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

XXXX, Equifax, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX Credit, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give Regions written permission to file anything on my credit report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

On XXXX XXXX, 2024, I mailed a dispute letter to Wells Fargo Home Mortgage via USPS certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my credit report. The account in question is reporting inaccurately and with incomplete information. Specifically, I requested that Wells Fargo Home Mortgage provide the following information : Current payment status Date of last payment Date account opened Date account closed Despite my clear and thorough request, I have not received any response from Wells Fargo Home Mortgage. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Wells Fargo Home Mortgage has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting an investigation into a medical bill owed to XXXX XXXX XXXX in the amount of {$280.00} my reports have been verified and updated as of XX/XX/2023. Which is untruthful. I have not had an account with the agency or services listed as I have informed the credit bureaus XXXX XXXX. The information on file does not belong to me and the debt collector hasnt submitted documentation or validated the debt. Im requesting this item be removed from my credit file for XXXX XXXX that have not been rendered to me. As well as the new law advised under {$500.00} can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following unauthorized inquiry need to be removed : Made by : CAPITAL ONE AUTO FINANCE Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,
Product: Mortgage

I filed a complaint and got nothing but double talk to confirm my feelings I called the XXXX XXXX XXXX and yes the resentative said the response made no sense ... they said I would start receiving monthly in XXXX I have not ... they did not answer my question in regards to why they are not reporting to the credit brue ... now they are making suggestion that I short sale my home I am 1 and a half months behind and am confident I will be able to catch up and the fact is I have substantial equity and do not qualify for a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Debt collection

All 3 credit agencies are reporting debts in collections that are more than 5 years old. Those agencies are XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied by several apartment rental companies due to old/ inaccurate reporting from previous property rental company XXXX XXXX XXXX
Product: Mortgage

Note that this complaint is actually about the loan servicer XXXX XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX ) which is servicing the Loan for SecutiryNational Mortgage Company. 

I was on a federal declared disaster area forbearance plan related to Hurricane Harvey for 5 XXXX XXXX loans. These loans did not originally have escrow accounts and have never had an escrow account associated with them. I have records to prove that the insurance, taxes and HOA fees have always been paid on time. When we started the trial period there was no mention of adding an escrow account to the loans. In addition, the trial period payments did not include funds for escrow. Escrow accounts were then added to the loan at some point during the trial period without any notification. I have since brought all loans current and requested that the escrow accounts be removed from the mortgage accounts. XXXX XXXX owns the loans and requires that the borrower be notified during the trial period that an escrow account will be added and that the escrow amount be included in the trial payments. XXXX violated XXXX XXXX   rules in servicing these loans by not notifying the borrower and by not adding the escrow amounts to the trial period payments. I have also contacted XXXX XXXX and they confirmed the violation and they are starting a claim with XXXX regarding these loans. Despite several phone calls and sending in the required documents XXXX is continuing to add escrow requirements to the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for VALIDATION, NOT Verification XXXX XXXX XXXX, 2021 XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Checking or savings account

On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.
Product: Payday loan, title loan, or personal loan

I am on a XXXX  month no interest wth buyout at the end pan. It was purchased on XX/XX/2021. contacted Conn 's customer care on XXXX around XXXX pm XXXX after checking my credit report. I see that my balance has only decreased about {$200.00} from the original finance amount XXXX I work in XXXX so I advised them that I was being chrarged interest. There is nothing displayed online or neither do I receive a monthly statement advising of what my balance is after each payment. The rep advised that I was not being charged ineterest. I requested a copy my payment history, She advised again " looking '' at it I was not being charged interest. I received the ledger adn I am infact being charged monthly interest. They may infact be charging other customers incorectly and it also affecred my approval for items because my balance was not decreasing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX A XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Sincerely XXXX A XXXX
Product: Debt collection

This alleged debt is like over XXXX dollars that has been owed since XX/XX/year> they said. I told them I did not get a card from them and as well this happened more than 10 years ago. Somehow they obtained my recently new phone number that I still do not know how I just got the phone 10 days ago. Anyway they have called and I am not paying anything I did not do and do not owe
Product: Debt collection

They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.
Product: Credit card or prepaid card

