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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting over 40 closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman of XXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.
Product: Mortgage

XXXX XXXX is using Wells Fargo Bank to cover a bad Loan to XXXX XXXX XXXX. XXXX XXXX assigned a mortgage to XXXX XXXX in XXXX ( XXXX XXXX went out of business in XXXX ) The note was never signed over to Wachovia Bank. The foreclosure suit is Wells Fargo Bank successor by merger to XXXX XXXX. Wells Fargo Bank on different telephone calls and on the XX/XX/XXXX letter said XXXX XXXX  is your lender. Wells Fargo Bank has stated that " we do not have one penny in your property at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX " XXXXXXXX XXXX  through their attorneys, state that XXXX XXXX is the servicer of the mortgage. Wells Fargo, under under who's name we are being sued ( 1 ) does not have any account number for us ( 2 ) does not know our name ( 3 ) do not know our address PLEASE READ THE ATTACHED LETTERS See complaint XXXX which Wells Fargo Bank XXXXeopened under Wells Fargo Case XXXX XXXX in the Executive offices at Wells Fargo . All the files are attached to this complaint proving all the information above. WE NEED YOUR AMMEDIATE HELP AS XXXX XXXX IS TRYING TO GET ANOTHER SHERRIF SALE. See the attached Common Pleas Docket I believe that XXXX XXXX is trying to bypass the requirement to put back money in reserve as required in XXXX for a bad loan so they could lend this money out. ( XXXX has done this before and got away with it. ) WE NEED YOUR HELP!!
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Someone I believe has stolen my identity in the past or used my info to sign me up for cable that I did not consent to. At first I thought this debt was for an early termination fee that was resolved but now i see that it is actually for equipment, but i did not have any XXXX  equipment and if they think i do it is from someone other than me ( someone that used my info without my consent ).
Product: Payday loan, title loan, personal loan, or advance loan

I was experiencing hardship and got behind on my loan due to an unexpected illness which caused me to miss work and when I resumed work I started going through a custody battle and had my vehicle reprocessed but paid all necessary fees to obtain my vehicle but I was told by several representatives that I could take advantage of an offer to pay a settlement as a flat fee I also received an email with the same offer and I was told the amount but never could receive a confirmation by email to confirm this matter so I made several calls where I was informed I just needed to wait on an email but never received it but when I tried to escalate this issue I was then told I could not take advantage of the offer to offset the interest I was being charged and even though I talked to several representatives that informed me this offer was valid including speak with a Supervisor named XXXX from Alabama giving me a price breakdown I was given false information to string me along even after I paid all fees under the impression that this would be an offer I could take advantage of to assist me with my financial hardship. I was lied to, and this matter needs to be investigated.
Product: Credit reporting or other personal consumer reports

Please carefully review this complaint, as it was submitted intentionally. My credit report contains mixed information, and I have repeatedly identified accounts, transactions, and items that are not mine. This ongoing issue is deeply concerning and has caused me significant XXXX and XXXX.
Product: Debt collection

Citi Bank has called me a minimum of 3 times ( sometimes up to XXXX ) every day since XXXX XXXX. I realize that I do have an outstanding debt, but lost my last job after a medical issue and started another in the beginning of XXXX. In the time that I have been awaiting my XXXX paycheck ( so that I can pay them ) I have received calls every single day while I try to go about my life and do well in a new profession. 
I called them and was told that it is perfectly legal for them to call me that frequently when I owe them money, but I do not believe that is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report. 

I have two ( 2 ) student loans that are in default status, and XXXX is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this. 

According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX. 

They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Debt collection

On XX/XX/2022 @ XXXX, I was reviewing my XXXX XXXX Credit Report XXXX When I noticed a Collection that was unknown to me. 

Am Sher Collections Services is listed on my credit report for {$69.00}. The original creditor is XXXX XXXX. 

I called the phone number listed on the credit report - XXXX. At XXXX XXXX I spoke with a lady who would not give me her name. After giving her my name and Social Security Number she stated " We don't have a listing for your collection ''. 

This was reported to the credit report on XX/XX/2022. I was never notified of this debit. When I called to get more information I was told they don't have anything for me.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act Planet Home Lending has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCITON. 
This letter serves as a formal complaint that you are reporting inaccurate information and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reported accurately including every notation, date, balance whether reported or not. 
I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment ( s ) were not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if they lacking proof that these payment ( s ) were made late, please update the payment history to PAANL status ( paid as agreed, never late ) or remove the late payment history and mark it as paid according to consumer protection laws.
Product: Checking or savings account

In XX/XX/2020 there was a XXXX transfer on my account in the amount of {$500.00} Another in XX/XX/2020, another XXXX transfer of {$230.00} In XX/XX/2020, there was a XXXX transfer of {$160.00} And in XX/XX/2020, there was another XXXX transfer of {$100.00} Totaled {$1000.00} I called my bank and they denied my claim refusing to give me back my money
Product: Debt collection

I was contacted by Convergys debt collection stating I allegedly owed a debt to them and was asked to pay {$3200.00}. I told them I had never heard of them or never had any business with them. They explained they were collecting a debt for XXXX and they needed me to pay it. I contacted XXXX and I was informed they didnt have any of my information that the file had been sent to convergys in Texas. I have sent police report to XXXX in XX/XX/2020. I have repeatedly asked XXXX/Convergys through mail to validate what it is they are referencing. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Product: Money transfer, virtual currency, or money service

I had saved some money for cash app, then XXXX day when I woke up, all the money was gone. I was so confused and my card was locked so i don't know what happened. I had saved like XXXX dollars.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Tranunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.
Product: Debt collection

I sent a letter to the credit bureaus and to the decbt company and no one sent me anything to verify this infomation. I have called the credit bureaus and they told me that I needed to contact the company which I did. I asked XXXX, XXXX and XXXX and they would not tell how how they verified the information nor would they give me any other information on the phone or threw the mail. I am confused on how you report items on a person credit and can not say how it was verifed.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$92000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$39000.00} XXXX  XXXX - XXXX - {$1900.00} XXXX  XXXX - XXXX - {$280.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$570.00} Inquiry XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>
Product: Money transfer, virtual currency, or money service

XX/XX/year> wire transfer for a final mortgage payment ( {$1100.00} ) initiated from XXXX XXXX to XXXX XXXX account with Chase Bank. XX/XX/year> completed wire transfer confirmation. Wire transfer was rejected requesting more information. I was not contacted by Chase, XXXX XXXX, or XXXX XXXX about requesting additional information. 

After a full week of contacting XXXX XXXX who still did not receive the payment we ( XXXX XXXX agent and I ) contacted XXXX XXXX about the wire transfer. We were informed of the issue and I provided the requested information to XXXX XXXX to send to Chase Bank. 

Another week goes by and I contacted XXXX XXXX, they still did not receive the wire transfer. Also because the delay, the wire transfer is no longer the valid payoff amount. I then proceeded to do a full payment over the phone with my debit card. 

XX/XX/year>, I contacted XXXX XXXX to request that the wire transfer be refunded. As it is no longer valid and account it was supposed to go to has already been paid in full. 

XX/XX/XXXX I've still not received the wire transfer refunded. I've contacted via XXXX XXXX XXXX and informed them that Ill be file a complaint for Chase Bank and XXXX XXXX regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, XXXX XXXX XXXX will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since completion of my Chapter XXXX Bankruptcy ( ended XX/XX/XXXX ), XXXX / XXXX XXXX has done the following : Inaccurate credit reporting. 
Credit Reporting Errors. 
Inaccurate Payment History. 
Reported incorrectly on credit report and failed to remove the error. 
Failed to report payments to the credit bureau. 
Credit reports pulled without knowledge or authorization, and without reason for doing so. 
Harassing and illegal debt collection and credit reporting campaign designed to pressure the homeowners into paying more than what the mortgage contract allows. 
I have attached Transunion credit report. Page 3 of 9 shows XXXX reporting history. Page 6 of 9 show the pulling of monthly credit reports without my knowledge. XXXX XXXX was aware that there was a bankruptcy starting on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ILXXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX 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 am a authorized user so please remove from my credit because I am not responsible.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

PORTFOLIO RECOVERY {$1300.00} with High Credit of {$1400.00} On XX/XX/XXXX I sent a letter over to Portfolio Recovery after noticing an account on my credit. They sent me a response with a brief summary with a balance of {$1300.00} that came from XXXX XXXX. There is no date of first delinquency provided. Letter they attached with a header saying XXXX XXXX and Portfolio owns it and was transferred on XX/XX/XXXX with a balance of {$1400.00}. This letter is not signed or proves they own the debt as it does not even look legitimate and how can the balance they transferred it to be {$1400.00} but Portfolio shows {$1300.00}. Bills sent with a due date XX/XX/XXXX Balance {$1300.00} ( XXXX ) But no info on bills from XXXX. Just a statement with a balance of {$1400.00} ( XXXX. ) address this in yet another letter on XX/XX/XXXX within the same generic response and packet. 

There are too many inconsistencies and I addressed this yet to Portfolio in another letter on XX/XX/XXXX and yet no response.
Product: Debt collection

Creditor : XXXX XXXX Account number : XXXX XXXX Account # : XXXX Balance Due as of XX/XX/22 : {$220.00} Sunrise Credit Services , Inc . 
XXXX XXXX XXXX XXXX NY XXXX This debt is from a spectrum bill that was sent to a previous address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX The bill is not mine this bill belongs to XXXX XXXX who owned the apartment. The spectrum bill that went unpaid is from another person not me. 

The unpaid debt is not mine and the spectrum account is not mine. 

Please remove this negative charge from credit reporting and dismiss the debt because I do not own it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with XXXX XXXX with Equifax. I initially emailed the CEO because I noticed numerous accounts in good standing were being removed from my reports without any notification. I received an email back from XXXX to contact her. I advised her of what was showing on my reports and what was missing. She said she would do an investigation and would see about getting these missing accounts back on my report. Fast forward to XXXX, I tried to get my three fico scores from XXXX. I could n't because again Equifax was n't releasing my information. I contacted XXXX again who basically told me to NOT contact her again and to contact the regular customer service. Today ( XXXX ) I tried to get my updated scores through my subscription with XXXX and again Equifax is coming back with an error. I have n't gotten any real info from Equifax as to why this is STILL happening and WHY accounts in good standing ARE STILL BEING REMOVED. I think it 's absurb that I dispute accounts that are wrong and they come back verified but I do n't dispute accounts that are in good standing and somehow they are removed. I also sent proof that my student loans were n't late for a certain period and they have yet to fix that!