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

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Transunion : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I called Convergent Outsourcing INC ( XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to 4 different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was XXXX ( XXXX, FLXXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, I filed the proper ID Theft report # XXXX, including all required documents & affidavits, I even had Senator XXXX XXXX office contact the Credit Bureaus.After months and months of fighting and perseverance, the ID theft Accts were finally blocked. 

A XXXX card, which was the result of that ID Theft and was BLOCKED from my credit reports is back on m credit reports. 
As a result of the ID Theft I had requested XXXX to conduct a full and proper investigation and forward every document concerning this account and results of XXXX investigation. XXXX did none of this and I have received zero documents as required by law. 
However, and incredibly shocking These XXXX at XXXX continue to break and ignore the rules of law. XXXX has placed this account back unto my Experian, XXXX and XXXX credit reports, dropping my credit score over 100 pts, resulting in my insurance cost being raised. THIS IS THE ONLY NEGATIVE ACCOUNT REPORTING TO THE CREDIT BUREAUS. 
EXPERIAN, XXXX AND XXXX MUST BLOCK THIS XXXX ACCOUNT again IMMEDIATELY. Otherwise I will hand this over to my attorney to file a lawsuit against Experian, XXXX   and XXXX in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the Credit to remove the XXXX accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. U.S.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the XXXX accounts are XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The problem is as of today XX/XX/XXXX  that XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Equifax report. 

I can provide my correct information such as my driver 's license. 

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

Experian hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX Experian is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Product: Credit reporting or other personal consumer reports

I have a credit card with Wells Fargo that was charged off in XX/XX/XXXX so card was closed and I had no access to spending as of then. Now XX/XX/XXXX I noticed an update on my credit report that around {$2000.00} were added on to the amount that was charged off. I already submitted a dispute with XXXX regarding my concern with possible fraud or identity theft but the dispute outcome was my credit report unchanged. I spoke to both Wells Fargo and the third party debt collector that my account was sent to but neither company was able to explain where the additional XXXX dollars came from or why this adjustment was made on my credit report. All I was offered by the third party debt collector were statement for the year of XXXX up until XXXX since that is when the card was charged off and access to spending was relinquished. Which does not resolve anything being as the new charge is from XX/XX/XXXX. It has been 2 weeks since I spoke to the third party collector and I have yet to receive anything from them.
Product: Debt collection

I put a stop payment to assistant living care home since I felt all was payed as I gave notice I was leaving because I was mistreated there of XXXX XXXX XXXX the assistant facility hired a outside firm to remove {$3900.00} out of my checking account which included {$1300.00} of my social security money I filed. Dispute with the bank and the bank gave me back the money but if I was in the wrong the bank wanted the money back there for now I am negative of {$3900.00} in the account with over draft fees please please help me XXXX XXXX XXXX. XXXX XXXX call me
Product: Credit reporting or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$15000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Im writing because I noticed that in my credit report contains 1 late payment reported on XX/XX/2017 for my XXXX XXXX store credit card account. 
I want you to know that I understand how important my financial obligations are, now that I know more about credit and life, and if it werent for the miss confusion on your autopay, postdate payment, and paperless features on your website, Id have an excellent payment record with you. I understand that it is my responsibility to always keep an eye on my finance, but since then, I havent missed any payment and also paid off the balance if you look at your records. Thats because I decided to make my payments manually every month to make sure I dont miss one anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have the right to privacy and no said company has respected that which would further more draw the line for me to file Civil charges in such said fraudulent activity. Each document that has been recently submitted with these forms will document how many times a debt collector has harassed me daily on my mobile device constantly threatening me with civil charges that has not ever came. I have sought out to have my credit froze due to this data breach and Identity theft. Neither said companys above has actually stop reporting Alleged accurate or inaccurate information until this DISPUTE HAS BEEN FINANLIZED. I have been consistently defamed of my character with a low credit score reporting with no VALID INFORMATION being given to me. I have also been denied credit on numerous of occasisions from credit card comapnies and loan companies. I request that all information that has been deemed to be Alleged Verified be removed from my credit report unless such said party can send me the ORIGINAL DOCUMENT WITH THE WET SIGNATURE that I did business with such said companies Reported above and originally in the dispute. In conclusion, The Consumer Financial Protection Bureau and the FTC will be CCd due to your companys negligence. Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond with satisfactorily with deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 7. Defamation of Character ( per se ) 8. Negligent Enablement of Identity Fraud 9. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 10. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 11. Aggravated Identity Theft per 18USC 1028 12. XXXX XXXX I hope you understand the severity of situation. 

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

To Whom It May Concern : I am writing to dispute a new derogatory remark that appeared on my credit report on XX/XX/XXXX. This collection stems from an incorrect billing code that neither the doctor 's office nor the insurance company was able to fix after both parties acknowledged that it is a billing error and I should not be responsible for the payment. Please see a brief timeline of events below : XX/XX/XXXX - a medical procedure was performed which I was told would cost me a total amount of {$80.00} that I paid prior to the procedure by the doctors office. ( See attached document titled " chase '' ) XX/XX/XXXX-XX/XX/XXXX - I spoke with both doctor 's office and the insurance company on three separate occasions describing my issue and both parties agreed that its simply a billing error and I should not be responsible for the additional charges. Additionally, the insurance company took initiative and stated on each of the three phone calls that this issue would be resolved in 30 days. 

XX/XX/XXXX - I received a collection notice from United Consumers stating that I have an outstanding collection amount of {$250.00}. Further, the letter states that if I dispute the validity of this bill, I should notify the office in writing within 30 days from receiving this notice and the collection agency would obtain verification of this debt. ( See attached document titled " United letter '' ) XX/XX/XXXX - I sent a detailed letter to both the collection agency and the insurance company disputing the validity of the bill and highlighting why I should not be responsible for this bill and requesting that both parties take action to help resolve this issue. ( See attached documents titled " Insurance '' and " United '' )  XX/XX/XXXX - I received a notification from several credit monitoring services stating that I have a derogatory remark on my credit report. 

I was completely surprised by this due to the fact that United Consumers never followed up with me or provided me with a debt verification notice. I was under the impression that this issue was resolved since I didnt hear anything since I sent the letter on XX/XX/XXXX. 

I am requesting that you please help me resolve this issue as soon as possible so that this miscoded bill is taken off of all of my accounts and the derogatory remark is removed from my credit report. 

Please let me know if you have any further questions or concerns.
Product: Mortgage

In XXXX XXXX l purchased my XXXX home for {$410000.00} with a down payment of {$80000.00} with {$320000.00} loan.After a year l refinanced the home with a bank in Florida for XXXX fixed with interest rate of 3.5 % or 3.2 % am not sure .After few months in the loan was sold to well Fargo and this was in XXXX and as a this time the loan was between {$270000.00} to {$290000.00} or less .I paid my mortgage to Wells Fargo till XXXX XXXX the loan was around {$250000.00} XXXX was affected by the economic downfall and was sick and l lost my job .As a result of this l was unable to afford my mortgage and l went to Wells Fargo for a loan XXXX XXXX And after several turn downs of a year, my home was almost going foreclosure finally Wells Fargo claimed my loan was mortified.Some documents was sent to me for my signature .l noticed the loan was now {$370000.00} with maturity years of XXXX ( XXXX ) and interest 2 % for {$290000.00} out of the {$370000.00} loan .Of course l was desperate and l called the bank for an explanation of why the loan was this high, they were not able to explain to me why it was this high, all they could say was l did not pay my mortgage for a year or more a threat if l do not sign the document my home will foreclosure .I had no choice but sign the document .But l refuse to refinance that loan till l find someone that could help me sort this out .l hired a lawyer 3 years ago but he could not handle it because l could not afford his bill .Despite the fact that money was given to Wells Fargo by the government then, to modify this loan and XXXX XXXX of the loan .But they did not modify this loan rather they extended the life of the loan and added a huge amount of money more to the loan. 
Then my name was XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX   XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with XXXX XXXX XXXX XXXX XXXX and its successors. XXXX XXXX XXXX and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with XXXX   XXXX XXXX and XXXX XXXX or owe a debt to XXXX   XXXX XXXX and XXXX XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXXby which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXXXXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. XXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete XXXX XXXX XXXX and XXXX XXXX, immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ). 

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

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

I HAVE FRAUDULENT INQURIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED IMMEDIATELY, THANKS.
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within XXXX business days. These must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I signed up for in-store rewards at Khols in XXXX, Tn. I did not sign up for a credit card and did not approve of a credit check. Khols ran a credit check on me and it dropped my credit score 30 points in one day while my wife and I are in the process of trying to buy a home.