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

Hi On Monday, XX/XX/XXXX I tried to get a service from website called XXXX, in order to get their payment plan they need a credit check from Equifax. 
I got an error from them that they cant obtain my credit report from Equifax, I have called Equifax and based on what they said they dont have my information on their file. They asked me to send them a copy of my SSN to their fax or their mailing address. I have sent them both to their FAX number and their mailing address, and I have proof that they have received them both. 
today Monday XX/XX/XXXX, I have called them many times and they dont know what is going on they tell me they haven't received my documents. 
then today they told me to check with my company that i work with, I did, they informed me they report all my correct information to IRS. so problem is from the credit report company. 
I dont know what is going on but i need a copy of my credit report from EQUIFAX, these are all despite the fact that i can easily and simply take them from FICO and XXXX, its just this company website that i need to use only can verify by equifax,.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I enrolled in an interest-free credit card with Synchrony Bank XXXX XX/XX/XXXX for a three-year period for furniture purchases ( XXXX XXXX CO / SYNCHRONY BANK XXXX XXXX Despite the promotional interest-free designation, they charged me 30 % interest. I sent an email in XXXX alerting Synchrony to the issue and they agreed it was an error and claimed they would reverse the interest charges - I never saw the interest charges reversed. I checked the portal again in XXXX and saw that interest was continued to be charged at 30 %. I spent ~an hour on a virtual chat and despite numerous attempts was unable to have my claim escalated or receive notice that the appropriate parties were alerted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX XXXX XXXX  Balance : {$3200.00} MXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I got a loan for a diamond ring from Jared Galleria for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier. 

Following this they sold the debt to XXXX XXXX as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire Jared Galleria listing in my credit report, but also the collection account from XXXX XXXX 

( By the way, the XXXX balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with Jared Galleria, XXXX XXXX and all 3 credit bureaus. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND this account is a XXXX XXXX account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation
Product: Debt collection

It seem like XXXX is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. XXXX claim that I own them money. I really believe that XXXX being discriminated against me because I'm a XXXX male. XXXX have not given name and address of the original creditor. I am requesting XXXX to please stop trying to collect money on a false account and stop putting false information on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently checked my consumer report and found that fraudulent accounts reporting. Filed a FTC report because the credit bureaus would not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX of 2021, I submitted a dispute against XXXX XXXX XXXX and XXXX XXXX. I did this will XXXX, XXXX, and Experian Within 2 days of submitting the complaint, Experian ( like they always do ) responded in 2 days saying they investigated the complaint and it was found to be a valid collection.

XXXX, and XXXX  completed the investigation ( it took 2 weeks ) and the information was removed. Experian has the collection grayed out so I can not ever dispute again or upload the information so they can correct the account. It is clear when you look at the account with veridian and XXXX, it is not a collection account and was paid in full by the unemployment insurance. Experian ALWAYS add the most negative information they can on my credit report, they often drop my credit score for no reason, One-time a collection that was paid was removed and supporting documentation was uploaded and Experian removed it and my credit score went up and 3 days later Experian ( on a Sunday ) put the collection back on, and I emailed them the same day, ( on a Sunday, ) and they removed it, something is wrong with Experian, Or someone in that office knows me or is upset over the successful dispute and they refuse to remove. 
How can two credit reporting companies see the errors in my credit and remove and correct the information and Experian ( in two days ) say they investigated and refuse to remove the information and will not let me upload supporting documentation? There is a problem with Experian, for the last 6 months, my credit score will go up 7 to 20 points, then 2 days later Experian will drop my score but will not say why, when nothing has changed. This company needs to be investigated, or see who is handling my account and complaints. How is it I can submit an email on a SUNDAY and then have someone that SAME day respond to my email and correct the information because it was clear someone at the company is tapering with my credit report? They breach information, and their scoring is low,
Product: Mortgage

I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Hard Inquires remain in my credit file : 1. XXXX XXXX XXXX- XX/XX/17 2. XXXX XXXX XXXX- XX/XX/17 These Hard Inquires are more than 2 years old and should no longer be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX not mine XXXX XXXX {$220000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Mortgage account Paid Off : 18 % Balance on XX/XX/XXXX Loan Amount {$220000.00} {$270000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$270000.00} XXXX XXXX Original creditor : XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$14000.00} - Payment Info Original loan amount - Balance {$14000.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX XXXX, XXXX, PA XXXX LVNV FUNDING Original creditor : XXXX XXXX XXXX XXXX {$84000.00} Balance updated XX/XX/XXXX XXXX {$0.00} Closed 2 charge-offs Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # A XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX FAIR XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Names not my : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing happened after making issue known. 

There was computer glitch with Transuion on 2 separate occasions, their problem and not mine which caused my inquires to be deleted then added the back without a written explanation to me about it.
Product: Mortgage

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on X/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} Medical ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

On XX/XX/2021 apparently when this occurred in XXXX, FL where i am not a resident of charged my credit report with a collection to the following company DEBT RECOVERY SOLUTIONS / XXXX XXXX XXXX XXXX XXXX / XXXX, NY XXXX. This in FACT was a ambulance ride for my XXXX y/o father being taken to a XXXX XXXX. I, in FACT, is not and never will be a Veteran in this country because I cant even establish credit on my name because this is the seconded time this happened. I was at work as scheduled on XX/XX/2021, if payroll is not literal fact then what is? I am sure there is a significant level of fraud in XXXX XXXX FIRE AND RESCUE. Now XXXX is saying my dispute is baseless because this information is correct, but when the ambulance went to pick my father up, they had my information and to my brothers knowledge did not correct it when told. Please help me so I don't have to resort to a new normal this Country expects of the discouraged.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to human trafficking-related debt bondage, which qualifies as XXXX  under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and debt bondage, and I request that all listed accounts be blocked and deleted. 

Please delete the following accounts from TransUnion : XXXX XXXX XXXX - Balance : {$5100.00} - Account # : XXXXXXXX XXXX XXXXXXXX - Balance : {$2800.00} - Account # : XXXX XXXX XXXX - Balance : {$71000.00} - Account # : XXXX XXXX XXXX - Balance : {$83000.00} - Account # : XXXX
Product: Credit reporting or other personal consumer reports

I just finished paid the full amount on my car loan, unfortunately the last payment I went to their website and select the balance that they provide and made the payment. Later, I discovered that the amount was short by {$1.00} and they report this as a late payment into my credit report. I called them to explain them it was their fault because the system gave me the incorrect amount in their website. I select the amount they provide me and now they don't want to take out the late payment in my credit report which is unfair.
Product: Mortgage

I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well. 

I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent in letter for validation of late payments, also in XX/XX/year>, XX/XX/year>. Ive contacted XXXX directly and they advised my account is in good standing and I have no late payments. 

In accordance with the fair credit Reporting acXXXX XXXX XXXX XXXX listed on my credit profile with Transunion, Equifax & Experian has all 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 states a consumer reporting agency cant furnish an account without my written instructions.

Under, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Myself and my mother received a call claiming to be XXXX XXXX stating they were trying to serve me papers for something. On my voicemail he left an address that I've never lived at. So I call XXXX and the man who answered asked for the reference number which I gave XXXX and he asked if this was XXXX and I said yes and I said not sure why you are calling and harassing me and my parents. He started screaming at me saying if you want to see harassment you got it and said I will see you in court and hung up on me. I called back and he started screaming at me again so I am not here making a complaint on this company.
Product: Debt collection

I, XXXX XXXX elect to dispute an outstanding debt of {$13000.00} issued by Real -Time Resolutions, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX TX XXXX customer service XXXX. Account XXXX, This loan states that a 1995 XXXX was used as collateral. I have the XXXX pink slip and a notarized signature in the release form the original loan. The car has been since sold. 

In a response from Real time stating that they purchased the loan from XXXX for whom acquired the loan from XXXX XXXX. 

These companies, LLC 's that have changed there name over the past 30 years such as XXXX XXXX  to XXXX XXXX XXXX XXXX to XXXX XXXX, to XXXX XXXX  to XXXX XXXX etc. I currently pay XXXX XXXX   and on an outstanding debt close to the same amount monthly. 

My issue is how can a company release a vehicle with suht an outstanding balance. 
Me personally I believe in the mist of all these conversions and name change that a second or third party company acquired this loan. I feel. so violated and this is causing such harmful effects on my credit report and retirement. I need to purchase a new roof for my home of XXXX   years. 

Please help me in searching for the truth. I can't imaging walking away from a {$1300.00} debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Thank very much. 






















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

Fraudulent accounts appearing on credit report. 

XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Multiple finance companies pulled my credit repeatedly over a 30 day period. 
XX/XX/XXXX