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

To Whom It May Concern : I recently reviewed my credit report and noticed the following authorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Product: Mortgage

I let this company know before I changed home owner insurance what the name of the new company was back in XX/XX/2020. I notified them by telephone, sent them 2 emails, 2 faxes, followed up with multiple phone calls. I was assured that they had mailed my payment. I called them back because I was notified that my payment had not been received at the new homeowner insurance company. Now again 3 weeks later I receive notice that my home owner insurance has now been cancelled. I am now sitting in a house with no homeowner insurance. Every time I call the mortgage company I am told I have no way to speak to the insurance department because they have no phone line. That is unacceptable. I am also told I can not speak to a manager. I now have increased car insurance, increased umbrella insurance cost all because they did not pay my insurance. I will no longer pay on my mortgage or give them their escrow back until they figure out with my insurance company how to pay my claim or transfer me to another mortgage company. I see now why my original lender changed to a different company and I want to change to her company at their cost.
Product: Checking or savings account

Paypal. XXXX I disputed the charge from the start after a few times they came up with different ideas of disputed ways and still holding me liable against no good cause Just being mean to me for no good reason
Product: Checking or savings account

I checked my Charles Schwab XXXX  checking account and noticed some charges I did not make. I contacted the bank about the following transactions : XX/XX/XXXX24 XXXX {$39.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX XXXX {$20.00} ; XX/XX/XXXX24 XXXX  {$52.00} ; XX/XX/XXXX24 XXXX {$14.00} ; XX/XX/XXXX24 XXXX {$32.00} ; XX/XX/XXXX24 XXXX XXXX - XXXX XXXX {$52.00} ; XX/XX/XXXX24 XXXX XXXX {$47.00} ; XX/XX/XXXX24 XXXX XXXX {$21.00} ; XX/XX/XXXX24 XXXX XXXX {$28.00} ; XX/XX/XXXX24 XXXX XXXX XXXX XXXX {$23.00} ; XX/XX/XXXX24 XXXX {$390.00}. 

They gave me credit on XXXX/XXXX/2024. On XX/XX/XXXX2024, I received a letter stating they could not approve my claim and reversed the credit.
Product: Credit card

Cit made it incredibly difficult to close an account. I called on XXXX in order to close the account, and had difficulty authenticating. Once that was done it took an additional XXXX minutes to have them process the closure, due to the agent spending a significant amount of time trying to convince me to keep it open. They also did not read through required disclosures.
Product: Debt collection

I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file .The items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge .I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade commission and i also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete items as soon as possible
Product: Credit reporting or other personal consumer reports

Netcredit keeps reporting false inquiries. I have no business with them at all.
Product: Debt collection

They say i owe this debt, but they can not provide me proof of my whole, Social Security number or even baring my full signature, and have not provided me with an agreement between me their establishment. I sent them a validation letter but they provided me with a computer generated report of transactions which may not be accurate.
Product: Debt collection

" Hunter Warfield '' calling at XXXX and after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am buying a house so I 'm applying for a housing loan. On  XX/XX/XXXX , the financial institution 's representative processing my housing loan, run and printed my credit report from TransUnion. On that credit report, the credit card account with   XXXX   XXXX    Card  ending   XXXX    has a statement/comment that says : INCLUDED IN CH   XXXX    BANKRUPTCY, however, this is NOT TRUE because this account was not included in the bankruptcy, it is still open and monthly payments are made. I called   XXXX   XXXX   and they said that the statement is not appearing on their report to the credit bureaus & they do n't know about the bankruptcy statement.   XXXX   XXXX   sent me a letter to confirm that this account was not included in the CH  XXXX  bankruptcy. I called   XXXX   and they said that the comment/statement is not showing on my credit report. I checked my credit report on the website of TransUnion, last  XX/XX/XXXX  and this is where I found the comment on the   XXXX   XXXX   card account that this account is " included in the CH  XXXX  bankruptcy '', on my credit report. This comment makes it appear that I filed another bankruptcy in   XXXX   and it is still open and because of this the financial do not want to approve my housing loan application unless TransUnion corrects the report. This is causing the delay in the loan process and the seller wants to cancel the acceptance of the offer. There is a chance that I might lose the opportunity to buy the property if this do not get fixed in right away. I filed a dispute on the credit report online in TransUnion 's website, last  XX/XX/XXXX  and was instructed to send supporting documents to their   XXXX   XXXX   addres and which I did as soon as I got off from work. I sent it thru overnight mail last  XX/XX/XXXX  and they said TransUnion wil receive it on Monday,  XX/XX/XXXX  at   XXXX   XXXX  . Yesterday, XX/XX/XXXX , I called TransUnion to follow up that status. The customer representative said that they have not received the documents yet and I asked her if I can fax the documents so they review them. I asked for the fax number & was instructions on what to put on the fax cover. I followed the instructions and faxed the documents right away. Today,  XX/XX/XXXX , I called TransUnion to follow up if they received by documents I mailed and faxed. I spoke with the customer service representative, his Supervisor and the Supervisor 's supervisor and they keep on stating that they will investigate and will take time. I keep on explaining that I do n't have much and that there is a chance that I 'll lose the opportunity to buy the house I want just because of the incorrect credit report.
Product: Credit reporting or other personal consumer reports

I sent certified mail mail to Midland Credit Management , Inc to for validation of alleged debt. I explained that I am not inquiring about the Texas Finance Code law and that this letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Midland Credit Management Inc, provide me with competent evidence that I have any legal obligation to pay you. I only see my name and address which doesnt validate that I am the person who open this account which could possibly be fraudulent or identity theft. 

