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

I have a problem filing a dispute or checking the status of a dispute with Equifax .I have told them about it repeatedly but nothing is ever done about it.It always kicks me off of the webpage stating that the information I entered does not match their records.This forces me to have to call in every time and talk with people who are speaking an alien language waisting my time.I enter the correct information every time.I am sick of it.
Product: Debt collection

I am writing this complaint to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become evident that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$12000.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$14000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$14000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$5500.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$19000.00}. I hereby dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately.
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  Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Mortgage

Wells Fargo refuses to respond to my previous complaint, which was number XXXX. The complaint was sent to Wells Fargo on XX/XX/XXXX. Currently, there is an auction date of XX/XX/XXXX, and Wells Fargo has not responded to my attorney 's calls. We have been attempting to resolve the pending issue regarding the loan modification approval. I have submitted all documents that Wells Fargo has requested in order to move forward with assuming the existing loan on the subject property ; however, Wells Fargo refuses to cooperate to resolve the issue regarding the approval of the loan modification. Furthermore, Wells Fargo has specified that they do not have to communicate with any of their clients whatsoever. We have been trying to negotiate with Wells Fargo, before they file bankruptcy, and leave their clients in limbo. We are ready to begin making mortgage payments in order to settle the debt on the subject property, but Wells Fargo appears to be very stubborn. The California Attorney General 's office needs to continue investigating this fraudulent and unethical company that has been continuously taking advantage of homeowners. My family and I are ready to resolve this issue, and Wells Fargo needs to negotiate in order to settle this dispute. Finally, there is no unauthorized third party regarding this pending matter. Wells Fargo needs to stop creating fantasies, and deal with this dispute in a sound and reasonable capacity.
Product: Mortgage

Since XXXX XX/XX/2020 ( 4 days ) I have been trying to reach Chase Bank Mortgage Services to no avail. During this " Corona-Virus '' crisis, I have been laid off and in need of mortgage deferment. Getting in touch with Chase Bank has been an even bigger nightmare. They have effectively made it impossible to get help. Every day ( if you can get through without having your call dropped ) they have a 12-Hour plus hold times. If I fail to make my payments, I am 100 % certain Chase Bank will penalize me. If Chase does not take their own telephone calls, should they too not be held responsible or penalized? Just to be clear, going to local Chase Bank Branch does absolutely nothing, they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the past 9 months trying to have equifax understand that I NEVER REQUESTED for a fraud alert to be entered on my credit report. I have three letters with the requieres proof of identity and address telling them to remove the fraud alert. I have spent hours on the phone in three different occasions telling them that I never asked or authorize for a fraud alert to be placed on my credit report. A collection agency sent the request and listed a XXXX area code phone number that shes not belong to me. At this point I have spent over 15 hours trying to deal with this with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to Equifax. I have filed multiple disputes with Equifax and they have failed to investigate properly and continue to report this account. Equifax is Illegally reporting this information.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Please be reminded that under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), reporting agencies should only furnish reports for non-consumer initiated credit or insurance transactions if the consumer gives authority or if it contains a firm credit or insurance offer. Also, records of such inquiries must not be provided unless specified in 1681g ( a ) ( 5 ). Here are the inquiries that follow. 

XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX, XXXX Important dates Inquiry date XX/XX/XXXX I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report. Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. Looking forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX. XXXX XXXX has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of Transunion and XXXX reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.
Product: Debt collection

back in XX/XX/XXXX I spoke to a young lady by the name of XXXX. I wwas close to 120 days past due. I explained my situation and that I was maing payments to show my intent to pay the loan. she said that some customers they have to call the police on because they try to hide vehicles. I explained I didnt want that. That i own my own buisness and I was out of work for 6 months due to my equipment breaing down. I made a payment. On XX/XX/XXXX XXXX left a voicemail identifying herself from XXXX and that she understood what the vehicle ment to me and she was trying to help me keep it and prevent from calling higher authorities. when I heard the voicemail I got scared but I had already made a payment. I contacted XXXX and they said they would review the voicemail and call but never returned my call. on XX/XX/XXXX i spoke to a supervisor who said she would review the call and i asked for there legal departments information and was told that the legal department only protected them but that she would review the call and they would take action but did not specify what action or remdey would be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, M & T BANK INDIR add a hard inquiry on my credit report per XXXX.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with RENTDEBT AUTOMATED COLLE company I believe the original creditor XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Checking or savings account

