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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Someone is apply for capital one national assoc 3 times a month without my knowledge for a total of 73 inquiries that i have no idea about
Product: Debt collection

I received A letter in XXXX 2017 stating that I had that which was to be collected for my insurance company. However I contacted the company and my insurance company at the time and my pharmacy and was not able to find any payments that were due. The letter said that my insurance company did not cover me at the time of the prescription however after calling the pharmacy and the insurance company is verified that I was covered and they do n't see any charges showing that I owe money. When I talked to the insurance company they tried to call the number on the letter and it just kept ringing and saying to get a number and they will call back. The person at the insurance company said it seems like it must be a scam because I do n't owe them money and this phone number just kept ringing and saying to give my phone number.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injuries to my credit score.

Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to Experian, XXXX, and XXXX. The credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to? 

How did they complete this investigation?
Product: Debt collection

I have this company, debt collector called UNICEN that is trying to collect a credit card debt collection from over 14 years ago and keep harassing me about it which it was my father 's credit card that happened to get mixed with my name when he passed away and I received a call from this number That didn't have a name on the caller ID just the phone number and I don't know or I thought that is illegal for them to misrepresent who they are when they call
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX from XXXX contacted me regarding my complaint I filed with the CBPB. My house was wrongfully foreclosed and I am asking XXXX to rescind the sale. She said she would fully review my loan file. Everyone who has reviewed my loan file has found no wrongdoing, when I know violations have taken place, but they do not care. After I mentioned the denials of my loan modifications her answered was that I had been in default for too long. A closer look at my file would have show the history of me trying to prevent further default. I offered XXXX dollars to partially cure a debt of XXXX dollars back in XX/XX/XXXX. The servicer refused to accept my money instead I was led to believe that I was going to receive a loan modification because I had a pick a payment loan. This did not happen instead I was put into a non-ending loan modification process and then the WFHM blamed the US TREASURE for the loan modification denials as NEGATIVE NET PRESENT VALUE. I COULD NOT APPEAL THE DATA INPUT ON THE XXXX. XXXX  made it sound like it was the fault of the government for not being approved. the investor was WELLS FARGO and under their in house loan modification it did not mentioned anything regarding negative net present value. the XXXX Had to be 31 % or higher and for years until a few weeks ago that I did some tables for some of the loan modification denials I realized that I had 31 % and higher and that I could have been approved, the problem was that my house from my family had equity and it was the equity that made it more beneficial for the investor XXXX XXXX XXXX, XXXX to foreclose than to assist me obtain a loan modification a long time ago. 

In XX/XX/XXXX, the trustee used the XXXX from XX/XX/XXXX which has robo signer and a false declaration of compliance under penalty of perjury and lying to the consumer that they were obeying the law. I was told by XXXX that there was no need to record a new XXXX and they used the old one from XX/XX/XXXXto foreclose my home. WHAT HAPPENED TO THE CALIFORNIA HOMEOWNER 'S BILLS OF RIGHTS. WFHM HAS VIOLATED AND HAS USED THE LAW TO PRETEND THEY ARE OBEYING THE LAWS THAT WERE SET TO PROTECT US. IN THE PAST THE CFPB ONLY has collected data from homeowners, but to this day has not accomplished the prevention of fraud and removing us from our homes when we can afford our payments and we are willing to remain in our homes. I HAD A LOAN FOR XXXX AND A VALUE OF XXXX WHEN I TOOK OVER THE LOAN FROM MY FAMILY. THIS WAS A REFINANCE NO CASH OUT PICK A PAYMENT LOAN. I LOST EQUITY AND MY HEALTH TRYING TO PREVENT THIS WFHM CRIMINAL INTERPRISE FROM TAKING MY HOME FROM ME AND MY CHILDREN. THANK YOU, XXXX XXXX
Product: Debt collection

NATIONWIDE IS REPORTING INACCURATE INFORMATION ONTO MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE NEVER HAD ANY DEALINGS WITH NATIONWIDE RECOVERY NOR THE COMPANY XXXX WHOM THEY REPRESENT. I HAVE NEVER HAD ANY TRANSACTION RELATING TO THESE FOLLOWING ACCOUNTS. 