I responded back to Midland Credit Management from the correspondence that was sent by mail dated on XX/XX/year>, because their office has failed to provide me with any competent evidence to confirm the validation of this debt from the listed items below which I had previous requested back on XX/XX/year>. I dont have any contractual obligation with Midland Credit Management XXXX any knowledge of this account. I requested from the again by certified mail to please provide the following documentation below : Collection on a debt for which the statute of limitations ( 4 years ) has expired.

Agreement with your client that grants you the authority to collect on this alleged debt. 
Contractual Agreement between XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX ) and that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Itemized statement showing the accuracy of this alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Verification that you are a licensed debt collector in The State of Texas
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer report and I noticed some accounts that I have no knowledge of after being informed that Im also a victim of the equifax data breach I request that the following information be deleted from my consumer reports immediately The following accounts are a result of fraud and or the result of the equifax data breach please Per fcra section 605B & 15 usc 1681c2 And 15 usc 1681 please delete and or block the follow accounts within four business days 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 reviewed my credit report and learned that I was a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my retirement home and would like to have the fraudulent information removed as soon as possible.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from Wells Fargo in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from Wells Fargo reflecting the loan was current and thought I rectified this issue with them and XXXX. As only XXXX  is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from Wells Fargo. This can not be as I am on automatic bill payment. Wells Fargo did provide me with documents on multiple occasions to submit to XXXX  ; however XXXX  told me they can only report what is reported to them. It is possible that Wells Fargo is erroneously reporting to XXXX. As I followed up with Wells Fargo and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. Wells Fargo at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with XXXX  and XXXXells Fargon in XX/XX/XXXX, my XXXX XXXX has dropped on XXXX  alone by XXXX points. This is an egregious disservice and wrong to me, and is severely impacting my life. Wells Fargo nor XXXX  wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.
Product: Credit reporting or other personal consumer reports

Synchrony Bank continues to report on account status beyond the allotted period allowed. Also, I have never received a 1099-C regarding the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two to three disputes to Experian regarding a bankruptcy and inquiries.

I submitted the bankruptcy disputes onXX/XX/XXXX andXX/XX/XXXXboth came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from Experian stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking.

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others.

XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dismissed cases XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX All claimed charges against me have been dismissed through court of law. Dispositions were in pending status when all reports were ran and has detrimentally impacted my life. 
The Officer is not the final adjudicator in Legal matters and the report that Checkr has distributed to these companies has impacted my life. I asked all 3 agents in whom I spoke working for Checkr to please pull an accurate report ( Now - XXXX ) and report it to the companies involved XXXX XXXX No action has been done on Checkr 's part to correct my request.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you 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 XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Purchased a vehicle from XXXXXXXX XXXX  in XX/XX/year> with an interest rate of 24 % after being assured that we could lower our rate after 6 months. There have also been mechanical problems with the vehicle. We were recently told that the starter must be replaced. Not including the mechanical issues, the loan company for XXXXXXXX XXXX is Bridgecrest and both companies have referred me to each other when asking about refinancing, renegotiating the term of the loans. Bridgecrest claims that they are only a collections company, they don't deal with any of the loan terms, and refers consumers XXXX XXXXXXXX XXXXXXXX XXXX XXXX now says that any changes would have to go through Bridgecrest, and the only way to finance is through a third party lender. All other lenders that we have reached out to are not able to process the loan because the pay off amount is too excessive for the year make and model of the vehicle in question. The only options provided were to switch to making a monthly payment of XXXX instead of a biweekly payment of {$300.00}. The other option, which they stated they do not recommend, was to surrender the vehicle and impact our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$4700.00}, XXXX XXXX XXXX, XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XX/XX/XXXX {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Debt collection

I moved out of my apartment on XX/XX/XXXX. I spoke to MGT at XXXX XXXX prior to the phone and confirm the move-out date as I had already given the written notice that I would be moving out. They are claiming that they didn't get a key back which would be true because they took it when they installed the ring door lock for me. They did not go check the apt to my understanding until XX/XX/XXXX or XXXX which is when they claimed I moved out and attempted to charge me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to purchase a living room set but the order was cancelled. XXXX XXXX XXXX ( XXXX ) is reporting an open account on my TransUnion credit report and I never got the furniture. And they are reporting my account as being delinquent 90 days which is negatively affecting my score with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from Equifax. I noticed a collection account on my report that should not be on my report as the statute of limitations to collect and report the debt have well since passed. The alleged debt still owed is from XXXX University  in the amount of {$1400.00}. This account was opened in XX/XX/XXXX. I filed a dispute through Equifax and their response is that the debt was verified, however, I made it clear to them when I filed the dispute that the statute of limitations of 7 yrs has long since past. In their dispute answer, it states that the last payment made on the account was in XX/XX/XXXX. This is utterly false. However, I have made *no payments* on this account since on or around XXXX. In the past several years I have also attempted to contact XXXX to inform them they need to remove the account from my credit report. They have not complied. Please also note that this account has long since dropped off my XXXX  and XXXX  credit reports. I request that an investigation be open and to have XXXX *prove* that my last payment was in XX/XX/XXXX ( which of course they can not ). It has been more than seven years since my last payment and I request that it be removed from my Equifax account. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

my information has been exposed in a data breach. XXXX have been tarnishing my credit reputation for months even after I've shown these accounts below do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A complaint and order to remove account from the personal credit report was requested due to the account being shown as CHARGE OFF, which according to the Internal Revenue Service is considered income, which should be reported on the individual 's tax income. We have requested numerous time the company remove the account from the credit report as this account in COLLECTIONS is injuring the individual from attaining a higher credit score to participate in commerce.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX You stated this was 100 % accurate. I have listed below that this isn't 100 % accurate as you stated and it has several errors.According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.