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

XX/XX/XXXX, XXXX est I'm trying to refi my mortgage. I am filling out the online app for XXXX XXXX  company. Their site uses a third party software called " XXXX XXXX '' that walks me through certain steps. ( sort of like a tax program ). I am nearly finished with the application and notice that my credit report has already been added and is viewable at the bottom of my form. I open the file and see a couple of things on my credit report that I have questions about. Just above my excellent credit score is  a phone number to Experian. I call that number. XXXX. An XXXX woman answers and asks me for my name, phone, address, city, state and zip. She asked me to say AND SPELL all of my information for her recording so she can be sure to keep my information " safe, '' and to send me to the next person to answer my questions. She then thanks me and says that the next person is the manager. She transfers me. He is also XXXX and very hard to understand. He confirms my information and says he's going to read the legal information to me so I know I'm protected and to please NOT interrupt him. He starts talking sooooo fast that I can not understand a word he is saying. He says, it's ok, he's going to send a followup email with this information. I ask when I can ask my questions -he says " in a moment, that because of safety, I need to give you a verification number right after I'm finished and when you say, verify, I'll answer. '' I started getting upset with him and asked him who he was. He did not answer. He said, verify -I wouldn't, so he did and immediately an ad is played where I am asked to purchase vitamins. He comes back on and I say, why would you play me an ad about vitamins when I have questions about my credit. He says because you might like them. I say NO, and ask him who he is working for. He hangs up with a chuckle at the end and says, call this number for your credit questions : XXXX. I did not call that number, I called my credit card company immediately and they had already flagged a charge. I'm very concerned that they have other information about me and not sure where to go next with this important information. My credit card company is going to send an ID theft kit. Also, just a reminder -This number is off of my refinance loan application credit report on XXXX XXXX XXXX application site. XXXX. People need to know this. Ive attached a screenshot. Thank you for any help you might offer.
Product: Debt collection

On XXXX XXXX, XXXX, I submitted a do not call request to Harris and Harris. On XXXX/XXXX/XXXX Harris and Harris acknowledged my request not to be contacted via the telephone and that they would send all communications through the US Postal Service. However, Harris and Harris continues to call my telephone number. Specifically, Harris and Harris contacted me on XXXX XXXX, XXXX, at XXXX and XXXX XXXX, XXXX, at XXXX in violation of 15 USC 1692c.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TD Finance continues to call for a XXXX XXXX that no longer has this phone number. I obtained this phone number several months ago. I have asked politely that this number be removed from their calling list as this individual no longer has this number. 
I have requested twice that TD Finance discontinue calling this number for XXXX XXXX. But I received another call on XX/XX/XXXX, XXXX XXXX, from TD Auto Finance : XXXX. 
I attempted to call but unable to obtain customer service because I am not a customer with this organization. I have twice requested they cease already. 
I feel I have been patient but now consider these calls annoying and harassing and for no reason because TD Finance refuses my request. They are calling an incorrect number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit card expired with XXXX XXXX and I re-applied on XX/XX/2023 and was denied. I received a letter on XX/XX/XXXX stating that my application contained unsatisfactory information or unverifed information and to contact Trans Union. I called Trans Union on XX/XX/XXXX and spoke to XXXX and she told me the only negative on my report was an XXXX as XXXX XXXX. Everything else was good. She told me to contact XXXX XXXX and tell them that the XXXX was removed. I spoke with XXXX and he told me to re-apply now and that everything should be apporved. I applied again and was denied. I called back on the XXXX number and was connected to XXXX who could not help me and suggested that I apply at the store. I told her no, I was not going to be embarrassed at the store. She was of no help. I take great pride in keeping my credit great. At this point I want this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). 

Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as Equifax, XXXX, and XXXX. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. 

Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. 

As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit card or prepaid card

AFTER REVIEWING MY RECORDS I NOTICED THAT ON XX/XX/09 MY XXXX XXXX   CREDIT CARD ENDING IN # XXXX WAS CHARGED BY THE XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00}. I DONT KNOW WHO THIS COMPANY IS OR HOW THEY GOT MY INFORMATION! AFTER I BROUGHT THIS MATTER TO THE CREDIT CARD COMPANYS ATTENTION THEY PRETTY MUCH BRUSHED ME OFF AND DIDNT WANT TO HELP ME! WHICH I AM SURE YOU CAN UNDERSTAND MADE ME VERY UPSET!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. Items listed above, 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 : It also states a consumer reporting agency can not furnish an 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 ( AN ( 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.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Remove Fraudulent Accounts Listed Below : - Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Type : Open, Account Type : Secured credit card, Date Opened : XXXX. XXXX, XXXX ( XXXXXXXX XXXX ), Balance : {$1600.00} - Account Name : XXXX XXXX XXXX XXXX KY Account Type : Charge off, Account Type : Deposit Related, Date Opened : XXXX. XXXX, XXXX ( XXXX XXXX ), Balance : {$110.00} Remove Fraudulent Inquiries listed below : - XXXX XXXX XXXX Automobile Dealers. Used, XX/XX/XXXX, Experian - XXXX XXXX XXXX XXXX XXXX. Used, XX/XX/XXXX, Experian - XXXXXXXX XXXX Auto Financing companies, XX/XX/XXXX, Experian - XXXX XXXX, Auto Financing companies, XX/XX/XXXX, Experian - XXXX, Personal Loans companies, XX/XX/XXXX, XXXX - XXXX XXXX, XXXX XXXX, XX/XX/XXXX, EXPERIAN - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX XXXX, Auto financing, XX/XX/XXXX, XXXX - XXXX XXXX VIA DEALER, Auto financing, XX/XX/XXXX, XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Debt collection

Sent a letter to NCA ( National Credit Adjusters ) with an attempt to pay off debt owed at 50 % off. Received a call from NCA on Monday XXXX informing me they were rejecting my offer. The female also informed me they were going to turn my account over to an attorney to be sued. I am aware of a big lawsuit levied against NCA in 2018 for these same practices. They are continuing to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had used Affirm to buy a stay at a hotel for the amount of {$420.00}. In XXXX that balance was paid off in full. In XXXX I received a notification that the account was delinquent and my credit score was affected by XXXX points. I disputed the score with evidence of the account being paid off and my dispute was declined by Affirm inc . I had previously also contacted Affirm about the issue and they refused to let me speak with anyone other than the customer service agent who refused to help me. I was told that there was no manager and all they could do was set up an email dispute. They never did. They said they did, it was a lie. They lied so that I wouldnt continue the dispute. Every time I call now they hang up on me. That account was paid in full. It was not delinquent. This has wrecked my credit score
Product: Mortgage

It is with a very heavy heart I am writing you this email. My husband is XXXX military and I work as a XXXX. A week prior to meeting my husband, in XXXX XXXX, I closed on my XXXX house in up-state XXXX. I then went on a blind-date with my ( now ) husband and he XXXX move to XXXX XXXX, XXXX shortly after. We made the move across country in XXXX XXXX and I chose to become a landlord as I thought I could successfully rent my property with help of a property manager. The XXXX property management team was able to secure a renter for two years. However, at the end of that two year period we found out that the property manager had been lying to us and stole money from us that he stated were for repairs. The tenant moved out and we changed property management companies. The next one was unfortunately not much better and she continues to " bully '' us when asked why she is not even listing our house on her own website. We listed the property for sale in XXXX XXXX and received XXXX different offers but the buyers could not secure their own loan. In XXXX XXXX my husband XXXX. I called Bank of America ( our lender ) and stated that I would not be able to pay the mortgage as we could not sustain XXXX separate households. Bank of America had me jump through the usual hoops by completing financial paperwork showing that we just could not afford the XXXX house. Bank of America requested for an appraisal which showed that I owed less than the house is worth so they would not approve a short sale. I then asked for a Deed in Lieu but was denied as we had not lived in the house in the last 18 months which is a requirement for Deed in Lieu. In XXXX XXXX, when my husband XX/XX/XXXX, I was told that I would need to wait for the foreclosure to proceed and that I was out of options. Despite my best efforts of continuously calling Bank of America and begging for some type of movement, regardless if it is a short sale, deed in lieu, or foreclosure, I have still have not received any assistance and continue to pay the utility bills for this vacant house. I have even gone so far as to reach out to the C.E.O. of Bank of America who reads my emails ( read receipt through Outlook ) but refuses to even reach out to me or give me guidance where to go. My husband has now XXXX moving us to XXXX XXXX, XXXX and although we continue to move about this house is still leaving us with quite the heavy burden. My husband and I already go through enough with military requirements and separations and this house is standing in our way from truly feeling free. Thank you so much for your time and I hope you respond as I feel terrified that we have run out of options. Please help my husband I get out from under this burden! 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 
ITEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bankruptcy XXXX  XXXX reference # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Td bank has been showing my Transactions and experiences. They have been doing so in a negative fashion since XXXX of 2018. They have been notified by my by every Avenue required by law and they still refuse to remove or put things into a positive. They have caused me pain and suffering, loss of jobs, dropped credit score, denial of residency, weight loss, increased insurance rates, loan denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Corelogic ran a credit check on behalf of XXXX XXXX mortgage reporting inaccurate information staging there were XXXX 30 day delinquent mortgage payments reporting from XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX XXXX. After further review, neither XXXX, XXXX, XXXX, or XXXX XXXX stated they ever reported or furnished this information on my credit profile. I am unable to open disputes with the bureau 's nor creditor for what they never reported. 
This information is costing my earnest money and appraisal on XXXX investment properties as the lender isn't willing to move forward due to this inaccurate negative reports. I contacted Corelogic who gave no true answer as to how they gained this information that's not accurate. The process to investigate and dispute information with Corelogic is 45 days, outside the legal limits of 30 days and no way to expedite the process due to the urgency of losing thousands of dollars along with the properties under contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL TO THIS COMPLIANT. 

I sent a letter on XX/XX/XXXX but no response from Transunion. I will send the letter from XX/XX/XXXX and a new dispute letter with dates XX/XX/XXXX. 


The following accounts are violation of my consumer rights and causing me pain an suffer to buy a home for my family! These accounts were remove by XXXX and XXXX due to violating my rights.. I'm expecting same results from Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX PLEASE SEE ATTACHED ALL NECESSARY DOUCMENTATION
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 Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I've made many previous attempts to fix these issues directly with them. They are violating my rights. I'm entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX a

nd they said my ac count was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. I reached out to the XXXX, XXXX, and Experian to inform the m of dispute and
inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All three bureaus  failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile.

P.S.

All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

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

Dear Sir/Madam, I am writing to formally dispute the accuracy of the two dismissed bankruptcies currently reported on my consumer report with reference numbers XXXX and XXXX. I request that Equifax provide me with the method of verification used to confirm the accuracy of these dismissals. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and receive a detailed explanation of how the verification was conducted. Specifically, I would like to know the exact procedures and sources that were used to verify these dismissed bankruptcies. Please send the proof of the method of verification to the following return address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and by email : XXXX I expect a prompt and thorough response to this request, as it is crucial for ensuring the accuracy and integrity of the information reported on my credit file. Thank you for your attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

I sent in a request to first ascertain whether or not first portfolio ventures have the right to collect a debt from a credit card I owe money to called indigo credit card. I sent them a debt validation letter in XX/XX/2021 by certified mail and I never heard back from them. The debt was for about {$960.00} and I intentionally contacted them with a debt validation letter to which they did not respond to within 30 days. Because they didn't do this I sent them another letter stating that they had no right to collect on the debt based on the fdcpa laws and left it at that. For some reason they keep attempting to contact me to collect the debt. The debt should have already been eliminated and if they try to report it to my credit heroes that would be illegal. I am concerned that they will do that because it was mentioned briefly during an argument with one of the debt collector agents. I have also already asked them to cease and desist in writing and they did not respond back. The certified mail # is XXXX and the debt validation follow-up was delivered on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for insurance and was denied. I then got an email stating that I have 4 accidents which aren't mine. I've been through this before with LexisNexis and now again. My son has the same name and was living at my address. The company failed to match the accident with the drivers license number. For companies to rely on data from LexisNexis they should be way more careful on how they report their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$380.00} XXXX  XXXX Balance Owed : {$380.00}