23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In XXXX  XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. Experian has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again Experian for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623, Cushman v. Trans , Union Corp. US Court of Appeals for the third circuit court case 115 F. 3rd 220 and DC NO. 95-cv-01743. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of US Court Of Appeals, Ninth Circuit, No 00-15946x Nelson V Chase Manhattan XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within 30 days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Product: Mortgage

Id like to respond to a previous complaint to Wells Fargo on a mortgage issue. I was advised an 7 year ARM rate of 3.25 %. I confirmed with the loan officer over 3 times that we could use the higher XXXX score of my husband even though Im the higher wage earner. I was further told that I could lower rate by another 0.125 % with {$250000.00} moved over to Wells Fargo. However after I applied I was told that the best rate is 3.5 %. They suggest that I move over XXXX so I can get 0.125 % rate discount, knowing the fact that I should have received a rate of 3.125 % with the deposit. This is a clear violation of Truth in Lending Act. Its bait and switch tactic used by the bank. I could have gone with XXXX XXXX XXXX with a better rate. The bank responded by writing me a {$200.00} check and explained that rate can change during underwriting process. This is totally untrue given that Ive provided all the required documents and my XXXX scores and locked the rates of 3.25 %. The rate changed to 3.5 % not because of you identified any red flags in my credit profile but misrepresentation of the loan officer. Its humiliating to mitigate with {$200.00} check knowing that 0.25 % difference in interest rate on a {$850000.00} loan would make a difference of over {$14000.00} in 7 years ( the loan is 7 year Arm ). Its extremely frustrating as the lender notified me of the raised rates two weeks into the underwriting process where we had no choice but go along with it given that weve waived loan contingency and was at a crunch to closing! Its beyond frustrating to think that Wells Fago has done this to other borrowers during the loan process and tried to settle with a {$200.00} check when someone reports their act.
Product: Debt collection

XXXX has my account on collections which should not be in collections. Previously XXXX has said after submitting my insurance card at the time they will delete all collections that happened after that. In my attachments it's clearly shows I had insurance PRIOR to the collection date. I'm asking the beaurus to do their due diligence and the facts I presented to have these items deleted. And not just accept the companies response of " account is verified ''. I'm also uploading my license and social to verify myself so the besrud don't mail me asking for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Subject : Request for Method of Verification Under FCRA and TILA Dear Sir/Madam, I am writing in reference to the recent response I received regarding my dispute concerning inaccurate information on my credit report. Your response indicated that the information has been verified, yet no supporting documentation or proof of verification was provided. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), I am entitled to receive a detailed description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher of information who was contacted during the verification process. Furthermore, the Truth in Lending Act ( TILA ) mandates that accurate and transparent information is provided to consumers, particularly when it concerns financial transactions or obligations. 
To comply with both the FCRA and TILA, I respectfully request the following : 1. A full description of the procedures used to verify the information in question.

2. The name, address, and telephone number of the entity or creditor who furnished the disputed information.

3. Copies of any documents, records, or contracts you relied upon in making your determination.

If you are unable to provide this documentation and the required method of verification, I request that the disputed item be removed inmediately from my credit report in accordance with the provisions set forth by the FCRA and TILA.

Failure to comply with these regulations will leave me no choice Finding a lawyer and starting the lawsuit process I look forward to your prompt response within the 7-day time frame required. Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit card

Good Morning I would like to address this issue by saying that I contacted synchrony bank due to some credit cards that I owe. I stated that I am going through a financial hardship due to an illness that could potentially be deadly to me so I am unemployed due to that matter and they did not apply any type of hardship services for my matter and I would like to have this matter cleared up so that it would not continue to have a negative impact on my credit report. A representative told me over the phone that they could not do anything about that and that they will still continue to have late payments and negative impacts on my credit and will continue to call me concerning the bill. I think that is unfair and very evil and I would like for something to be done about this matter and would like for that negative impact to be removed from my credit report.
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 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was greatly affected by Covid. I lost my job, and shortly after lost everything else.
Product: Credit reporting or other personal consumer reports

There was fraudulent transactions made on my Consumber Report, There are two accounts from the same compnay clainimg that I have done business with them in the past, I have no knowledge or no record of these transcations taking place.
Product: Credit card

Several months ago, I made a purchase at a XXXX Sears Store. At that time I changed my billing address. Giving the store my new address. I thought the bill came in and was paid months ago. Yesterday, I received XXXX Sears bills in my mail box. They were placed there by the person that purchased our previous home. All with late charges. Today, I called the XXXX number and spoke to XXXX Citi Bank reps. I paid the original purchase however, they will not waive the remainder late fee. XXXX of the XXXX reps disconnected our phone conversation. I have an excellent credit score. The gentleman at Sears did not tell me that I had to contact XXXX XXXX directly to change my billing information.
Product: Checking or savings account

I sent money to someone on XXXX. I was purchasing XXXX XXXX tickets. 
I sent the money to the person but it wasn't who I thought it was. 
I thought I was sending money to a friend but I learned that their XXXX was hacked so the person I sent the money to wasn't my friend. It was a scammer. I sent the money to the person and I never got the tickets that I thought I was purchasing. I submitted 3 disputes with PNC to get my money back but I had no luck. PNC should have better technology where they can detect that I was being scammed. They should be able to get my money back since I was scammed. I was a victim. I am a current client of theirs and the least they can do is give me my money back. They are a horrible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Debt collection

I recently reached out to XXXX XXXX XXXX after noticing a potential fraudulent account opened under my name. After reaching out the problem was never resolved nor have I heard anything back from XXXX XXXX XXXX I explained that I have never owned this card nor did open or have access to this account and would like this removed from my credit.
Product: Debt collection

Several months ago I received I was put in collection account with credit burros by AWA Adler Wallach Associates Inc located XXXX XXXX XXXX XXXX, XXXX CA XXXX. 
I called Collection agency and asked why are they reporting me since I have not gotten any prior notification from the XXXX or the copy who hired AWA to report me in the collection. 
I was was told that XXXX XXXX is reporting for not having insurance in XXXX. 
I had cancel the insurance with a XXXX in XXXX and wrote to them written cancelation informing them that I am getting new insurance with another company. I also told them verbal that t I no no longer wish to be purchasing insurance from XXXX In XXXX I got new insurance with XXXX XXXX. 