I close my account, because I made a payment earlyer then, the date before it was due, I paid a XXXX dollars on the payment it was only XXXX and I paid a XXXX thinking that enough for 3 payments, so I didn't pay XXXX, customer service call telling me I missed a payment, so I tried to explain to her what I did, she wouldn't accept it, so I sent in two payments to get back on track, payments of XXXX, I wasn't please with the way customer service talk with me, so I made a loan and paid them off, I call and ask them to put my credit back to good standard, they said they couldn't. My credit score was at XXXX, and now down to XXXX, please help. My ID was stolen in2012, and I reported it, I have indents thefs on my record. please help I'm XXXX yrs old, and also .I never lived in XXXX Ga . Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau ( XXXX, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

discover credit card account number ending XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, XXXX, rental agreement and a cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX days. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ss # XXXX
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I submitted a Deposit to Gemini ( XXXX XXXX ) for {$2000.00} from my XXXX XXXX XXXX XXXX account. I accidentally submitted the request from my savings account instead of checking account, so the request hit the XXXX account and came back to Gemini as NSF. After this, my Gemini account was frozen by the administration. I am unable to access any of my funds in this account now ( over {$6000.00} ), but there is also a - {$2000.00} margin in the USD portion of the account on file ( even though it is frozen ). All I need is for my account to be unfrozen in order to cover this margin balance, but have not had any luck in getting a hold of Gemini customer service to unfreeze. I have reached out to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that my account be unfrozen so that I can cover the margin balance and withdraw funds, but have not received any response. Please help me! I am afraid that my money will be depleted or inaccessible in this account!
Product: Credit card

I purchases a sectional sofa from rooms to go XXXX 2016 using a {$5300.00} line of credit issued by XXXX and Synchrony Bank. I was enticed by the no interest payments. The sofa was delivered with defects and then returned. I purchased another sofa and loveseat that was also delivered defective. That set was exchanged for an identical sofa and loveseat, defects and all. After the the third and final return, I chose not to purchase another set. I began receiving past due credit notices and even a fraud alert for being over 30 days past due. I had been assured by the store manager in XXXX GA that no charges would accrue. Then I went to the XXXX outlet and purchased a sofa. However, I learned my credit was frozen due to outstanding charges of {$360.00} from the original purchases on my credit card. After speaking to customer service and the store on multiple occasions, I have still, three months later, not been refunded the proper amount and I continue receiving several phone calls a day for payment. There have not been any other charges on my bill other than the defective purchases. I need this remedied so I am not reported as delinquent and no longer harassed for money that is not mine to pay. Please help!
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 the account 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* Balance : {$7600.00}
Product: Debt collection

diversified consultants just put this on my credit I do not no who this company is this company sent the credit bureaus wrong and misleading information I do not owe them are who they say they are representing  XXXX  it what 's showing on my report when I tried to call both no success speaking and getting any understanding  because they do n't no what they are doing you just cant throw o ver 3000.00 debt on  someone 's account with out notifying them 30 days i n advance that 's against the law I 'm sick of these companies destroying people credit like this.
Product: Credit reporting or other personal consumer reports

XXXX has put a fraudulent account on my credit report that was once reported before due to inaccuracy. According to XXXX v. XXXX XXXX  mo XXXX XXXX XXXX, I presume no proof of alleged debt, nor therefore any such debt, in fact therefor XXXX exists. Please be advised that I have retained legal counsel and will not hesitate to initiate legal proceedings if necessary. I trust that XXXX will take this matter seriously and act accordingly to resolve it expediently. 
Thank you for your attention to this matter
Product: Credit reporting

Trans Union, XXXX and XXXX have All allowed XXXX XXXX collection to " re-age '' a 7 year old debt.
Product: Vehicle loan or lease

I have taken my car back to the dealership in which Ive purchased my car from initially only for them to not be able to properly diagnose my vehicles issue. So they sent it back to my manufacturer dealership which is XXXX in XXXX XXXX, MD. They were able to diagnose my car with an issue in the motor and reported back to my warranty company that is XXXX XXXX XXXX. Under my warranty in my contract is states that any motor issue and or XXXX XXXX issue is to be covered. The warranty company has then sent an inspector to review my car because it was said that a brand new engine was needed. They then came and asked for my first tear down because they wanted to further investigate the engine. XXXX reached out to me and said what they found wasnt conclusive enough so they recommended a XXXX tear down. Please keep in mind my car has been with the dealership since before XXXX XXXX XXXX it is now XXXX XXXX XXXX The warranty company then asked for all receipts regarding my previous oil changes to rule out that the damage was my fault. I then sent all receipts XXXX day after they asked. I Purchased my car in XXXX XXXX XXXX, therefore I only had XXXX oil changes before my car started to malfunction. Today I was advised by the XXXX dealership that XXXX XXXX XXXX  would not covering any and all repairs to my car even though its stated Im covered in my contract. I have reached out to the warranty company and they have not provided me with any information as to why it is not being covered. This is completely unacceptable that this issue is not being covered and that I have been without a vehicle for months. If the company is not willing to resolve the issue I will be taking legal action immediately. The XXXX dealership has stated I have to pay XXXX for all fees for car diagnostics when they initially told me the cost was {$190.00} and it was also according to warranty service contract.