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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as XXXX, Equifax, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA.

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX placed an account on my credit report that I neverhear of and Experian never verify that it was valid or with merit credit bureaus cant place bogus collection account on your credit report that is not valid
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, Extra ( credit card ) # 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 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

XXXX XXXX - Open Date : XX/XX/year> - Account Number : XXXX Amount - {$XXXX} SAME ACCOUNT POSTED IN EXPERIAN WITH NAME : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian Consumer Assistance XXXX due to significant inaccuracies, contradictions, and missing information related to the account from XXXX XXXX ( partial account number XXXX ) in my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ) and have negatively impacted my creditworthiness. 

Issues Identified : XXXX. Inaccurate Comments : - Experians report includes the following statements : " XXXX included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX. '' " CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' " Account was in dispute now resolved reported by subscriber. '' - These comments contradict the information provided by XXXX and XXXX, which offer differing remarks about the status of this account. 

- Furthermore, Experian has failed to provide supporting documentation to verify these claims. 

XXXX. Missing XXXX on XXXX XXXX : - Experians report does not include any details regarding the last payment for this account, violating 15 U.S.C. 1681g, which ensures consumers have the right to access the complete details of their accounts.

3. Inconsistent Dates and Payment History : - Last activity : XX/XX/XXXX - Payment history includes : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90 days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 150 days late ) XX/XX/XXXX ( " Charge Off '' ) The rest of the months are blank. 

- These delinquencies and the " XXXX XXXX '' designation are contradictory to : XXXX completely blank payment history. 
XXXX history, which shows different late payments and includes several months marked as " OK. '' Laws Violated : 1. 15 U.S.C. 1681e ( b ) : Experian has failed to ensure accurate and consistent reporting of data.

2. 15 U.S.C. 1681i ( a ) : Unverifiable information, such as the " Charge Off '' status, has not been removed as required by law.

3. 15 U.S.C. 1681g : Experian has omitted critical details about the last payment for this account, denying me access to the complete account information.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$4200.00}
Product: Credit card or prepaid card

I purchased a car using my American express card back in XXXX and the car was a lemon so I returned it to the merchant and I filed a dispute with my credit card company the dispute been going on since XXXX I filed 12 disputes and they keep getting close in the Motions favor American Express told me there 's nothing else they can do to help me I returned the car back in XXXX of XXXX and now it is XXXX XXXX American Express is charged me {$150.00} interest for that car purchase and my minimum payment when 's from {$100.00} a month to {$330.00} a month and American Express told me is nothing they could do I could just have to pay it that 's not a problem my payment should be high this high and I should n't be charged {$150.00} and interest I pay on my card every month one time never missed a payment and I need help I do n't know what else to do {$330.00} is a lot imoney to be paying every month can you please help me every time I call to speak to someone about my account I get someone that 's real nasty towards me or they hang up on me I had to mail my American Express card for 2 years now and it been r has been nothing but headache dealing with them so I close my accounts but I still make payments on my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 n remove the inquiries 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

I really do not know why this is happening... it may be because someone either used my information, or potentially someone with the same name as mine, even by error that the company refuses to admit, but I have reached out to the company multiple times, and I have disputed the information on my credit reports ( XXXX, XXXX, and XXXX ). The problem is that the company is refusing to remove this charge. I was a client there, but these charges are not mine, and as described to me, some of the charges are for FUTURE XXXX XXXX. The medical office policy is that the charges are paid for at the time of service, so it is impossible that there would be any unpaid balance. Whatever the reason, I would like this resolved. I have perfect credit and I always pay my bills on time, and this is a blemish that I do not deserve.
Product: Debt collection

Monday XX/XX/XXXX XXXX make outgoing call because ATLANTIC RECOVERY SOLUTIONS XXXX XXXX where XXXX XXXX gave my debt to kept calling and harassing me to pay them when I told them specific dates that I will be able to make payments. And I made XXXX in payment toward a XXXX debt. Then they keep calling my father in law, husband and bestfriend to collect a debt from me all in a week when I am a broke XXXX XXXX  who isnt working at the moment but is applying to jobs. I have XXXX next week and I will be out for two weeks till I get recovered then can I work full time.
Product: Debt collection

The hospital I wen to never billed my insurance for this debt and did not notify me of any payment needed. I have changed jobs since then and no longer have the same insurance company. I contacted the debt collector and explained the situation to them, They have never contacted be about this debt nor have they responded to my inquiry. The only reason i know about this debt is because i pulled my report online.
Product: Checking or savings account

There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.
Product: Money transfer, virtual currency, or money service

{$500.00} was taken from my account by a fraudulent user on CashApp on XX/XX/2019. CashApp made it seem like I was only approving the message from the user and not the actual transfer of funds from my bank account to the fraudulent requestor. When I instantaneously realized what happened there was nothing that CashApp could do to disable the transfer.
Product: Mortgage

My XXXX saw a notice about Wells Fargo illegal actions with consumers. 
Loan # XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  houses were underwater and loan modifications were offered to help consumer. 
I was in desperate need and called Wells Fargo XXXX both times were denied with modification even thought I was in a financial position and would qualify. This lead to my losing my home with filing XXXX XXXX XXXXXXXX. 
I am submitting a claim XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on or about XX/XX/23 i started receiving notifications about a change on my credit report and after investigating I found a derogatory entry from a collection agency. 

I never received any calls, mail or emails regarding this situation from either the original creditor, XXXX XXXX XXXX, or the collection agency, CREDENCE RM ( Original Creditor : XXXX XXXX XXXX  ). 

Had I received any notification of this situation I would have paid this obligation as my existing credit history surely demonstrates. 

Credence RM did not reach out to me about this obligation and the first that I ever knew there was an issue was when I received notifications that my credit score had changed. 