NATIONWIDE IN THE AMOUNT OF {$1900.00} AND {$68.00} AND {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan through Automobile Acceptance which became delinquent. I paid off the debt after repossession through their lawyer XXXX XXXX XXXX. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The insurance premium on my XXXX XXXX XXXX XXXX policy on a second home is going up 15 % based upon a score of XXXX ( out of XXXX ) provided by LexisNexis Risk Solutions XXXX Inc., which is both arbitrary and capricious under the surrounding circumstances. E.g., my XXXX   credit score based on the same or similar information used by LexisNexis is a XXXX ( out of XXXX ), or 97.4 % of the highest available score. By comparison, my insurance score should be about XXXX, not XXXX. Further, each of the four primary factors cited in the XXXX XX/XX/2020 letter from XXXX XXXX as the reason for the " insurance score '' that resulted in the adverse action letter ( and a bill for a 15 % higher annual premium ) is arbitrary and unreasonable both on its face and under my individual or joint financial circumstances, particularly the 2 reasons cited that relate to LexisNexis ' own apparent ignorance and/or lack of information ( Codes 0909 and 0911 relating to " INSUFFICIENT INFORMATION ON DEPARTMENT STORE ACCOUNTS '' [ and ] " PERSONAL FINANCE ACCOUNTS '' ). I tried to directly contact LexisNexis at the toll free phone number provided by XXXX XXXX on Monday XXXX XX/XX/2020 to dispute the inaccurate information and " insufficient information '' bases of the score, but was only able to request a report ( which I had already requested on-line ). My repeated attempts to reach an agent or representative were not recognized by the AI system available via the toll free number.
Product: Mortgage

We had a mortgage loan reported on credit report with XXXX companies ( now reporting on credit report as owned by XXXX and asc ..American servicing ) .The loan was a fraud, documents switched, fraudulent notaries, loans we had actually never signed or seen ..we had know something was very wrong with our loan as we were paying over {$1200.00} more then what we had been told but could never get any answers our realtors disappeared. We knew nothing about this elaborate case till the XXXX County District Attorney contacted us and made us part of there investigation into our realtor and took him to court and prosecuted him ... I think it was XXXX felony charges against him.. I have since contacted XXXX to remove these items as identity theft and fraud were proven in a court of law but they continue to give me the run around and ask for police reports..I have non but I sent them all the XXXX DA information and court records which they ignore. ASC I also disputed but they also just reported everything back as accurate! According to all credit reporting laws this should not be on my credit report..please help.. thankyou.
Product: Debt collection

I had several phone calls latter part of 2018 about a credit card balance. I told collector each time that did not or ever have an account with the credit card company and that it was not my debt. They tried to cajole me to then identify whose it was but I stated it was not me responsibility to assist in that effort. Then in XXXX I got a certified letter from attorney XXXX XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX instructing me to pay them and insinuating legal action if I did not.I call their firm and told the answerer that they hand made an error. I sent a certified response again telling them it was not my debt that I never had any dealings with the credit card company or the debt collector. I did not ask for any support documents but they replied with copies of account statements and those statements clearly show the account holder being a different address, different birthday, and I assume a different phone. It is clearly not me. Then on XX/XX/XXXX these people filed suit against me in Magistrate court for the debt. They have ignored my repeated attempts to clear this up. It is obvious and immediately evident that it is not my debt. I suspect they used the roughshod tactics to intimidate me into paying others debt. I intend to counter sue them for possible credit rating issues, defamation, and stress and aggrivation.
Product: Payday loan, title loan, or personal loan

Lendly Loans also known as XXXX XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) they have placed incorrect information on my Credit Report. This was an online payday loan and they reported it falsely on my credit report as a MEDICAL! The balance reported to ALL 3 Credit Agencies are all incorrect and completely different. I'm not sure why this Payday Loan Company is reporting false information that is a violation of defamation of character.
Product: Money transfer, virtual currency, or money service

