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

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Product: Debt collection

Debt for.a payday loan i was not aware of for XXXX thru XXXX  which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a message from XXXX that Bank Of America Put a Inquiry on report and that is FRADULENT I DID NOT GIVE BANK OF AMERICA ACCESS TO MY CREDIT REPORT I HAVE NOT SIGNED UP FOR BANK OF AMERICA. I WANT THIS INQUIRY DELETED I DID NOT GIVE PERMISSION AND IF IT ISNT DELETED LEGAL ACTION WILL BE TAKEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

out of the three major credit bureaus, equifax has always reported incorrect information on my credit history. THEY ARE INCORRECTLY REPORTING MY NAME AS XXXX XXXX, this is not my name on any accounts.since 2013 they have reported my address incorrectly. i have faxed and mailed my correct address to them. this had still not been resolved. there are creditors that have been paid in full that are not reporting any longer. XXXX  and XXXX have deleted them ( XXXX, XXXX, XXXX and XXXX XXXX ). equifax has been provided with the paid in full letters and refuse to delete these companies. after the 12th investigation they are stating that the balance is showing as XXXX and they will continue to report. refusing to delete. when i call i am given instructions to fax and mail, along with sending my government i.d and social security card. 12 times. the last time was XX/XX/XXXX, XXXX there is still no resolution. they are also reporting that a fraudulent XXXX  account that has also been deleted by XXXX and XXXX. euifax refuses to delete. causing me to loose employment, housing and not being able to obtain student loans for my XXXX children in college that will have to leave next semester
Product: Mortgage

I received this year 's escrow analysis and found that there was a error regarding my homeowners insurance policy ( ies ). During closing last year in XXXX, XXXX I had paid XXXX for 12 months coverage to XXXX XXXX XXXX. Property taxes were also paid and the amount of escrow taken that following year should have covered the majority of escrow needed for this year. 

The analysis completed on XX/XX/XXXX shown that I was XXXX in debt for escrow. When I reviewed the analysis I found they had two policies taken out for homeowners insurance. The amounts are XXXX ( XXXX, XX/XX/XXXX ) XXXX ( XXXX, XXXX, XXXX ) and XXXX ( XXXX, XX/XX/XXXX ). I called Vanderbilt mortgage and finances, Inc to try to resolve this XX/XX/XXXX. 

They gave me policy numbers and phone numbers to the insurance companies and I called the next couple days getting everything lined out. Unfortunately, there is still a debt in which I owe and a monthly increase in escrow payment of XXXX. 

XXXX issued a refund on XX/XX/XXXX which I still have yet to receive and when I call I am told it is processing. Vanderbilt claimed that I had not paid any amount towards property/homeowners insurance with closing cost ( page 2b of 5  in closing disclosure shows on line F 01 an amount of XXXX ). 

They are not helping me to resolve an issue they have made and I feel that I shouldn't be obligated to pay for their mistake. I have already made one payment with the escrow increase and need help resolving this issue as quickly as possible. 

Sorry for the long message but I most certainly thank you for your time.
Product: Payday loan

Received a call today as a message. 

You or your attorney call XXXX XXXX XXXX XXXX Figured out who called by looking up the number with the XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX, NY XXXX Called and asked XXXX XXXX XXXX as message stated. 

Basically I was told that they wanted {$2100.00} today. I said I could not pay that and that I would look into monthly payments if they sent me the original agreement. 

Told XXXX XXXX I would call him back on Wednesday, XXXX XXXX, 2016. 

I would like the CFCB to be the go between.
Product: Credit card

I have been paying my balance in FULL, on or before the due date for months to avoid interest.

I have statements that show where, if I paid in full I was not going to be charged any interest and then random statements in between where some months they're charging interest even if it's paid in full. It makes no sense.

I am being charged a " daily interest rate '' on top of the 30 day APR interest rate. 

I had someone call me on XX/XX/XXXX from Comentity Bank ( Victoria Secret Card Services ) stating she see what's been happening and not to worry it will all be taken care of and then today. 

Then today XX/XX/XXXX, I had some guy from there calling me harassing, me being very rude, telling me she was wrong and he was told to call me and clear the issue up. That they charge interest even if you pay your balance in full. " Wow, I mean if you can't paid your balance of just {$130.00} ... '' " NO SIR, I HAVE PAID MY BALANCE... IN FULL, SO WHY ARE YOU CHARGING A LATE FEE ON INTEREST?? '' MAKE SURE YOU ARE ALL CHEKING YOUR STATEMENTS MONTHLY!!!
Product: Credit reporting or other personal consumer reports

Due to the numerous counts of data breaches that I have been subject to and the severity of each XXXX directly involving my PII information, I have endured Delinquent and Derogatory marks to such a degree that I can not recover. 


For the past 7 years the data furnishers, collectors, and credit bureaus have directly given me a false identity. They have set up reports and made

scores from information that is so far apart from me for so long that I literally can not defend myself. To paint a much vivid picture and give a complete understanding. It is a common act of human nature to live a lifestyle beyond one 's financial means and be consumed in unmanageable debt. Then try to point the blame at something or someone else. 
XXXX  But the entire XXXX span that I am referring to, I have filed countless disputes with credit bureaus, banks, credit card companies/grantors, and data furnishers. I have filed police reports, called random numbers that are linked to any activity on my reports, begged and pleaded with strangers, and have lost hope. When I dispute anything on my report it comes back validated by furnishers. When I call furnishers and ask where they get info and demand them to correct the fraudulent information, I'm then told there are laws that limit the data they are allowed to delete. 

It's like I'm fighting a battle XXXX against XXXX. I do not understand how a credit bureau can deliver the information that they compiled of my life to criminals and then even tell me the criminals for sure have it posted the dark web then turn around again and tell me the low score on my report along with the XXXX inquiries is me being irresponsible with my credit and life decisions. 

There are laws such as XXXX XXXX XXXX XXXX that are being violated by XXXX and Experian because they did not protect the reports they have on my life.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the absence of my FICO Score on my recent Equifax credit report. I obtained this report on XX/XX/year> through XXXX XXXX and to my surprise, the FICO Score was not included, despite it being a critical part of my credit profile. 

The FICO Score is essential for me to accurately assess my credit standing, especially for managing financial decisions and ensuring that my credit report reflects my current status accurately. Not having this score displayed puts me at a disadvantage, as I can not track my credit progress or detect any potential issues promptly.
Product: Debt collection

I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it ay concerm this account has never been late. its pad off in full and never late its reporting late 1 time XX/XX/XXXX. 30-59 days late. This is incorrect as this is when a new card was ordered due to lost card. However the payment was made on time. 

CiTi Bank credit card opened XX/XX/XXXX account is current {$0.00} balance
Product: Debt collection

This company is violating my rights they have not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made prior attempts to fix these issues with the company directly and they continue to violate my rights. I understand that I am entitled to {$1000.00} for each violation I have listed. They can either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times through Transunion and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Transunion for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. The following personal information is incorrect Employers XXXX XXXX  4. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Diversified consultant is still reporting negatively on my credit report. My Id theft reference # XXXX please assist me in getting this debt collector I do not owe to stop reporting and contacting me regarding this account. 
When I informed them included an ID theft affadavit but they are requesting again. They had 5 days to delete off my credit report and to stop all contact. 

Diversified Consultant account # XXXX
Product: Credit reporting

THIS COMPANY IS REPORTING FALSE NEGATIVE INFO ABOUT ME TO COMPANIES AND DECLINING CHECKS I WRITE TO COMPANIES THEY WORK WITH. WHEN I CALL TO GET TO THE BOTTOM OF THIS, I 'M BOUNCE AROUND, TREATED RUDELY AND INSULTED. I have contacted this company many times and provided information time and time again. They are very rude, uncooperative, insulting and insensitive to the problems they are causing by distributing slanderous and defamatory and false negative information to companies. They do n't care about anyone but themselves. There are virtually hundreds of websites dedicated to how horrible these people and company is and how many people they have done this too. 

Here are a fewhttp : XXXXThis site talks of this company being fined XXXX XXXX dollars for Fair Credit Act violations. 

https : XXXX
Product: Debt collection

XX/XX/2022, I initiated an auto insurance quote with XXXX online for my paid off XXXX XXXX. I added my son as a driver and provided his drivers license info at the time of the quote. The original quote was around {$270.00} or {$300.00} per month with my son added as a driver. I dont get any emails, texts or letters saying anything changed. About a week before the payment was due I logged into my XXXX account and saw that my premium was like {$1600.00} or {$1700.00} per month not to mention I didnt even agree to that amount. They gave me NO open to ever agree to the change even though they had my sons license information at the time of the quote. called XXXX and was informed that due to my son having negative items on his license my rate went up. I asked why was this not divulged at the time of the quote and I got no response. I then asked what happened to the record of my original my original quote. I was told after a a period of time they are deleted. Very convenient! Especially considering it has not been a month. I refused to pay due to me never being notified that my premium changed or agree to a much higher amount, as it made no sense for anyone to pay {$1700.00} per month for a paid off {$2000.00} vehicle, especially when I had insurance on my other car with XXXX XXXX. This practice is extremely shad. They ultimately filed a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.
Product: Debt collection

I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!
Product: Credit reporting, credit repair services, or other personal consumer reports

( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX XXXX ) - Account / # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX  XXXX XXXX XXXX XXXX ( 15 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 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 KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!
Product: Credit card or prepaid card

Please refer to Complaint numbers XXXX and XXXX. 

This is a follow up to the complaint numbers listed above. I have one additional document to submit that substaniates check number XXXX, sumitted to XXXX XXXX XXXX, XXXX, on XX/XX/2020 was written, signed and the information on the bottom, top and throughtout the check is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I wrote the US Department of Education concerning my credit report. As evidenced by the return envelopes the post office returned the mail and stated " No Such Address ''. I then examined all 3 credit bureau reports and they all have different addresses as evidenced by the information that I attached from XXXX, XXXX, and Equifax ( that are circled ). The creditor is responsible for reporting accurate information on my credit report. Also, I wasted money on postage as evidenced by these envelopes to only be returned. I am asking that all these accounts be DELETED because of inaccuracy.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$120.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$310.00}.