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

On my credit report I have a company name FEB/DESTINY, XXXX XXXX XXXX, XXXX, Oregon, that is unknown to me, and it's stating a " Hard Inquiry '' on my credit report. Back in XX/XX/, I was thinking about getting a credit card. But after I read that they require me to pay so much money for it, so I didn't apply for it. I never did the application nor did I ever receive a credit card from them. When I called the phone number listed on my credit report which was ( XXXX ) XXXX, and it was a none working number! Which made me think that this was some kind of SCAM or something! Because I never applied nor did I give anyone permission to use anything about me. But now, it is on my credit report as a Hard Inquiry making my credit report look bad. I think that this is very dirty for companies to try and mess up your credit for NOT being a customer with them!
Product: Credit reporting or other personal consumer reports

I recieved a response back from experian on complaint case # XXXX. Experian has reprted they updated the information. It shows they did not update anything. The info on my reprt is still showing 30 days late on both XXXX and XX/XX/year>. I have showed my bank statements proving my payment was made on time on both months. I am resubmitting my proof of ontime payment again showing both months paid on time. I made my XXXX payment on XX/XX/year> see bank statement. I made my other payment on time on XX/XX/year>. See bank statement provided. 

I have shown good faith in numerously showing proof and asking to change my status to on time payments on my report. This has caused me great grief financialy for my family.
Product: Mortgage

This is my second complaint regarding XXXX. The first one was closed out as they responded, however, this remains on-going as they have not RESOVED the matter. I have been attempting to remodify my loan since XXXX 2021. In the early part of the year I was told a number of times I needed to sign a Power of Attorney. This was clearly untrue as I am of sound mind. Eventually this was resolved and I was sent a second set of documents. On XX/XX/XXXX I spoke to a woman named XXXX on the phone. She stated that the last two times paperwork had been sent to me that they had not received Partial Claim/Promissary Note paperwork back, indicating this was the issue. I informed her that this document had never been sent to me and I had copies of all the documents as proof. I informed her that I had every intention of signing this paperwork, wanted it immediately, as I have wanted this resolved since XXXX, 2021. On XX/XX/XXXX she stated new paperwork was being sent out. OnXX/XX/21I still had not received this paperwork and spoke to someone name " T ''. He informed me that the paperwork had again not been ordered or sent. He claimed it would be sent that day. At that time I requested to speak to a supervisor. I spoke to XXXX XXXX who told me he would now be my " case manager, '' and would be handling the resolution of my case. He emailed me and told me I could email him anytime to check the status of my case. XXXX XXXX stopped responding to my emailed after I contacted him twice. Please take note that the customer service reps do not provide their full names and it is impossible to speak to the same person twice. I have contacted customer service through the email portal on loan care and receive a ticket and no follow up is given. I find it difficult to believe your bank is unaware of their poor service as after investigating this, there are reports of this all over the internet. I have included the second and last email response on XX/XX/XXXX, from XXXX below. I was told by XXXX that a mobile notary would be coming to my home with paperwork on XX/XX/21. When I called over a week later, it had not even been sent out until XX/XX/21. I received a call yesterday telling me the paperwork was sent out and asking if I was going to be sending it back. I informed the rep. I did not receive the paperwork! She confirmed the notation regarding the notary and was uncertain if it had actually had been sent out to them yet and said it had to be escalated, yet again, which would take 3-5 days, AGAIN! Nobody ever has an answer, including so called supervisors. As a reminder, this has been on-going since XXXX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification today, XX/XX/XXXX, from XXXX   that Chase pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX Chase FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with Chase and a letter from Chase verifying it was fraudulent. I have attached my complaint letter directly to Chase telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). Chase did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached. ) This account has been paid and should not be reporting. I have attached a copy of the payment letter from XXXX dated XXXX proving this account has no balance due. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Method of Verification Letter was sent and received by Experian on XX/XX/22. In my letter, I sent Experian a notice received from The Bankruptcy Clerk certifying that they " Do not report filings to credit agencies ''. This letter is attached to this complaint. Experian has on several on occasions admitted that even though the courts do not report bankruptcy records, CRA 's may use " Data Furnishers '' to obtain such information from PACER. In this case, the data furnisher is XXXX XXXX. I have obtained an updated consumer report from XXXX XXXX which clearly shows no bankruptcy record on file ( Please see full report attached ). According to XXXX XXXX, Experian could be using unverified and incomplete data from PACER to update and verify this record. However, PACER is a contestable database which does not qualify as a source to " Verify the Accuracy and Completeness '' of a record. In it's final results of my last investigation, Experian has stated that the company providing the information to them has certified the accuracy of this record. The dispute number is XXXX. Experian has not provided me the name and address of the company it claims has certified this record 's completeness and accuracy and therefore has violated FCRA 611 ( a ) ( 7 ) and FCRA 611 ( a ) ( 2 ) ( B ). Experian continues to report this unverified record on my consumer report causing financial damages. I am demanding the removal this record from my consumer report immediately. All personal identification information was sent in this dispute, therefore this can not be used as deterrence tactic. Experian is clearly refusing to obey federals requirements as it relates to disputes, and violating several laws.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA 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 XXXXXXXX XXXX XXXX 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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 conviction of crimes which antedates the report by more than XXXX years. 

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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person reporting agency if the person knows or has no reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I have submitted more than XXXX disputes for these accounts with no resolution to date. The latest XXXX being dated XX/XX/XXXX. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 and 12 CFR 1022.24 - Reasonable opportunity to opt out. Reasonable opportunity to opt out because I was never notified that my nonpublic personal information was going to be shared to nonaffiliated third parties. In addition, per all contracts that are currently held have this statement, XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Several other violations are occurring because of the information listed on my consumer report. As you can see in the attachment of the XXXX credit agencies, must comply with, XXXX. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 6801 - Protection of nonpublic personal information, [ 15 U.S.C. 1681s-2 ], 607. Compliance procedures [ 15 U.S.C. 1681e ], 15 U.S. Code 1681e - Compliance procedures, 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2, Opt-Out Requirement ( 15 U.S. Code 6802 ( b ) ( 1 ) ), 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 16 CFR 313Privacy of Consumer Financial Information and 313.7 Form of opt out notice to consumers ; opt out methods, the model privacy form was not presented nor made in clear and conspicuous manner, 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, all contracts have this statement on them so it applies to them, and the Privacy act of XXXX. The accounts across them are not accurate. Thank you in advance for deleting these accounts or be liable under, 15 U.S. Code 1681n - Civil liability for willful noncompliance and or, 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].
Product: Credit reporting or other personal consumer reports

My name in XXXX shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in Experian shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in XXXX shoes as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My correct name should be as : XXXX XXXX XXXX XXXX
Product: Mortgage

The current holder of my Mortgage, Freedom Mortgage Company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX has failed to pay my Taxes out of the escrow account for the past 3years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had an incorrect TAX ID entered for my property and have been using my money to pay the TAX bill on a different property. XXXX county and the City of XXXX received this over payment and returned it to Freedom mortgage company, who now have no record of the returned payment. In XX/XX/XXXX I received notice of failure to pay XX/XX/XXXX property taxes from the city of XXXX. Upon calling the City of XXXX I found that they had not received payment for XX/XX/XXXX and XX/XX/XXXX and these tax leans had been sold of to a third party lean holder, XXXX XXXX. If XX/XX/XXXX taxes were not payed by XX/XX/XXXX they to would be sold off to the same lean holder. I called Freedom mortgage company In XXXX where they discovered the issue was their fault and they would get it fixed in 7 days. 30days after that call they still could not provide me with an update on the back taxes and the payment of XX/XX/XXXX 's taxes which were now due in 5days. I then paid the XX/XX/XXXX taxes and fees out of my pocket so that these would not be sold off again. I have called on a weekly basis since then, no one from management has ever called me back and the only people that can provide updates on the status are the TAX Department and the Escrow Department however you are not allowed to speak with them directly. On XX/XX/XXXX I sent to Freedom Mortgage company the payoff amount required by XXXX XXXX for the XX/XX/XXXX and XX/XX/XXXX tax Bills amounting to XXXX to release the Lean. I also sent the receipts for my personal payment of the XX/XX/XXXX taxes and fees amounting to XXXX. Every time that I call in they tell me that a resolution will be provided in 2 week ... At then end of may a note was placed on my account that payment was sent to XXXX county for XXXX dollars and I was called stating a refund was being sent out to me. XXXX county is not owed any money.and no one ever called me. They can not tell me exactly where or who they directed the XXXX county payment or its current status. They also do not show any payments being sent to me. Every 2weeks I call in and get a new Customer service person on the phone, restate my case, correct the miss information, resend receipts and am Told this has been escalated and I will receive a call in 7 days. There is never a call and the process repeats upon me calling in.
Product: Credit reporting or other personal consumer reports

