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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate XXXX {$310.00} XXXX {$480.00} XXXX {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Info : Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I have requested a validation of debt 3 times. I have been disputing this medical debt, as the billing is incorrect and I am being billed for unnecessary charges.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXXXXXX XXXX XXXX  ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : XXXX shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : Credit Acceptance Issue : Inconsistent Payment Status Details : The payment status differs between the XXXX credit bureaus : XXXX : XXXX  days past due Experian : XXXX days past due XXXX : At least XXXX days past due Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXX Systems Issue : Incorrect Account Types Details : The account types are inconsistent : XXXX : Open account Experian : Collection XXXX : Collection Additionally, the dates last reported are inconsistent : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX ( with no reporting from XXXX ) Additionally, there are XXXX different dates of last activity : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is XXXX source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.
Product: Checking or savings account

I hope that you are able to receive what I had initially describe hope. It was not in vain? It was whole lots I'm hoping that it was forwarded to you. Please let me know thank you chases the main account XXXX. What's needed there and I as the copy of the only thing that I have left? Hope Chase because I lost a lot of stuff in a home fire so I'm really. Working with very little documents thank you
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

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 XXXXXX/XX/XXXX
Product: Debt collection

A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number
Product: Credit reporting or other personal consumer reports

i have requested many times that the reporting bureau correct the ssn on my report, given that the one currently being shown does not belong to me, however, they have refused to correct such information making impossible for me to obtain credit accounts. I have provided them with official documents as proof of my correct information and they still refuse to correct it.
Product: Credit reporting 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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX  XXXX XXXX has violated my rights. 
I looked at my XXXX 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 ) ln 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- ( ) 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 ( il ) 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: Credit reporting or other personal consumer reports

I want signed and verified documents of these inquiries with account numbers that they belong to, I dont acknowledge none of these what do evev
Product: Credit reporting or other personal consumer reports

As a victim of identity theft due to the following data breaches below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have compromised all of my data being shared from XXXX, XXXX, TransUnion, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 12 CFR 1002.9-1022 and Section 701 ( d ) ( 6 ) ( 15 U.S.C. 1681-1691 ( d ) ( 6 ) regulations C-B, multiple accounts appear as inaccurate information on my credit reporting profile e.g. debt collecting agencies, credit bureaus, name, address, phone, and inquiries.
Product: Vehicle loan or lease

Asked via phone calls and email correspondence, to have payment dates moved around, also expressed that payments for the next few weeks would come out on later days due to my current finances. 

The customer service rep XXXX XXXX, has been calling harrassed me, and threatened to send my car in to collections for being as little as a day behind. I requested several times to have someone else take care of my accounts, but she still harasses me. 

I called the number she specified for me to call, and someone else took care of my payment, and she refunded it, because she said she was the only one who could authorize payments on my account. She then threatened to send my account to collections. I assume they must make some kind commission of off payments, so she hounds me to secure her commission. 

I didnt have any problems with my account until she interjected herself. She disables my online account so I cant make payments. And refunded my money, because it takes 7 days to hit my account and now they are going to apply late fees, and report me negatively and reduce my credit score.
Product: Mortgage

I applied for a 25 year conventional mortgage from Wells Fargo to refinance my existing Wells Fargo mortgage. Wells Fargo denied the application. It appears to have denied the application based on pre-Regulation Z debt-to-income ratios. I say appears to have because it has also refused to issue me a written, detailed description of the reasons for the denial, and further refused to issue that written description in large print pursuant to the Americans with Disabilities Act. It claims that only billing statements are available in large print.
Product: Credit card

I sailed on XXXX XXXX XXXXXXXX XXXX XXXX XXXX  that docked in XXXX, XXXX, on XX/XX/2024. 

In XXXX, I was targeted as an unaccompanied older woman and was lured off XXXX XXXX into XXXX XXXX XXXXXXXX XXXX XXXX at XXXX and XXXX XXXX. The person on the street handed me off to two men inside the store, XXXX and XXXX XXXX XXXX XXXX. I was scared from the start, and being alone, unable to extract myself from the situation. I was not left alone at any time while I was in the store. The men gave me water, then an alcoholic drink, and at least one, if not both, were XXXX. From that point on everything gets hazy, including how they accessed my credit card. 

XXXX was the instigator, a large, fast talking man. XXXX and XXXX spoke to each other in a foreign language behind my back. They pressured and badgered me to buy their products. I repeatedly told them No! I have a vague recollection of having a pen put in my hand, a piece of paper placed in front of me and XXXX standing over me barking Sign it! I was scared for my life, signed the paper and was finally pushed out of the store where I managed to make my way back to my ship. I was victimized, terrorized, and made ill by whatever they gave me. I became ill that night and remained in my cabin until the ship docked in New Jersey on XX/XX/XXXX, and remained ill for several days after my return. I did attempt to to seek medical care once I was back home. I have since learned that this XXXX  scam is a known crime perpetuated against older women, especially those that are alone. It also happens in the XXXX. 

