have been getting no where with Citi bank even after I spoke with a supervisor requesting a refund check. I look forward to hearing from you and getting your assistance in this matter Sincerely, XXXX XXXX
Product: Debt collection

Harley Davidson continues to call 4-5 times a day daily even though they are aware of the medical situation I am in I have attempted to make payments but because I can not pay the full amount they claim they will still repossess the bike and they will still call every day 4-5x a day
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan has hacked my computer therefore I had to use my tablet. My last complaint was going, to my last but this bank has decided to go hard ball so here we go. The person who changes the automachine when one calls their customer service number has mental problems and tells lies everyday, but I have learned tape the machine. I thought my apartment s we're not getting paid back in XX/XX/2018 so I called them and they said that they were paid in full-time This is when I knew that JPMorgan bank was corrupt. 
I sent {$3000.00} at first and then had my personal bank though a dispute take it back when I found Chase JP Morgan bank to be corrupt. Today the machine states I owe them the $ XXXX back. 
All lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian 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 n I made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two 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 and remove the accounts 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 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

I have been trying to cancel the PMI on my mortgage for years now and Dietch Financial keeps finding reasons why they can't do that. Most recently, I submitted to have my PMI cancelled and they told me I need to have an appraisal done on the home. An appraiser came to my home on XX/XX/XXXX and completed the appraisal. After hearing nothing from Ditech for a month, I reached out to them to obtain a copy of the appraisal. Today, Ditech left me a voicemail and told me that the appraisal that was done in XXXX was not done correctly and they need to do another appraisal. I have still not received a copy of the appraisal not was I told what was wrong with the first appraisal, just that it was wrong. When I called Ditech back at the number the agent provided, I had great difficulty getting connected with the agent who called me even though I had her direct extension. After a few attempts to connect with I was finally ( gruffly ) transferred to her extension. I got her voice mail and I left her a message letting her know that I approve having another appraisal done. I think Ditech is shrining me along to get more PMI payments out of me because we are now coming up on two months after the initial appraisal and I'm not being told we have to do another appraisal.
Product: Debt collection

I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. 
I did not opened that account. 
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. 
They refused to comply with my request. 
they gave me a name and address of the person who opened the account in my name. 
I do not know this person. 
This person lives in another state. 
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. 
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. 
Furthermore, they knew my name was different from the person on the account. 
So why damage my credit when I didn't opened that account.
Product: Mortgage

I have been receiving numerous direct-mail advertisements ( letters ) from ClearPath Lending , XXXX involving refinancing of my mortgage at 1.75 % .On XX/XX/2021, I responded to the letter by calling the listed number on the letter. I spoke to a mortgage representative ( XXXX XXXX ). He requested a copy of my current mortgage statement, home insurance, XXXX, and photo ID. I gave him over the phone my address, current amount owed on my home, SSN, and date of birth. 
On the back of this mailer is listed the qualifying criteria for eligibility to get this 1.75 % interest rate for VA applicants. It simply listed that you needed to have a FICO score of # 800 or better. Days later when I spoke to Mr. XXXX, about where I was in the refinancing process, he informed me that after checking the three ( 3 ) credit bureaus, I failed to qualify for the 1.75 % lowered interest rate because two ( 2 ) of the credit bureaus listed my FICO score in the upper 700 '' s. Only my XXXX had my score in the 800 's. I informed Mr. XXXX that I found this to be incredulous. I informed him that I would check my FICO scores personally. I then checked my scores with all three ( 3 ) credit bureaus and found that all my FICO scores were in the 800 '' s with all three credit bureaus. Thus, based upon the reading on the back of these letters which states, in part, that the interest rate applies to an 800 FICO score ( middle qualifying score ) or higher. My FICO scores were as follows : XXXX : # XXXX ; XXXX # XXXX ; & XXXX # XXXX. So, following Mr. XXXX explanation of what's a qualifying " middle score '', my middle score would be the XXXX FICO score # XXXX, which would qualify me for the lower interest rate. 
Hours later, I called Mr. XXXX again to inform him that he was in error, and that my FICO scores did meet the screening criteria for obtaining the lower 1.75 % interest rate. Then, Mr. XXXX began to give me this story that ClearPath uses a different formula for calculating a FICO score which makes no sense. If they were going to use their own criteria for determining eligibility then why the need to consult with the three credit bureaus. He stated that they calculate what they call a " mortgage score. '' I stated to him that this is not what is stated on the mailed advertisement that was sent to my home. I further stated that I believe that he and ClearPath is using misleading, and inaccurate statements on the mailer to hoodwink me ( Veteran ) and others into responding to their letters. They now have access to my personal information and they have misrepresented the criteria for qualifying for the refinancing credit terms of 1.75 %. 
I have requsted to speak with Mr. XXXX 's supervisor. He gave me a Mr. XXXX XXXX whose number is ( XXXX ) XXXX. I have called this individual several times and left messages and he has failed to return any of my phone calls at the time of this writing. Secondly, I requested that I be given disclosures outlining specifically why I was being denied the VA refinanced 1.75 % interest rate. I have yet to receive this information. Your help in this matter will be much appreciated.
Product: Checking or savings account

I was made aware of being a named beneficiary of my deceased 's father IRA last summer and elected to have the funds dispersed to me via check instead of rolling them over into an additional IRA. 

XXXX XXXX I received a letter saying a rollover IRA had been opened instead of the distribution of funds. 

XXXX third I received an additional letter stating the funds would be sent to me via check in totaling {$3000.00} after taxes After having never received my check I followed up with Citibank 's retirement plan services on the phone. They told me I received and cashed the check XX/XX/XXXX. I requested an image of the cashed check which was sent to me XX/XX/XXXX. The check image clearly shows the check was not made out to me or anyone affiliated with me and was then cashed by this random person. 

Since then I have periodically made contact with citibank at least once a week requesting a new check be redistributed. I have filed XXXX seperate fraud claims in XXXX of XXXX and XXXX of XXXX. 

I received a letter XX/XX/XXXX from CItibank stating no mistake was made after my fraud investigation in which they then provided a much small version of the image of the check that was cashed by the random person the previous XXXX. 

XX/XX/XXXX I received confirmation that they were once again evaluating my fraud case that they have since then closed. 

XX/XX/XXXX I spoke to retirement plan services again via their call center, they finally acknowledge that the check was sent to the wrong individual and allegedly escalated my case XX/XX/XXXX I spoke to retirement plan services again to follow up on my case they indicated they were working on it told me they were sending me another fraud statement I needed fill out and send back for the third time. I informed them I've already submitted fraud cases twice which they then acknowledged and said they were attaching my previous fraud documents to the escalation. They said they hope to have an answer for me next week.
Product: Credit reporting or other personal consumer reports

US Bank closed the first bank account that I opened with US Bank for an unknown reason and may have reported false " potential fraud '' to consumer reporting agencies, such as XXXX. This action resulted in being denied banking accounts by other banks.