I have sent two requests via certified mail disputing and asking for a proper investigation of the inaccurate reporting of theXX/XX/XXXXtrade line on my credit report and have provided a letter directly from XXXX stating that the information you're reporting is inaccurate. This account is not a charged off account., You have not conducted a valid and proper investigation to resolve the matter, and you are now listing the current status as a " charge off '' in your status field of the report and refusing to correct the inaccurate information currently in dispute.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
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 XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Amount stolen {$110.00} I attempted to pay off a debt that is reporting to the 3 credit bureaus under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit report " KOHLSXXXX '' ran XXXX hard inquiries on my credit report on XXXX, XXXX, and XXXX. I HAD a Kohls credit card and I always paid it on time, but they closed my credit card account, because my credit score dropped. I NEVER REAPPLIED for a Kohls Credit card. I am begging you to please remove the XXXX hard inquiries from ALL of my credit reports, because it is causing a negative impact on my credit report. 

The XXXX HARD INQUIRIES HAVE were all ran within XXXX weeks from each other. How is that even possible? PLEASE ****validate that this debt belongs to me and please also show me the original contract**** On XXXX I called the Kohls phone number listed on the XXXX website ( XXXX ) XXXX to dispute the XXXX hard INQUIRIES and I spoke with XXXX ( XXXX works at the credit department at kohls ) XXXX advise XXXX to call this number XXXX to dispute the hard inquiries. 

I called the number XXXX advise XXXX and it is the XXXX phone number. I was not able to speak to a customer service associate. 

I called the KOHLSXXXX number again ( XXXX ) XXXX and I spoke to XXXX XXXX number " XXXX. '' I spoke to XXXX and he advise my acount has been inactive XXXX advise he couldnt pull up any information regarding my credit being ran to open a Kohls credit card. ( I provided him with my social security number, name, phone number ) XXXX XXXX to call Kohls charge to get the best resolution XXXX. XXXX. XXXX. 


I called XXXX. XXXX. XXXX and I spoke with XXXX number XXXX. XXXX was very dismissive and rude and told me I needed the FRAUD DEPARTMENT and transferred my call before I could ask a question. 

XXXX transferred my call and I spoke with XXXX XXXX XXXX and he advise he would have someone contact me, because he said my credit was never ran those dates and he didn't see that in his system. 

I have provided you with screenshots of the calls I made to the Kohls XXXX number. The screenshots also show the hard inquries on my credit report from XXXX. A lot of these agents were rude and some of them hung up on me, when I asked them for there name. I believe the Kohls XXXX number has employees out of the country in XXXX, because the majority of the Representatives didnt speak XXXX well and there was a HUGE LANGUAGE BARRIER. 

. Pleasw contact me if you have any questions or concerns. 

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

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX 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: Debt collection

In XX/XX/2018 a collections showed up on credit report saying I owed XXXX in the amount of {$140.00} at an address in XXXX, Michigan which I have never been or lived. I immediately filed a theft report with this company and also a police report. After about 3 weeks this was removed from my credit report. I thought all was fixed until XX/XX/XXXX a collections company called I C Systems ( XXXX ) XXXX showed on my credit report for the same account with XXXX XXXX XXXX ) XXXX fraud dept ) ( XXXX ) XXXX for the amount of {$140.00} with reference number XXXX. I have called all numbers that are possible and no one willing to help. So basically XXXX has swept this under the rug and decided a few months later to try and collect again very bad business.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Midland Credit Management regarding XXXX critical issues : the violation of the Gramm-Leach-Bliley Act and the reporting of inaccurate late payments on my account. Midland Credit Management failed to provide the required notice before disclosing my personal information to consumer reporting agencies and did not offer me the opportunity to opt out of such disclosures as required by 15 U.S. Code 6802. Additionally, late payments have been inaccurately reported on my account, negatively impacting my credit history. Despite my request for a thorough review and correction of these issues, I have not received any response or corrective action from Midland Credit Management.
Product: Credit card

I had XXXX Capitol one credit cards, as you can see if made reg payments on both, I became unemployed and I noticed that I saw charges on both I never made. I tried disputing them with the credit card holder. My account was sent to XXXX and then to XXXX XXXX XXXX, I tried explaining what happened and the attorney for XXXX XXXX would n't let me explain, hence I have something filed at the court house in XXXX county, NC. I am trying to fish my credit, but hard to get anyone to follow through. Can you help. Me