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

Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

US bank XXXX XXXX 2017 I thought this was resolved I paid this balance off
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
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. 
I requested XXXX, Transunion, and XXXX to conduct a thorough investigation into the following accounts : Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Despite my request, they affirmed the accuracy and completeness of the information provided. However, discrepancies such as : Account # Account Type Account Type Detail Bureau Code Account Status Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment The categories mentioned above, raises questions regarding the accuracy of the reported data, totaling 32 violations. As per 15 USC 1681i ( 5 ), these agencies are mandated to rectify any inaccuracies in the accounts they report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to any consumer reporting agency by individuals who have knowledge or reasonable belief of its inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun loan companyXX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian to remove incorrect information that Experian put on my Credit Report without my authorization. The incorrect information was a Fraud alert and a Notice alert. Customer Service did remove the Fraud alert but REFUSED to remove the Notice alert. She was being defiant and over talking me not listening to the fact that Experian ILLEGALLY put information on my report that was not valid and without my authorization. Since she REFUSED to abide to my simple and legitimate request, I had to raised my voice and demand that this Notice alert be removed. She stated that I needed to submit documentation that was irrelevant to this situation. I stated that I didnt have to submit nor prove anything on my end since it was Experian that ILLEGALLY put a Notice alert that contained information that was simply NOT VALID! 
The Notice Alert read This address may be perceived as a high risk because it has pertained to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian assumed that my address is high risk with out any validity. As such it has cause me severe financial issues since I was denied from opening TWO Checking Accounts. This Notice alert is scaring future creditors away since they believe my mailing address is high risk and are afraid to send me mail there. This has been my address for XXXX YEARS and it is NOT high risk! I had all 6 of my credit cards sent there. Obviously, if this address was high risk I would not of allowed mail be sent There and I would of changed it! Experian has the audacity to put this IRRELEVANT AND FICTIOUS information on my credit report ILLEGALLY yet blatantly REFUSES to remove it! 
I asked the Customer Services Representative for a Supervisor since she was being so defiant. She put me on hold for and extended amount of time PURPOSELY only to then claim there wasnt a Supervisor available which was obviously a lie. Furthermore, she promised me a Supervisor would call me back within 24 to 72 hours which at the latest would be XX/XX/2022. 
In the meanwhile, I gave the Customer Service 24 hours to remove the Notice XXXX. As of today XX/XX/2022, 14 days later after contacting Experian, the Notice alert is still on my report and I have yet to receive a call back from a Supervisor as promised. I knew a call back wasnt going to happen. 
Furthermore, the XXXX inquiry from XX/XX/2022 is still on my report. Experian stated they can not remove it but never gave me a reason why. It is NOT mine thus needs to be deleted. Experian removed other inquiries that were not mine yet refusing to delete this particular one. As a premium member I am disgusted how poorly I was treated, completely unacceptable!
Product: Credit reporting or other personal consumer reports

Second Round Complaint I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX  # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX : They stated Im paying under partial agreement .Which is false .No documents or signatures. 
XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. This account was paid off XXXX XXXX # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX They stated Im paying under partial agreement. Which is false. No documents or signatures. 
XXXX XXXX XXXX # XXXX Inquires : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion : XXXX XXXX XXXX # XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX. XXXX GaXXXX XXXX XXXX XXXX. XXXX Ga XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. 

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. 

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$12000.00} I called this company left a message for someone to call me back they never called and still reporting. 
XXXX XXXX opened XXXX XXXX, XXXX {$160.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it. 
MEDICAL DATA SYSTEMS opened XXXX XXXX, XXXX {$2200.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
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Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
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Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
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I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Money transfer, virtual currency, or money service

Capital One Bank is blocking me from using XXXX. It is illegal for them to block me..
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Product: Mortgage

I have previously submitted a complaint about this company and this situation. The complaint number is # XXXX. I am re-issuing my complaint based on new information after further consultation with a Tax Accountant. I believe that Bank of America mis-reported interest paid which has resulted in a tax liability. 

As a result of Bank of America misreporting, the IRS has assessed that we owe money on our XX/XX/XXXX taxes. On further examination of IRS Forms XXXX that Bank of America prepared, I have ascertained that BOA misreported interest paid in 3 consecutive years, XX/XX/XXXX-XX/XX/XXXX, in the following amounts respectively : XXXX, XXXX, and XXXX. 
Additionally, they initially reported interest paid in XX/XX/XXXX, as {$0.00}. There is no mathematical way that we could have paid this much interest when our interest rate at the time was 6.25 % and later reduced to 4.5 % Subsequently, in XX/XX/XXXX they issued a XXXX that listed 'Refund of Overpaid Interest ' in the amount of {$76000.00}. Based on this amount, the IRS has assessed that we underreported income. We never received {$76000.00} from BOA, but believe that because they over-reported interest paid, they tried to reconcile this amount by listing it as overpaid interest. We received no benefit in real money or deductions based on their reporting. We have asked them to explain their accounting and reporting, and all they have done is sent us statements of account without explaining their reporting. I am convinced that they have intentionally or negligently misreported these amounts and are seeking to obfuscate to avoid liability. 

If this situation is in anyway related to refinancing through the HAMP program they likewise have not been able to explain how a program intended to help homeowners avoid foreclosure has created a liability. Their errors have caused us both financial hardship and distress.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The status is incorrect for the following account GOLDMAN SACHS AND XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and removed from my credit report. It is my understanding that you will verify these items with the respective creditor and remove any information that can not be verified. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly ask that you notify any party who has received my credit report within the past six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

In XXXX Legal Recovery Law Offices XXXX Inc., in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, three years later on XXXX XXXX, XXXX, Legal Recovery Law Offices is now representing the buyer of this debt, XXXX XXXX XXXX XXXX XXXX, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, five and a half years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX XXXX XXXX Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.
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. 

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 XXXXXXXX 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 a 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

My house that was owned by my mother and willed to me is in foreclosure and set to be auctioned in XXXX. This is happening even though I have been told that I qualify for and fit into modification guidelines for help. My issue is that Di Tech Financial has failed to conduct any type of review of my financial situation or assign a dedicated account manager to work with me. I had some financial issues in the past but my income and employment is steady and my current wife works as well. We could easily afford a reasonable payment if DiTech Financial were to review us for any of their internal or government programs. This is a conventional fixed rate loan and there should be some type of modification program for XXXX XXXX and XXXX XXXX loans that DiTech could look at. Our problem is that they are passing all of this by and just trying to do a foreclosure sale on my home. My problems with this loan began in XXXX when I was going through a costly divorce. I could not keep up with the payments and fell behind. I contacted the servicer at the time ( Greentree I believe ) and they reviewed my information and told me that I was eligible for a loan modification. I began the process but my ex-wife ( who was listed as co-borrower at the time ) was not cooperative. We fell further behind and then together we decided the best thing to do was reinstate the loan and pay all the past due amounts. We did this and then got the divorce finalized and the house was awarded to me. However, I had a couple of bad seasons which affected my employment and income ( I work as XXXX XXXX/XXXX ) and fell behind on the loan again. I am once again trying to resolve this matter and get considered for some type of assistance but cant get to first base with DiTech. My income is back to where it used to be and my current wife is employed as a XXXX and together we earn sufficient income to qualify for assistance programs. The problem is that Di Tech Financial will not even give us a chance to be considered for retention options, even those that they are required to offer on conventional loans. Instead they have moved to auction our home on XXXX XXXX without even giving us a chance.
Product: Debt collection

Hello I was Contacted From These Two Companies Resurgent Capital Services & LVNV Funding LLC. Can't Seem To Figure Out Why This Company Is Trying To Reach Out To Me On A Alleged Debt When They Are NOT Legally Licensed & Bonded To Collect Any Debt From Me In The State Of Georgia. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d-Harassment And Abuse I Have Been Harassed And Now I Have Trauma Because This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you RESURGENT CAPITAL SERVICES & LVNV FUNDING LLC that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information. ACCOUNT NUMBER ENDING XXXX RESURGENT ID : XXXX
Product: Mortgage

Attached correspondence is modifications trial documents received from XXXX XXXX XXXX XXXX and Rushmore Loan Management. I made the 3 trial payments to XXXX XXXX XXXX upon 3rd trial payment clearing my bank, my mortgage servicer changed to Rushmore Loan Servicing. Received letter servicer changed, letter from foreclosure attorney stating my home was set for property foreclosure sale. Rushmore didn't honor trial modification with XXXX XXXX XXXX and didn't apply 3 trial payments that cleared my bank. Rushmore Mortgage sent another Trial Agreement, trial payments with Rushmore increased by $XXXX and the interest rate adjust out. My interest rate is at approx. 10.00 percent.  XXXX XXXX XXXX   final modification agreement was never received. My account was assigned to XXXX XXXX at Rushmore, I feel Rushmore is attempting to take advantage of me and set me up to lose my homes,they have not followed servicing guidelines for Consumer Protection. Please assist me with mortgage assistance.