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

I have an issue with the way Experian is handling my investigation requests..I disputed the accounts I noticed that had inconsistant and inaccurate information about me on my credit. I wrrote to Experian over 7 times and they have NOT performed the investigations at all .. The other 2 bureaus DELETED the accounts listed and wrote me. Some of the companies I disputed wrote me too. I pulled a new credit report from Experian and they are the ONLY company still reporting the information on my credit. HOW? I know they have ignored my requests which is a direct FCRA violation and this manipulation of my score is causing damage and harm. I am incurring postage fees and spending money I dont have to make Experian comply. I am writing CFPB for help with this issue and a record of them receiving my complaint before I have an attorney review this case. I do not think this is right and I will find out if Experian is targeting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am submitting this on my behalf and no third party is involved. 
I, XXXX XXXX have reached out to Equifax several times about having the wrong demographic information on my report. I've sent the correct documents proving my identification and yet my address is still incorrect. Equifax is intentionally not deleting the addresses I've requested for them to delete.
Product: Debt collection

Resurgent capital services has been harassing me by email, and phone for three years now and even after telling me on the phone and looking up account numbers rhat my debt is in fact paid off, it was transferred to another company that they were not aware of and they are putting that blame on me by continuing to call and email relentlessly saying i owe them {$500.00}.
Product: Credit reporting

State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.
Product: Checking or savings account

I have multiple credits going to my chime account. As well as my tax refund. The companies app had a glitch and there was a paynt of XXXXdollars and some cents that kept trying to send. Chime froze my account and failed to tell me what I did wrong and refused to refund the refunds that are going to that account. When asked what I did wrong they immediately closed the account. The customer service reps and manager were no help either
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Following a thorough analysis of my current credit report, I noticed numerous accounts that I believe are incorrect and were added without my permission.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am not liable for these accounts. 
XXXX XXXXXXXX. 
I did not sign a contract with them. I was not provided with the original contract with my signature on it. For the record, All Credit Bureaus are required by law to put in the comment section of a credit report " Notice of Dispute '' in progress to let other lenders know of accounts are in the disputing process, which is also a violation according to 1692.
Product: Mortgage

I am looking for help with our housing situation. Ive been a customer of Ocwen Financial Corporation for over 10 years, in those years Ive applied for mortgage modification and have been denied many times. I have an adjustable rate mortgage that is currently 6.5 %. Since XXXX, I have been upside down in my home value. I didnt walk away, Ive held on and I have tried to do the right thing. My mortgage has doubled and continues to increase. I cant get Ocwen to do the right thing and modify my loan to a standard home loan. In XXXX Ocwen accepted approx {$50000.00} from the Hardest Hit Fund and they continue to want more. I am now at risk of foreclosure as my mortgage  continues to increase. 

In XXXX, we went from a dual to single house home income after my wife became sick. Ive used my savings and now tapped into my 401k. I can no longer risk and spend my retirement to save a home from a company that doesnt make an attempt to make things right. 

I can send more information including the total income they have received from me in over 10+ years. I look forward to hearing from you and can get into more detail. 

Thank you for taking our case.
Product: Vehicle loan or lease

car was repossessed in XXXX  due to late payments during the XXXXXXXX XXXX. I communicated with the company that I was not able to work due the XXXX  and would only be able to make below the minimum payment. I never received a notice of repossession prior to the car being taken and now I am still being contacted about the past due loan balance by debt XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion of fraudulent accounts on my credit report. These accounts were previously removed after I reported them as fraudulent due to identity theft, yet they have been wrongfully reinserted without the legally required notification. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. 

Fraudulent Accounts in XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) According to FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if an account is re-inserted into a consumers credit report after being deleted due to a dispute, the credit bureau is legally required to : 1. Notify me in writing within five ( 5 ) business days of the re-insertion. 
2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before re-inserting it.

Since I was not notified, this constitutes a direct violation of federal law and infringes upon my rights as a consumer.

Federal Identity Theft Protection Laws Additionally, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), fraudulent use of my personal information is a federal offense. I have already taken steps to secure my identity, including : Filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ].

Reporting this fraud to the Federal Trade Commission ( FTC ).

Immediate Corrective Actions Required I demand that the credit bureau take the following actions immediately : 1. Permanently remove the fraudulent accounts from my credit report.

2. Provide written confirmation that these accounts have been deleted and will not be reinserted without legal justification.

3. Disclose the name and contact information of the entity that requested the re-insertion of these fraudulent accounts.

4. Provide documented proof that these accounts are legitimate or acknowledge that they were reinserted in error.

Legal Consequences for Non-Compliance If corrective action is not taken, I will be left with no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursue legal action for violations of the FCRA, which allows for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful non-compliance. 

