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

Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy XXXX? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a Debit Collection Agency. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX Bank was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXX XXXX predatory loan service practices.
Product: Mortgage

Nationstar Mortgage is now playing the same game for which XXXX XXXX XXXX was sued and had to pay a fine. They are arbitrarily making rules regarding flood insurance coverage compared to home insurance coverage that enables them to forcibly obtain additional flood coverage and take the amount out of one 's escrow account. I was notified by Nationstar that the difference between my homeowner 's policy and my flood policy was too great a difference ( their determination, not Fema 's ). The XXXX letter ( dated XXXX/XXXX/15 ) stated that my coverage needed to be at least as much as the unpaid principal balance of my loan, 100 % of replacement cost of the property as determined by my homeowner 's provided, or the maximum available from the National Flood Insurance Program. I called Nationstar on XXXX/XXXX/15 and was told the letter was in error regarding unpaid balance on mortgage. A XXXX letter was received, removing the unpaid balance of the mortgage as a choice of limits to go by. This letter I took to my homeowner 's insurance agent and explained my problem. XXXX XXXX then did a review and lowered my replacement value to less than my flood insurance and should have faxed said information to Nationstar. So today, XXXX/XXXX/15, I receive a letter from Nationstar stating they took out a GAP FLOOD INSURANCE POLICY effective XXXX/XXXX/15 through XXXX/XXXX/15 and charged {$6.00} to my escrow moneys. Nationstar unilaterally decided in XX/XX/XXXX that I did not have sufficient flood insurance coverage, did not inform me until sending a letter dated XXXX/XXXX/15 ( which is about the time my new flood insurance and homeowner 's renewed by yearly payment from escrow ). After I took care of their issues by lowering my homeowner 's policy, they inform me they bought a XXXX month gap policy for a period I was never informed of or given time to correct. Basically, Nationstar has no interest in my property beyond what is owed them. My policies more than cover the outstanding balance. A XXXX call by me to Nationstar on XXXX/XXXX/15 confirmed that this is not a XXXX policy but simply a Nationstar policy. To me it is simply a way for Nationstar and other mortgage companies to try and sell policies and make money at the homeowner 's expense. Having already suffered through this with XXXX XXXX XXXX, I find it appalling to have to go through this again.
Product: Credit reporting or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate these items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$3600.00} However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As long as Equifax avoids addressing my issues I will continue to send compliants via this portal. I have asked repeatedly that negative information be corrected because of inaccuracies and so has the credit card company, but Equifax won't even read my dispute to see what I am referring to exactly. I have so many generic responses from them in letters and on Equifax.com that I am getting so frustrated asking for specifics to be verified because all they do is verify the whole account and disregard my specific complaint completely. When a small piece of information impacts my whole financial life how dare they pretend like they can't hear me or see my issue. what is the purpose of deleting all around that month but not that month??????? Why not address the specific month and the specific information I am disputing and STOP brushing consumers off with mediocre responses and generalizing a complaint and refusing to change the misinformation? The XXXX account that begins with XXXX has and incorrect 30 day late that XXXX acknowledge and reversed due to fraud, for some horrible reason Equifax, and only Equifax, is not changing the negative information and so I ask them to remove the whole account as it violates the law but I get the sam robotic response from them .... 

How many months do people need to wait for Equifax to respond, acknowledge or consider what is being complained about and correct or delete the account based on facts, phone calls, fraud alerts and complaint history?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 credit karma advised me of being pre-approved for a XXXX  XXXX credit card, all I had to do was apply for the card which I did. The report came back that I was in fact not approved and being that a hard inquiry was performed, my credit score immediately dropped by XXXX  points which made an already difficult situation of finding housing as my lease was coming to an end to an almost impossible situation! I have since read in numerous articles that I am not alone in this matter so I decided to report this misinformation in hopes that it doesn't continue to happen to others!
Product: Debt collection

This debt is a collections account that was placed on my credit file. It is from Phoenix Recovery Group on XX/XX/2021 for the amount of {$1500.00}. The original creditor is XXXX XXXX. This account is not mine and I have no knowledge of this account. I have never had any business dealing with Phoenix Recovery Group or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Transunion for failing to delete and discharge an inaccurate public record account from my report.They 're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. 
I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Transunion has been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and discharged immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my credit report. One is from Capital One Auto Finance and the other is XXXX XXXX XXXX Credit Card XXXX sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted capital one over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but Capital One Auto Finance does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX  XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Product: Debt collection

I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017. They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both XXXX XXXX XXXX and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

I called in to Capital One on XX/XX/XXXX in the morning because I was having issues with getting a rental car. The first rep I spoke with was very nice and she did her best to help. Unfortunately, I got transferred to another woman who was rude, disrespectful, unprofessional, and hateful. I asked to be transferred to someone else SEVERAL TIMES and she repeatedly refused to help me with the issue at the rental car desk. I had to cancel the reservation because this woman was so awful. She should not be employed by Capital One. Shes an embarrassment to Capital One
Product: Debt collection

NCB Management Services and XXXX XXXX are reporting on the same debt that has not been validated as being owed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should already be deleted it has been on my credit since XXXX and I need it removed I don't owe Portfolio Recovery anything.
Product: Debt collection

On XX/XX/2019, I contacted Portfolio Recovery Associates, LLC via certified letter regarding various daily annoying debt collection calls. I sent the attached CEASE and DESIST letter requesting documentation that supports why they believe the debt belonged to me and I received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit and my information was ran 9 times on my equinox, XXXX XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

I disputed two transactions billed by XXXX which were charged to my credit card. I explained to the Citi Card representative that my son, XXXX XXXX , made these transactions without my authorization. XXXX is not an authorized user on my account and he went through my purse a while back and used my card. I told him he needed to stop using it as he would not pay me the amounts that were being charged, so I requested a replacement card sometime in XXXX. My son did the same and got ahold of this new card number, and made two new transactions on XX/XX/XXXX, amount of {$390.00} & XX/XX/XXXX amount of {$770.00}. Im not disputing any transactions from XXXX, but absolutely will not be accountable for the ones XXXX charged in XXXX. I have kicked my son out of my home due to this and many other problems. Citi Card & XXXX need to go after my son for these charges, and not myself. If Citi Card needs to sue him, they should do that. The driver license # for my son is XXXX, Citi card can go prosecute him. If Citi Card refuses to resolve these disputes, I will not pay my credit card statement balance and the entire credit card bill can go to collection. I do not understand why Im being held responsible for these unauthorized charges when I'm giving Citi Card all the info required for the dispute and also advertises fraud protection, when clearly this is false advertising when I'm still being held responsible. *this letter was translated from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report that XXXX has failed to properly investigate my disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, XXXX  actionsor lack thereofhave directly caused harm to my creditworthiness and financial stability.

Summary of Issues Experienced : 1. Failure to Properly Investigate Disputes When I disputed inaccurate information on my credit report, XXXX failed to conduct a proper investigation as required under the FCRA ( 1681i ( a ) ). Instead, XXXX either sent me generic responses or relied solely on data furnishers without verifying the accuracy of their responses, even when the information was clearly improbable or contradictory. 

2. Reinsertion of Deleted Information After disputing and having inaccurate tradelines removed from my credit report, XXXX allowed the same inaccurate information to reappear under the name of a different furnisher, without notifying me or ensuring the information was accurate, as required by the FCRA ( 1681i ( a ) ( 5 ) ( C ) ). 

3. Failure to Notify and Inform Me of Investigation Results XXXX sent me vague or unclear notices regarding the outcome of their investigations, which failed to meet the FCRAs requirement to inform consumers of investigation results ( 1681i ( a ) ( 6 ) ).

4. Harm and Impact These actions have caused significant harm, including : Denial of credit. 

Lowered credit scores due to unresolved inaccurate information. 

Emotional distress due to the time and effort spent disputing the same errors repeatedly. 
Legal Provisions Violated : FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of information.

FCRA 1681i ( a ) : Mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes regarding the accuracy of information.

FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of previously deleted information unless certain conditions are met, including notifying the consumer.

FCRA 1681i ( a ) ( 6 ) : Requires credit reporting
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX from XXXX XXXXXXXX has inaccuracies thats violating of FCRA requirements... 
date last active : transunion XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX last payment : XXXX XXXX XXXX XX/XX/XXXX Therefore all this errors and inaccuracies makes this report invalid ..must delete from my credit report...
Product: Credit reporting or other personal consumer reports

The following credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent, unauthorized, not my credit inquiries and is the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$6100.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- INSTALLMENT LOAN 11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from XXXXXXXX XXXX  regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.