I fell victim to an investment scam by a company named XXXX XXXX between the period of XX/XX/XXXX to XXXX XXXX company seemed very legit.There was customer support to answer any question or concerns and also an email address where confirmation of my money being sent via XXXX was confirmed .Upon agreeing to this investment, I was also given contacts to sign for verification purposes.The transfer amounts of {$54000.00} were made via my Wells Fargo Account.I have sent two emails to Wells Fargo regarding this devastating issue and they have been of no help.They said that once the money leave my account, it can not be reversed.They have also said that the money is untraceable and is not willing to help me in anyway whatsoever. 
Please, also refer to the attached letter for more details.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I used the PNC bank owned and operated ATM at XXXX XXXX XXXX XXXX in XXXX PA and withdrew XXXX dollars. I do not live in the city and this is the last time I used this card. I do not use this card for any purchases and do not have it saved on my phone. On XX/XX/XXXX I was going to make a mobile deposit and noticed my account was lower than it shouldve been. I found a withdrawal of {$200.00} from the same arm location on XX/XX/XXXX. I was not in the city or the area on XX/XX/XXXX and the card was always on my person. I disputed this fraudulent withdrawal online on XX/XX/XXXX and called PNC on XX/XX/XXXX and notified the bank that I was likely a victim of a skimming attack. On XX/XX/XXXX a second withdrawal was made from my account for another {$200.00} at another PNC bank location ATM on XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX I was in XXXX Florida and my card was on my person. I have attempted to dispute this second fraudulent withdrawal multiple times starting on XX/XX/XXXX but the bank has not reinstated my funds. On XX/XX/XXXX I noticed a new second mobile phone number added to my account online, I called PNC and they could not tell me who or when someone added a mobile number to my account. I asked to close my account but the woman I talked to transferred me to a security specialist who told me to just change my online password. Clearly whoever skimmed my atm card is calling PNC pretending to be me and trying to circumvent security protocols to add their personal cellphone. Both fraudulent ATM withdrawals were at PNC bank ATMs and this in of itself is very suspicious pattern. Clearly whoever did this has an intimate knowledge of PNC bank ATMs and security protocols, and I can not be the only one who has been affected. The PNC rep I spoke with on XX/XX/XXXX told me I did not need to file a police report but I will do so now since I have not received my funds returned to my account.
Product: Mortgage

Summary : 1 ) My loan payment be transferred again and again and very difficulty for me to pay ; XXXX ) XXXX XXXX and XXXX gave different statement and no way for me to pay through XXXX. Detail : I closed my home in XXXX with Pulte Mortgage LLC with a 15 year fixed interest rate and I paid to this company and my mortgage payment be transferred to XXXX XXXX in XXXX and I kept my payment through it with an amount of XXXX ; On the XXXX, I got letter from XXXX XXXX that they will not accept my payment by XXXX and my payment transferred to XXXX ( the web is XXXX ) .I tried many times to enroll through XXXX since I got this letter and I could n't because my loan information is not on XXXX system yet.Until XXXX I enrolled and I could n't pay my XXXX payment, XXXX customer said my information on their system since XXXX and I need to pay for the payment through phone. I talked to this same person for more than 5 times for I ca n't log-in to pay and I was told there is one week gray period. With big argue XXXX waivered the charge for me to pay through phone. XXXX, I got the letter from XXXX XXXX that start from XXXX my new payment amount is {$1000.00}, and XXXX mailed me same amount payment statement. I tried to log-in XXXX web to change the original {$1000.00} and I could n't log-in XXXX web system and I called XXXX customer and I was hold online for more than 1 hour with very rude customer : XXXX and no solution and XXXX told me : 1 ) call back late ; 2 ) the new payment amount is {$1100.00}. I called Pulte Mortgage LLC, XXXX XXXX and my home county to check what 's the reason for all this troubles and my mortgage kept on transfer and so difficulty with check for my payment. I got refund from my insurance company of {$21.00} recently, and XXXX XXXX said my payment should be {$1000.00}, and the escrow balance is {$400.00} to XXXX ; County said my tax will no change. With this PHH is very frustrated and I doubt they control the online system and people ca n't manage the online auto-pay system then they will charge the fee or made the customer late pay or missed payment with the very serious consequence ; XXXX phone system said their office hour is XXXX and nobody answered the phone after XXXX on regular office time. With a long time on the phone XXXX customer not only very rude by increasing the voice but also told me : it is Monday! I asked her does that is her answer for customer and she put me on holding for more than 25 minutes to wait for the specialist to help me log-in and nobody 'sow-up ', and told me the payment date is XXXX and I have enough time. I told her NO because I spend more than 20 days to get XXXX mortgage paid and I do n't want to miss the XXXX payment and be charged for fee through their phone payment system and she was so mad with very rude tone to talk to me. I told her the mail from XXXX said my payment is {$1000.00} but she said that is not right and she said she talked to tax person. I had to stop the more than 75 minutes phone without any conclusion.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A SSA-89 FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX  XXXX XXXX PLEASE REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items and to REMOVE them from my credit report immediately. These accounts are NOT MINE. 
.
Product: Debt collection

Continue to report not accurate information to my credit report that has not been verified, and it is defaming my character and violation of the FCRA! Continue to report late payments on open and close accounts, Reporting wrong name and wrong address, Causing emotional distress
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Account in violation XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account Number XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX  XXXX ) Account Number XXXX 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.