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

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Product: Credit reporting or other personal consumer reports

On XX/XX/17 I received several hard inquiries on my credit report from unauthorized credit card companies
Product: Debt collection

These accounts I have no knowledge of please remove. 
XXXX XXXX XXXX {$1300.00} XXXX XXXX {$920.00} XXXX XXXX {$430.00} XXXX {$420.00} XXXX {$130.00} XXXX {$65.00} Please remove this accounts I have no knowledge of these accounts.
Product: Debt collection

I have called both companies on 4 different occasions in XXXX, and XXXX, the origional company XXXX XXXX , and the collection agency XXXX XXXX about this debt of {$6000.00}. upon providing my Name, address and social security number, i was told that my l provided information and Supporting documents such as drivers license and Social secutiry, and previously filed FTC Reports.does not match the account attached and listed on my credit files, so there is no information which could be provided to me. However, this negative item remains on my credit reports, and i am requesting this be removed.
Product: Credit card

Hi I thought the claim was closed in my favor with XXXX XXXX and I spoke to the fraud investigator and she was very rude to me and it been over 45 days and the claim is still pending and I want it close and all payments that was stolen from me to refunded back to me. 
Also I dont want any offers from this bank and I didnt apply for XXXX XXXX or did any business with this company
Product: Mortgage

On Saturday, XX/XX/XXXX, my husband and I received via certified mail notice of default from Caliber Home Loans. This is in error because we have paid our mortgage on time and our online account shows that we are current on our mortgage. The notice lists {$0.00} as past due and yet clearly states notice of default. 

This is very distressing to us, as it is our understanding that 30 days from receiving this letter our home may be placed for sale. We want to make sure this error is immediately addressed and have also contacted Caliber. 

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

CFPB XXXX has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( XXXX ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( XXXX ) ( XXXX ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( TRANSUNION ) INQUIRIES ONLY XXXX not fraud over XXXX yrs DELETE XXXX XXXX XXXX  please delete old addresses that not on my government ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I want to make sure that this is my debt I did have my credit compromised. Originally when I looked at my report it showed it was charged off over a year ago they bought it and reaged it to an open account which is not the case this accounts was closed if it is the one I'm thinking about. There are two accounts that this company is doing this. Also I have spam calls from them I can't tell you how many times I have had to block the text messages as SPAM. I've even told them I don't believe they are mine and I want them removed, If I really owed XXXX XXXX why was I able to get a CC recently from them. Thery have 30-days to remove these charges from my credit report and stop bothering me.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  and a XXXXXXXX XXXX and recently i discovered recently that my identity was stolen and was taken advantage of to create fraudulent accounts and fraud inquiries. My complete name is XXXX XXXX XXXX and ALL accounts with incorrect and inaccurate names must be removed from my credit reports especially the fraudulent ones. I need your help to please delete these accounts from my profile asap : The fraud accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also need your help in correcting my address and name. It should only be XXXX XXXX and XXXX XXXX XXXX XXXX XXXX California XXXX, nothing else. Thanks! I have attached here my FTC reports, ID, and proof of address. I haven't received my requested SS card yet. As a foreign citizen in your country, I kindly request for your assistance as I don't know much people who can help me with this issue. Thank you! i have noticed that I don't have credit history showing in Equifax. Can you also please fix that for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX.
Product: Checking or savings account

I requested a new debit card on  XXXX / XXXX /17 because mine was stolen on that day so the bank Wells Fargo issued another card with a new number, I received it and activated it but never used it yet then on  XXXX / XXXX /17 I checked my account balance online and noticed   XXXX   check deposits where made on  XX/XX/XXXX  for $  XXXX / $  XXXX / {$500.00} at an ATM somewhere far in west   XXXX   far from where I live and do all my banking at then that same night there was a purchase at a   XXXX   XXXX   XXXX   XXXX   for {$3.00} with {$370.00} cash back for a total of {$380.00} then an ATM withdraw the next morning for {$300.00} I reported this immediately and was informed a few days later the claim was declined the bank said it was impossible for someone to copy my card because of the chip I ask how is this possible when the new card has never been out of my possession and I have not used the new card I ask if they mailed another card to a different address or what pin was used I feel this had to have happened somehow but the bank would not tell me anything I advised I filed a police report and the police need more evidence copy of check deposits camera footage they said I can get copy of the checks but camera footage they will not do unless ordered my the courts, I received the copy of the deposited checks and the signature is not mine. Ca n't the bank see this?
Product: Mortgage

