23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXderal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX {$2100.00}
Product: Money transfer, virtual currency, or money service

On the dates listed below I sent money to the wrong people using Zelle and wasn't able ti get my money back XX/XX/XXXX sent {$1000.00} XX/XX/XXXX sent {$1200.00} XX/XX/XXXX sent {$1800.00} XX/XX/XXXX sent {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT 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

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX # XXXX This company has drained all of the funds out of my account and i have requested multiple times to have them contact me. They call me at XXXX ; XXXX XXXX  XXXX and after 5 minutes place me on hold to transfer to another department. 
my account is currently locked and no one can tell me what happened to the funds in my account.
Product: Mortgage

Shell point mortgage upcharge my pre-foreclosure home costing me XXXX from a failed contract when they publicly publicized a pre-foreclosure measure rate at the end of my first contract back in XXXX spiraling the mortgage out of control and losing that contract by the buyer you're sending what these dirt balls take all my regular payments of 35 months and put none of it towards the principal they charge me double the attorney fees by hidden fees and codes and they also try to double my taxes when they got government money and they still withhold my XXXX that shows this payment from the government to XXXX XXXX and Shell point and there was holding it for me today currently is my taxes are still held up for 3 years extreme pain and suffering they stole my home their third-partied me to debt collectors to mitigate the liability just like the government does with third party institutions which is the biggest XXXX scheme in the world this is no laughing matter you stole my XXXX home why would I be another another victim of scamming because it's the great take and there's nothing we can do about it thank you government for allowing Banks to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn the street my home is gone now my security is gone my hopes and dreams are gone it's middle of winter up here in XXXX New York you XXXX you XXXX XXXX my home you XXXX  stole my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, XXXX XXXX, Transunion XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
Product: Credit reporting, credit repair services, or other personal consumer reports

The DOFD is inaccurate and is a violation of FCRA section 609 ( a ) ( 1 ). The DOFD does not match the OC 's DOFD. The DOFD was in XX/XX/XXXX not in XX/XX/XXXX and XXXX customer service gave me verbal confirmation today that the last payment was received in XX/XX/XXXX. I am attaching an email from XXXX showing when my account was first delinquent and a copy of my CR showing a different date and I believe the debt to be reaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I want these accounts removed because they are inaccurately reported and have a negative effect.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - {$120.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is supposed to be removed but still on my credit reports.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obliges us to expunge any incorrect entries from my credit file. Would you mind verifying the paperwork? There are discrepancies in some of the listed entries regarding reporting, amount, and dates.
Product: Debt collection

The company is called LVNV Funding LLC who claims to also be another company. They are sharing personal and privacy information with another third company without and authorization. Third company is supposedly called XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX spoke with XXXX who caims hes not violating any laws. My personal information is just that and not permitted or authorized to be shared with anyone. XXXX agreed to accept a settlement amount verbally on a supposedly recorded line then reneged of {$250.00} in two equal installments beginning in XX/XX/2022 and commencing in XX/XX/2022 and then insisted on having me give a stranger critical payment information without knowing if he's legitimate. Payments need to be able to be made on a secure website and not to a person who is a stranger. I want the information to stop be shared and compensation for the breach of my privacy from LVNV Funding. Additionally the agreement for settlement can not be agreed upon and then reneged by XXXX after he decides to not provide a secure type of method for payment of the originally agreed upon settlement. My address is XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting major inaccuracies on my report in violation of my rights under 15 USC 1681 s - 2 ( B ) ( i ) ( ii ), namely my report states : 1. That I have " a serious delinquency or derogatory indicator on my credit report.

