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

None of these addresses belong to me. I have disputed before and I never received any confirmation. Now Equifax and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX, TN XXXX Dispute this
Product: Mortgage

On XX/XX/XXXX I sent in {$37.00}, XXXX to Select Portfolio Servicing to be applied towards my monthly payments which would have covered a total of 12 months, since I already had a partial credit on my account. That means my next monthly payment would have been due on XX/XX/XXXX. Since then I have had nothing but trouble. It began with a phone call from SPS Mortgage saying I was past due on my account for the XX/XX/XXXX payment. I let the representative know that the large payment was to be applied to my monthly payments, representative said okay and she would take care of it. Over the next several months I had several phone calls and letters saying I was past due. I had to continue explaining how the payment was to be applied to several representatives and managers since SPS Mortgage kept reporting me as past due. I was always reassured by Managers and representatives that this would be handled. When the calls continued and past due letters kept coming I finally requested my money back. SPS Mortgage stated they are unable to refund me my money nor can they apply the money towards my monthly payments and that I am now being reported to the credit reporting agencies as past due. I am also to resume my payments or my home will go into foreclosure! I didn't know what to do so I sent in 2 more payments in XXXX of XXXX to cover the past due months and SPS Mortgage is now expecting me to make my next payment on XX/XX/XXXX. My credit report is down by XXXX points because of the past due reporting which is now affecting my other credit accounts and I can not afford to keep making these double payments. SPS Mortgage didn't seem to care and let me know that if I don't then my home would be reporting as past due, continue getting late fees and added interest and go into foreclosure. Please Help!
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : Grain technology
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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

After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file XXXX  and Experian when XXXX  XXXX XXXX remove this violation please send me a updated copy of a credit report
Product: Debt collection

This debt was already removed from credit months ago because its not mine. The collection agency sent a letter to me ( see attached ) stating I owe XXXX and I never had a account with them
Product: Debt collection

They keep calling asking for a XXXX. I told them many times that the number theyre calling does not belong to her. I asked them to take me off their calling list, Midland Credit said they will but they keep calling and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to remove old addresses and phone numbers not connected with my current credit history and they have repeatedly denied my request. Also since calling and providing them with my most current living address they have started to mail reports to a prior address. I have informed them that I do not live there anymore, but they still send information to that address. I considered this a breach of personal information. 

They are sending my personal information to someone else and refuse to use my current address and I feel that this could affect my livelihood. I have called their customer service, who was extremely rude and unhelpful, to ask them to take off the old addresses and contact information and use my current information but the person on the phone only added my current address nothing else. When I asked her to take all the other off she got snappy and kept cutting me off. I have been in dispute with them for about 5 months now and have sent letters with my current address and identity confirmation, but they claim that what they have is not enough. 

I have the right to request the removal of old information and have been denied. I do not appreciate them ignoring my concerns and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$5800.00} 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 or other personal consumer reports

Upon reviewing my credit reports XXXX, XXXX, Experian, XXXX and XXXX are showing a Bankruptcy that was reported fraudulently on my reports receiving a letter for the United States XXXX XXXXXXXX, clearly stating they do not provide any information to the credit bureaus, therefore reporting this is from a XXXX XXXX XXXXXXXX is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what being reported on all 3 credit bureaus and probably XXXX and XXXX is incorrect information. Its being reported as XXXX.
Product: Debt collection

XXXX XXXX XXXX  is trying to scam {$590.00} out of me saying that it is owed from a company called CashNetUSA. They are saying that I am past due on a loan from XX/XX/2021. I have not used CashNetUSA in over 7 years! I have asked them to provide me with paperwork showing the loan and me signing off on the loan, then they proceeded to hang up on me. This is completely baseless and insane that a company can act this way and affect my credit with this nonsense!
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was paid and closed but still shows as negative on my report
Product: Prepaid card

I got an email 1 day before I was supposed to receive my direct deposit stating that they are updating their account and everything should be fixed as of XXXX that day. The next morning my direct deposit was not on my account got to work checked with my employer and checked my paystub and it shows that they did indeed pay me. I told this to the customer service rep and he said they have maintenance issues and are working to fix the problem i asked what happened to my money and he had no answer for me. I have bills due and i have i 'm now jipped out of {$700.00} that i worked hard for, please help me get my money back and SHUT DOWN RUSHCARD
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX : {$630.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Credit card or prepaid card

I had a Citi account closed without my knowledge or consent in XX/XX/XXXX. I had received an offer for XXXX bonus miles for opening a Citi AAdvantage card in XXXX XXXX. I had called and confirmed with a Citi representative on XX/XX/XXXX that the account closure would not disqualify me for the bonus I was being advertised. I was ensured that it would not disqualify me. The representative left specific notes about our call referencing the offer. I followed up on XX/XX/XXXX as I did not receive the bonus offer as of yet. The representative I spoke with was easily able to track down the notes from my XX/XX/XXXX call and, after reviewing the notes, reconfirmed that I would be eligible. She submitted a request for an investigation. I received a letter dated XX/XX/XXXX that stated I would not be awarded the bonus points advertised to me and promised me. I followed up on the letter today, XX/XX/XXXX to attempt to resolve this issue. I am now being told no record can be found of the XX/XX/XXXX call and that I would not be eligible. 

I attempted to contact XXXX XXXX, the VP responsible for the AAdvantage credit card program, at Citigroup on XX/XX/XXXX as well and did not receive a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE JUST NOTICE THIS INACCURATE ACCOUNT REPORTING ON MY CREDIT REPORT AS OF XX/XX/2023. I HAVE NOT AUTHORIZED ANY OF THESE INQUIRIES OR ACCOUNTS DEOGRATORY OR IN COLLECTIONS. AS XXXX IN THE PROCESS OF PURCHASING A HOUSE AND THIS IS STOPPING AND SLOWING THIS PROCESS. I WOULD LIKE FOR ALL INACCURATE INFORMATION TO BE REMOVED FROM FROM XXXX REPORTS XXXX CREDIT BUREAS ASAP PERMANENTLY AND INDEFINITELY! THANK YOU
Product: Credit reporting or other personal consumer reports

experian, XXXX & XXXX are reporing in accurate ifnromation i have been going back and fourth with these comapnies to remove the inacuurate negative items that have been reported Address : XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX The Only address that should be reported on my report is XXXX XXXX XXXX XXXX i demand it should be updated Immediately. 

Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing a complain and suit as well. there is an attatched dispute as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a complaint because Transunion supplied a creditor- XXXX XXXX  with credit scores that were not accurate. I called and wrote to XXXX XXXX Transunion to try to resolve the matter. XXXX held the position that the information provided by Transunion was accurate and as a result determine my creditworthiness was poor and refused to reopen the account nor reconsider reopening the account until I provided them with the credit report from Transunion which would show my credit score from XX/XX/2022. I then called and wrote Transunion and requested a copy of the credit report from XX/XX/2022- the same one supplied to the creditor XXXX XXXX They claimed they do not have back dated credit reports and could only supply me with current credit reports from XXXX. I explained the creditor would only reconsider reopening the account if I provided them with my Transunion credit report from XX/XX/2022. So I contacted the CFPB in an effort to obtain the credit report forward to the creditor - XXXX XXXX dated XX/XX/2022. To date Transunion still has not provided me with the credit report for XX/XX/2022 and therefore my XXXX - XXXX XXXX account is still closed. Now CFPB has closed the complaint and I still don't have anything more than what I started out with and this is almost 3 months later. Transunion should not be allowed to provide creditors with false credit scores and then refuse to supply the consumer with the same record forwarded to creditors. Creditors use the reports supplied by Transunion to make a determination when decided to keep accounts open/ or closed and whether or not extend additional credit to consumers. They reported credit scores that were not accurate. They should be held accountable and required to supply consumers with their reports. I have asked for the reports and no one will listen. Instead they provided me with XXXX or XXXX 's credit report knowing I need the report from XX/XX/2022. They are well aware I need the report to have my account reopened. They know they misrepresented the score and refuse to do the right thing by providing me with the report given to the creditor. If we are to trust credit bureaus then they should be held to some level of standard. They should not be allowed to misrepresent consumer credit scores to creditors then when you call them out on it. They just disregard your request and carry on with business as usual after they destroyed a consumer 's creditworthiness just by submitting inaccurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

I received a letter from debt collector Jefferson Capital on XX/XX/23 requesting {$8200.00}. I have no knowledge of doing business with Jefferson Capital, so I mailed the CFPB debt validation letter certified on XX/XX/23. On XX/XX/23, I received a response from Jefferson Capital dated XX/XX/23. The information sent to me was unresponsive to my demands. I requested proof that I owe money to Jefferson Capital. The verification wasnt proof I owed them. In fact, Jefferson Capital isnt listed on any of the papers sent to me! The verification doesnt even address the amount Jefferson Capital is asking that I pay, proof that I am even obligated to pay the alleged debt, or evidence that Jefferson Capital owns the debt. The letter also stated Jefferson Capital was not reporting this account to any credit reporting agencies ; however, on XX/XX/23 ( the same day I received the letter ), I was notified by 3 credit reporting agencies, XXXX, XXXX, and XXXX, that this unvalidated debt was added to my credit report as a collection. I asked Jefferson Capital for straightforward items, and they refused to give them to me while continuing collection activities. I am applauded by the blatant disregard for the law. Especially 1006.38 ( d ) ( 2 ) ( I ).
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX OF XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 # XXXXPer section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 





Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts ; XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance has not reported on credit report since XX/XX/2022. Vehicle has been paid off and XXXX has not updated balance. Due to lack of reporting my credit score is effecting me in trying to get a mortgage.
Product: Credit card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Wells Fargo Bank, Consumer Credit Solutions, Credit Bureau Dispute Resolution, XXXX XXXX XXXX, XXXX XXXX, IA XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Wells Fargo Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX