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

I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Experian XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.
Product: Prepaid card

I have 3 pre-paid VISA gift cards that I purchased strictly for online shopping.

2 of these gift cards have a {$500.00} balance, and the third gift card is valued at {$420.00}.

In the past 24 hours, I have tried to use my gift cards at 7 different websites, and the cards are declined each time, prompting me to use another form of payment. The bottom line is that these websites are NOT accepting these gift cards, while VISA boasts that they can be used anywhere, for gas, online, etc. 
I called VISA today ( XX/XX/year> ) and spoke with a woman who told me I have no options, and I will need to use them in a local store and that's it. I told her I was looking to purchase from an online merchant asked her what my other options were, and she said, " you have no options. '' I finally was able to speak to her supervisor, who told me I was typing in the numbers wrong. I re- entered the transaction while he was on the phone and he said he would reset the card and I could try again in 72 hours. Then he ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off
Product: Mortgage

Are use a company called prime lending and the agents name was XXXX XXXX XXXX was very misleading and also very unprofessional and doing the paperwork to be able to close on my loan in a timely manner. XXXX continually was making mistakes with the paperwork causing The closing date XXXX XXXX also lied on was going to throughout the whole process I was told I was going to have an interest rate Of 3.5 % down day of closing which is when I finally seen the final paperwork that Im supposed to buy law have three days advance the interest rate was XXXX XXXX my house payment was supposed to be made {$900.00} range to lower {$1000.00} range and ended up being closer to {$1200.00} very I did not complain about not having my final paperwork for the miss leading of the interest rate due to all the other issues I had closing the loan and the homeowner was going to back out of the sale we did not close that day because due to XXXX mistakes she was actually XXXX and I was about to be homeless as Ive already gotten out of my current lease where I was living ultimately I was affected by the XXXX  security breachAnd I dont believe the effects of the breeze wouldve been so bad that I close on my loan when I was supposed to be gained access to my bank account eventually take me over causing me Not to be able to pay my mortgage as they turn the account over they also gain access to my Social Security number drivers license number date of birth and other sensitive information
Product: Checking or savings account

On or about XX/XX/2022, I changed my phone number on my online banking account. The next day I was locked out of the account. I went into the local branch office and was told that I would not be allowed to access my account for XXXX days. They refuse to reset the account and claim it was standard procedure. They offered no legal basis for not allowing me access to my account.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts Due to Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally request the blocking and deletion of certain accounts from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protections for victims of identity theft. As a victim of the recent data breach, I have reason to believe that the following accounts were fraudulently created or have been impacted by unauthorized use of my personal information. 

Please take immediate action to block and delete the following accounts from my credit report : DEPT OF ED ( CLOSED ) - Account Number : XXXX XXXX XXXXXX/XX/XXXX CLOSED ) - Account Number : XXXX XXXX XXXX XX/XX/XXXX- Account Number : XXXX XXXX DEPT OF ED ( CLOSED ) - Account Number : XXXX XXXX XXXXXX/XX/XXXX XXXX ( CLOSED ) - Account Number : XXXX XXXX XXXX XX/XX/XXXX - Account Number : XXXX XXXX XXXX XX/XX/XXXX( CLOSED ) - Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Account XXXX : XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am enclosing the necessary supporting documents, including : A copy of my government-issued identification. 

A copy of my police report or FTC Identity Theft Report. 

Any other relevant documentation supporting my claim. 

Please provide written confirmation once the fraudulent accounts have been removed. If you require any further information, do not hesitate to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXr Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the disputed accounts that currently appear on my credit report. On multiple occasions, I have raised the issue of inaccuracies related to these accounts and have consistently requested that they be thoroughly investigated. Despite my repeated efforts, I have not received any resolution or corrective action. 

These erroneous accounts are severely damaging my credit profile and hindering my ability to live a normal life. The negative impact of these inaccuracies has caused immense hardship, and I am left with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that you take the necessary steps to update and correct my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and to take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and XXXX concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Product: Mortgage

We are in Loss mitigation with our lender, XXXX XXXX XXXX. XXXX sent our file to Dovenmuehle mortgage to handle the loss mitigation. 

Dovenmuehle hired a real estate broker far from our suburban XXXX market to do an appraisal, or BPO... Broker 's Personal Opinion. It was a drive-by photograph and some equally far away sales comps that valued our 24 year-old house at {$960000.00}. They refused to do an interior inspection which we requested 3 times. They or some related agency blocked the same appraisal broker from doing the interior inspection after we specifically hired him, stating ( incredibly ) that he could not be objective. 

We then hired a XXXX veteran broker from our own town to do a full inspection, inside and out. His BPO was between {$740000.00} and {$780000.00}. Four recent sales comps that were mysteriously missing in the Dovenmuehle BPO, showed up on our local Brokers BPO, the average of which is {$730000.00}. 