2. That I have recently missed a payment or had a derogatory indicator reported on my credit report.

3. That I have an insufficient number of accounts that are currently paid as agreed.

I do not have any accounts delinquent or past due on my report. these inaccuracies reported on my Equifax report caused my credit score to decrease over 100 pts. I've called, and sent a certified letter over 30 days ago to Equifax regarding this issue to no avail.
Product: Mortgage

Our loan had been transferred to Freedom Mortgage, we were on a biweekly payment plan as we wanted to payoff the loan faster. We ended up moving from XXXX Texas to XXXX and sold the home. During closing a payoff amount was requested and we contacted them to notify that the loan would close on XX/XX/XXXX and the payment for XX/XX/XXXX would be included in the payoff amount. A represenative told us this was normal practice and so we went on to close the loan on the XX/XX/XXXX. Once the loan was closed and paid in full, we began looking for a new home in our new XXXX of XXXX. Come to find out our credit had been dinged badly due to Freedom Mortgage saying we had missed XXXX payments!!! WHAT?? I immediately got on the phone to find out what was going on. After countless phone calls and talking to representatives and waiting for supervisor call backs ... .still they can not put me through to anyone who has the authority to look into the matter and realize that NO payments were missed and the loan is closed and paid in Full!! This has prevented us from looking for and applying for a new mortgage. This is by far the worst handling of a situation where a client who has always been in good standing and has completely paid their loan in full, is being completely discredited by a mistake from their company!! It completely disrupts peoples lives!!
Product: Credit card or prepaid card

I was at Khols store last Thursday XX/XX/2021, I was doing shopping & when I finished & went to the cashier ..The lady asked me to get a credit card for more discount I assured with her that this credit card is gon na be with a soft inquiry not a hard one. 
The lady confirmed that its gon na be a soft inquiry 3 times Unfortunately I found out that this store made a hard inquiry & the lady made fun of me & she kid me I contacted Khols & all what they said they apologised & said they have nothing to do.., In addition I contacted XXXX as a bureau, they asked me to call Khols again I did & received the same apology as before .. 

So please Im in a tight situation as Khols reduced my credit score down & this inquiry is gon na be on my credit report for 2 more years.., Please I want to remove this hard inquiry which I was deceived by. Even if you are gon na close this Khols card completely I don t want it. 

I have the receipt from the store with the date & the time. 
They can also check the cameras at the store to see my discussion with the lady at the cashier when she confirmed that its gon na be a soft inquiry My name is XXXX XXXX My phone is XXXX
Product: Credit reporting or other personal consumer reports

RE : LETTER TO REMOVE INQUIRIES. 
To whom it may concern, I received a copy of my credit report and found the following items to be errors. Here as follows as items are in error. 
XXXX XXXX XXXX XX/XX/2023. 
XXXXXXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Explanation : I did not give my written consent to run my credit report. I would like to be provided proof I consented to these inquiries via FCRA Section 609 and 605 as well as the accuracy of these inquiries via FCRA Section 623. If you have no proof, I would like you to remove these inquiries immediately please and thank you. Thank you for your time and help in this matter.
Product: Debt collection

I was signing up with care credit with XXXX XXXX  to get work done. I gor a cleaning and x-rays. I got an estimate for the XXXX  round of work. I paid XXXX something. Thinking that was it. No other work was done. Looks like XXXX charged my insurance for those items. I paid care Credit for nothing apparently. Thought that was the end. Just got a call I owe XXXX. Now they want money for nothing. XXXX XXXX was very rude. I have disputed the charges. I need to know what I have to do to get rid of this.
Product: Credit reporting or other personal consumer reports

i have no supplied proof under the doctrine of estoppel by the silence engelharXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}, online infomation services balance {$4400.00}
Product: Debt collection

Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/2022, about them placing my old, secured card on my credit report. I closed the secured card last year, and they reported to the credit bureaus that the account was closed. I was informed the last week of XX/XX/2022 that the account was reported back to my credit report as being opened and closed again, When I called XXXXXXXX XXXX on XX/XX/XXXX, the representative ( XXXX ) informed me that the account was still open. I told XXXX that I called in last year or earlier this year to have the account closed and why it has not been closed. XXXX could not answer that question. I then asked why they reported my account as being opened the last week of XX/XX/2022, and he told me that since I had not made a deposit in the last six months, the company reported the account as a new account and closed it. The answer I received from XXXX made no sense to me, so I asked to speak to a supervisor. XXXX placed me on hold and came back to the phone and informed me that they were too busy and that a supervisor could not take my call. I had a tough time believing that there was no supervisor that could take my call because I called when they first opened in California.
Product: Debt collection