Asked Lender to remove PMI. Asked to have LTV Calculations completed to remove PMI. My LTV is below 80 % ( 79.5 % ) but lender refuses to remove PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX  XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights 15 U.S..c 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted the XXXX I continued to go back and fourth with the company until the XX/XX/XXXX when the XXXX closed the case even though a solution was never reached. And the bank never actually replayed through the XXXX they just sent me letters so the XXXX closed the account with no findings. And the company just kept going in circles and never actually responded to my concerns. 
My account was closed with no notification and they are unable to tell me the reason why it was closed. I opened an XXXX XXXX credit card about a year ago ( while under a bankruptcy ) I have been in good standing ever since. on XX/XX/XXXX my card was declined, when I called the bank I was told the card was closed and that it was due to a change in my credit, when I asked what the change was she told me a list of samples ( she was unsure which one applied to me ). I contacted XXXX XXXX and ordered a full report, but from what I seen online my credit went up in points from when I first applied, the last time the bank checked my was in XX/XX/XXXX ( I called XXXX XXXX and confirmed ), I only have three cards that were opened after the bankruptcy including them and they are all in good standing and paid in full up to date, and anything else before the bankruptcy is closed due to it. I called back XX/XX/XXXX and asked to speak with a manager, when I told her I spoke with XXXX XXXX and I am able to see my score its only gone up and can see tell me what the change was? she told me she is unable to see my report only my score. I than asked what was my score and she than changed and told me she is unable to see my score. I than mentioned that the last time shown that the bank checked my credit was XX/XX/XXXX, she said that the computers check at random that they cant see anything or no when or why its done. I asked why I was never sent any type of notice that this was happening and she told me once again that apparently the computers send out the notices as well. she said I can try to fight it but they don't just open the card again, they re-check you credit ( so my credit will be affected twice from the closing and from them checking to re-open )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a incorrect hard inquiry showing on my credit report for Equifax. 

XXXX - XX/XX/XXXX Two letters were sent from the company, XXXX XXXX XXXX, who confirmed this was done in error since I do not have any accounts with them. 

Equifax mailed a dispute letter incorrectly stating that the inquiry did not reflect on my report. 

However, that is false since it is listed as XXXX on my report from XX/XX/XXXX. 

I would like the matter to be resolved by removing the inquiry off my file since the company has confirmed this and so have I. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. I NOTICED THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Product: Mortgage

Settlement date is XXXX XXXX, 2020. Today is XXXX XXXX, 2020 and I have not received the Closing Disclosure from Intercontinental Capital Group. Intercontinental Capital Group has not responded to emails or telephone calls from myself and my realtor regarding the situation.
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior complaint from XX/XX/XXXX. While I acknowledge and appreciate the removal of some incorrect items from my credit report, it remains affected by other unauthorized entries. There are still a number of unauthorized hard inquiries recorded on my credit reports, detailed as follows : XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have already notified each company by certified mail that these inquiries were made without my authorization and demanded their elimination. Under the mandates of the Fair Credit Reporting Act, I insist on the removal of these unauthorized inquiries from my credit report. I would appreciate receiving an updated copy of my credit report after these corrections have been made.
Product: Credit reporting or other personal consumer reports

TransUnion verified this account was accurate and i seen my credit report and seen alot of discrepancies and inaccuracies and these errors are in direct violation of my rights under the Truth in Lending Act ( XXXX ). The XXXX protects consumers by ensuring accurate and fair credit reporting. I demand that you immediately remove this inaccurate account from my credit report. If this account is not removed promptly, I will be forced to pursue arbitration due to fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to get a credit card in my name that i didnt apply for and is showing up in my hard inquiries. XXXX XXXX on XXXX XXXX, 2021. Also another one from Bank of America in 2021.
Product: Debt collection

I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ). 

The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.
Product: Debt collection

On or about XXXX XX/XX/XXXX when checking my XXXX credit file I found two trade lines from PlusFour Inc neither of which I had received any notification regarding ; note to date they have still failed to send an initial notification with rights to dispute. In Nevada our state medical collection laws now require a initial notice be sent 60 days via certified mail prior to any collection action being taken which they failed to do but they have also failed to meet the federal standard of sending a notice 30 days prior to enforcement. On XXXX XX/XX/XXXX I sent PlusFour a formal letter of dispute requesting XXXX. An initial notification letter as required by law, XXXX. Validation of alleged debts owed, XXXX. The trade line be deleted due to their violation of my consumer rights and a 60 day stay of execution prior to re-reporting if the debt was valid and remained outstanding at that time. The alleged debts being reported are as follows : XXXX XXXX XXXX, date of delinquency XXXX XX/XX/XXXX, Original Balance {$130.00}, Current Balance {$140.00}, last updated XXXX XX/XX/XXXX AND XXXX XXXX XXXX date of delinquency XXXX XX/XX/XXXX, Original Balance {$70.00}, Current Balance {$71.00}, last updated XXXX XX/XX/XXXX. On or about XXXX XX/XX/XXXX I received a initial validation letter for XXXX XXXX XXXX, no original delinquency date, Balance due of {$63.00}. On or about XXXX XX/XX/XXXX I received a validation document from PlusFour, the attached statement from the creditor XXXX XXXX XXXX lists a date of service XXXX XX/XX/XXXX and date of last payment XXXX XX/XX/XXXX, balance owing {$130.00}. On XXXX XX/XX/XXXX I sent a second letter to PlusFour advising the following : XXXX. The balance they are claiming is for {$63.00} while they are reporting and submitted a validation of debt with a balance of {$140.00}, XXXX. They have failed to furnish any evidence of a debt owed to XXXX XXXX and have failed to provide an initial notification letter regarding the debt. I advised that I would be pending any escalation on my part for 15 days to allow them response, as of today date PlusFour has made zero additional attempts to resolve this dispute.