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

I reached out to XXXXEquifax to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX 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 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

I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. 

Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. 

However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.
Product: Prepaid card

For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! Huhn!!!! Just because I wanted to dispute items? What does one have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX Experian Dispute Division XXXX XXXX  XXXX XXXX, TX XXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX Main Financial : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within 30 days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. Three examples include : XXXX. XXXX XXXX  Experian Information Solutions , Inc . 

Outcome : Plaintiff awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : 1. Immediately delete the fraudulent accounts and inquiries listed above. 


XXXX. Update my current address to XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX. 


XXXX. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. 

The file attached shows XXXX XXXX removed.
Product: Mortgage

My SNSC Complaint to CFPB | XXXX XXXX XXXX My primary problem is my mortgage servicer : o is not allowing me to make any payments on this financial product for my personal residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and o is suing me to take my home from me in foreclosure court at this moment despite receiving federal funding and personal payments as stipulated for a XXXX statement. 

Previously, I paid on this monthly note via my online account to debit my checking account, but I no longer have access to my account to post a payment. 

Documents are arranged chronologically and numerically labeled for reference : Pages Date Amount Communications XXXX XX/XX/XXXX {$340.00} Proof servicer was added to homeowner insurance policy, as SNSC requested XXXX 

XXXX XXXX XXXX  {$410.00} Proof servicer locked me out of my account to not allow access to make XX/XX/XXXX payment on my financial product without incurring a late fee. 

XXXX XX/XX/XXXX Proof servicer has been paid in full for mortgage arrears and forward-facing payments on behalf of homeowner. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4500.00} Monthly statement indicating total amount due with late fees. 

XXXX XXXX XXXX  {$4600.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$63000.00} Default notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Past due notice # XXXX. 

XXXX - XXXX XX/XX/XXXX {$3600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Proof of condo association property / hazard insurance certificate. 

XXXX XX/XX/XXXX {$1700.00} Monthly statement indicating total amount due with stipulation unapplied payment reversals and regular payment with adjustments. 

XXXX - XXXX XX/XX/XXXX {$29000.00} DC Homeowner Assistance Fund final payment for financial product. 

XXXX XXXX XX/XX/XXXX {$3500.00} Monthly statement indicating total amount due with late fees. 

XXXX - XXXX XX/XX/XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XX/XX/XXXX {$2600.00} Monthly statement indicating total amount due. 

XXXX - XXXX XXXX XXXX -- Monthly statement indicating total amount due. 

XXXX XXXX XXXX XXXX {$1700.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Loan activity XXXX - XXXX XX/XX/XXXX {$1500.00} Monthly statement indicating total amount due. 

XXXX - XXXX XX/XX/XXXX -- Basement unit floor plan of my home.
Product: Debt collection

Caine and Weiner who supposedly is representing XXXX is stating that I owe them {$270.00}. 

I do not owe XXXX or Caine and Weiner {$270.00}. 

Caine and Weiner has failed to produce the date and account number associated with this bill. 

I have disputed this bill 4 times in writing and online. 

A letter was sent to Caine and Weiner about a year ago asking them to cease and desist, but they continue to hurt my score. Now there is something new on my account for XX/XX/XXXX. 

Dates I disputed this bill by letter and/or online : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While applying for a credit card on Saturday, XX/XX/XXXX, I asked how to build my credit. I was told that the dispute was on my credit and it was also affecting my score. How do I rectify this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my personal credit report from XXXX, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 7 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXX XXXX appliance account. 

I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 


Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Names : XXXX XXXX
Product: Student loan

Over the past several months I have attempted to contact Fed Loan Servicing multiple times to ask questions about my loans. Each time I have called, I am on hold for no less than 2 hours. On multiple occasions I have finally gotten through to someone, only to be hung up on or placed back in the cue to wait hours again. 

The most recent instance of this happened XX/XX/XXXX, when XXXX, ID number XXXX, said she was going to place me on hold, and I was then sent back to the cue to wait another hour and a half. When I finally got a person on the line, she was rude and unhelpful, did not answer my question, and hung up on me. Her name was XXXX, ID number XXXX. 

I have multiple payments under PSLF that have not been counted correctly, and it has been impossible to speak with someone in advance of the XX/XX/XXXX XXXX waiver deadline. Additionally, Fed Loan Servicing constantly rejects or inaccurately reviews employment certification forms, forcing me to constantly call to fix it. For example, I submitted an employment verification form in XX/XX/XXXX that shows I have been working for my employer since XX/XX/XXXX. All of those payments were counted, except for XXXX XXXX XXXX with no explanation, other than utter incompetence. Additionally, in XX/XX/XXXX I was told I could make up for non-payments if I was with a qualifying employer during those dates. So I made a payment for XXXX and XX/XX/XXXX, and the XX/XX/XXXX payment was rejected. I have been unable to reach someone to ask why. 

I am requesting CFPB to connect me with someone who can review my PSLF and answer my questions, as well as correct the missing payments so that they show correctly and my payment count is accurate. There will be a new servicer soon, and I can only imagine the chaos we as borrowers will need to endure. We can not even trust the current servicer to manage the PSLF correctly, I imagine the transfer in servicer will not be a smooth one.
Product: Credit reporting or other personal consumer reports

I didnt authorize XXXX XXXX & XXXX XXXX To pull my credit. 

Please delete this inquiry asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company PHH, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for  the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.
Product: Debt collection

XXXX violated my rights and threatened me through a text thats listed below. He continued to call and make threats. There were also false information reported on my credit and according to FCRA law 605 you could not report or call out of term and make threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I first reached out to Credit Karma about the incorrect information being displayed for my Driver License and state of residency under their application. They reached back and stated that they would close my account to prevent any fraudulent activities and to reopen it I would need to send documents like Driver 's license and SSN for verification. After completing the process the information remained on my account as I waited for 2 months for any changes to take affect. I later reached back to Credit Karma on XX/XX/XXXX about the same issue and stating I never even resided in the state where they had on file for drivers license and that they were clearly mixing up my information with someone else of maybe similar names. On XX/XX/XXXX I reached out to credit karma again about the numerous attempts of resolving this issue and finding out there source from whom they get the information to try and dispute with them. On XX/XX/XXXX they responded claiming that there has not been any changed because they receive their information from XXXX  and that they can only update as soon as XXXX  updates there information. On XX/XX/XXXX credit karma reached back stating that the information regarding my XXXX  listed on there application is tied to the address entered on my Credit Karma account and also the states Motor Vehicle Commission. Conversations continued back and fourth for months me reaching out to XXXX, XXXX, XXXX, and even my local XXXX, to correct any information that may have been on any of those records. I reached back to them on XX/XX/XXXX stating I did all the above including receiving driver 's abstract from XXXX and none of the information they had matched what Credit Karma was displaying. They later replied on XX/XX/XXXX stating the information they had came From XXXX records and because of that they were unable to edit that information. Clearly this has gone no where now for almost 2 years and I need help your help hopefully resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following incorrect spelled names :  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/2024, I mailed to the XXXX XXXX XXXXXXXX Wells Fargo XXXX in an amount made payable to the taxing agency along with the FTBs Form XXXX, XXXX XXXX. Between, XX/XX/2024 and XX/XX/2024, my WF Check was intercepted and washed to now show the payee as a different entity. On XX/XX/2024, my WF Check made payable to another entity was sent from XXXX to WF and deposited into my checking account. There are obvious alterations/changes made to the physical appearance of the check including : ( 1 ) the payees name is now the only PRINTED word on the check while the remaining handwriting on the face of the check is in the original longhand and/or cursive writing; and ( 2 ) the check had been washed to the point the original XXXX XXXX design no longer appeared in the background of the check. This shows a lack of ordinary care on the part of WF to identify any irregularities and/or forgeries pertaining to this check. On XX/XX/2024, WF issued a monthly billing statement that showed the item number, the amount and date of payment. In the Description column of the statement, it does not reflect the actual payees name only the word Check. On the last page of the WFs monthly statement, in the fourth bullet located in the Important Information Should Know section it reads : Promptly review your account statement within 30 days after we made it available to you, and notify us of any errors. Based on these instructions, it is not possible to tell when a payees name has been altered. On XX/XX/2024, I received a letter from WFs Branch and XXXX XXXX XXXX Department regarding the first claim indicating we have determined the transaction posted correctly. Please consider your claim closed. This was the first denial I received from WF. This denial was based on the wrong assumption that I was disputing the amount of the check as opposed to the alteration of the named payee.
Product: Payday loan, title loan, or personal loan

XXXX had me sign up for a loan with XXXX financial to help with paying for car repairs. It was presented to me that it was interest free. It was only interest free for the first 90 days. After that an interest fee of % XXXX was added onto the loan making the balance go from 2000 to over 8000 owed. Even though payments were being made each month they reported to the credit bureau that payments were missed 2 times.. this is causing my XXXX XXXX to drop drastically. They are practicing predatory behavior, taking advantage. When I go to look up my contract, the website is always coming up in error and I cant read it.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection
Product: Credit card

On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some information about history payment/rating, inaccurate balance, date of last activity, dispute status, inaccurate credit remarks, unaccrued balance that is incorrect. 

Also under FAIR CREDIT REPORTING ACT for these accounts 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 : STATE I HAVE TO RIGHT TO PRIVICY.

15 U.S.C 1681 SECTION 604 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.
Product: Debt collection

I became aware of the account status for the Discover credit card on my credit report. It was closed on XX/XX/year> with a final amount of {$1400.00}. The credit card balance was originally {$1200.00}, but it closed out at {$1400.00}. I never received notice that this account was being charged off and sent to collections, and I never received notice of the final balance. Even though, I've agreed to pay the balance because it's affecting my credit, I never got notice of the status of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

An agent returned my call a few years ago from XXXX XXXX XXXX. 
My credit was bad. I was trying to get a card with low percentage. 
He said that card was at 16 % interest, compared to others that were at 29 % or something at the time. 
He convinced me that I was getting XXXX dollars at that rate. 
So, about a couple of days later, the card came in. 
Alone. 
No paper work attached! 
So, I went shopping and bought XXXX item for either XXXX or XXXX dollars. 
Within the next week the paper work came. 
When I realized that the guy lied, I called and left a message that I wanted to cancel the card. They said someone will call me back. 
A woman, a manager, called me and told me at a later date and told me that I was late on my payment. 
I think the late charge at the time was XXXX dollars. 
I explained what happened. By then, I had checked the reviews and they were terrible for XXXX XXXX XXXX. So, I told her that it wasn't right etc... 
I remembered to my surprise ( I was XXXX ) She answered that " it was me who misunderstood because of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So, I'll suggest you pay the money and get on with it! '' Ha. 
I hang up and I paid what I owed. 
In it's entirety. 
Then, I cut the card up and was done with it. 
XXXX XXXX - I've attached a copy from XXXX where anyone can see that the dates on the report don't make sense at all. 
I am asking XXXX XXXX XXXX to please provide me with all records because they should not do this to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on credit report. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reported to XXXX XXXX and Equifax the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

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

A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by TransUnion as of this date, XXXX-17.