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

Equifax has sent an email to on XXXX XXXX, XXXX, stating that the current dispute # XXXX investigation initiated on XXXX XXXX, XXXX is complete ; but apparently, the information has not been changed. The only way I am able to confirm what is currently reflected on my report is by reviewing the information on XXXX XXXX. The Equifax online investigation results site crashes whenever I attempt to log into it. Equifax customer service line is constantly busy or it answers and hangs up. Furthermore, Equifax has caused further harm to my credit score by recently reporting this loan as closed as of XXXX. This has caused other credit agencies to update my report showing the loan as recently closed, based on Equifax 's recent incorrect report. This has forced me to now open disputes with XXXX XXXX and XXXX. The XXXX information was reported correctly on XXXX XXXX and XXXX until the Equifax recent entry on my report that the loan is closed. Equifaxs failure to properly update my credit as a current loan with payment history for XXXX is causing me undue hardship and harm. I have been unable to refinance my mortgage due to this inaccuracy. 
I have previously requested that Equifax correct my credit file for this loan on the following dates and disputes filed : XXXX/XXXX/XXXX dispute # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved on XXXX/XXXX/XXXX without correcting the information. Another dispute on this same matter was filed on XXXX/XXXX/XXXX. # XXXX. Equifax reported the dispute as resolved over and over without correcting the information. I have filed at least three subsequent disputes with Equifax on this matter during the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ''
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. XXXX is the only credit reporting agency that did so. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  issued a credit card by mail that was mailed to my residence while I was on a trip to XXXX. I never received the card. A few weeks later I received a statement showing charges in a different city than the one I reside in. I contacted them and reported this as fraud. XXXX XXXX blatantly lied about conducting an investigation and deemed the charges as legitimate. This is a physical impossibility as I was literally in the XXXX XXXXl at the time. I have sent proof including a certified notarized police report proving I was in deed in XXXX at the time. My Spouse and I were on this trip. They have continued to report this to credit agencies causing my credit score to plummet. Consequently XXXX XXXX and XXXX XXXX have lowered my credit limits. I have called them numerous times and have send certified mail numerous times. When I make Follow up calls they give me the one around stating I have not provided all the documents. They are falsely reporting my credit info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my follow-up 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 items 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, block the noteworthy of any information in my credit record that came about due to 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 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

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 XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. 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 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. 

15 U.S.C. 1681s-2 ( A ) ( 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: Mortgage

Stonegate Mortgage massively over charged me for escrow payments XX/XX/XXXX. Their website and telephone rep claims they issued a refund to me for {$1000.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Not only have I FAILED to receive a refund, but Stonegate Mortgage has also FAILED TO PLACE THE NEW ESCROW ANALYSIS ON ITS WEBSITE. The one available now is dated XX/XX/XXXX LAST YEAR!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Im writing to you regarding discrepancies I have found on my credit report. 

Conserve XXXX Why is this account being reported with 2 different dates of last activity? Delete account for inaccurate reporting. 

Once you have finished my request please send me an updated credit report reflecting my request. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit card

USAA added my then-girlfriend ( future spouse ) to my credit card as a secondary authority with all the authority and responsibility matching a primary owner. We used the card regularly for a decade with joint purchases and payments, but when we began a divorce she called in and claimed she was fraudulently added to the card. USAA could not produce the required signature to hold her responsible for the debt and they removed her from the account dumping the debt on me during the worst possible time. They can not produce a reason as to why or how the signature was not collected or maintained. They only repeated we added her on the phone at your and her request and did not either ask for a signature or maintain one ( they do not have the recorded call for this ). They maintained all through divorce proceedings that this could not be undone and she would be held liable jointly for the debt. Due to their fault of not collecting, maintaining, or notifying us about the absence of a signature from my soon-to-be ex-spouse, they have transferred XXXX of dollars of extra debt into my name alone. I have talked to the CEO 's office twice and they refuse to resolve on their side. I have recorded calls, dates, and documentation.
Product: Credit card or prepaid card

On XX/XX/XXXX I was in XXXX, XXXX. I had prearranged a cab pickup from our hotel ( XXXX XXXX ). I had Citi alert active on my card. A man in baggage claim stated he was there from our hotel. My companion and I got in XXXX. He stated the hotel had not paid him after we were en route. He requested my card to run charge. Once he had my card he pulled the XXXX over in front of a bank. He took my card from the vehicle without my permission. He reentered the XXXX and returned my card and said we were ok to proceed to hotel. I did not sign any receipt. I assumed at this time he was from the hotel. After getting my bill, I discovered a charge for {$6200.00} on my Citi card from XXXX XXXX XXXX XXXX XXXX. I called my cards fraud center immediately and filed report. They refused my fraud request twice in writing and a manager stated he would file again. Did not happen. Countless calls to Citi cards has not resolved this issue. I have a credit score of XXXX and have had this card 21 years.I have literally spent hours on the phone with them and spoken to dozens of representatives/ managers. I contacted the hotel in writing to notify them of the impersonator.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and Experian credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I sent a letter to XXXX, Experian, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated report.
Product: Checking or savings account

I have filed a dispute with Bank of America ( BoA ) on XX/XX/XXXX. To the date of this letter the clain remaibs open unpaid. Per Regulation E the timeline given is only 45 calender days. Additionally no credit was provided as should have been per the consumers compliance guide and Regulation E. Upon attempting to call BoA they have decided on there own to not only change the time allowed but to also change the focus of said claim. Regardless a electronic transfer as this was is only able to be reaearched for 45 days. The cfpb states you would have had to provide a credit but instead you have filed it wrong about 4 times after i have been told to call and file it differently just to find out i was correct the whole time. This is unacceptable and i demand my funds be placed onto my account and the case be closed in my favor. Iv veen told you have longer by a few employees but nonebof them have provided any proof of that so ill include where it says you dont have more then 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Systems Int. is reporting inaccuracies to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 ... .I have never been active on this account. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need validation of debt, and I need legal documentation with my signature stating I owe Credit Systes and the exact amount. I am going to file a complaint with the state attorneys office for violation of the FCRA and FDCPA if they don't remove it by next week. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -I C SYSTEM INC # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$190000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for {$10000.00} loan. I spoke to XXXX XXXX XXXX XXXXXXXX and he advised my loan XXXX would be XXXX XXXX @ XXXX and then XXXX called me from that number. He then advised me my credit score was XXXX and he wanted to get it up to XXXX and to do that they were going to deposit some money into my account and I would go to XXXX and send it back to them the following morning. I woke up this morning and he walked me through going to XXXX and buying XXXX cash cards worth {$830.00} and sending him the pics of the front and back of the cards. I did not realize until I got home that they did not send money to my account, they moved money from my other accounts to my main account and cleaned out my bank with the XXXX money cards. Now he is telling me XXXX of the cards is not working and is trying to get me to go back to XXXX and buy another card with it. I think I've been scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, XXXX CRA and Experian CRA continue to incorrectly report as Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter on XX/XX/XXXX to the XXXX Credit Bureaus ( XXXX, XXXX, Transunion ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX   verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, Transunion, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, Transunion and XXXX  is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!