A box was shipped to my address from XXXX XXXX, Florida, despite my multiple attempts at telling them no in XXXX. I refused the package and XXXX returned it to the sender. Proof was provided to CapitalOne from XXXXXXXX XXXX  website. 

The Companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX CapitalOne was notified by phone of the scam on XXXX XX/XX/2024 when the charges were pending. The company refuses to stand behind me and is allowing the {$5200.00} charge to stand, despite multiple attempts to explain the crime to them. 

An informational police report was taken by XXXX XXXX XXXX at the XXXX County Sheriff 's office on XX/XX/2024, Case # XXXX ; the XXXX XXXX  Police and the FBI were contacted on XXXX XXXXXXXX XXXX ; the U.S. Consulate in XXXX was notified, as was XXXX XXXX XXXX  in XXXX by email on XXXX XXXX XXXX  as I was unable to reach them by phone.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States l have the right to privacy.

15 U.S.C1681 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: Mortgage

for the past XXXX years we have been going arund and aroun with shellpoint mortg we applied for a loan mod denied becouse i do n't make enough money for a loan mod so finally we got a agrement pay 6 payments on time and you will get it we did it flaulessly 5 months later still nothing mailed then the letter comes saying all the items are out of date so we update it and go again now we got a call from loss letigation that the docs r on there way approved after weeks and weeks and 40 or 50 calls we get papers to sighn and return we r happy until they say the notary republic did it wrong which was untrue so we sighn and noterize again now we call and get updates and all is good even though we get letter that they never received our docs but we call they say its all done docs r on way well we get envelope from them with a letter and a app to start a loan mod i will attach these letters
Product: Debt collection

I have contacted this company 4 times, each time I get a different story. I would like to get this debt settled but XXXX XXXX says that they will not remove or delete this off of my credit file.I have offered to pay them 30 % of XXXX which come to XXXX. I learned they bought this debt for XXXX from XXXX. Everyone I spoke to was nice but was never able to assist me with this issue. I would like this item completed removed from my profile. I have asked them to please send me a letter to my address on their letter head stating that once I pay this amount they will remove and delete this from my credit report. Please help I would like to soon move into a home and this derogatory mark is preventing me from home ownership. Please CFPB I really need your assistance on this.
Product: Debt collection

SPS has been very fraudulent and dishonest with me on several occasions. 
1 ). On two occasions when I have written to enquire of dishonest activities, I have received letters from SPS stating that I called to state I was struggling financially. SPS will then offer more 'fishy ' deals rather than reviewing the complaints. This is very dishonest because I never called SPS. 

2 ). I have asked twice for a payoff amount to my mortgage and I have been given two different quotes with a difference of several thousands of dollars 3 ). SPS has on several occasions without adequate verification dishonestly charged fees and Escrows of several thousands of dollars to mortgage accounts. This is so wrong I am sincerely asking for a thorough audit of this company to review its financial irregularities. 
Please see attached.
Product: Mortgage

What happened : I have repeatedly reached out to the involved parties, XXXX XXXX XXXX  ( XXXX ) and Aldridge Pite LLP, and despite notifying them of these issues, I have not received satisfactory responses. The foreclosure process proceeded, even though fraudulent activities occurred, and I was not involved in the loan. 

They are fully aware that I was misrepresented as both the borrower and the buyer in the loan documents for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and despite this, they were willing to take advantage of the situation. Despite being unemployed and not participating in the loan application or approval process, my name was included in the secure funding documents and deed of trust without my knowledge or consent. I was never informed about the implications of signing these documents, nor was I given proper disclosures regarding the loan terms, fees, or other related costs. 

Additionally, I contributed settlement funds as the down payment for the property, but the source of the down payment was not disclosed, and I did not receive any receipt for my contribution. My personal information was misused during the loan approval process, even though I was not involved in the loan. These issues were further compounded by fraudulent appraisal reports and misrepresentation in the loan documentation, which ultimately led to the wrongful foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested four times over the course of the last 3 years to have erroneous information removed from this TransUnion Eviction Report and they refuse to correct the errors further violating my rights, causing me multiple damages to include : preventing me from renting any properties, being denied multiple times and having to pay and lose rental application fees, and I'm currently residing in a hotel. 

Clearly ; how could I've been evicted from a property ( 4 ) times over the course of 10 years but still allowed to stay - further having made all payments ( sometimes late ) but paid in full. Also, there's an additional " erroneous '' eviction reported as of XXXX, XXXX ; however, neither XXXX XXXX XXXX, MD Case Search has ever shown this nor could this be possible because I moved out of that community on XX/XX/XXXX which is also displayed ( circled ) on the general ledger provided by the Leasing Mgr. and dated XX/XX/XXXX - in addition to the letter stating that I've never been evicted from that community or any community. 

XXXX also known as XXXX XXXX XXXX forwarded updated information to TransUnion in XXXX, XXXX ; however, they continue to illegally report this false information and will not remove it.