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

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX  XXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WHITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOWS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USD 1681 THE ACCOUNTS BELOW HACE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYU CAN NOT FURNISH A ACCOUNT WHITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY XXXX MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( a ) 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 DELETE THE ACCOUNT BELOW : DISCOVER FINANCIAL SER XX/XX/XXXX XACTUS - AVANTUS XX/XX/XXXX CERTIFIED CREDIT REPOR XX/XX/XXXX XXXX XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was in complete shock when I discovered inaccurate accounts on my credit report. These accounts have been dragging down my credit score, and I cant believe how much damage theyve caused.
Product: Credit reporting or other personal consumer reports

As part of a social security data breach, I went to check on my credit record with Experian via the free annual report, which I was able to log on to without a problem. 
From there, I could see the basics of my Experian account, which included a name similar to mine but not mine. I clicked the " dispute '' button in that section to try to correct that, and after more than an hour on a phone tree and various websites, I learned that someone had taken over my account, and it was now associated with someone else 's email and phone number. 
As the only way to verify or reset password or get access is by using those XXXX things, I can not correct the issue myself. 
There is no option to speak to a human at Experian.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ( 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: Mortgage

I was given the 80/20 mortgage by Wells Fargo Bank mortgage representative in XX/XX/2006. I did not asked for this type of mortgage. The mortgage representative gave me this type mortgage when I applied for it. Since then, I have tried numerous times to either modify or refinance my house, Wells Fargo has not been willing to help me. 
Now, I am at point, I am scared of loosing my house. 
I believe Wells Fargo is not willing to even modify my loan, mainly because they want to continue milking underprivileged consumers like me, as usual with the high interest rate.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information on my credit report and refuses to update the information that is now being reported on my Credit Report. As a result Equifax has also reported and refuses to update my correct and current Credit Score. My credit report has not changed and has not been accurately updated since XX/XX/2019. My Credit Score Score today XX/XX/2019 is still the same as it was on XX/XX/2019 even though I have two new creditors now reporting on my credit report. I have no debt to Credit Card Creditors as I have paid off all of my credit card balances. I called and was transferred to 9 different Representatives today while attempting to correct the information on my Credit Report. When I called to speak to an Equifax Representative  each time they all said that they could not help me and transferred me to various other departments. All of those representative attempted to blame me and said that I only have an myEquifax account not a paid service and that I can only see a my credit report two times a year for free. All of the Equifax Representatives refused to provide me with my current credit score stating that they needed to transfer me to another department. They all said that I have to pay to see my Credit Report with my accurate score and information and that they could not help me and transferred me to another person, hung up me or gave me another number to call! This is not acceptable as I am being verbally abused and harassed by the staff at Equifax while they continue to  provide false and inaccurate information on my Credit Report. Equifax staff are also refusing to correct the information on my credit report and refuse to provide me with my current credit score.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received medical attention. I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting

Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.
Product: Debt collection

The company stated in last response to complaint of how to take care of this debt and how to get it off my credit report. Everything that company required me to do, I did, to have it item removed. However, ARS continues to deny communications from me. They continue to give me the runaround when it involves answers based on what I have to do and if they have received it. 
ARS stated in their response to my earlier complaint that the debt could be removed if i was able to show insurance coverage at the time the original debt was undertaken.

It should be noted that my claim all along has been that this is not my debt and I do not know who created this debt. In. No way should the action of me submitting my insurance information be taken as an admission or Acceptance of said debt.

After I received ARSs response and instructions I sent them the required information theee times. ARS refuses to respond to my emails. They have said nothing pertaining to receipts of r these emails. On phone calls thru tell many XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, all charge-off accounts from XXXX 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 an account without my written instructions. I did not authorize anyone employed by these companies to open any accounts. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

I need these accounts removed from my credit report immediately : XXXX XXXX / Opened XX/XX/2023 / Original Balance of {$1500.00} XXXX  XXXX / Opened XX/XX/2023 / Original Balance of {$4600.00}
Product: Credit reporting or other personal consumer reports

Incorrect late payments on my report need fixing to represent my payment behavior accurately.
Product: Debt collection

Every day sometimes twice a day..Randolph Brooks Federal Credit Union..is leaving voice mails to call them back..I have blocked them on my phone but they still get through and leave a message..they are harassing me..Please get.them to stop or I will have to change my phone number..Thank you!
Product: Credit card or prepaid card

During XXXX and XXXX, I went through a debt relief company to resolve several credit cards. XXXX of those was the Security Service Federal Credit Union ( XXXX ) credit card. The last payment was made on XXXX XX/XX/XXXX, yet XXXX did not update the credit report as required. I requested XXXX made the correction, they refused. So, I went through the debt relief company 's lawyer, and XXXX finally updated the credit report. However, they refused to make a complete correction to the report. They updated the status ; and removed the overdue balance and past due amount. However, they refused to correct the derogatory payment history to reflect the accurate history. I requested XXXX to finish this correction, XXXX refused to do so. 
This is despite the fact that the last payment was made of XXXX XX/XX/XXXX, the payment history still reflects the derogatory comment of " XXXX XXXX ( CO ) '' from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a certified letter to Equifax on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.  If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie EXXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.
Product: Mortgage

On Monday, XXXX XXXX, 2015, I am scheduled to complete the closing sale of my home in XXXX, Florida. As such during XXXX 2015, I contacted Ocwen Loan Servicing , LLC at their website to find out what the PAYOFF amount on the mortgage was going to be. Ocwen Loan Servicing , LLC subsequently sent me by mail the necessary written documentation dated XXXX XXXX, 2015, under PAYOFF QUOTE VALID THROUGH XXXX/XXXX/2015, which tabulates the Total Amount Due, to be : {$170000.00}. This is broken down as such : Principal, {$170000.00} ; Interest, {$2700.00} ; Satisfaction Cost, {$10.00} and Late Charges, {$130.00}, for a grand Total Amount Due of {$170000.00}. ( Such documentation was faxed over by me to XXXX XXXX XXXX, XXXX ). However, on XXXX XXXX, 2015, I contacted Ocwen by telephone, primarily to confirm the real estate county tax payment due on the closing date of XX/XX/XXXX and, which XXXX XXXX, XXXX had told me was supposed to be {$2400.00} and which Ocwen had quoted them. The Ocwen agent, by the name of " XXXX '', then quoted me a PayOff amount totaling {$170000.00} which I immediately disputed pursuant to the written quote which Ocwen had submitted & which I re-iterated to him ; and he also informed me that the real estate tax amount due was {$2700.00}, which again I disputed pursuant to their initial quote to XXXX XXXX, XXXX. Immediately after completing my phone conversation with that agent at Ocwen, I received a telephone call from the Closing Agent at XXXX XXXX, XXXX, who told me that she had just been notified by Ocwen, that the PayOff amount due Ocwen had increased to {$170000.00}, while the real estate taxes which I needed to pay off by Certified check at closing had been increased based upon Ocwen to {$2900.00}. However, the real estate taxes have always been in escrow with Ocwen ( the documentation for such was also submitted to XXXX XXXX, XXXX, as I had received it by mail from Ocwen as well ), but which they will not pay to the county until XX/XX/2015, and which now requires that I myself pay it at closing according to XXXX XXXX, XXXX and confirmed by Ocwen. I have had a series of disputes with Ocwen due to the high interest rate of 7.94 % bearing on the mortgage and which I attempted to have lowered via mediation by the Consumer Financial Portection Bureau, but for which I was always unsuccessful thereby creating the circumstance which causes me to sell the home ( at a very signifcant loss to boot ). It is totally unnecessary, vexing and practically fraudulent by Ocwen at this point to have increased the Total PayOff amount as well as the total real estate tax liability which I am afraid I will not be able to recoup from Ocwen.
Product: Debt collection

In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.
Product: Credit card or prepaid card

My XXXX credit card was closed. When I called to speak with someone about my account being closed the representative read a letter that was sent stating the reason why the card was closed. The reasons listed were Iack of mortgage payment, an account in collections and amount owed on my credit cards were too high and there was a POSSIBILITY that I would be unable to pay. The one item that is on my credit report is a cable bill that I do not owe and will never pay for {$240.00}. I have 18 credit cards which most have a zero balance the few that dont are paid off every month and the remainder I pay more than the required payment. I have never been late paying XXXX and since the pandemic Ive been one of the more fortunate and I actually make more that what I did before COVID. I am a XXXX XXXX whos worked on the frontline of this pandemic the entire time and Ive went from making {$40.00} an hour to making {$120.00} an hour. I was told that I could reapply but I am currently in the process of purchasing a home and its not worth it to open a new line of credit. I just think they should have went about this a different way because now my credit score has dropped all because of a make believe POSSIBILITY!
Product: Credit reporting or other personal consumer reports

I advised the company that I wanted to opt out per my rights. I demand they to remove the transaction history. and update the account to paid as agreed. I asked for the bank this loan was assigned to to audit the account due to possible securities fraud.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX made on XX/XX/2023 in the amount of {$250.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.