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

For more than a year, I have been trying to resolve a collection report that was filed into my credit report for a fraudulent account. I have no knowledge of the account. I challenged the creditor and credit bureau to provide me proof that it was me that opened the account. The creditor and credit bureau have failed to provide such proof ; I asked the creditor to show me proof of my signature on the application or the agreement of the account. The credit is not able to provide such proof. 
I tried disputing the collection account with the credit bureau and every time it comes back as verified. I do not believe that the credit bureau is performing its due diligence and properly investigating the authenticity of the account. I was never given any proof that this collection account is in deed mine. 
This entry of this account in my credit report is not accurate and must be removed. 
I am hoping that you can help me remove this account from my credit report. 
Thank you.
Product: Credit reporting or other personal consumer reports

I never opened an account with XXXX XXXX and I reported that last year in XXXX. It was supposed to he removed. It now says on my credit report it was closed in XXXX. I don't want it on my credit report at all.
Product: Credit reporting or other personal consumer reports

I saw some unfamiliar collections on my credit report which have caused some detrimental situations in my life and negative effects to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
Product: Mortgage

On XX/XX/2011, my home at XXXX XXXX XXXX, XXXX, XXXX  was destroyed by a tornado. On that home I had a Wells Fargo mortgage and a Wells Fargo equity line of credit. My home insurance company paid off the mortgage, but not the equity line. I continued to pay on the equity line. 

Last week I applied for a mortgage with Wells Fargo on my new home at XXXX XXXX XXXX, XXXX, XXXX XXXX. The loan officer told me that the equity line had to to resolved first. He initiated a " research ticket '' on the equity line due to the confusion over why the equity line was not paid by XXXX ( my home insurance in XXXX ) when the company paid off the mortgage. 

Because the Wells Fargo loan officer has not responded to my questions of last Friday, I grow increasingly concerned that my interests in this matter be protected. The equity line should have been paid by XXXX ; it wasn't. Why not? And am I just the " XXXX XXXX '' in this situation, waiting to have whatever done to me by XXXX and Wells Fargo? What are my rights in this particular situation? 

Wells Fargo Line of Credit Account # XXXX Wells Fargo Research Reference ( on Account # XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 card

I had filed a fraud claim as my purse with my phone, wallett and cards were in it. I was dealing with a potentially life threatening medical issues and was hospitalized so i was not within a timely manner they are claiming, but i have been making reports for this and they are telling me they can not do anything to help me with my fraud case. I have all my medical records and i need help with this disputes as I did not make the charges. Please help me with this
Product: Checking or savings account

Someone opened up another checking account in my name where I bank at Bank of America. So I called my bank fraud department and they supposedly got it straightened out. But they told me to also report to the credit bureau.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I have no knowledge of these accounts and Would like these accounts removed off my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the NCAP ( National Consumer Assistance Plan ) which was implemented to comply with the CFPB ( Consumer Financial Protection Bureau ) consent order ( In the Matter of : Equifax Inc. and Equifax Consumer Services LLC ADMINISTRATIVE PROCEEDING File No. XXXX ) ; the minimum reporting requirements stipulate that data furnishers ( i.e., XXXX ) must report the following identifying information : Full name ( First Name, Middle Name or Middle Initial ( if available ), Last Name and Generation Code/ Suffix ), Address, Full Social Security Number, and Date of Birth ( mmddyyyy ) in association with a tax lien. If any of the above identifying information is missing in association with said tax lien it must be excluded from the consumers credit report. Equifax shall adhere to the new reporting standards outlined in the NCAP ( National Consumer Assistance Plan ) and remove tax lien case number XXXX from the consumers credit file effective immediately.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issues related to my credit report. Despite several attempts to correct a late open accounts. I first became aware of the late open account. Immediately, I took steps to contact the respective creditors, and I submitted disputes to the credit reporting agencies to rectify these inaccuracies. Subsequently, I have made several attempts to dispute these inaccuracies with the credit reporting agencies, providing all the necessary documentation to support my claims, and I have been in continuous communication with the creditors involved. Despite my commitment to resolving this matter, these inaccuracies remain on my credit report and have not been adequately addressed by the credit reporting agencies or the creditors. These unresolved credit report issues have caused me significant XXXX and XXXX XXXX. As a responsible and diligent consumer, I expect that the credit reporting system operates with accuracy and fairness, reflecting my true financial standing. I kindly request that you take immediate action to thoroughly investigate and correct the late open account from my credit report. I also request a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies. I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow.
Product: Debt collection

I wanted to see if they have a forward flow agreement with my signature and I wanted them to remove the collections from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to refinance my house for several weeks now. I have been unable to unfreeze my credit with Equifax - even after unfreezing this account online ( and it says it is unfrozen ) and several phone calls with Equifax requesting to unfreeze my credit my credit has remained frozen. I have spent hours on the phone with them and there is still no resolution to this issue. Here is a timeline of events : Thursday, XX/XX/XXXX : XXXX XXXX online through myEquifax Friday, XX/XX/XXXX : Bank still unable to run credit due to Equifax Freeze Saturday, XX/XX/XXXX : Called equifax because I noticed the myEquifax information listed for me was incorrect - all of my credit history after XXXX was missing - Every account and credit utilized. When I called they realized there were 2 credit profiles for me and they had to combine them. they told me this would take 48 hours to update and then the bank should be able to run my credit. 

Monday, XX/XX/XXXX : Bank is still unable to run my Equifax credit report due to freeze. 

Tuesday XX/XX/XXXX : Called Equifax again to remove credit freeze. Here is that confirmation number : XXXX XXXX XXXX Wednesday XX/XX/XXXX. XXXX : Bank is still unable to run Equifax credit report due to freeze. I called Equifax again to remove the freeze in the morning. Here is that confirmation number : XXXX XXXX XXXX. They told me after this one to wait 2 hours and have the Bank try again. The bank tried to run a report several hours later and got the same result - credit is still frozen. I called Equifax for the second time in one day and this representative noted the issues and thought there might be an underlying issue with my profile because it was split and combined. He told me that he would escalate the issue and that Equifax would CALL ME back within 72 hours. 

Tuesday, XX/XX/XXXX : Equifax never called me back - they said 72 hours and I gave them 3 business days and still hadn't heard anything. I called Equifax again. I spent 40 more minutes on the phone with them. They were still unable to fix it and the phone call ended because they said their systems were updating and they couldn't help me anymore. This is at noon on a Tuesday that they say they are unable to help me and I have to call again. 

I've spent HOURS on the phone trying to correct this. Every time I call I have to explain my issue multiple times and everyone is always confused about why they can't remove the freeze yet nothing is ever done about it. I'm trying to refinance my house and I can't move forward with anything because Equifax can't get it together. XXXX   and XXXX were able to remove the freeze on my account without an issue. Equifax business practices are causing me harm and it is unacceptable that they have this level of power and can not complete a simple activity after multiple attempts.
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 : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone 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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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: Credit reporting or other personal consumer reports

I am disputing the following information on my Transunion credit report as it is inaccurate and negatively affecting my credit standing. The reported item from the creditors named with various account numbers is incorrect due to reason, such as identity theft. I did not authorize this account, nor do I owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well-being. 

I am requesting, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that this inaccurate information be investigated and either corrected or removed from my credit file. I have attached supporting documentation, such as ftc report, to verify my claim and ensure this matter is resolved promptly. I appreciate your immediate attention to this issue and request that I be informed of the outcome of your investigation within 30 days.
Product: Mortgage

I have been mislead by NACA on several occasions and discriminated against. I have all this documented. I was even threaten to inactive my account by XXXX XXXX due to my XXXX XXXX my XXXX this is discrimination. I have been told several different things to qualify for NACA and each time I have done them. Now I have to wait 6 months to do a payment shock which I have been doing so but XXXX XXXX told me to pay down my DTI with my payment shock this whole call was documented. They are giving me a very hard time and I know its because of my XXXX. I know they dont do this for everyone Im in a NACA XXXX on XXXX and I have screenshoted several different members comments how NACA does not follow policy or guidelines they pick and chose who they qualify, I have proof of all of this. XXXX member said he didnt have to do certain things another member had to do, they are not following policy and guidelines for everyone. They told me my action plan and what to provide and I did that and once I did that they gave me a new action plan. They have mislead me, disrespected me, discriminated against me, threaten me, put me down, discourage me. I have XXXX children and I need a home. I have been doing everything I been told to do and its always something new added on. My first counselor ignored me and I have several emails to prove this and calls. My XXXX are really bad right now NACA is making them worst, I been crying all day because if I wasnt ignored and told this from the beginning I would of did so. My son was even crying he is XXXX because he knows I been working hard and doing everything that was told to me by XXXX and now all of a sudden it has changed. I told them Im contacting CFPB and HUD then I was threaten to inactivated my account. They also told me if I call again my account would be inactive. Only thing I trying to do is get me and my children a home. I been mislead and done the worst way possible. This isnt right. 
Desired Settlement : Them to follow what XXXX XXXX told me and my initial action plan as well as monetary relief from pain and suffering for me and my children. ; They have no payment shock on my action plan but I have been saving anyway XXXX told me to use to pay my XXXX down which I did, I was mislead ; Contact by the business
Product: Credit reporting or other personal consumer reports

Someone went to this store and requested financing with my information without my authorization. 
I request financing for XXXX in a named store : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXXXXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.
Product: Credit card or prepaid card

Deposits are not available in account all transactions history under last XXXX. XXXX of social
Product: Money transfer, virtual currency, or money service

I purchased XXXX money orders to reconcile a petty cash. The company deposited the XXXX money orders with XXXX XXXX XXXX, one of the money orders was returned. I contacted Western Union where I purchased the money orders, they informed me that I had to submit a money order research request. I have been dealing with this since XXXX, getting the run around, asking to speak to supervisors and being sent to dead end numbers that dont answer, continually being put off. They are frauds and scammers, meanwhile they still have my XXXX $ cash and I Have a unsettled debt with a worthless piece of paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
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, XXXX XXXXXXXX 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.