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

An account has been reported on my Experian credit report since XXXX. Ive contacted the company ( XXXX  ) and they have refused to give me information on the accuse I told them I never open an account with them and its fraud. I contacted Experian and did a dispute. Thou the information reported is completely false, inaccurate and not making any sense, Experian said the company certified the information is correct thou Experian representatives told me the information shows to be inaccurate. Ive filed fraud with Experian in my dispute and filed the identity theft form online and Experian is still refusing to comply with removing the fraud from my account. I have added an alert to my credit to not extend credit as well. I am out of options as Experian is not following regulations nor are they willing to remove what is obviously fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Remove this account because It is not mine XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XX/XX/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XX/XX/XXXX customer service representative.
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section XXXX. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit card

In 2014 I made a purchase from XXXX and used the Barclaycard deferred interest promotion. Each month I received an email telling me the minimum due on my account. I paid that every month and then received an email stating that my payment was accepted. I never received an email alerting me that my promotion was about to expire. 

On your website it states that Barclaycard has to alert me that my promotional period is up on the cover page of my statement. This alert is on page XXXX. 

I would like to have the {$970.00} rescinded and to pay off my account in full. How can I make this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check the payment history, date open, last activity, and Status of the accounts listed below. I believe it was reported in error. 
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, credit repair services, or other personal consumer reports

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

House was scheduled for Foreclosure on XX/XX/XXXX As of XX/XX/XXXX I was still in a possible loan modification. I have the paperwork to show this from the lender.

OnXX/XX/XXXX I spoke with lender who said they would not foreclose on me and would removed my home from the auction based on a cash for keys deal. This was on a recorded line verified by my lender.

In a letter dated XX/XX/XXXX my lender stated that they were reviewing my modification. 

Lender is XXXX XXXX
Product: Credit card

Today XX/XX/year> its approximately XXXX. I contacted Capital One and I asked the representative three times to transfer me to an onshore representative and I was denied. That is XXXX XX/XX/year> its approximately XXXX. I contacted Capital One and I asked the representative three times to transfer me to a onshore representative and I was denied that is a violation because as a consumer when you ask to be transferred to our own shore representative, theyre supposed to do that and I was not done and the phone calls. I recorded a monitor
Product: Credit reporting, credit repair services, or other personal consumer reports

This is with Experian. They are not allowing me to unlock my credit freeze online. 
When I call them, there is no way to talk to a human being, just an endless loop of menus, which are almost impossible to use. 

My complaint is that they should be required to have a call center. 

I eventually found a mailing address, so hope to fix it that way, but either a web or phone based solution should be a requirement for a credit agency to be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IN XXXX Email Address ( optional ) Phone Number ( optional ) XX/XX/XXXX Credit Bureau Name Credit Bureau Address City, State, ZIP Code Dear Sir or Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate. I have reviewed my credit report and identified an error, and I would like to request a correction under the Fair Credit Reporting Act ( FCRA ).

Disputed Account Information : Account Name : XX/XX/XXXXXXXXXX/XX/XXXX/ receivable management XX/XX/XXXX XX/XX/XXXX. XXXX all ] The item I am disputing is [ describe the specific error for example, a late payment that is inaccurate, an account that doesnt belong to you, or any incorrect information ]. I have attached supporting documentation, including [ mention any documents you are providing as evidence, such as a copy of your statement, receipts, or correspondence from the creditor ]. 

I request that the following action be taken : Correct the inaccurate information Remove the account if it is not Please investigate this matter and notify me of the outcome in writing. I understand you are required to complete your investigation within 30 days. If you need any further information or documentation from me to assist with the investigation, feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo has failed to address the issues I complained about. 
I still have never received the appraisal that they charged for and by law are supposed to provide me with. 
They were not authorized to do an appraisal unless I was pre-approved. Their representative assured me this would not happen and said my money would be refunded.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Bank of America XXXX. - XX/XX/XXXX On XX/XX/XXXX Bank of America closed my account without prior notice. I have had the account for several years without notice. 

XXXX Current balance : {$940.00} - XXXX - They reduced my credit from XXXX which caused my utilization to go up. Now without notice they closed my account which negatively affects my Score with all XXXX bureaus. All for transunion not removing an error on a timely manner from my credit file where they reaged my reaffirmation with one of the cards. 

On XXXX I had that card almost for 5 years and paid on time that one also had a credit limit of $ XXXX and they reduced it to XXXX it has a balance of XXXX. 

Had they not reduced my limit my utilization would have been at XXXX %. Their actions drove my utilization at 90 % and now they close the 2 accounts I have had for years, This will drive other creditors to do the same thing. This is totally unfair to me as a consumer. They could have just kept the accounts opened after the credit reduction & it would have given me the opportunity of future evaluation. Now, with the way the economy is I am totally screwed as a consumer for a bank making decisions on my credit for issues that they caused out of credit reductions based on errors on my credit file of reaging reaffirmations in violation of the TILA and FCRA and Truth and lending act. I called the 1st time and they hung up on me.
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) on my TransUnion credit report and requested verification of the information being reported. TransUnion failed to provide the legally required method of verification ( MOV ) and instead marked the account as verified without furnishing any supporting documentation. Additionally, my credit report includes an unauthorized inquiry from XXXX XXXX dated XX/XX/year>. I requested proof that I authorized this inquiry, but TransUnion failed to provide any verification. Their failure to properly investigate and verify these disputed items violates the Fair Credit Reporting Act ( FCRA ), causing unnecessary harm to my credit profile.
Product: Credit reporting or other personal consumer reports

I paid {$38.00} for prints, postage and envelopes to send dispute letters to TransUnion, XXXX and XXXX on or around XX/XX/year>. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.
Product: Checking or savings account

