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

I was going to buy a car and I pulled up my XXXX XXXX, XXXX XXXX, XXXX and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, All information must be XXXX percent accurate on my report. 

The credit bureaus stated that my account was properly investigated but that cant be possible. They have failed to provide sufficient proof of verification of these accounts. The Date last active is inaccurate. The Original Payment amount is inaccurate. The Name and Address is also inaccurate. I was told the Agencies could not update my information due to the fact that these additional Alias name variations and addresses were still reporting inaccurate personal information on me. This is a violation of my consumer rights according to the FCRA. 


XX/XX/2023
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2022 to XXXX, XXXX and Transunion detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.
Product: Debt collection

Company sent me a letter asking for collections regarding a debt owed to XXXX in the amount of XXXX. I just called XXXX and verified that I have no balance due on my account. This company is making false claims and threatening to report it on my credit report if I do not respond in 30 days. 

I have sent in a letter disputing their claims as false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the final stages of a mortgage refinance application with XXXX XXXX. There remains one outstanding document that details terms and conditions with my Personal Line of Credit with Wells Fargo. Multiple attempts to obtain this document have not been successful. The first attempt was made on XX/XX/2019. I was told that it would take up to 10 business days before I would receive the document. It never arrived. i re-submitted the request on XX/XX/2019 and again was told it would take 10 business days before I could expect delivery. Again, it failed to arrive. I reached out to the local branch in XXXX XXXX for assistance. A banker there tried to intercede on my behalf and called the credit line group at Wells Fargo. She inquired if they could send the document to her directly. This request was denied. I offered to pay for overnight delivery. This was also denied. I asked if the document could be downloaded to the secure message center on my Wells Fargo dashboard. Again denied. I then called the Mortgage / Equity Loan department who said that because this was a personal line of credit rather than a home equity loan, they could not help me. Next I called Wells Fargo Checking and Banking center who opened up a case with their case management team ( Case XXXX ) but was told it would be at least 3 weeks before they could address my issue. Wells Fargo 's reliance on " snail mail '' for transmission of documents is both poor customer service as well as a security risk. Sending financially sensitive documents via regular post office delivery is not secure and exposes customers to privacy and data breach risks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Lendmark Financial is the absolute worse. Well the XXXX office in Virginia managed by XXXX. They have consistently harassed me with the calls about payment finally Ive expressed to them to stop and they were not authorized to contact me in reference to nonpayment. They have requested me to fill out automatic payment which I signed up for from the very beginning. Listed below in the prove you will see that I have side and authorize them to do automatic payments. They have not collected the payments but of course are adding interest I do not agree with the way how the situation has been handled by the team. I emailed the manager personally she has yet to respond but you have no problem having people calling me and harass me. This is not OK and I should not be penalized with additional fees when everything that was requested for automatic payment has been provided. I told him I prefer not to be disturbed with any phone calls because the payment is in the account and all you have to do is run it with the automatic information provided. I believe theyre maliciously and intentionally not doing it just to allow the loan to go to the creditors. This issue should be addressed and the entire team should be reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the hard inquiries ( & dates ) that are not made by me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX. My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019. COMENITY BANK, XXXX XXXX, XXXX, OHIO,XXXX. This bank issuing XXXX credit cards using XXXX XXXX XXXX, XXXX XXXX XXXX , SD,XXXX. Both in tendon uses XXXX  XXXX XXXX XXXX XXXX, GA.People with credit problems are applying for major departmental stores like XXXX, XXXX, XXXX, etc.through them using identity thefts.please investigate their operation ASAP.my wife has became victim of their operations.If they are allowed to continue lots good people will be victims of fraud and identities thefts.please act ASAP as a consumer financial protection in public interest.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing in response to your recent email regarding the reporting of the following accounts : XXXX XXXX Account # XXXX : Original balance {$20000.00}, charged off and sold to another lender. 

XXXX XXXX Account # XXXX : Original balance {$4000.00}, charged off and sold to another lender. 

XXXX XXXX has provided me with documentation confirming they are the lender that purchased both accounts from XXXX XXXX Bank. These documents include : A letter on XXXX XXXX letterhead confirming the purchase of the accounts and settlement. 

A notarized Affidavit of Sale from the XXXX XXXX - XXXX of Indiana, verifying the transfer of ownership of these accounts. 

A 1099-C Form issued by XXXX XXXX  , which shows the debts were cancelled following their settlement. 

Copies of these documents are attached for your reference. 

Despite these facts, XXXX XXXX continues to inaccurately report to the credit agencies that these accounts are " charged off and sold to another lender '' without acknowledging their settlement status. This inaccurate reporting has caused significant harm, including : Defamation of character. 
Loss of financial opportunities over the past two years.

Emotional distress due to the ongoing dispute.

Additionally, your continued actions and inactions appear to violate several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681s-2 ( a ) ( 1 ) : Furnishing inaccurate or incomplete information to credit reporting agencies. 
15 U.S. Code 1681s-2 ( b ) : Failing to investigate and correct disputed information.

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692e : Using false or misleading representations in connection with the collection or reporting of a debt.

Fraud and Privacy Violations 15 U.S. Code 1681q : Obtaining consumer information under false pretenses.

18 U.S. Code 1038 : False information and hoaxes, causing harm by perpetuating false reporting.

Other Consumer Protection Violations 15 U.S. Code 1691 : Discrimination in credit transactions if your practices are shown to disproportionately harm certain consumers without justification.

To resolve this matter, I demand the following actions : Immediate correction of the inaccurate information reported to the credit agencies. 
Written confirmation that XXXX XXXX has updated the credit agencies to reflect that these accounts were sold to XXXX XXXX and subsequently settled in full. 
Compensation for the financial and reputational damages caused by your inaccurate reporting. 

Failure to address these violations promptly will leave me no choice but to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will explore legal options to seek compensation for the harm caused. 

Thank you for your immediate attention to this matter. I expect a response within 15 days of receipt of this email. 

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

Equifax gave me a XXXX error on my credit report, meaning that I am unable to view my credit report. I called technical support however, they were unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. Equifax, XXXX XXXX and XXXX. I submitted the XXXX XXXX XXXXt request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account that was opened during the COVID pandemic and fraudulent activity was done on the account was never given a legal or law notice or review or even offered any type of relief or deferred arrangements. No investigation was done by the company into the fraudulent charges or how the account was opened without authorization of the private data information holders consent. XXXX and XXXX continues to report the account without proper validation and this there has been clear violation of permissible purpose, as well as once fraud was declared on the account the due process was not taken by none of the above mentioned companies to validated how the account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to Equifax on XX/XX/2022, which they received on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. I also sent a second letter on XX/XX/2022 that they received on XX/XX/2022 I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.
Product: Debt collection

I opened a credit card with XXXX/ XXXX XXXX bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or XXXX ago. MCM midland credit management ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.
Product: Debt collection

CitiBank contacted me from XXXX today at XXXX and : *failed to mention it was CitiBank & *failed tXXXX mention the call was being recorded I advised the agent as such and having asked for a supervisor, alerted him to the remissed advice the call was being recorded. 
Supervisor ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved into the house and made my report of everything that needed. The realtor guaranteed that everything would be fixed within 30 days. The house was unsafe with tiles broken that cut my foot walking across it, the stairs were completely broken and my mother almost fell off due to it. The realtor sent a guy out and all he did was dig a brick out of my yard and put it under the stairs to try and prop it up and the problem wasnt solved as as soon as I stepped on the stairs it feel apart again. After that the problem was never addressed again. I made multiple reports and had many conversations with these problems with no response to fix the problem. They did come to fix the tile bye adding grout but that came out within a few weeks and the problem returned. I also reported that there were holes and gaps in the flooring and rats and snakes got into the house. They didnt fix it either. So after 4-5 months of this I had no choice but to move out as it was completely unsafe to have my kids and family in. I broke the lease as they wouldnt fix the issues. I paid my rent on time every month regardless of the problems not being fixed and they had no concerns about fixing the issues. I went bye the house less than a week later to get my mail and someone else was already living there and they want to report on my credit report. And I didnt owe them any rent as I was not behind. What was I supposed to do stay in a unsafe house. I dont think so
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX