23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I believe that this charge off account is inaccurate because 1. The high balance reported by TransUnion is {$1200.00}, while XXXX reports {$0.00}, and XXXX reports {$1200.00}. 
2. The date of last verification is XX/XX/XXXX in TransUnion, but it is not reported in XXXX or XXXX. 
XXXX. The date of last activity is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date reported is XX/XX/XXXX by TransUnion, XX/XX/XXXX by XXXX, and XX/XX/XXXX by XXXX. 
XXXX. The date opened is XX/XX/XXXX according to TransUnion, but it is XX/XX/XXXX according to both XXXX and XXXX. 
XXXX. The balance owed is {$540.00} across all three bureaus, but the closed date is only reported by TransUnion as XX/XX/XXXX and not reported by XXXX or XXXX. 
XXXX. The account rating is reported as " Derogatory '' by all three bureaus. 
XXXX. The account description is reported as " XXXX '' by all three bureaus. 
XXXX. The dispute status is reported as " Account not disputed '' by all three bureaus. 
XXXX. The creditor remarks in TransUnion indicate that the account was charged off as bad debt and canceled by the credit grantor, while XXXX states that the account was closed due to inactivity with the unpaid balance reported as a loss by the credit grantor, and XXXX states that the account was charged off and closed by the credit grantor. 
XXXX. The payment amount is reported as {$0.00} by all three bureaus. 
XXXX. The last payment date is reported as XX/XX/XXXX by both TransUnion and XXXX, but as XX/XX/XXXX by XXXX. 
XXXX. The past due amount is {$540.00} across all three bureaus. 
XXXX. The credit limit is reported as {$1000.00} by both TransUnion and XXXX, but {$0.00} by XXXX. 
I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to unfreeze my credit report. I have attempted to contact them many times for the past day and a half and can not get a person to talk to or the correct prompt to help me. I have tried to unfreeze it online and have not been able to do resolve my issue. 
I requested my PIN and it does not work!!!!!! 

I am very frustrated with this process. They should have a customer service person available at all times. 

Please have someone call me.XXXX or XXXX thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management as well as XXXX continue to report a discharged account as an active collection account after a Chapter XXXX bankruptcy. The account has a XXXX balance due to discharge, and per bankruptcy law it is illegal to attempt to collect on any balance discharged in a bankruptcy. And therefore, if they are reporting it as an active collection account- this is illegal and they are in violation of bankruptcy law which is a civil offense. Attorney consult and possible litigation against both companies pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reporting agency removed an account off my credit report. The account is XXXX XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
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. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Experian violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XX/XX/XXXX ], erroneously reported my account was being " 30  days late '' in XX/XX/XXXX, even though I mailed  them a payment check. When I opened a dispute through the Experian website, Experian forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by Experian because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want Experian to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has a history that dates back to its founding in XXXX. Originally established as the XXXX XXXX XXXX by XXXX XXXX and XXXX XXXX, the company 's primary focus was to gather credit information and provide credit reports to local businesses and retailers. In that time of history I am aware that EQUIFAX had participated in massive privacy violations reporting information on consumers based on religion, XXXX XXXX, marital saturates and much more. Through the immense criticism and backlash that EQUIFAX has received threw out its history it was forced to change its name from XXXX to EQUIFAX deriving from the meaning EQUILITY and FACTUAL. EQUIFAX only came into existence in XXXX  and consumer reports have been around for centuries. EQUIFAX constant violations towards Federally Protected Consumers had caused The United States Congress to pass The Fair Credit Reporting Act aka FCRA demanding and regulating EQUIFAX to perform ALL DUTIES and RESPONSIBILITIES with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified EQUIFAX as an ELABORATE MECHANISM who has ASSUMED ( see 15 USC 1681 ( 2 ) ( 3 ) ) its role to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. EQUIFAX you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you need and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). EQUIFAX YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACG YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.
Product: Credit reporting or other personal consumer reports

XXXX continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with Equifax, they continue to say the card is mine and I am the owner. Equifax requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, XXXX reps refuse to offer the letter and still continue to make me responsible for this account, at XXXX point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.
Product: Debt collection

Portfolio Recovery llc continues to fail to validate this account. Ive asked numerous times to show me a contract with my signature and they fail to do so. The bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, this has not been submitted in error. 
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 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Account Name1 : XXXX  - Acct # XXXX Have violated my rights Account Name2 : XXXX XXXX - Account number : XXXX Have violated my rights Account Name3 : XXXX XXXX  - XXXX Acct # XXXX Have violated my rights Account Name4 : XXXX XXXX - Account # XXXX Have 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 : Also states a consumer reporting agency can not furnish 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,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