I need my statements Checking & Savings Accounts along with Cashier Checks & regular checks & Transactions. I would also like to know why XXXX XXXX XXXX is also CITI BANK? Whos who here? They come with CITI BANK with XXXX typed in under CITI BANK? When you get your tax information it mentions NOTHING at ALL for XXXX XXXX XXXXXXXX? It just states CITI Bank. To whom it may concern : Im filing a complaint about XXXX XXXX XXXX DEBIT CARD CHECKING ACCOUNT & SAVING ACCOUNT. This is a list of bank transactions after XXXX when the bank is closed. I have cross referenced the dates & times along with the amount by searching on the Internet for the year month date along with Holidays. These Transactions are listed below : 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, credit repair services, or other personal consumer reports

In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. This is the frivolous account ; XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd submission that I am filing to notify XXXX and Equifax Bureaus that I am a victim of identity theft and I sent this submission to dispute certain remaining inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved. Please block and remove the reporting of any information in my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. Also, the reporting details you provided on some inquiries are already DELETED from other bureaus and now I have doubts in the reporting accuracy on some inquiries that you presented me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent
Product: Mortgage

I AM A SENIOR CITIZEN OF WHOM HAS SUFFERRED XXXX XXXX ILLNESS I PURCHASED MY HOME YEARS AGO FIRST LENDER XXXX XXXX THEN TRANSFERRED TO XXXX XXXX OF WHOM TRANSFERRED TO XXXX XXXX XXXX THEN THE LOAN WAS TRANSFERRED TO RUSHMORE MORTGAGE. MY PRIOR SERVICES HAD MY NOTE AT ALMOST 1300 a month upon transfer from XXXX XXXX it transferred to XXXX XXXX OF WHOM RAISED IT TO {$1600.00} .THEN IT WAS TRANSFERRED TO RUSHMORE OF WHOM IS CHARGING ME XXXXA MONTH. I HAVE NEVER REFINANCED NOR BORROWED ANY MONEY.XXXX XXXX TRIED TO GET ME A LOAN MODIFICATION OF WHICH I DECLINED AND ANY. DOUCUMENTS TO THAT EFFECT IS FRAUD.MY INSURANCE HAS ALL WAYS BEEN WITH XXXX WHICH I PAID AND NOW WITH XXXX.THEY STATED THE RISE IN PAYMENT WAS DUE TO INSURANCE. MY LOAN PAYMENTS WERE SUPPOSSED TO BE INCLUDED IN MY ORIGINAL PAYMENTS OBVIOUS IT WAS NOT.THUS THE INCREASE IN MY LOAN PAYMENTS.I AM A XXXX YEAR OLD SENIOR XXXX AND MY HEALTH IS DECLINIG DUE TO THIS FRADULENT ACTIVITY.MYHOME HOME VALUE HAS .. 









H MY LOAN HAS TRANSFERRED THREE TIMES.I HAVE ALWAYS PAID MY OWN INSURANCE.MY LENDERS ALSO STATED THEY INCLUDED MY INSURANCE WITH MY PAYMENTS. XXXX XXXX AND XXXX. IWAS PAYING MY OWN INSURANCE WITH XXXX XXXX AND NOW XXXX.I SENT XXXX   {$7000.00} AND THEN {$5500.00} OF WHICH THEY INDICATED I OWED.NOW RUSMORE UPON TRANFER TO THEM HAVE RAISED MY MORTGAGE PAYMENT TO {$2000.00} A MONTH.I AM A XXXX SENIOR OF WHOM MY ORGINAL XXXX XXXX MY ORIGINAL MORTGAGOR CAN ATTEST WAS TIMELY IN MY PAYMENTS.MY ORIGINAL LOAN WAS {$160000.00}. I NEVER REFINANCED NOR BORROWED AGAINST MY HOME.WHEN TRANSFERRED TO RUSHMORE MORTAGE THEY HAVE ASSESSED ME OWING ALMOST {$300000.00}. THAT IS FRAUDELENT MY NEW PAYMENT IS NOW {$2000.00} A MONTH.PLEASE INVESTIGATE. I AM XXXX YEARS OLD AND VERY ILL. I NEED HELP XXXX THEN TRANSFERRED TO NATION STAR OF WHOM TRANSFERRED MY LOAN TO RUSHMORE MORTGAGE OF WHOM IS CHARGING ME ALMOST 2100 A MONTH. I HAVE NEVER NOT PAID MY OWN INSURANCE AS I HAD XXXX FOR YEARS AND NOW XXXX. PREVIOUS MY TAKES AND INSURANCE WAS COVERED BY MY PAYMENT.+
Product: Mortgage

My ex wife took out a modification on the original mortgage without my signature. Ditech Financial LLC. When I contacted them they told me my name should have been on it as well as other banks told me the same thing. I am remarried and live with my current wife at an apartment that we have lived for 6 years. I pay XXXX per month and I am trying to take out a mortgage but Ditech continues to report negatively to the credit bureaus as my ex wife does not pay her bills on time as they know that i do n't live nor see the bills that go to that home. The only reason i found out is by trying to get a mortgage and I saw the modification and have spoken with them and they have been horrible as far as sending me the proper paperwork. They know they made a mistake by doing the modification without my signature and it is holding be back from moving, etc.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. LOANDEPO.CO XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is my several 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 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, credit repair services, or other personal consumer reports

Equifax will not investigate and remove inquiries that were fraudulent I talked to several representatives in the fraud department
Product: Debt collection

I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX 

I have attached a photo of the latest letter and recording of my phone call. 

I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. 

contact XXXX and XXXX  with communication. do NOT contact me.
Product: Debt collection

A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : 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 have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX