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

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening at the earliest opportunity. I compassionately demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Debt collection

I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
Product: Credit reporting or other personal consumer reports

Heres a brief summary of what happened : You discovered inaccuracies on your credit report, such as incorrect charge-off dates, high balances, and last activity dates for several accounts, including XXXX XXXX, XXXX Bank XXXX and Verizon.These errors have negatively impacted your ability to obtain credit. You are disputing these inaccuracies and requesting either verifiable proof of the account details or immediate removal of the accounts from your credit report as required under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX information on your report LVNV FUNDING LLC XXXX The above information was for the complaint i filed against LVNV I have have no business with them and they have never supplied a purchase agreement A statement is not proof as a purchase agreement. They need to send me a purchase agreement and not a statement for this debt they allege is mine.. 
They sent a purchase invoice which is not a purchase agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquires and collections do not belong to me!
Product: Credit card

On XX/XX/XXXX I received several emails from XXXX confirming transactions for hotels in NJ that I had just booked. Upon receiving these, and being that I am in Iowa and have no intention of going to NJ, I knew that these were fraudulent. So i immediately ( that night within minutes ) contacted XXXX and alerted them. In the ensuing XXXX hours of being transferred around they refused to help me and told that because these were booked through there " sister-site '' booking.com, even though the confirmations came from XXXX and the person who made broke into my XXXX account XXXX that they could not help me. They would then transfer me to booking.com who would then refuse to help and transfer me back to XXXX, this went on for a couple hours. After getting no-where and basically in tears at this point I gave and called my credit card company Chase. They assured me that their fraud department would take care of the pending charges on my account and that would only need to wait till morning to contact them. So the next day I called and filled out the required paperwork and trusted them to take it from there. Two months later I received a follow up phone call stating that since they couldn't verify that my account had been hacked they were sustaining the charges and I would have to pay them. 

I pointed that I had called while the charges were still pending and asked why they paid them at all, to which they said that " I just didn't know how it worked '' and that pending charges have to be paid to " certain vendors like XXXX ''. I asked why if XXXX had canceled XXXX of the charges the first night for fraud, which they did, why wouldn't all be treated that way and I was told that was between me and XXXX and they wouldn't do anything to help me. I was then told that all of this would noted on my account but that if I wanted to further dispute this I would have to contact XXXX. Which I did. After spending another hour and change on the phone XXXX agreed that another XXXX of them was fraud and instructed me to have Chase call them back for a refund, so i contacted Chase again and they refused to help me any further so i canceled the card. 

The charges appeared on my bill as follows : All appear on XX/XX/XXXX, in the amounts of {$170.00} {$160.00} {$140.00} {$170.00} {$170.00} {$170.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have processed the correct paperwork according to the FCRA and the credit agencies are not attaching the paperwork to the disputes and removing the accounts per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Money transfer, virtual currency, or money service

{$980.00} on XX/XX/2021 and {$1700.00} XX/XX/2021 {$910.00} on XX/XX/2021 Made Zelle payments via Chase bank but because made on the weekend I did not get the option to reverse/cancel the charges. I had to wait till Monday to call back when Chase bank XXXX/Fraud department open and it was too late.
Product: Money transfer, virtual currency, or money service

PNC won't connect to XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXXXXXX Balance : {$620000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was taking a look at my credit score by logging into XXXX XXXX, and it appeared that I have a credit card/store card thats being used. That Ive never applied for or have anyone permission to apply for. When calling multiple credit agencies to check into whats going on, I was told I couldnt receive any information about my credit which fraud is being committed.
Product: Debt collection

I found out of this when I try to buy a house for the first time that I have a dept of XXXX XXXX from a apartment complex in Texas that I rent in XX/XX/XXXX when I never been in that state I ask for the information about the collection and in the contract of the lease of the apartment there is people that I dont know saying that they are my brother in law and I dont have no brothers in law because my wife do not have any brothers. I report and identity theft because that person is not my self because he is working on that state and I live in Colorado seen XX/XX/XXXX. I report to the IRS the identity theft. I make police report. I report to the social security Administration. Y make a report in the federal trade Commission and I reported to the immigration agents and ice.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> :
Product: Debt collection

An individual named XXXX XXXX contacted me and advised that he was with XXXX  and was trying to " mediate '' an amount of {$400.00} ( or something similar ). The number was from XXXX. Mr. XXXX refused to provide any additional information about the name of the company, but did advise that the company was located in XXXX. Mr. XXXX did not use the term " debt '', but listed out a series of companies on who's behalf he was calling. He refused to provide any information and threatened to escalate the matter for fraud to court or judgment.
Product: Debt collection

Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.
Product: Mortgage

Freedom mortgage loan # XXXX On XX/XX/XXXX I bought my new homeowners insurance with XXXX, Termite my previous XXXX XXXX on XX/XX/XXXX. 
On XXXX, the lender also sent the insurance fee {$330.00} to XXXX. 
Then the lender increase my monthly payment from {$970.00} to {$1000.00}, overcharge me about {$76.00} per month, lender also open an escrow account on my loan payment, charge me {$28.00} per month till end of loan payment, so I have to pay the {$28.00} on every month for another 22 years
Product: Mortgage

I submitted application for loan modification and was first offered a flex mod and then for some reason it was takin back i was told by the investor and said because I have already received several modifications which are not at all true I tried to explain that and it wasn't even taken into consideration just told me that I could make a reinstatement payment of {$24000.00} I do not have this kind of money but I do work 2 jobs so that I can keep my home the reason for my hardship is the death of my husband and financial loss this is why I requested a modification
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue on several occasions as I was told by all 3 consumer agencies that they do not handle inquiries and I have to do them on my own, but again, they are suppose to make sure everything on my credit report is indeed 100 % accurate and they have once again failed me. I have sent numerous dispute letters as well. 

Violations Under FCRA 15 U.S. Code 1681s-2-15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) and ( the inquires shall be removed under this code ) Also section 1681o ( a ) ( 5 ) a consumer Reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transactions that is not initiated by a consumer Under 15 US Code 1681n ( b ) Civil liability of a natural person Ive been violated! 

XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian inquiries : 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: Vehicle loan or lease

On XXXX XXXX I opened an XXXX XXXX with Wells Fargo. On XX/XX/XXXX I called them to inform them that the loan was not reported to my credit. They informed me that it will be on my credit on XX/XX/XXXX XXXX is now XX/XX/XXXX & it still has not been reported to any credit bureaus. Since then I have reached out to them multiple times & they have not helped me solve this problem
Product: Mortgage

I have been trying to have credit issued to us for escrow overcharges through a modification. This complaint has been filed with you since XXXX to the present in my complaints which provide the documents from us and their responses without any resolution. This complaint was filed with CfPb and ct sate attorney which ocwen settled in XXXX and XXXX which we did not receive any compensation damages since both settlements. An agent from CFPB provided me address to ocwen ombudsman yesterday requesting I call them and ask for my compensated damages. I also sent out to XXXX and ombudsman with the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Checking or savings account

As of XX/XX/26 my bank account has been locked. USAA claims it is fraud while all my deposits and purchases are clearly identified on the transactions page as well as me calling them and verifying myself.
Product: Credit reporting or other personal consumer reports

XXXX 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. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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: Credit reporting or other personal consumer reports

I am a victim, of identity theft and have been for quite a while. This account has been on my credit report and has negatively impacted my life. I just want this nightmare to be over! Please help. I really appreciate it!
Product: Mortgage

Mortgage company did not pay taxes to county for 2022. Now I am 4 months delinquent, there are penalties and interest and late fees as well my credit history and I am unable to XXXX permits for project on the house due to delinquent taxes. 

My mortgage is responsible to submit taxes to county and they failed. I called 7 times and each time they had no idea what is going on. They just transfer me to another person who doesnt know anything about taxes. I asked to talk with someone in escrow or who ever is in charge depositing taxes to county and they said we are not sure where to transfer you.
Product: Credit reporting or other personal consumer reports

There have been hard inquiries on my credit report and an auto loan with capital one auto finance. I DID NOT authorize any of these inquiries or the loan. The loan was approved in XXXX 2024. I am currently on the phone with capital one to report to them as well.
Product: Money transfer, virtual currency, or money service

After the breach by the cash app employee, multiple attempts were made against my account to use my card at XXXX. Most were denied due to suspicious activity but one was paid and Im out XXXX XXXX Cash app referred me the XXXX but I dont have an order number or anything to file a claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a credit card as a charge off on my equifax credit reports. 

The account is fraud and was open without my consent of knowledge. I filed a police report and FTC affidavit and asked that the account please be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX a victim of identity theft and you have a FTC XXXX that I submitted to the Credit Bureau but they refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the bureaus provide me with information regarding their decision and they are violating my consumer rights by refusing to provide you with proof. i have no knowledge of the following accounts : XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX acct XXXX XXXX ; XXXX Acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX AUTO acct # XXXX ; XXXX and the following inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX  XXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$450.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  XXXXXXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is stating that they verified a bankruptcy with XXXX XXXX and XXXX XXXX is stating that they never verified the bankruptcy. The bankruptcy is unverifiable and I requested it be verified r removed multiple times and they have yet to do as the law required.