Next, we sent 34 color photos of deficiencies identified by our Broker 's BPO. There has been no response from Dovenmuehle. 

There have been 448 recent customer complaints about Dovenmuehle Mortgage. We don't want to be their next victim, we just want a loan modification based on the true value of our home. 

It is clear to us that we are being mistreated and taken advantage by Dovenmuehle as the mortgage balance is very close to {$960000.00}. 

DOCUMENTS : We can provide all written communication and photos on this matter at your request
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  Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights XXXX ) XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax 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. 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, credit repair services, or other personal consumer reports

I have called on several occasions to request my student loans be updated to reflect correct payments and Equifax continues to reflect inaccurate reporting this making them incorrect. The payment history is not reflected corrected and I am not sure why. All on-time payments have been removed, dropping my payment history from 97 % to currently 30 %. When I contacted the original creditor ( XXXX  ), I was told that there was only 3 late payments reflected on my account and I haven't been late in over a year, however, Equifax continuously reflects information that is not correct which is destroying my character and limiting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : 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
Product: Debt collection

Received a voice message from MIDWEST RECOVERY SYSTEMS   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , MO   XXXX   stating that they were hired to resolve an online payday loan in the amount of {$1000.00} i allegedly had taken out in   XXXX   from a compay by the name of   XXXX   XXXX  . I told them i was unaware of any online payday i had ever taken out with such company and did they have any validation of the alleged debt. The agent told me that they did n't, they were simply hired to collect on the debt at which point the agent gave me an old address of mine that i lived at back in   XXXX   in a property that was foreclosed on. I told them that without documentation to validate their claim i could n't speak to them any longer. I did notify the agent that in the state of Florida, Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain : the name and address of the lender and the lenders business office the name of the lender 's representative who signed the agreement a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
None of this infomation he had at which point he hung and i have n't heard from since. They did put a negative mark on my  XXXX  credit report however without even attempting to resolve this matter beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX 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 an account without my written instructions.
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 an confidentiality under 15 U.S.C 1681. 

XXXX XXXX Of XXXX, XXXX XXXX XXXX has violated my rights.

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : Its also states a consume
r reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( 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 then records of convictions of crimes which any dates the report by more then seven years.

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

The problem is that I received the information after the account was closed. I dont have any prior knowledge of the account at risk of being closed. I have been a little bit behind on payments, but made payment arrangements through the credit card department. I feel that I was discriminated against due to my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ( XXXX ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON EXPERIAN I NEED THIS REPORTED ACCURATELY IMMEDIATELY.
Product: Debt collection

On XXXX XXXX I filed a dispute with AmeriCollect for a alleged debt of {$900.00} which I have no knowledge of owing as well as filed a Chapter XXXX BANKRUPTCY which was DISCHARGED XX/XX/2020 and have PROVIDED a COPY to them.. HOWEVER its still being reflected on my credit as OWED and PAST DUE. Ive ALDO provided XXXX with a copy of the CHAPTER XXXX DISCHARGE
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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.
Product: Debt collection

Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.
Product: Debt collection

On XX/XX/2019 and XX/XX/2019 I was contacted on my cell phone number from someone named XXXX asking for my husband to call her back at XXXX ext XXXX. She did not express that she was calling in regards to a debt or identify what company she was calling from. My husband has also been receiving these voicemails. There have also been calls made to his work where a woman asked for my husband but refused to say where she was calling from. She was rude to his coworker and as my husband was not available, they did not leave a message, they just hung up on his coworker. Today I called the number they called me from, XXXX and spoke to a woman named XXXX who did not identify the company name until I repeatedly told her that she needed to identify the company they are calling myself, my husband and my husband 's job, from. She finally told me that they are with Integral Recovery Services. When I told her I am going to report them for the harassing phone calls and voicemails where they have refused to identify where they are calling from, she laughed and said who are you going to report this to. I just let her know they will be contacted regarding this. It is inappropriate for a debt collector to not identify where they are calling from, to not even say that this is regarding a debt, to call multiple phone numbers multiple times and then to act rudely towards the people they are calling when we want to know who they are employed with. This has become very disruptive to both my husband and myself, as well as my husband 's job.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I had been tricked into paying {$310.00} and And XX/XX/2022 the amount of {$600.00} via XXXX. Through my Wells Fargo app. As soon as I realized that something was wrong, I called the bank to report it immediately while the transaction for the {$600.00} was still pending. A few days later I received a report that there was nothing they could do.
Product: Debt collection

I checked my credit score months ago and saw Amsher collections and reported it on XXXX. And attach an online police report. Now I checked my credit report and it says Amsher collection Serv for XXXX has an amount of {$2300.00} in collections. Would like to report identity theft because I do not recognize this transaction. ( XX/XX/23 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an investigation request to Equifax about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Equifax happened 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681n ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.