Before canceling with XXXX that I made one payment on XX/XX/XXXX to XXXX  to. 
I contacted AWA Adler Wallach Associates Inc and told them the are reporting me not legally and that t id have insurance with another company and that t was my decision to go with another company and is not prohibited in XXXXnited State of America. 
I have a choice whom I buy insurance on my cars and I can not be forced to have insurance and make the payment to XXXX or reported to collection agency. 

AWA Adler Wallach Associates Inc told me to show the proof of insurance with another of insurance with another company. I went to a XXXX XXXX XXXX and with my private bake send the necessary documents. SEE ATTACHMENT AWA refused to acknowledge this documents and is very aggressive toward me and not willing to remove the fraudulent reporting me to burros that is at thus time costing me hundreds thousand of dollars. 
I contacted XXXX  and spoke with a very friendly person who told me XXXX does not take written but only verbal ones ( I did cancel verbally as well ) and requests of cancelation of the insurance but she told me I am able to cancel it now upon this phone call ( XXXX XX/XX/XXXX, to sent to her proof of insurance. 
The reprehensive from XXXX vas an extremally helpful and polite. I did sent t her proof of my insurance during them the money XXXX  claim I am owe them money. Further to my pleasant surprise I received an email from XXXX  a confirmation of our conversation and the address where I must sent proof of insurance from another company. 
SEE ATTACHEMTS
Product: Debt collection

I have requested removal of an item from my credit report. The creditor removed it from my XXXX credit report correctly, but has not and will not remove the same account from my XXXX credit report. I 'm asking that the creditor please remove this deragatory mark from my XXXX report as well. The company is Health Services. This information posted on XXXX is incorrect and should be removed as it was removed accurately from XXXX.
Product: Credit card

American Express denied my application because of a closed account back in 2009 from a filed bankruptcy. The company was closed no longer exists, My credit score is good.
Product: Credit reporting

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Product: Debt collection

Called on XXXX to resolve a debt and I was connect with XXXX. XXXX was very aggressive, rude and disrespectful. I tried to ask a question about a settlement and she kept interrupting me and would not let me finish the question. 

I asked her not to be rude by interrupting me and she advised that she was trying to answer my question. I responded how would you know my question if I wasnt allow to finish it. She continue to talk over me and tried to end the call. I asked to speak with a supervisor. She transfer me to a voicemail. I called back 2x and got XXXX and she transferred me to a voicemail. I have not received a call back and would like to file a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to report an issue I encountered while trying to contact TransUnion regarding a loan account that I paid off on XX/XX/year> in the amount of {$200.00}. Total remaining payments {$0.00}. 

On XX/XX/year> I attempted to reach their customer service and was placed on hold for over two hours. Unfortunately, I could not wait any longer and had to hang up without speaking to a representative. 

This experience has been incredibly frustrating, and I would appreciate any guidance or assistance you could provide in resolving this matter. Thank you for your attention to this issue. 

Sincerely,
Product: Debt collection

I served notice to Midwest Recovery requesting debt validation on XX/XX/2019. Due to the fact that they have not provided an updated address to the credit reporting agencies, the letter was forwarded multiple times but was ultimately received at their headquarters in XXXX XXXX, Missouri. 

In the meantime, I filed a complaint with CPFB ( XXXX ) stating the same ; that Midwest Recovery has failed to validate my debt. I also disputed this debt with the credit reporting agencies. Midwest Recovery answered the CPFB complaint and stated that they would seek verification from their client, XXXX XXXX, and mail me a validation of the debt. They have not done so. 

However, they HAVE answered the disputes that I filed with XXXX, the credit reporting agency, where they validate the debt and state that it complies with the FCRA. They last did this on XX/XX/2019. However, they have still failed to provide me with ANY documentation pertaining to this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies in my personal information, including incorrect addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and the correct spelling of my name as indicated on your website. 

To facilitate the correction process, here is a list of the incorrect addresses currently appearing in my report that I would like removed : XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name is misspelled in various ways in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXXXXXX XXXX The only employer that should be listed is : XXXX XXXX XXXX These inaccuracies are causing challenges for me in maintaining an accurate credit report and are affecting ongoing legal processes. Therefore, I kindly request the removal of the incorrect names, addresses, and employers from my credit report and that it be updated accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I sincerely appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Both Transunion and XXXX continue to allow a company with no standards to report the wrong information. XXXX XXXX sold my loan to XXXX XXXX XXXX. XXXX shows 2 late payments under XXXX XXXX XXXX. Transunion shows late payments under XXXX XXXX. It is the same company. 

The loan has been paid in full. Further, the company has noted that the account has never been late and that a " mechanical error '' is causing the late reporting. It has been corrected and continues to revert back to the wrong information. 

This needs to be fixed and frozen with no more updates to this account once it shows never late as the letter attached from the company shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy- account # XXXX, XXXX # XXXX Bankruptcy- account # XXXX, case # XXXX i pulled my credit report and seeing my bankruptcys on my credit reports and not understanding why when the court house doesnt share information to credit bureaus 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following XXXX inquires I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX