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

I disputed all the the following incorrect information below with the following credit bureaus : TransUnion, XXXX and XXXX. All three have not responded or corrected the errors on my credit report. Its been over 90 days including follow up letters with no response. 

TransUnion 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX XXXX XXXX  VA XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXXXXXX, two late payments 2. XXXX XXXX XXXX XXXX, one late payment 3. XXXX XXXX  4. XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 1. XXXX 2. XXXX 3. XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX Inquiries 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX - XXXX XXXX 4. XXXX, XXXX 5. XXXX - XXXX XXXX XXXX 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 3 ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) 1. XXXX 2. XXXX 3. XXXX 4. XXXXXXXX XXXX XXXX XXXX Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX ( three inquiries ) 3. XXXX ( two inquiries ) 4. XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX  7 . XXXX XXXX
Product: Debt collection

I owe a debt for a watch I bought on credit. When the company contacted me, I authorized them to speak to my wife as they kept calling me at work. Even after my wife began contacting them, they continued harassing my sister. My wife requested in writing for them to cease phone contact and to contact us via email or US mail. They have continued to ignore that request. My wife put together a proposed repayment plan, which they accepted and then attempted to verbally change via the phone by speaking over her and acting in a confusing manner, so my wife politely ended the call and contacted them via voicemail and email to again request all orrespondence be done in writing, and for them to send the agreed upon arrangement in writing so that we have a record of what we agreed to. We have not received that. Today my wife again emailed and asked for this, and reminded them to not call, and XXXX minutes later they called anyway. We have NOT received the payment agreement that they agreed to in writing at all and they continue to ignore our requests for it and continue calling and trying to bully her into giving them our bank account information over the phone. We want to pay off this debt, but I want the agreement IN WRITING so they can not come back later and say we didnt follow the agreement, and I certainly do not want my bank information given to someone who is refusing to give us the agreement in writing, I do not trust them with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called for 3 months on getting these hard inquiries removed for my credit report on transunion/XXXX XXXX/ XXXX/XXXXXXXX XXXX : They keep stating that they have not received anything from ( XXXX XXXX XXXX ), or XXXX states they have sent an Electronic Deletion request to Transunion/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. Transunion and XXXX/XXXX  need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to Transunion. 

Have transunion/XXXX XXXX/ XXXX/XXXX/XXXX XXXX  Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : XXXX  ( XXXX XXXX XXXX airlines/ travel entertainment ) XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX XXXX   Via XXXX  ( XXXX/XXXX  ) XXXX XXXX XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX
Product: Mortgage

PHH Mortgage ( PHH ) has failed to provide me timely and appropriate notification of my loan transfer in accordance with 12 C.F.R 1024.33.

PHH is/was my mortgage loan service. On XX/XX/XXXX, I received a letter from XXXX XXXX ( XXXX ) explaining that PHH transferred my loan to XXXX effective XX/XX/XXXX. PHH never sent me notification ( either physical or electronic ) of this transfer, so I did not know if the loan transfer was in fact real. After checking my documents online on PHH 's website. I confirmed that there was no official indication from PHH that my loan was transferred. In addition, my account in PHH 's website contained a new statement asking for my next mortgage payment by XX/XX/XXXX.  At this time, XXXX was also asking for my next mortgage payment by XX/XX/XXXX. It was not until I personally called PHH that they confirmed that my loan was transferred. While on the phone, I asked to speak to a supervisor. They kept me on hold for about 30 minutes and then hung up on me. 

How is a customer suppose to maintain proper financial standing if loan servicers transfer loans without any notification in violation of the requirements? In this case, by issuing a new statement requesting my payment, PHH was trying to take additional money from me. PHH should be fined for its illegal and inappropriate behavior.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, I applied for an auto loan with Wells Fargo. Knowing how bad their reputation has been in the past for lying to consumers and giving false information, I decided to give them a try anyway. Yesterday, XXXX XXXX, I received a letter with the date XXXX/XXXX/XXXX that CLEARLY states that I was APPROVED in BOLD CAPITAL LETTERS and my loan was still open. It also states Wells Fargo would be happy to service my needs when I decided to move forward with the process. I called in, the first rep XXXX, extremely rude, advised that although he saw my application, it was still " under review ". I asked why did I receive a letter, in which he replied, oh, it must 've been a mistake ... .with my name and address that just so happened to come right when I applied. Ok. The next day, I called to speak with another rep, who then informed me I was declined. I advised him of my letter that clearly states I was approved, and he replied it was a marketing tactic. So Wells Fargo is yet again LYING to gain clientele, having people run their credit multiple times, calling in several times, sending out FALSE AND PREDATORY information yet again. Wow. Have n't you guys learned your lesson yet?
Product: Mortgage

I bought a 2nd home to be close to my mom and help her with XXXX treatments, I go there to get away when my sister is there. 

I have been trying since XXXX to get the PMI, mortgage insurance off, I don't get responses, now I have sent in everything and no response. I have paid 21 % of the loan, and it says mortgage insurance can get off at 20 % but they are unwilling to take it off and continue to charge me monthly. 

I now need help as I am not getting anywhere. Thank you. XXXX XXXX. call if you need more info or email me at XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX Thank you. XXXX XXXX
Product: Credit card

On XX/XX/XXXX, 4 fraudulent charges were made to my credit card. Wells Fargo contacted me and asked if I recognized these charges, and I told them I did not. They then attempted to address the issue. These fraud charges were for XXXX, XXXX, XXXX, and XXXX. Wells Fargo then credited XXXX, XXXX, and XXXX to my account, missing the XXXX fraud charge. Shortly after that, a second instance of XXXX and XXXX appeared on my transaction history. This totals to XXXX in net charges that I did not make. 

I have had 4 phone calls and 1 in-person visit with Wells Fargo . 
XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX In Person ( Visited Branch ) XX/XX/XXXX Phone They originally closed the fraud claim and decided the disputed charges were valid and appeared authorized by me due to card-present ( emv/tap ). Since then, I have faxed my GPS history showing me XXXX hours away from the transaction locations for XX/XX/XXXX. They currently claim to have the Fraud Claim reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XX/XX/2022 Account number XXXX Current creditor : XXXX Original Creditor : XXXX Original Creditor XXXX # XXXX Dispute Balance : {$500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 Account # XXXX Balance {$790.00} XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  MS XXXX XX/XX/2022 Account # N/A Balance {$1100.00} LAST reported : XX/XX/2022 I sent the credit bureaus letters asking to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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 cuss to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One says i owe XXXX $ .When i never opened a account with them.
Product: Credit reporting or other personal consumer reports

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.
Product: Credit card or prepaid card

XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion many times to dispute the Release of XXXX XXXX Reporting. This XXXX XXXX should have been removed from my credit file for several reasons : 1. This is not my XXXX XXXX 2. This is an old outdated account.
Please remove these Release of XXXX XXXX from my credit report. This information was not provided by any furnisher or creditor.
Product: Debt collection

I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian and XXXX XXXX  credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied XXXX on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded XXXX satisfaction letters
Product: Debt collection

Citi AAdvantage card was 139 days past due by choice because I had a Citi Best Buy account fraudulently opened and when I disputed ownership they sold it. I needed to obtain an Attorney to dispute with XXXX who neglected to respond to my dispute paperwork and attempted a legal action. 
When the AAdvantage card came to be reissued Citi declined to send a new card on the basis of the fraudulent Best Buy. However, I was still getting charged the same interest and fees as if the account was usable. I decided to call between 120-189 days of delinquency to request a settlement ( per interest and fees accumulating as if the account was active ). 
I have only screenshot the last month of calls- please be aware, the full 139 days delinquent have had the same amount of calls. In XXXX XXXX XXXX XXXX I have received 63 calls. Per 7 dials in 7 days Citi has been grossly negligent in their dialer handling. When I called to settle this morning the account manager said they used an autodialer- the only way to not exceed CFPB limit would be to go the DNC route. 
Agent settled at 75 % saving me {$580.00} on a bill that wouldnt have been delinquent had my initial dispute not been ignored.
Product: Credit reporting or other personal consumer reports

I had an installment payment With XXXX from XX/XX/XXXX, XXXX, and on XX/XX/XXXX, I made my final payment of {$680.00}. I received an email from XXXX that stated that I have no outstanding balance and that my purchase was paid off on XX/XX/XXXX. 
I viewed a copy of my credit report and saw that this is being reported on my credit as derogatory on Transunion and was not even stated as PAID. I contacted Transunion on this reporting issue, and they told me that this will continue to be reported for seven years. I am distressed about this reporting because I am trying to get my credit to a level where I can purchase my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to properly secure my most sensitive data, including my SSN, DoB, Address, and other highly sensitive information, as it was recently reported as compromised. My information can be used not only to obtain credit in my name, but to obtain medication, lift credit freezes I put in place because of this hack, fraudulently file tax returns, and even to obtain cell phones with my own number ( eg, claiming they lost 'their ' [ my ] phone ), and utilize said phone to log into accounts where secondary authentication is sent to my phone. This last case will allow access to every account I 've taken to precaution of protecting with additional measures, such as my email and brokerage account, and the subsequent accounts linked to my email account. 

For the rest of my life I will have to carefully watch my accounts and pay for services to monitor my credit and identity because Equifax could not properly and securely store my most personal and sensitive information.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section to diminish speculation my information is a follow.
Product: Credit reporting or other personal consumer reports

*Identify Theft Report Attached* Listed in the attached report and below are fraudulent accounts that were opened fraudulently without my consent it is against consumer law to report fraudulent accounts Equifax fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

New Rez LLC XXXX XXXX XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC XXXX, TX Branch Office NMLS ID # XXXX When NewRez began servicing my mortgage in XX/XX/XXXX, they began charging me for PMI without my knowledge. I had previously had this removed when mortgage was being serviced by XXXX. I was below the Loan To Value ratio that permitted it. 

I was charged {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX {$49.00} on XX/XX/XXXX {$99.00} on XX/XX/XXXX None of these charges are legitimate and I have requested refunds for the misappropriated funds but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on TransUnion the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on TransUnion the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Product: Debt collection

I received a letter from a debt collector Diversified Consultants located at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX  regarding a debt for   XXXX   XXXX   XXXX   for {$130.00}. I have not used   XXXX   XXXX   XXXX   XXXX  . I believe that I have been a victim of identity theft.
Product: Debt collection

Certified credit reporting 3 inquires 2 of 3 date of inquiry XX/XX/2023 I did not give CCR permission to run a hard inquiry on my credit report I consider it fraud and wish for them to remove the hard inquiry on my credit report immediately.
Product: Mortgage

Im XXXX and my XXXX is broken but I still would like to tell you my story and find out if you can help me or at least re direct me. 
The loan officer I had was XXXX XXXX and I hired XXXX XXXX to help me get a loan for a house you know it takes time, so when I found a house and applied for it, an appraisal needed to be done and I asked XXXX XXXX if it could be charged to the closing cost and he said No this is not possible Because the appraisal has to be paid right await and could not wait until the closing day, I think he is correct so I paid with my credit card, it took weeks and it required more and more information from me you know as used to but me and my husband were wondered since XXXX XXXX never tell me anything, Im mean nothing, so to get information we will ask XXXX XXXX a realtor that helped me to find the house I was applying for. XXXX did mentioned something in regards XXXX XXXX had issues with his License or the broker, Im not sure because I do n't know much about that, anyways I just keep waiting and waiting, finally the closing was XXXX, this closing letter showed that I was charge once again for an appraisal {$500.00} dollars, I though it was a mistake and or maybe one more of those charges that Im not aware, well let me tell you what happen when we where at he meeting for the closing XXXX XXXX was there and he said something about in his work place the broker had a fight or argument with the lender and the broker left and they had to start my process again. 

XXXX XXXX never notified me nothing! Never ever ask my consent for another appraissal! Never mentioned no problems like this one, I had the right to know, I had the right to decide and if the broker or whoever left why I have to pay twice the appraisal, XXXX XXXX betrayed me and he did all this behind my knowledge, he lied to me saying the underwriter is taking to long and in the mean time he was doing this with out my consent and not only that but he did charged again to the closing cost and in the past he mentioned this was not possible, this men violated my trust why because he thinks Im stupid enough and I was not going to noted on the closing cost. 

Yes the sale is closed now because XXXX XXXX took responsability and said he was going to pay me the money back ( {$500.00} ), I told him he was not responsible and will not take the money from him, XXXX XXXX has no shame and denied all responsability, he did n't even apologized for doing all the appraissal behind my back and not did NOT ask my consent! And I was unaware of all his moves. 
The closing date of the house was XXXX I could not refuse the close because I would loos my down payment and the appraissal fee {$1000.00} that was already charged {$700.00} so clsing was done but there at the office of XXXX XXXX company XXXX XXXX officer and XXXX XXXX had witness when at he same day I found out that the appraisal was charged to me twice with out my knowledge and I was crying because I felt betrayed.