Per previous response with the complaint they acknowledge that as of XXXX XXXX they reported a balance {$23000.00}. I have submitted and sent an ample amount of proof to show what the credit bureaus are showing they are reporting as of XX/XX/2024. They stated the system inadvertently switched it back. However, they are also stated that a sale of the vehicle was done. Now, the amount inadvertently updated back to the XXXX and inadvertently went back from the XXXX to the XXXX and but has been updated with the sale of the vehicle. If the account inadvertently went back to the inaccurate amount and was never corrected again and sold the vehicle the reporting is incorrect. Furthermore, they have not supplied me with a letter showing the vehicle was sold. I am not sure what the vehicle has been sold for which is another discrepancy. Needless to say, I have not been proved an opportunity as a consumer to even settle the debt or pay it. They went straight to charging it off without even telling me whats left on the vehicle and after this inadvertently mishap the system did but was never corrected. They took the time to correct it after me process a complaint to the XXXX, but allowed their system to inadvertently change it back and not correct it but state it was sold in auction and then updated. Thats failure on so many ends as a company and violation of many FCRA laws. Theyre also reporting different information to each bureau to this day. I will include all of this and this company has not done what they stated or was to do. This is a major breach and they have been allowed many attempts to correct this. Its only when I file a complaint that they fix it but it goes back to the exact reporting status. I have reported lobel as Ive found that there are multiple people making complaints and active lawsuits against them. If the FCRA and cfpb continues to allows these people and this company to negatively and continue to hurt consumers then legal actions will be taken. Because they have yet to even attempt reconciliation after the sale and went straight to charge off. As you can see on XX/XX/XXXX with one credit they updated the balance and what it shows. This company had been given almost 90 days and have yet to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing to XXXX XXXX, XXXX  and Experian for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on XXXX, XXXX, and Experian. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There XXXX  be individuals that have the same information as mine. Creditors XXXX  have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Product: Vehicle loan or lease

I entered into a 48 month lease with Ally Bank 6 months ago. I am now selling the vehicle to a 3rd party consumer. I am not buying the vehicle myself or trading into a dealership, I am selling it private party. Ally Bank says I am responsible for the sales tax, which is not correct. The person buying the vehicle is responsible for the sales tax. I had this problem with XXXX and had to have the CFPB step in to get it rectified.
Product: Mortgage

Today being XXXX I received another call at work today atXXXX from XXXX which is Bayview and I have now been warned by my employer that continued personal calls will cost me my job since back on the XXXX of XXXX XXXX told me that they were removing my number. If I lose my job I will be unable to make the house payment all because of Bayview calling me at work and breaking Colorado Law as well as Federal law with calls at work.
Product: Mortgage

I have been in process of refinancing my mortgage with First Mortgage Direct, LLC. which had been impacted to the winter storms that had hit XXXX in XX/XX/XXXX. I was told an appraisal was needed for my home and even more so due to the XXXX that hit the state. I began the application process on XX/XX/XXXX and was approved for a 2.625 % rate on a 30 year refinance mortgage with no points. Due to the XXXX and being without power I was delayed in correspondence but it appeared there was a delay with appraisal companies getting assigned to my file due to the storm and demand. I was told my initial lock was set to expire on XX/XX/XXXX but would be extended as needed due to the appraisal delay/XXXX XXXX. I made a {$510.00} payment for the first appraisal company ( XXXX ) on XX/XX/XXXX and after waiting weeks i was told that we would be changing appraisal companies to get this scheduled sooner. I then paid {$570.00} to XXXX on XX/XX/XXXX to get the appraisal done by them. On XX/XX/XXXX I was told that a new " investor '' was willing to take my loan without an appraisal but would require some payment of points of {$510.00} ( suspiciously close to the first appraisal payment ) but I was okay with that at the time. I informed the lender that I was going to be out of town XXXX and the lender then said they would figure out a closing date on XX/XX/XXXX. Today ( XXXX ), I was informed that I would have to do my refinance transaction while I am out of state or face rate lock extension charges. I was told the lender I am not agreeing to this as I have done everything asked of me in a timely manner. I have already fronted an appraisal charge 2 times and provided all documentation. It is not reasonable or ethically right to force someone to close on a refinance on their primary home.