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

DATE : XX/XX/2024 RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. 

YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Mortgage

I am with Carrington Mortgage company. 

I went into a forbearance during theXX/XX/XXXXEven though I lost some income I was still making payments as much as possible during the forebearnce so I wouldnt lose my home sue to loss income. 

At the end of the forbearance I applied for mortgage assistance. Over time I was approved around XX/XX/XXXXI started back making payments as usual. By XXXX XXXX called me stating I owe a lump sum of about XXXX or so dollars. I stated to the representative i was approved and was making regular payments. I also asked why am I getting a call telling me I owe an amount when I was already approved. 
He then contacts someone for me and he states they said my application took too long and it was thrown out. 

So I ended up doing the application all over again. The first time I did the application I consistently called for updates and one of the representative told me they didnt recieve my information. But I spoke to a representative before them that told me they did receive the information. Each time I call I am told something different. I have remained on the line and emailed or forwarded the same information I had already sent. Once I sent it I remained on the line to make sure they received it. The representative would tell me they received it. I'll call again the next day or few days later and again a new representative tells me it wasnt received. 

I am going through this exact same thing with this second application process. I have emails and proof of information I sent. 

I documented calls dates and times and names of whom I spoken to. 

For the past few weeks I been calling. Again I got different information from a new representative. My foreclosure is suppose to be on hold due to them " receiving " all information and was told it takes 30 days. 
But after speaking to a representative a couple days ago seem like they are back to the same things and I'm trying to save my family home I been living at for 20 years.
Product: Debt collection

I retired from the XXXX XXXX and used my XX/XX/XXXX XXXX XXXX XXXX of {$80000.00} at XXXX XXXX in XXXX and graduated in XXXX. In XXXX of XXXX I was contacted by an origination named MOHELA. MOHELA stated that the forgiveness period for student loan forgives was over and that I owed the whole amount for college. I contacted MOHELA and ask them why I hadn't made a payment in almost XXXX years and who did I take the loan out through. They stated that they didn't know what the XXXX XX/XX/XXXX XXXX XXXX XXXX was and that they had no data, only that I owed for the whole amount. I requested copies of the original paperwork with my signature and dates on it. They have refused to provide anything and are causing me sever distress. I am XXXX and have XXXX XXXX due to my XXXX  in the XXXX  and can not pay a debt I do not owe again. I contacted XXXX XXXX XXXX, and they have no outstanding debt owed to them by me. Please help me.
Product: Debt collection

IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX
Product: Mortgage

On XX/XX/2019 I applied for a mortgage with Cornerstone Home Lending in XXXX XXXX Texas. The broker XXXX, XXXX ensured me that my income was high enough. He told me to start looking for home so I did. I found a home way under what my the amount which I requested for my application. On XX/XX/XXXX I emailed him requesting the status and received no response. I have called him over 20 times and he will not return my calls. Then he sends me an email on XX/XX/XXXX about having XXXX cash for closing cost which I responded I have XXXX but you are not returning my phone calls. He ran my credit twice because I was expecting an increase in my credit score after paying of a debt but it had the opposite effect. I have already terminated my lease expecting to purchase a home because he lead me to believe that everything was okay. I know for sure he would no do this to his XXXX customer. Then I spoke to another broker at the company explaining to him that his partner was ignoring my phone calls. He said he will find out way and call me back and never did. I feel so hopeless at this point. My credit score is above the 580 minimum required for a mortgage.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/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 or other personal consumer reports

I asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.
Product: Student loan

After school my job did n't pay enough to cover my house yet alone the new {$500.00} payment I had for student loan debt. When I asked about lowering the payment I was told I do n't qualify and then was told to put it on forbarence until I could get a better paying job. Well that still has n't happened so it has just been put on forbearance over and over for years.
Product: Debt collection

I have been a victim of identity theft starting in 2017. This company called XXXX  XXXX XXXX has a loan balance that was fraudulently open in the amount of {$460.00} I noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to Experian because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.
Product: Credit reporting or other personal consumer reports

I have received a response from the credit reporting agencies stating that the investigation of these accounts has been completed and the items have been verified. However, my credit report still contains several inaccuracies. 

According to 15 U.S.C. 1681i ( 7 ), which pertains to the Method of Verification, I have the right to know the verification process your agency followed. I demand a comprehensive explanation of each step taken to verify the accuracy of the disputed items. 

Despite the investigations, my credit report still shows discrepancies. I request the immediate removal of these inaccuracies from my credit report.
Product: Credit reporting

I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT. DUE TO ID THEFT/FRAUD WE ACCOUNT WAS NOT VALIDATED BY US.I DID SPEAK TO A REPRESENTATIVE PREVIOUSLY AND THERE WAS PAYMENT OF THIS ACCOUNT AFTER XX/XX/2018. I AM ATTACHING THE A COPY OF THE CLAIMS REGISTER AND PAYOUT. IF THE ACCOUNT WA DELETED FROM THE BUREAU WEL THIS WOULD EXPLAIN EVERYTHING. I KNOW SOMEONE LEFT EVIDENCE BEHIND THINKING I WOULD NOT CATCH IT. APPEARS TO BE ANOTHER INSIDE JOB WITH THE SAME TWO ATTORNIES AND TRUSTEE. THE ALABAMA XXXX. ENTITLEMENT XXXX RACISIM AT IT'S FINEST! 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX XXXX. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.
Product: Credit reporting or other personal consumer reports

I am writing to you once again to address the ongoing issue of fraudulent items on my accounts. Despite numerous attempts to rectify this matter, the fraudulent items remain unresolved, causing continued frustration and concern. 

This marks the fifteenth round of complaints I have lodged regarding these fraudulent items. Each time, I have provided detailed documentation and evidence to support my case, yet there has been no meaningful progress towards their removal. 

I demand urgent action to remove these fraudulent items from my records/accounts. I expect a thorough investigation into the origin of these items and a transparent process for their removal. Additionally, I insist on compensation for the distress and inconvenience caused by the prolonged existence of these fraudulent entries. With this, I am asking for your assisstance to remove these fraud items in my credit file 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: Payday loan, title loan, personal loan, or advance loan

I purchased tickets to XXXX XXXX XXXX XXXX XXXX to be held at XXXX XXXX XXXX and Casino XXXX. I purchased tickets thru XXXX thru AFFIRM ( Buy Now Pay Later ) I was not admitted the night of the concert because my tickets sent by via email was not scannable!! They tried accessing by way of their computer but no tickets came up in my name!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX  multiple times asking them if and how I can change the wrong social security number they were reporting on my credit report. They told me they can't do so online or over the phone, but instead I have to send physical mail with the request and supporting documents ( driver 's license, SSN copy ). On XX/XX/XXXX, I sent the letter to XXXX  with the appropriate information. ( Attached Below ). About a week or two later, I receive a letter from XXXX  that was very difficult to understand, but basically it said that they could not change the SSN and that I have to contact my creditor ( JP Morgan ) so that they change the SSN to the correct one. The next day, I contact JP Morgan and have them change the SSN to the correct one on their backend. In early XXXX, I requested a credit pull and found out that XXXX  is reporting the correct SSN and that XXXX  is still reporting the wrong one. On XX/XX/XXXX, I call XXXX  again and explain to them the issue. The representative asked for mail to be sent similar in requirements to the first one. I did exactly that. Today is XX/XX/XXXX, I still have not heard back, and I'm really tired of not being able to open any new accounts or financial products because no company can verify my identity since I have two social security numbers floating around. On XX/XX/XXXX, I receive a letter from XXXX  saying that they went in and fixed my social security number, but my creditors ( JP Morgan and XXXX XXXX ) are still reporting the wrong social security number to them. This problem doesn't make any sense, as XXXX  appears to have the correct social. Also, I spoke with JP Morgan on numerous occasions regarding this issue and they assured me that they fixed the social security number on both the front end and the back end.
Product: Checking or savings account

Occupation : XXXX XXXX Account Type : Deposit/Savings Bank : Bank of America On XX/XX/2022 my cousin 's fiance called me stating that his account was put on hold by Bank of America because of the frequency in which he transfer money to my account. He had asked me to assist in getting monies to his fiance in XXXX because he isn't able to use the services of XXXX nor XXXX XXXX. Initially he used my XXXX XXXXXXXX XXXX ( USD $ savings account in XXXX ), International transfer, but the charges were excessive. I then proposed to him to send it to my BOA account and I will withdraw and pay over the equivalent in XXXX $ to her from my local account I still maintain in XXXX. 
On XX/XX/2022 I received a notification via BOA mobile App that my account was below the minimum limit I had set. I then checked my App and notice my balance was {$0.00} I immediately called XXXX provided for XXXX assistance. I was told that a note is on my account for me to contact the risk department. I contacted them via telephone. Upon checks made and verification of my account, I was told my account was closed and they aren't required to give me a reason and the balance in my account will be sent by cheque within 5-10 business days. 
I have limited number of payees in my account, namely : my mother and sister, both legal guardian of my XXXX XXXX daughter and both resides in XXXX, XXXX Also , my XXXX XXXX son 's mother who resides in XXXXXXXX XXXX 
All the above persons can be contact to verify my authenticity. As a valid customer for approximately five years with not even a traffic ticket on my record, I am very disappointed with the actions taken by Bank of America, one of the best financial institution in America without even doing any investigation. I am very certain this is a case on my nationality as a XXXX 
I'd appreciate a fair investigation of my case and the reinstatement of my account.
Product: Debt collection

On XX/XX/ I received an alert from my XXXX report that I had an inquiry but I knew I didnt authorize anyone to check my credit. A company or law firm named Kirschbaum Nanney Keenangriff checked my credit report without my authorization. I have no affiliation with them. I never authorized them to check my credit. I will be making a formal complaint to the NC state law board.
Product: Debt collection

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report soemething is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare that they will keep putten more things please need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) All of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORTS. ATTACHED DOCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
Product: Credit reporting or other personal consumer reports

I did not XXXX permission for the inquiry. There has been no communication with this lender on the specified date.
Product: Credit card or prepaid card

Opened a secured credit card account with US Bank with the idea that I can get into a regular credit card with the bank. Made an initial deposit of {$300.00} and have paid the account current since opening. Have actually paid off the card every month after use, was advised that I can put in a request for a regular credit card on XXXX. I put in said request but was denied stating that they are going by my credit history however I have other cards that I use in similar fashion. I believe it is unfair of US Bank not to take into consideration the history I have with them personally rather than them focusing on others that is not relevant to my account history with US Bank. Furthermore items in my record are not accurate and are being disputed, a fact that US bank is not taking into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Checking or savings account

On XX/XX/2020 I received a letter dated XXXX XXXX 2020, stating that my account would be closed. After careful review from the Fraud Department it has been determined that nothing ill was found and any remaining balance would be refunded in the form of a check mailed to current billing address. 

Account summary shows that a closing debit of {$3900.00} on XX/XX/ 2020. And account has been fully closed. But I have yet to recieve my balance check. And after many calls to the company I've been meet with nothing but resistance.