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

XX/XX/XXXX I sent Equifax a letter as a rebuttal to the inaccuracies on my credit report in reference to the XXXX XXXX Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. Equifax told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to XXXX XXXX to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return XXXX XXXX denied my request to opt out, but they did include the printout of my account. As I previously disputed with Equifax to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made Payment reported on credit report in XXXX XXXX  was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 

Past Due amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus Innovois Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Innovis also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy Innovis accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Transunion Credit Bureau is required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Statebridge debt correct has hit my credit an droped it saying i was 30 days late on a payment i tryed to reach them for monthe no answer to emails calls or call backs to take my payment tryed to pay on line and saids we didnt have your info so i reach out to XXXX  to get them to contact me still no calls got plent of paper trails where they tryed also to reach out to them. Finally got a call back an was told sir im not here ro fix ur mistakes and no you can not talk to my boss, so i need this credit issue fix cause they finally took my pyments after yelling am cussing an they hit me again
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to purchase the latest XXXX, which was about to be released. I decided to use XXXX XXXX, underwritten in the XXXX by XXXX XXXX XXXX. I submitted the online application but was rejected due to a credit check conducted by Experian. This was surprising, as my credit score is excellent, with no negative factors. Additionally, my annual income exceeds {$220000.00}, so there should not have been any issues with my credit application. 

I raised this issue with XXXX, who confirmed they could not identify any problems. However, the application process is assessed automatically, leaving no manual option to override what they suspected was a technical error. Following this, I contacted Experian and was initially informed of XXXX potential issues : XXXX. My new address, updated in XX/XX/XXXX, had not been reflected in their database. 
XXXX. I had not re-registered to vote at my new address. 

I promptly addressed the voter registration issue, which now appears correctly on my credit report. However, I encountered difficulties updating my address on Experians system, which inexplicably did not allow me to make the necessary changes. 

This marked the beginning of a frustrating four-month journey in which Experian has been attempting to resolve an issue with my credit report. While I was eventually informed that the address issue had been corrected ( as my updated details are now visible to me ), my report remains inaccessible to external organizations. This has prevented me from applying for any services that require an Experian credit check. 

I have spent countless hours on the phone, written numerous emails ( which I am happy to share ), and escalated the matter through Experians complaints team and even their XXXX, XXXX XXXX. Although I eventually received acknowledgment that my emails were being received by his office, no meaningful support has been provided. 

I do not feel that my concerns, which have caused significant stress and frustration, are being taken seriously. As such, I am seeking your assistance in resolving this issue. Given that Experian is a global company headquartered in the US, I hope you can provide support or guidance on how to proceed. 

I have attached the email sent by Experian on XX/XX/XXXX, which outlines the identified issues. While the information on my report is now visible to me, it remains inaccessible to external organizations. As a result, I am still unable to secure any credit, despite having an excellent credit score and a substantial income. 

To date, I have been offered compensation of XXXX which is both insulting and upsetting. 

I would greatly appreciate your intervention in this matter and look forward to your response.
Product: Debt collection

I moved from my house to another last year. Called and canceled services and paid the last month of service. I was unaware I was supposed to go to their store to drop off modem and router, we still have both. After checking my credit I found that XXXX XXXX has hired a company called Credit Management. Credit Management says that I owe them {$400.00}. They are saying that I owe two months of service along with 4 pieces of equipment, 2 routers and 2 modems, I explained that it doesn't even make any since why I would have 2 modems and 2 routers for the same house, and that I only have the one set. They told me that it's what charter says I owe and I can either pay it or not, up to me. This is what they told me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2014 Bank of America falsely reported my address and other information to the credit reporting agencies. I have shown the bank that it was and remains a victim of mail fraud and identity theft. The bank has, since those fraud incidents and their subsequent false credit agency reports, become a victim of forgery perpetrated by the same entity. Bank of America refuses to correct the false report and is now complicit in the ongoing fraud and continues to conspire with the perpetrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I login to my XXXX credit rep. account. 
There was a negative Remark about me " DISPUTE RESOLVED. 
CONSUMER DISAGREES ''. 

( from the history between me and XXXX. In XXXX I won a Bankruptcy XXXX XXXX to stop foreclosure at XXXX Bankruptcy XXXX in Washington D.C. XXXX XXXX. 
I won my home and Wells Fargo Lost and backed off.Such was an Order. 
If Someone at Wells Fargo did not know what was it about, so here you have it. 
It was not a dispute. 
It was " WAR '' a FULL BLOWN FIGHT with WELLSFARGO. 
And I won. 
If you dare to write - put as it was Was : I WON and YOU LOST! 

But I want you not to post any such remarks to my Credit report, XXXX On XXXX there was an INQUIRY made on my credit report, Someone at Wells Fargo Home Mortgage inquired about me at my XXXX Credit Report. 
See attached copy. 

I did not do any business with ANY WELLSFARGO since XXXX since I filed a XXXX XXXX  Bankruptcy to Stop Foreclosure. 
My lawer told me to never ever come back to WELLS FARGO again for anything. 

SO I dont know -- I dont know who did this inquiry- not me. 
I did not file for Loan with WFHM, nor did I wanted to return to the XXXX at Wells Fargo. 

I called on XXXX to XXXX. I spoke with XXXX agent, and reported him about wrongdoings by WFHM, and that someone from WFHM posted negative Remarks about me and WAR between me and WFHM which was in a form of the XXXX XXXX Bankruptcy to Stop Foreclosure during RECESSION of XXXX. 
Remember? 
Recession? 

ANd today I checked my XXXX Report, hard copy. 
The report says that someone on XXXX made a hard inquiry on my XXXX Credit Report, from WFHM.

It was with Company by name " XXXX XXXX '', XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. 
Telephone number : XXXX. 
I called this number. 
XXXX XXXX explained to me, that it was Wells Fargo Home Mortgage who pulled my credit for Mortgage loan... 
I did not allow anybody from Wells Fargo Home Mortgage to pull credit report about me. 
Me and Wells Fargo had bad blood between us, and it was BK XXXX XXXX in Recession time. 
I won. 
You lost. 
And I did not apply to th WFHM in order to avoid you and not to harass you and it was useless. 
XXXX XXXX gave me # XXXX, to call to Iowa, and I did call. I spoke with XXXX XXXX. 
XXXX XXXX advised me to write a letter to WFHM, and request in writing WFHM to remove hard inquiry dated XXXX. I did not apply for the loan with WFHM. 
YOu know the story : XXXX XXXX BK, to stop foreclosure and to restructure my Loan from 12 % ( XXXX XXXX ) of Mortgage on {$640.00} XXXX to 6 % on {$510.00}. 

Thus, I dont know who did pulled this Credit Inquiry. 
In addition, I did not receive no letter about this, no nothing. 

I request Wells Fargo Home Mortgage to REMOVE this Hard Inquiry from my Credit Reports. 
I request that WFHM will never post any negative remarks about me. 
Or I will report this to My Attorney XXXX XXXX XXXX. and to US Bankruptcy XXXX XXXX thru my attorney in D.C.
Product: Mortgage

I am requesting that I can choose a local appraiser or local real estate agent to complete a new appraisal or estimate on my property value, as I am trying to get the PMI on my mortgage removed. XXXX is not allowing me to speak with anyone associated with the PMI department at my lender, Nations Lending. 

I want to remove a deduction on my mortgage of Private Mortgage Insurance ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. I was told by a realtor that there is some law enacted by President Obama that allows a bank to choose an out of area appraiser to appraise my home for value by using comparisons on MLS. I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. 1. I want to know : Is this a Federal law governing home loans? 2. I want to know if I can legally request that a local appraiser or real estate agent to get home value 3. I want to know why I can not talk to PMI department at my lender. 

Here is my information : Loan # XXXX, Phone : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$84000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$2800.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Product: Money transfer, virtual currency, or money service

My account was closed on some unforseen circumstances. I received a check for doing a job and they sent me a check in the amount between $ XXXX {$4000.00} my account was suddenly closed after the check was deposited into my account. I never received any explanation as why my account was closed which really concerns me. Nothing more informative as to why it was closed.
Product: Credit reporting or other personal consumer reports

As I looked over my report on XX/XX/year>, I noticed that some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because XXXX ) XXXX XXXX XXXX ; acct-XXXX  /original creditor : XXXX showing a balance of {$430.00} and is in collection XXXX ) XXXX XXXX XXXX ; XXXX original creditor : XXXX showing a balance of {$51.00} past due and is collection These two accounts are reporting inaccurate and have reported against my consumer rights according to 15usc 6802 ( b ) The consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I would like these two accounts to be removed from my credit report. 

I also have 3 other accounts reporting against my consumer rights according to section 15usc 1681 ( A ) ( i ) ( 2 ) Congress said accept as provided in paragraph XXXX the term consumer report DOES NOT include report containing information solely as the transactions or experiences. 
Transactions should be excluded and the reporting of any late payments are illegal. 

XXXX ) XXXX XXXX XXXX acctXXXX XXXX ) XXXX  XXXX : XXXX /date opened XXXX XXXX XXXX ) XXXX XXXX XXXX : acct-XXXX The accounts listed above all have payment history reporting which is " transactions '' and I ask that the payment history be removed.
Product: Credit reporting

Yes I apply for a security freeze to be place on my credit file to LexusNexis, and it was place successful with no problem. So my husband was told to place a security freeze on his reports as well. Ok I receive my pin and all. I receive a call on today, that Lexusnexis remive my security freeze wuthout premission. I was told it was issue in error. I been a victim of someone keep applying for credit in my name. Also I have a relative with the same name and her credit is also been added to my file.
Product: Debt collection

I am writing this letter to formally dispute the validity of the debt being reported by your agency and to request immediate validation of the debt, as well as correction of inaccurate credit reporting to the credit bureaus. 

Account Information : LVNV Funding LLC Account Number : XXXX Date of Last Activity : XX/XX/2024 Amount in Dispute : {$2600.00} I have recently obtained a copy of my credit report, which revealed the presence of an account allegedly being collected by your agency. Upon careful review and analysis of the information provided, I have reason to believe that there are inaccuracies in the reporting of this debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation of this debt. I kindly request that your agency provide me with the following information : 1. Verification of the debt amount claimed, including a detailed breakdown of any interest, fees, or charges applied.

2. Copies of all documents proving that I am indeed responsible for this debt, such as the signed agreement or contract with the original creditor.

3. Verification that your agency is legally authorized to collect this debt on behalf of the original creditor. 
I expect your agency to conduct a thorough investigation into the disputed debt and promptly provide me with the requested validation within 30 days of receiving this letter. If your agency fails to validate the debt or correct the inaccurate reporting within the specified timeframe, I will have no choice but to exercise my rights under the FDCPA and FCRA and pursue all available legal remedies to protect my interests. 
Please communicate with me in writing only and provide all correspondence related to this matter via certified mail with a return receipt requested. This will ensure a documented record of our communication.
Product: Debt collection

This company has reported an alleged account on my credit profiles. I have requested debt validation of this account directly to this company and through the credit bureaus. However, I have yet to receive the information I requested from this company. The negative item placed on my credit reports is hindering my credit profile and preventing me from obtaining certain financial products that I am in need of.
Product: Debt collection

I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?
Product: Credit card or prepaid card

XX/XX/2020 at XXXX XXXX PST, Twice I tried to speak to a rep at XXXX for statement requests that I also emailed about earlier this month for beneficiary to get housing application completed. When I chose option 4 response : " max # attempt '' and phone hung up. 

Please see email attached from XX/XX/2020 in which XXXX XXXX explains I need to call them at above number to request statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

EDFINANCIAL XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX {$840.00}
Product: Credit card

In regards to  XXXX , In addition to the CFPB grievance I had filed, I disputed my entire last payment on my credit card ( sometime in  XXXX   XXXX   ). I  had contacted  XXXX  in regards to Capital One potentially not following their side of the Consumer Agreement ( or similar agreement governing my relationship to Capital One and/or use of the Capital One card that I had been assigned ). After much deliberation,  XXXX  determined that I was not required to submit payment to Capital One since Capita l One had viola ted certain terms in its Cardholder Agreement ( or similar document ). After a while, I had attempted to login to my Capital One account where I was informed that I had an outstanding balance of the amount that I had disputed, plus some fees ( sometime in  XXXX   XXXX   ). I had contacted Capital One through its online chat ; the chat operator informed me that I would need to contact Capital One directly over the phone to dis cuss the matter. After I contacted Capital One by phone, a representative informed me that I would need to speak to the fraud department for Capital One during normal business hours ( I had called after hours ). I had reached out t o Capital One 's Fraud Depar tment a few days later. The Fraud Department 's representative stated th at Capital One would i nvestigate the matter and then get back in touch with me, which never happened.
Product: Debt collection

XXXX XXXX and XXXX XXXX ( XXXX ) calls me five or more times a day, leaving messages sometimes before XXXX XXXX. Im also getting hang ups for them. 
They have now contacted my brother who I am not living with, who I do not socialize with and are telling him to get me to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need credit report update XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? There are discrepancies in the listed accounts, including inaccurate amounts and dates.