This letter serves as formal notice that I expect a response and resolution within 15 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and sent out letters to Experian, XXXX XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the credit report!
Product: Checking or savings account

Discovered some fraudulent activities on my business account at Truist Bank which emptied my account including several overdraft fees. Went to the local branch after attempting to reach Truist by phone but was advised by rep that the fraud claim could only be done over the phone. I left the bank and I have sat in my car for XXXX hrs on the phone on hold now as I am writing this waiting for an answer. This is unacceptable while my account continues to go in overdraft. Why couldnt the local branch handle this?
Product: Debt collection

I am in dispute of the balance owed on this account. I have requested a copy of my signed loan agreement twice on the company 's website, and have received neither acknowledgement of my request or the document itself.     I received a collection call on Saturday,  XXXX  from phone number  XXXX . I informed the agent, whose name I could not understand, that I would bring the account current on  XXXX   XXXX  ; I am currently late on the payment due  XXXX   XXXX ,  XXXX .     I told the agent that I had requested a copy of my loan documents on the web, and that I had not received them. I asked the agent to provide a copy to me, and he told me that I could not have a copy of my loan documents until I brought the loan current.     I do not receive monthly statements from this company. A review of the statement history online reflects that I have been assessed a monthly " interest charge purchase '' since  XXXX ,  XXXX , totaling over {$600.00}. I do not understand why this charge is being added to my loan balance.     I feel that this refusal to provide me with a copy of my loan documents is an attempt to prevent me from verifying that I am being overcharged for this loan. My record of payments made shows that my open balance is much lower than what the company says I owe. I wish to have the original docs so I can verify my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX XXXX XXXX that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments /ve attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 im now requesting you investigate this account and update these payments to paid on time immediately. I was in forbearance and spoke with XXXX loans and they said no late payments should be reported to my account because of covid 19 at the time as well. Thank you for your understanding and prompt action
Product: Debt collection

I received documentation regarding a Home Depot credit card debt owned by Citibank. I have never applied for, authorized someone to apply for, or used any credit cards from Home Depot or Citibank. I was contacted by XXXX XXXX  XXXX  regarding this debt and I explained this incident was a result of identity theft, however this company continues to contact me. It is important to note that my address has been at XXXXXXXX XXXX XXXX XXXX XXXX for a number of years however the address noted on the debt was listed as XXXX XXXX XXXX XXXX. I never lived at XXXX XXXX XXXX nor do I know who lives there. 

I am an elderly man. I am retired, I dont own a car, and I do not own my own home. I have no need for Home Depot purchases. 

I am asking that Home Depot review video records to confirm that I did not enter their store to apply for a card nor did I make any purchases.
Product: Credit reporting or other personal consumer reports

I am victim of the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX paid in full but currently reporting to all three bureaus as written off charged as bed debt which is deformation to character and livelihood when trying to apply for a mortgage. Also reporting inaccurate under FCRA 611 ( 5 ) A & 15 USC 1681 also involved in a lawsuit in violation of USCC CODE
Product: Credit reporting or other personal consumer reports

First and foremost, I must emphasize that my right to privacy is of the utmost importance. I am invoking this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), it is your full responsibility to " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am asserting my right under this statute. Kindly ensure that the following information is handled with the highest level of fairness, impartiality, and respect for my privacy. 

Pursuant to 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized these companies to have any permissible purpose. As such, they are in clear violation of this law. I request that these accounts be removed from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, credit capacity, and more. Since you are obligated to protect my privacy, I expect this matter to be addressed with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

you are in direct violation of the fair credit reporting act Possible finance Inc Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - not mine - inquiries attached also are nto mine
Product: Credit reporting or other personal consumer reports

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


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

I've just seen my credit report for the first time, and I see all the inquiries that I do not recognize. I'll list all of them here.

1 ) XXXX XXXX XXXX : XX/XX/XXXX : Never applied for Credit.

2 ) XXXX XXXX XXXX  : XX/XX/XXXX : Never applied for Credit.

3 ) XXXX XXXX : XX/XX/XXXX : Does not use XXXX. We use XXXX.

4 ) XXXX XXXX XXXXXXXX & XXXX XXXX XXXX : XX/XX/XXXX - it has 2 hard pull inquiry on credit report. Please combine into one, as two of them incurred on the same date of XX/XX/XXXX. Bought only one car.

5 ) XXXX : XX/XX/XXXX : Do not recognize this entity.

6 ) Furthermore, I only have 4 XXXX  Credit Cards, and on the Credit Report, it lists 6.

Please delete 2 of 6 inquiry.

Lastly, thank you for your help.
Product: Credit reporting or other personal consumer reports

I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX  XXXX-Showing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX-Requested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXX- Requested method of Validation and proof of negative information or delete from report. XXXX XXXX XXXX XXXXXXXX XXXX DOES NOT report this information to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

RE : CASE NUMBER XXXX Wells Fargo mortgage continuously miscalculated fees and other charges in my Escrow account. When I requested correction of these errors, Wells Fargo mortgage responded first by generating two incorrect foreclosure letters among other tailored documents to justify misappropriating funds in my escrow account, then refused to directly address issues raised. A lender that would go to such lengths to cover up untruths leaves much to be desired. 
Be advised that I demand an explanation of the epileptic mortgage interests charged in : XXXX ( {$6300.00} ) ; XXXX ( {$5100.00} ) ; XXXX ( {$4800.00} ) & XXXX ( {$3700.00} ), since my loan is on a fixed rate. Additionally, please provide following XXXX escrow calculations : Beginning balance - Funds Received - Funds Disbursed - Ending balance. 

Lastly, I will appreciate details of the 'interests ' and 'other charges ' added to the ending principal balance of {$85000.00} that produced an outstanding mortgage of {$91000.00} as stated on my XXXX Form XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my XXXX consumer profile. I've contacted Security Finance XXXX XXXX numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They did not. I've never gave consent for them to share any of my private nonpublic information. 
Also as defined by the IRS -Even if you don't receive a 1099C, you must report cancelled 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!! 
Security Finance is reporting this account is C/O on my consumer report they SHOULD NOT. 
Delete this account!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter requesting that you investigate items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, they have failed to respond to my request.