I just moved to the XXXX, XXXX XXXX area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. As soon as I notice the first charge I reached out to my bank, XXXX, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my geo location I was in the area ( which is true because I just moved to XXXX and live in the XXXX XXXX within XXXX XXXX of a large number of bars in the area ) I have still never been to XXXX XXXX  XXXX but did reach out to the company to try and get their help after XXXX sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to do this with XXXX multiple times and have repeatedly been asked for documentation that is not applicable to my situation. Including a police report that would be pointless to file given the amount of time that has passed since my card was stolen and I was given a new debit card. XXXX REFUNDED THE UNAUTHORIZED AUTHORIZATION CHARGES AND REFUSES TO REFUND THE ACTUAL CHARGES FOR THIS CASE. This is unacceptable. I will not be penalized for my card being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A LETTER ON XX/XX/2018 ABOUT THIS ACCOUNT AND DETAIL OF THE ACCOUNT AND I NEVER GOT A ANSWER FROM THIS COMPANY .. 


XXXX XXXXXXXX XXXX TOLD ME OVER THE PHONE ON XX/XX/2018 TALK WITH AGENT NAME XXXX ID XXXX SHE STATED TO ME THEIR IS NO ACCOUNT LISTED FOR ME UNDER THAT NAME OR ACCOUNT NUMBER PROVIDE .. 

IF THATS TRUE WHAT THE AGENT SAID UNLESS SHE GETTING PAID TO LIE TO CUSTOMERS FOR A CHECK .. THIS IS CRAZY .. 

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

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, XXXX, Transunion delete these late payments and update my profile
Product: Debt collection

I disputed the Comenity BankXXXX XXXX account XXXX XXXX, XXXX, and XXXX in XX/XX/scrub> 2024, as the information reported is inaccurate, unverifiable, and contradictory across all bureaus. The credit bureaus verified the account as accurate without proof from Comenity, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Discrepancies & Violations : Conflicting Account Open Dates and Last Activity Dates The open dates and last activity dates reported by Comenity do not match across all three bureaus, creating confusion and inaccuracies in my credit file. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) - Accuracy of Information Different Payment History Across Bureaus The payment history is inconsistent between XXXX, XXXX, and XXXX. Some months show on-time payments, while others incorrectly reflect late payments. 
Violation : FCRA 607 ( b ) - Maximum Possible Accuracy Conflicting Date of First Delinquency ( DOFD ) Comenity reports different DOFDs across credit bureaus, affecting how long this negative item remains on my credit report.

Violation : FCRA 605 ( c ) - Illegal Re-Aging Charge-Off Amount Inconsistencies Comenity lists conflicting charge-off amounts across bureaus. If the debt was charged off, it should reflect the same balance across all reports.

Violation : FCRA 623 ( a ) ( 5 ) - Misleading Reporting Failure to Provide a Method of Verification ( MOV ) When I disputed this account in XX/XX/scrub> 2024, Comenity failed to provide proof that the debt is valid or how they verified the accounts accuracy. 
Violation : FCRA 611 ( a ) ( 7 ) - Right to Method of Verification Transfer of Debt to XXXX XXXX XXXX Without Proper Validation This account was later sold or transferred to XXXX XXXX XXXX, which is now reporting conflicting information about the same debt. 
If the debt was sold, Comenity no longer owns it and should not be reporting conflicting balances or statuses. 
Violation : FCRA 623 ( a ) - Duty to Report Accurate Information Continued Reporting After Transfer to a Debt Collector If Comenity charged off and sold the account, they can not continue to report an outstanding balance after the sale. Only one entity can report the debt at a time.

Violation : FCRA 623 ( a ) ( 5 ) - Reporting of Outdated Information This account was previously disputed with the CRAs in XX/XX/year>2024, and no proper validation was provided by Comenity. 
The credit bureaus failed to investigate properly and instead " verified '' inaccurate information in violation of the FCRA. 
The account was later sold to XXXX XXXX XXXX, yet Comenity continues to report inaccurate data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, anxiety, and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

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

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Information Former : XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX - XXXX XXXX XXXX : XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX, XXXX, XXXX XXXX Known As : XXXX, XXXX, XXXX Also XXXX As : XXXX XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX