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

I called your department after I purchased a credit report with XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off and collection on my credit report. This is disappointing because I has been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all these time just today I have a charge off and collection that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this charge off and collection accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

Debt is un enforced and can not be collected dont have a legal right too
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting on Experian that I was late on the following dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. That information is incorrect. I paid on time on all those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I made a purchase at my local XXXX XXXX XXXX for {$21.00}. I had forgotten my debit card so I wrote a check from an account I have had for almost 20 years. My check was not authorized by Certegy. I attempted to contact Certegy to find out what was the issue was as I have never had anything like this happen in my life. It is all automated and you can not talk to a customer service rep. I had to order a copy of my consumer file disclosure report which I received by mail. There is nothing on the report that says why my check was declined other then it just did not meet Certegy 's guidelines. There is no reason I should not be able to write a check at a store if I chose too. I have maintained a checking since I was XXXX XXXX XXXX and I now XXXX at the same financial institution. As stated the check that was drawn from a checking account at another financial institution for almost 20 years. I have attached the generic explanation I was given in the Consumer File Disclosure Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specially they provide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof.
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion, XXXX and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my transunion credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my transunion credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my transunion credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed
Product: Mortgage

During the XXXX pandemic I had an income reduction. I fell behind on my mortgage XX/XX/XXXX. I am now back on my feet financially and would like to resume my mortgage payments. I contacted my lender for help and was told that they had offered me a modification that I did not accept. I was told the modification was mailed via the XXXX XXXX XXXX XXXX in XXXX of XXXX. I did not receive or even have a chance tor review before they told me it is no longer available. I was told to apply for a modification and I tried to comply by submitting requested documents, however I was told I was issued a denial XX/XX/XXXX. I requested a copy of the denial on XX/XX/XXXX and XX/XX/XXXX but to date have still not received it nor any procedure to appeal the decision. I believe I should have a chance to accept the previously offered modification. My hardship is the same and I believe it is unfair for me to lose the opportunity of becoming current and lowering my monthly payment due to not receiving the offer. After the offer was sent I was not contacted via telephone or email to advise of the offer. I would like to accept the previous offer. I am now denied with no paperwork to appeal and am unable to accept the original modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this secured credit card account closed back in XXXX of 2015. According to XXXX XXXX rep this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.
Product: Money transfer, virtual currency, or money service

I got scammed and needing help. Lost XXXX to a scammer
Product: Mortgage

Caliber Home Loans is not following the provisions allowed under the CARES Act for my XXXX XXXX loan forbearance extension request. 
The end of my initial 180 day forbearance period is XX/XX/XXXX. I received a letter in the mail explaining my options ( dated XX/XX/XXXX ), one of which is an extension of up to 180 days. 
On XX/XX/XXXX I called Caliber Home Loans to request an extension on my forbearance for the full 180 days. I spoke with 2 representatives who both told me their system will only allow a 2 or 3 month extension. 
XXXX XXXX and the CARES Act make it clear that if an extension is requested is shall be granted to the borrower. I feel Caliber is not allowing me the provisions that I am entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

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 XXXX, XXXX XXXX or Equifax 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 XXXX  XXXX. 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. 
XXXX XXXX
Product: Credit reporting

i check my credit report and it has a liens but the liens are not mine its from someone else i already fix the problem with the other bureau ( XXXX, XXXX ) and they investigation shows that it not belong to me. they take it off of my report. 
so i dont know why transunion keep this liens in his report. 

this is a case of identity theft and i already shows all the documents to prove it to the others bureus sending the police reports, trade comissions report affodavid and a lot of documents they ask. 
so i need to take this off of my report becuse its not mine, and is damage my credit score and job opportunities. 

i already fix the problem even with the irs and i got proof of it ( documents )
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX - XXXX, XXXX XXXX unknown inquiries were made on my Equifax credit report. These inquiries included XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. From this time through XX/XX/XXXX and again in XX/XX/XXXX Ive made several attempts to reach out to each company, each noting that they are unable to locate accounts in my name or social security number with their company or related services. I was told to reach out to Equifax to have the inquiries removed. Several calls were made to Equifax who explained that the companies must provide notice of no accounts. Calls were made to the companies. XXXX of which, XXXX XXXX XXXX, who recently provided documentation stating no present accounts or contact with the company therefore recommending Equifax to remove the reporting. XXXX company XXXX has failed to respond to attempts for assistance. XXXX explained that Equifax must initiate this fraud inquiry. Equifax says XXXX must do so in order to investigate. XXXX says the concern must go through the fraud dept. but can not be investigated as fraud if no account has been identified. In this time I learned that disputes can be filed with Equifax online. This was done in XX/XX/XXXX but again they were unable to resolve the issue. I learned that Equifax actually makes no calls to the companies, rather they just look at the reporting and deem it factual. They again asked for notice from the companies. 
As aforementioned I was able to get a notice from XXXX XXXX XXXX, clearly stating the inaccuracies and need to remove the inquiry. This was faxed ( as their website did not allow uploads despite what it says ) to Equifax in early XX/XX/XXXX but they again rejected the dispute and deemed the reporting factual despite the company providing the notice that they stated was required. These XXXX false and inaccurate inquiries remain on my credit report going on XXXX years and no one seems able to help.
Product: Credit card or prepaid card

In XXXX XXXX 2017 called card company to correct fraudulent mailing address on file. Card was cancelled, address corrected and new card mailed out. Two weeks later receive notice account is locked and to send documents to verify identity. Around XX/XX/XXXX taxes necessary documents. Still locked out of account a week later. Called 4 times and account is still locked. Given email to upload verif8cation documents and still have not had my account unlocked. Transferred and have waited up to 25 minutes on hold and given excuses the department is closed or because of snow or holiday I need to call back. Took 3 phone calls to get email address to upload documents. Now after 4th call no resolution. No explanations. I have a bank account and another credit card with company and no issues but I apparently can not be verified for same address that is on all accounts.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to dispute over the phone with Equifax on XX/XX/2022 the below listed hard inquiries as well. I was informed by the agent that they would be deleted in 24-48 hours. Instead, I received a report # XXXX in exactly 2 days later stating that the hard inquiries were FACTUAL. I know that Equifax did not truly do their due diligence to confirm this information as factual because I should not have received a report so soon had a thorough investigation been completed. This information listed below this is not true, I do not hold accounts with these companies, and they all need to be deleted immediately. The accounts are as follows : 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: Vehicle loan or lease

I voluntarily surrendered my vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) to Regional Acceptance Corporation on XX/XX/XXXX, as outlined in the Voluntary Surrender Agreement. However, they have failed to update the account status or reflect the sale of the vehicle on my credit report. The balance and delinquency information remain inaccurate. I have contacted them, but no adjustments have been made to the past due amount or charge-off status. This has negatively impacted my credit report, despite the fact that the vehicle was surrendered over two months ago. I request that they update my account to reflect the sale of the vehicle and remove any inaccuracies regarding the past due amount and delinquency dates.
Product: Debt collection

I have a auto loan with Ally. They call me XXXX times a day once I am XXXX day late. They continue to call even after I have scheduled an automatic payment to come out of my checking acct. I called them and told them it was scheduled and to please stop calling. They then try to get me to make the payment sooner and continue to remind me my payment is due on the XXXX of the month. My payment is scheduled for XXXX/XXXX/2015. I have never been 30 days past due. This is annyoying. I also receive text messages from them. Please make them stop! Once I speak with them and advised of payment being made and SCHEDULE the payment the phone calls should not continue. My phone rings all day when I am work and I have been warned about it. There is no reason for them to keep calling like they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

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

I paid my account off in XXXX and after the XXXX XXXXXXXX XXXX XXXX XXXX XXXX charged me {$22.00}. They did not contact me to let me know and then subsequently reported me delinquent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently disputed the santander consumer account being reported on my credit report with all the bureaus and the inaccurate information came across as verified. XXXX XXXX XXXX has already been found by the CFPB as violating consumer protection by reporting inaccurate information with multiple reporting agencies.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting information that I do not recognize and I ask that this query be deleted XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The past due amount went to a creditor and I currently pay biweekly on this account, bringing my loan balance down each 14-day period. This report continues to show a delinquent amount with non-payment. I pay on time every 14 days to XXXX XXXX. Neither Kay Jeweler or XXXX XXXX  will remove this from my credit, or update the balance each time I make a payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding Experians handling of my request to remove inaccurate accounts from my credit report. I notified Experian that several accounts appearing on my report were not mine and requested that they be removed. Additionally, I asked Experian to provide documentation, including signatures or other proof, verifying that I was responsible for these accounts.

To date, Experian has failed to comply with my request. No such documentation has been provided, and the accounts remain on my credit report despite my dispute. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a thorough and timely investigation of disputed information and to remove unverifiable or inaccurate data.

The presence of these inaccurate accounts on my credit report is causing significant harm to my credit standing and financial well-being. I am requesting that Experian : 1. Immediately remove the disputed accounts from my credit report.

2. Provide a detailed explanation of the steps taken during the investigation process.

3. Supply any supporting documentation, such as signatures, used to verify the disputed accounts.
Product: Credit card

I went to pay cash to buy a sofa sectional from a local furniture store who talked me into financing it instead of paying cash. He told me that he got me approved with 2 credit card companies XXXX XXXX SYNCB XXXX  however the merchant for more that what the purchase total is & overcharged me {$1100.00} and put on my invoice that I would have a {$1000.00} store credit which I did not authorize or request. I immedicably started trying to get the balance corrected. The merchant told me to call the creditors, the creditors told me to reach the store manager. Ever time I went into the store I was told the owner is out of the country. I have been completely given the run around & so far only one account has been deleted.
Product: Money transfer, virtual currency, or money service

Dear Madam/Sir, Hi, In XXXX XXXX, I sent {$300.00} CAD to Mr. XXXX XXXX XXXX [ I forwarded the verification ], but this amount was sent to another person, whose name is XXXX XXXX [ You can find the picture in the attachment. ] I have no idea who he is, and how this amount sent to him?! So it shouldn't be my fault because I did not use any e-Mail addresses. I just used Mr. XXXX 's phone number in order to send money. Money was sent to another person, whom I don't know, and PayPal is responsible about this problem. That person might be PayPal user [ I even sent him an e-Mail, but he did not respond me ], so you can find him by transition ID or his information in your data bank. Please help me to refund money. It's {$250.00} and I can not afford to send it again because of the mistake I never made. 

Thank you. 
Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX am writing to dispute the following items on my credit report, as I believe they are the result of identity theft : XXXXXXXX XXXX ( Account # XXXX ) XXXX. XXXX ( Account # XXXX ) XXXX. XXXX XXXX. XXXX I was a victim of identity theft in XXXX in XXXX, TX, and I reported this issue to XXXX at that time. Despite my efforts, I am still encountering problems with unauthorized items appearing on my credit report. 

I am requesting that these items be removed from my credit report as they do not pertain to any transactions or accounts that I have authorized or opened. 
I understand the importance of maintaining accurate information on my credit report and appreciate your prompt attention to this matter. Please investigate these items and remove them from my credit report as soon as possible. 
If you require any additional information or documentation from me, please do not hesitate to contact me at. 
Thank you for your assistance in resolving this matter. Sincerely,