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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights.

Once the corrections have been made, please send me a copy of my updated credit report. 

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX
Product: Mortgage

Shortly after closing on my loan which took place approx. XX/XX/2016 my loan was sold and began Servicing with Lakeview who services through XXXX. I contacted the number on my statement back in 2016 to set up what I believed to be a bi-weekly payment structure. As evidenced by my withdrawals in my checking {$400.00} per month has been pulled from my account for quite some time. Today I contacted them and was told XXXX does not do bi-weekly payments they pay the investor which I understand to be Lakeview on a month to month basis. So they have been getting 1/2 of my payment then holding for the remaining and when a full payment is in hand then they make the payment. This is frustrating because this is not necessarily how this was explained back in 2016. I asked to reach Lakeview directly and was given an 800 # to contact them. This went to a different 3rd party company that promoted a equity excellorator program ( aka bi-weekly payment ) plan. They wanted {$290.00} enrollment fee and $ 5.40ish per month for a servicing charge. I asked them if they were either Lake View and or XXXX and a guy named XXXX stated they are neither. Reflecting back I think this also is the same procedure I went through in 2016 and have already paid this set up and servicing charges. I think there is something very strange in the way I keep getting bounced to XXXX, they don't acknowledge that they are in fact the ones pulling money from my account each month yet they are listed on each withdrawal. And now this 3rd company of which is neither XXXX nor Lakeview wants to reset this up with me again and can not find any record of my account anywhere. I can not seem to locate a direct phone contact number to Lakeview to discuss this, and keep getting rerouted back to XXXX. This feels very fishy and I feel the past 2+ year I have paid for a service that I am not getting and there is some sort of scam or fraud going on that I can not pin down and need help. I feel there has been a difference in the money I have paid out vs what has been correctly applied to my loan and would love to see this analyzed fully.
Product: Debt collection

n accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C1681 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, credit repair services, or other personal consumer reports

I have been trying to resolve XXXX items showing on my credit report since XXXX XXXXXXXX XXXX I have written to all 3 credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent 3 letters regarding these accounts. I know they have 30 days to respond but it has been over 90.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called XXXX XXXX and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information XXXX XXXX are throwing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps fraudulently trying to bill me for a " premier '' account while also putting me on this, and on top of this, refuses to remove fraudulently reported information that is fraudulently damaging my credit score.
Product: Checking or savings account

On XX/XX/2023, my account had a balance of XXXX, on XX/XX/2023, that very account had a balance of XXXX. I contacted Chase bank to figure out where the money went. While speaking to the representative, I explained what happened. I was informed that my account was positive and had a a balance of over XXXX. I said that it is not reflected on my end. The rep then proceeded to tell me about pending transactions. Pending transactions come out from the available balance immediately after a transaction is what I said. She then said thats not what she was going to say. Several transactions kept re-pending on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S. G 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XXXX XXXX Reported Identity Theft )
Product: Mortgage

I lost my job XX/XX/XXXX and asked my mortgage company to extend my loan one month so that I can stop having to pay them {$37.00} in delinquent fees like I have been doing since XX/XX/XXXX because I get my social security check on the last week of every month. The note is due on the first, but since I fell delinquent XX/XX/XXXX due to my job loss and my social security checks did n't start coming in until XX/XX/XXXX ; I called Standard Mortgage asking them to help me catch up. They said no just like they have done since I opened the mortgage loan with them in XX/XX/XXXX. I can understand them not helping me before when I was working and just had minor problems, but this is a very serious issue because I am forced now to pay the {$37.00} late fee to keep my loan from becoming default. As of today, XX/XX/XXXX I can not make my mortgage payment because I had to use the only money I have to pay for my filing of Chapter XXXX Bankruptcy. As of tomorrow I will be in default on my mortgage simply because Standard Mortgage refuses to help me by restructuring my loan to where I can be current on my payments.
Product: Credit reporting or other personal consumer reports

FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was XXXX balance and I never missed a payment. Please update it immediately. 
XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I'm not liable for the debt with Midland Credit Managment. I do not have a contract with this credit collection agency. I did not sign any paperwork with this credit collection agency stating that i would pay any balances or owe them any fiduciary responsibly. They did not provide me with the original contract as requested.
Product: Debt collection

Company change original agreement, over-charging me then falsifying docs to credit bureaus destroying my credit saying I owe them over XXXX k for equipment they saud was " free " with instalationn a year contract. 
I have called the company for years trying to fix the errors on my account niw its " costing me 'good ' jobs!! " And better pay! Donations and grant money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As shown on my credit report, names and spelling of names in not correct. Phone numbers listed, and addresses are also not correct. I would like false information removed as well as the social security listed on my credit file. Last XXXX being XXXX that is not my social security number. other false information listed below. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus XXXX  XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Debt collection

I noticed on my credit report about a loan through one main or card that I was late. I never signed up for them. I believe it was the roommate I kicked out.
Product: Credit card or prepaid card

Had two accounts credit cards through Synchrony Bank. Both started out XXXX and XXXX credit balances. After using and paying off the credit limits were dropped to XXXX and XXXX with the XXXX closing soon after. The second card was recently closed after an automated payment.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} from my bank at Bank of America account on XXXX XXXX 2017 thru my mobile application to my bank account in XXXX. The money never made it to the account in XXXX due to a misspelling in my first name. After 2 weeks I called Bank of America in the us they kept passing me around making me reidentify myself every time and retelling the same story over and over again.they finally promessed me that the money would be send back to my us account. A week later I called again and was put on hold for 45 minutes without being able to talk to anyone .i would appreciate anything you could do to get my money back Thank you
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX MEDICAL XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

The said car had been given back because I could no longer afford the payments. There was a payment plan set up then it was to be suspended because the car had been sold at auction on XX/XX/XXXX. When I returned the car I no longer had access to ALLY AUTO accounts and the remaining balance was given to XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Then on XX/XX/XXXX after the car was sold, they attempted to retrieve money from my checking account. They were unsuccessful so they retried the payment on XX/XX/XXXX and took money from my account. They did not remove my checking information when I had no access after giving the car back. I am disputing it with my bank to get my money back. ALLY no longer has the account, I have to set an arrangement with XXXX for the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX  withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. 
Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. 
I have been waiting since XX/XX/XXXX, I have called XXXX  over 20 times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX. 
I have filed a police report, which I will upload to you as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}