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

I submitted 2 different disputes to experian about an account that is not valid. The entry is XXXX-XXXX XXXX XXXX for {$490.00}. I asked them to verify the validity of this debt because XXXX would not provide me with details of this debt. Ie : When, where, and the details. This is not mine and experian would not provide me with anything to prove its mine. I already had this debt deleted from the other 2 major credit bureaus XXXX  and XXXX. Both of the other 2 bureaus  could not validate the debt and removed it from my reports. Since I couldnt get XXXX to send me proof I asked Experian and they responded that it was not their responsibility to do that and I asked them how they verified this debt as mine they responded that XXXX told them it was mine! That is not proof nor is it validated and if the other 2 bureaus could not verify its validity then how is Experian able to? And if they have validated and proved it is mine then why wont they share that information with me? I want this item removed from my report immediately!
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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: Consumer Loan

fell behind on pymnts and they have showed up to/ and called my home and my job even after I requested them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX  XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.
Product: Credit reporting

My identity was stolen. I filed a XXXX XXXX XXXX police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, XXXX, and Experian. They did not do a thorough investigation.
Product: Credit reporting or other personal consumer reports

Marcus Goldman Sachs incorrectly reported a 30 XXXX late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i noticed fraudulent address that do not belong to me. I am request that the following address be remove because they are not associated with me and i have never lived at any of these. 

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 have items on my credit that should either not be there or updated. I have submitted multiple disputes with proof to have these updated and removed but they continue to tell me they will not update it. They make it very difficult to submit supporting documents and on occasion has not allowed me to include these. I have also been notified im no longer allowed to dispute certain items off my credit as they are " duplicates ''. Which is true however of they actually did an investigation they would see where the company and experian is wrong in keeping the debt on my credit.

Affirm- when an account is paid at a 0 balance you should be updating this. I have had 3 accounts that you have done this to and are refusing to update credit reports when the consumers pay them off. This is wrong. If you can report monthly if you received a payment or not you can report when an accout is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Dear Experian : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : XXXX. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

XXXX. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : DEPTEDXXXX XXXX US DEPT ED XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only XXXX who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, XXXX XXXX XXXX.
Product: Debt collection

I had a wireless account with XXXX and somehow the billing got screwed up and my service is disconnected. So I know I owe XXXX but I have already paid {$1400.00}. into the account when it was current and not sure how I am owing {$2600.00} sent by a collection agency after a year of service for an XXXX and XXXX. I sent in a written request to validate debt and they put it on my credit anyway with out verifying and they are calling me all day while I am at work. I would like them to remove the debt from my credit report and validate how much I owe. I am attaching the bill from XXXX. I call XXXX  and they cant get the billing right. The debt collection agency is Credence
Product: Vehicle loan or lease

I am writing to dispute the voluntary repossession entry on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this information be promptly deleted from my credit report. 

Here are the details of the erroneous information : XXXX  Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} I contest the accuracy of the voluntary repossession entry on my credit report. The information provided is incorrect and misleading. There was no voluntary repossession associated with this account. 

I request that you investigate this matter and promptly remove the erroneous information from my credit report. As per the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action. 

Please provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.
Product: Debt collection

The store that owns the credit card is closed and filed bankruptcy. XXXX XXXX credit card was taken off of my credit report. It is now being reported negatively with incorrect dates. I am getting phone calls from unknown numbers, XXXX numbers, XXXX numbers and or any other number. They are calling repeatedly back to back despite being asked not to call. The calls start as early as XXXX XXXX  and are sometimes back to back different numbers or every hour for several hours.
Product: Checking or savings account

I had fraudulent activity on my account, with my Wells Fargo Checking Account and they refuse to investigate in which closed my account. The amount XXXX, I have called on several occasions with agents telling me there is nothing they can do. This is now reporting on my credit report. I have had extensive communication with WF, with no help or support, this has been devastating as during this time, my family and I are are not in a good place with family illness.
Product: Credit card

XX/XX/XXXX I received an email from capital one stating, I was approved for a new credit card. However I never applied for one. Than I received an email my phone number had been updated! Fast forward XX/XX/XXXX, I received an email that my card is coming in the mail on XX/XX/XXXX. However I never applied for a credit card!
Product: Mortgage

I closed on the purchase of my home in XX/XX/XXXX. With the economy if XXXX I was able to refinance my home to get a much better rate and payment. After comparisons I chose to refinance with my same lender Cardinal Financial that refinance closed in XX/XX/XXXX. At the end of XXXX I was notified by the county to pay additional supplemental taxes not covered by my lender, which i paid in the amount of XXXX. In XXXX of XXXX I was notified that my house payment would be increased from XXXX toXXXX after an escrow analysis was done on my account due increased taxes. After contacting my company and requesting reanalysis I was notified that my payment would actually be increased from XXXX to XXXX for the remaining 29years left on my home loan and I would need to pay an additional XXXX to my account up to date. The company states during my refinance upon request the county quoted them my property tax at XXXX bi annually but later after closing when the bill came in my property taxes were billed at XXXX bi annually causing the difference. Those wrong numbers were put into my contract by mistake. After contacting the county they state and I have printed proof that my property tax changed in XX/XX/XXXX three months before my closing and the estimate they used of XXXX was only valid from XXXX of XXXX to XXXX of XXXX not through XXXX. Not updating the proper numbers and changing the terms of my loan now has taken any opportunity to continue negotiating before closing or choosing a different lender to refinance with. I believe these actions/inactions breach our negotiated FHA contract.
Product: Debt collection

I have notified IC Systems that this debt is not mine on several occasions. I have asked them to remove this account from my credit file since this account was open as a result of identity theft. To date, IC Systems have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of fraud and I have a Bankruptcy on my three credit reports ( Equifax, XXXX, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in BK ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax requesting a reinvestigation AND Method of Verification about the following account XXXX XXXX XXXX XXXX dated ( Account Number XXXX ; Opened XXXX, XXXX ; Balance {$960.00} ). Equifax just sent me automated reply without providing proof of " Method of Verification ''. I have requested Equifax method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to Equifax in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. Equifax closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents  and a supervisor by the name of XXXX employee # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a supervisor I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and Equifax has yet to respond. I was then transferred over to XXXX the supervisor and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported Equifax and XXXX XXXX to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA Equifax and world finance has broken a number of consumer laws and I will be moving forward with my attorney because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the late payment is XX/XX/2018 where I am marked for a 90 day late payment. I have never missed a late payment and Equifax has cleared the remark but readded the late payment when I never had a late payment and it should be removed. Also, with XXXX they refuse to honor the holder of the loan DEPT OF EDUCATIONXXXX where I have not missed a late payment and refuse to give me a reason or response as to why this 90 day late payment is still on my report and it should not be. I am trying to qualify and get a house and this is severely hurting and impacting my credit to where I can not get a house for a late payment that I did not miss. I am sick and tired of dealing with this and I need to see this 90 day late payment from both Equifax and XXXX removed that I did not do!
Product: Credit card or prepaid card

Hello, Im trying to determine the closed date of my CHASE Sapphire card. Im thinking about reopening a new one but I also know that 48 months has to pass. I called customer service, got bounced around to 3 different people and couldnt get an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference information between all three agency reporting on XXXX Account XXXX opened XX/XX/2012 account is now closed. Information is not consistent. 

In accordance with the Fair Credit Reporting Act I believe this account has violated my rights 15 U.S.C 1681 602 A indicates States, I have a right to privacy. 

15 U.S.C 1681 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # - XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Bank of America states in complaint # XXXX, " Our records show the account was current and due for XXXX XXXX at the XXXX Bank of America acquired XXXX. '' This is 100 % incorrect. Also, IF the following is true : " Further investigation has concluded that at the time of the XX/XX/2011 transfer to XXXX, .... '', there SHOULD BE A RECORD of " Assignment of Mortgage '' between Bank of America and XXXX. The two documents provided to me by XXXX, PA Recorder of Deeds, in regards to the account in question, are the original assignment ( # XXXX ), which is under the name XXXX Bank, and was never transferred into the name of Bank of America. Also, the Satisfaction of Mortgage ( # XXXX ), is listed as " Bank of America , NA S B M TO XXXX ''. There is NO MENTION of XXXX, in any of the above-mentioned documents. Therefore, since this mortgage was never properly transferred, this deems this mortgage as invalid. Also, I do recall during the application process, I met with XXXX, and XXXX. They got the property value online, and stated I had approximately {$53000.00} in equity. I informed the Personal Bankers, I only needed {$10000.00}, to make home improvements. Upon closing, I was informed due to the XXXX/Bank of America merger ( acquisition ), signing new documents, to switch the loan to a second mortgage, instead of a Home Equity Loan, would allow the funds to be dispersed more expeditiously. Had I had known the original Home Equity Loan would have been dispersed in the same manner of time as a second mortgage, I would have requested to leave the paperwork " as-is ''. I am certain Bank of America has the ability to verify the employment of the 2 employees I mentioned. The branch was located at XXXX PA. Zip Code is XXXX.
Product: Bank account or service

I am a victim of identity theft and someone made unauthorized inquiries for credit with my information. XXXX were made under my name to Capital One Bank on XXXX/XXXX/16 and XXXX/XXXX/16. And I am asking them to please delete them. The credit bureaus state they can not remove them unless Capital One gives them permission.