My understanding is that there is a legal obligation to reach out to the debtor before just posting derogatory information to their credit score. 

I want this derogatory information removed from my credit report and I want this Companies practices noted. I would also like XXXX XXXX XXXX to consider not using this Company to collect on debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. After signing up for credit monitoring services, I noticed a total of 14 unauthorized inquiries. I submitted an dispute to Transunion XX/XX/XXXX notifying the of the fraudulent inquires but after their investigation, all of the unauthorized inquiries remained. I filed a XXXX police report # XXXX. The inquiries are listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

XX/XX/2023 EQUIFAX CREDIT REPORT HAS TWO XXXX ACCOUNT NUMBERS ON PAGES 9 & 10 OF 34 PAGE REPORT. ON PAGE 9, XXXX ACCOUNT NUMBER IS NOT AN ACCOUNT NUMBER ON MY CRDIET CARD. CREIDT LIMIT IS CORRECT. ON PAGE 10, XXXX IS NOT AN ACCOUNT NUMBER ON MY CREDIT CARD. CREDIT LIMIT IS CORRECT. 

CORRECT CREDIT CARD NUMBERS XXXX XXXX  ) SHOULD APPEAR ON CREDIT REPORT. 

DID SOMEONE MIX UP MY XXXX XXXX CARD NUMBER WITH SOMEONE ELSE? 
I'VE NEVER BEEN PAST DUE. I PAY OFF ALL CREDIT CARDS, OTHER BILLS EVERY MONTH, ALSO.
Product: Debt collection

The estate of XXXX XXXX XXXX is in receipt of your ( Select Portfolio Servicing, Inc. ) letter dated XX/XX/2010, entitled, " Your Mortgage Has Been Referred For Legal Action. '' In this letter SPS communicates wrongful and fraudulent information and continues to assert they are servicing an account according to the loan agreement and mortgage agreement. As the executor, I have disputed this claim on numerous occasions with supporting documentation to no avail. SPS continues to harass the beneficiaries of this estate by trying to manipulate and fraudulently misrepresent the facts. Additionally, XXXX XXXX and SPS have fraudulently filed a mortgage assignment for which I have provided proof, for a property in which they lack standing to pursue legal action on. XXXX - SPS and/or affiliates have never filed a legitimate claim per New York State Probate Law. 2- Should SPS pursue legal action, as the estate 's representative, the case will be defended vigorously in the court of law. Please do not respond with the typical cut and paste, uninformative, untruthfully, annoying and meaningless legalese. Merry XXXX!
Product: Student loan

I am on a income based repayment plan. I started with XXXX  and was transferred to MOHELA XXXX XXXX  XXXX. When we were in COVID forbearance and my loans were still with XXXX, I was emailed and alerted by XXXX  that I was due for my recertification of my income based repayment plan. I was not aware that no income recertification was required during the COVID forbearance. I did my due diligence and recertified online on XX/XX/XXXX. This resulted in a higher payment compared to the previous year due to my higher income. 

I believe I should not have to pay a higher amount due to my servicer ( XXXX ) providing misguidance and false information. It is unfair for me to be punished for trying to do the right thing and I should be entitled to the same benefits afforded to everyone else as no one else has been required to recertify their income during the COVID forbearance period.

I have tried contacting MOHELA and have explained the situation above but they state they are unable to retract my income recertification from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was supposed to remove account off my credit report
Product: Credit card or prepaid card

I applied for credit card issued by wellsfargo. I got a communication by e mail that my allocation is approved and the card is on the way and should arrive in one week. To my surprise instead of new card as promised got a letter that my application is disapproved. I want justice. I should add that my fico score is XXXX
Product: Mortgage

An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to all 3 bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. Equifax failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. Equifax, has once again violated my consumer rights. Im demanding a deletion of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

JP Morgan Chase Bank XXXX XXXX Visa refused to work with my startup business to handle our credit card debt. We experienced hardship due to slowed sales just prior to the pandemic, and virtually no sales during the past twelve months. We attempted to negotiate while the account was still active but they refused. Once they closed the account, they set up a monthly automatic bank withdrawal payment we told them we could not afford. As we struggled over the next several months to make funds available to prevent overdraft charges on our business bank account, the pandemic hit and our income immediately stopped. Due to the seasonal nature of our main product, our marketing plan for 2020 revenues was completely nullified by the pandemic. Because we could not make our recurring payments, our bank closed our XXXX XXXX Account. We have been harassed daily by calls from Chase, and are now being called multiple times a day, both at home and on our business phone, by a collection agency we could not identify until we received the letter uploaded below. We now owe roughly the same amount we did when the account was closed - effectively making the several thousand dollars Chase debited our checking account in XXXX and XXXX useless in satisfying the debt.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. Per 15 USC 1681e ( b ) Accuracy of Report : Experian must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. Please verify and validate the following accounts : XXXX  XXXX : XXXX. 
{$6000.00} balance, Missing pymt. history, Last pymt date doesnt correspond with pymt summary Credit limit reporting on closed account Available credit reporting on closed account. 
XXXX  XXXX {$11000.00} balance, last pymt date doesnt correspond with pymt summary. Credit limit reporting on closed account Available credit reporting on closed account XXXX  XXXX {$4600.00} balance. Credit limit reporting. Available credit reporting. Payment summary and last pymt date dont match. 
XXXX  XXXX {$4600.00} balance, credit limit reporting on closed account. Payment summary and last pymt date dont match. 
XXXXXXXX XXXX XXXX No account number. 
Incomplete and inaccurate payment summary Please provide the following : -Proof of Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( UCC 8-102 ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( UCC 8-102 ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. 
-The business names and addresses of all entities used to verify and validate information in question to allow me to follow up