At some point, years ago I must have taken out a loan with XXXX XXXX XXXXXXXX Rosebud Lending, a XXXX XXXX who is now defunct and has been sued. They are predatory and the interest rate exceeds what is allowed by the state of MT. It has gone to two different collection agencies, the most recent the XXXX XXXX XXXX saying I owe well over XXXX. The creditor account number of the most recent is XXXX with XXXX number XXXX. They stated they collected for XXXX XXXX This company is no longer in business, it is an illegal loan. I want them to remove this from my credit report, stop the collections and close the account. The address they have is one I haven't lived at in over 8 years.
Product: Credit card

Approx 3 weeks ago I applied for a credit card increase on my account. Currently it's only at {$2000.00}. I was told that the last time I requested a increase was in XXXX. The back story is that I joined NFCU in XXXX and have direct deposit Navy XXXX XXXX, XXXX XXXX and VA XXXX pay with them. I'm retired Navy. I even have a business account with them. I have two loans that money is taken out monthly for my Jeep. I have over {$100000.00} in my savings account, My 3 FICO scores are all over XXXX. 

But yet I was declined. I don't see how they can justify the declined. Their reason stated Delinquent performance. What I don't understand is that I have it set up when if I have a bill that is due I authorized them to just take money from my savings account. When I talked to someone about my disappointment. I was told that NFCU is all about relationships. When if 45 years of being a member isn't considered a relastionship plus having my family members have accounts there as well. I'm feeling like I'm not getting a fair shake.
Product: Debt collection

This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. DEPTEDXXXX XXXX {$2500.00} XXXX XXXX {$380.00} XXXX XXXX  XXXX {$2900.00} XXXX XXXX {$22000.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX   XXXX {$87.00} XXXX XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX {$91.00} XXXX  XXXX {$730.00} XXXX XXXX {$710.00}
Product: Mortgage

Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score has been affected and constantly penalized by a false delinquent account that doesn't belong to me. It has been constantly reposted every 3 months since XXXX  it has been the only unfixable item affecting my credit score. I have tried to contact the company multiple times, but the only number I have never worked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Mortgage

Requested that XXXX payment be split as follows : {$150.00} Payment and $ {$590.00} to Additional Principal, for a total check amount of {$750.00}. 
Instead they put {$150.00} to Payment, {$10.00} to Late Payment from earlier month, and {$540.00} to Escrow Only payment based on XXXX total check amount of {$700.00}. 
Then they reported my credit to XXXX  and XXXX. They, in turn, reported to XXXX XXXX. The reports show the following : XXXX  reported a balance INCREASE of {$1300.00}. on XX/XX/2020, and XXXX reported a balance DECREASE of {$1300.00}. on XX/XX/2020. THEY ARE NOT CORRECT!!! 
I have filed formal complaint with XXXX  and also just filed a formal complaint with the XXXX XXXX. Spoke on the phone to a Tier 2 agent at mortgage company and sent them a fax. They said it would take 20 days to reallocate money to correct category and that they will NOT send a confirming email or letter. 
Not the first error from XXXX  or from the mortgage company.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I got a call that I was being served on a debt ( REFUSED TO TELL ME WHAT DEBT OR ANYTHING ABOUT IT ) or arrested if I refused to be served. I kept asking what they were calling about and all they would do is repeat the attorney 's name and that I did n't need to be so hostile. By hostile I mean asking what this was in regards to, asking why I have received no notifications of any debts owed via USPS, previous phone calls or why they are calling threatening legal action or jail for something that I have NO information on. I refused to verify my social security number because I have NO idea what this call was for or if even my debt. I requested all information in writing and was told I as too late since it 's already become a legal matter beyond their control!
Product: Debt collection

About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX  XXXX XXXX XXXX FL XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Mortgage

I have sent many pages of documents over the past few months and before that i signed agreement Wells Fargo sent me to sign off for him to represent me, after i did that Wells Fargo refused to work with me. 
He kept on telling me every was moving along fine. I never got any proof of that. 
33 pages were sent that i sent to him by fax. Several other pages of bank statements, IRS utility bills to show what i make and what i pay out. 
I find it hard to believe he did not send them but if he sent them Wells Fargo should have been working on them with XXXX and or with me? 

I ask Wells Fargo to give me to after the XXXX of the year and i will send them whatever they are missing. I lvm with several support specialist as i could not reach them. 
I will send {$1000.00} immediately and in another 2-3 send them  {$900.00} more. 
If refinancing is an option maybe that would work???