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

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

These inaccuracies have negatively impacted my credit score and have caused significant financial harm and emotional distress. Despite my repeated efforts and mailing the credit bureaus my dispute letters to correct these errors, they have not fulfilled their legal obligations under the FCRA. Moreover, their failures to investigate these disputes thoroughly is in direct violation of federal law, as illustrated in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/XXXX }, you may be liable for your willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Bankruptcy - XXXX Your failure to correct this misinformation violates the FCRA and has caused significant harm to my credit profile. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXXXXXX ) highlights the credit bureau 's duty to remove inaccurate information once a dispute is raised and verified to be inaccurate. I demand the immediate removal of this incorrect bankruptcy entry. 

Thank You,
Product: Debt collection

My ex wife was contacted by XXXX XXXX XXXX with an urgent message for me to call them In regards to a legal matter. When I called them they said I owed {$2200.00} for a loan I got from ACE Cash Express back in XXXX and that I was going to be sued for writing a bad check. Thru tried to get me to settle the matter for {$1300.00}. They had my birthday, SSN and email address. I told them I would call them back after I looked into this. I did not take out this loan. I called them back after doing research on their company and saw that they have had numerous complaints about this issue. I left a message for them to call me back, stating I was going to file a complaint with you. Im not sure how they got my info or my exs number.
Product: Debt collection

I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My complain is about late Mortgage Payment from United Wholesale Mortgage Company. 
It States that my daughter was late for this month. 

The XXXX XXXX  company sold the mortgage to United wholesale Mortgage. But my daughter received letter from UWM that they received the payment on XXXX XX/XX/XXXX. 

I was a co-signer for this mortgage. my daughter pays her bills. 

Info for UWM loan number- I have only the last 4. XXXX Tel # XXXX My second complain ia about the XXXX XXXX XXXX I canceled our agreement in XX/XX/XXXX and received a confirmation letter from XXXX dated XXXX XX/XX/XXXX. But I have a report on my credit report that I was late from XXXX XXXX. Which totally I don't agree Info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Tel # ( XXXX ) XXXX
Product: Debt collection

ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights. 



Details of the Fraudulent Account : Account Name : XXXX XXXX XXXX Date Opened : unknown As stipulated under Section XXXX of the FCRA, I have attached the following documentation to support my request : XXXX. A copy of my government-issued identification. 





XXXX. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 





XXXX. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of XXXX business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX ridge XXXX XXXX Georgia, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote XXXX several times asking them to remove inaccurate information and accounts that appeared on my credit profile, I am stressed and concerned that I am fighting a uphill battle alone against XXXX XXXX XXXX. Its not fair loosing sleep at night knowing you are a noble citizen of this great country. I have been failed the law is definitely not on the side of he American public, Im ashamed and very disappointed to not have the support that I ask, these inaccurately decisions made by the credit bureau should not be a final say, it should not take the credit bureaus over 69 days to investigate and choose not to inform me of the investigation
Product: Debt collection

Subject : Cease and Desist Letter Regarding Alleged Debt To Whom It May Concern, I am writing in response to your attempts to collect a debt that you allege I owe to JEFFERSON CAPITAL SYSTEMS. After reviewing the information provided by your company, I have found that you were unable to furnish documentation of the Date of First Delinquency ( DOD ) for this account. Additionally, no agreement exists between myself and your company that would establish a legal obligation for me to pay this debt. 

In light of these issues, I am hereby requesting that you cease all communication with me regarding this alleged debt, as permitted under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, under 15 U.S. Code 1692c ( c ), you are required to stop contacting me unless it is to notify me that further efforts to collect the debt are being terminated, or to inform me of specific legal remedies your company intends to pursue. 

Please be advised that if you continue to attempt to collect this debt without providing the necessary documentation, I will not hesitate to take legal action to protect my rights. 

This letter also serves as formal notice that any further communication from your company should be in writing and should be limited to legal notices as outlined above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX Personal Information to Correct : - **Incorrect Date of Birth : ** XXXX - **Employer Listed : ** XXXX - **Incorrect Previous Address : ** XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accounts to Remove : - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections to Remove : - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries to Remove : [ Please list inquiries you would like removed ]
Product: Checking or savings account

My Federal Credit Union Checking Account has been hacked! 

1st- XX/XX/2021 POS Pinned Purchase InstaCash/Repayment XXXX  XXXX  XXXX {$350.00} 2nd- XX/XX/2021 POS Signatured Purchase MONELION XXXX XXXX {$500.00}
Product: Debt collection

First they said they can fix this with a phone call and a couple documents. When I called to send over the documents they changed their minds and told me I need different types of documents and that they couldnt do anything to change the fraudulent collections account. 

They only replied on here with helpful information. But when I contacted them they didnt seem to care or help. They are still reporting fraudulent collections AFTER I sent the required info. I proved my identity and submitted substantial evidence proving my claim and my identity and nothing has changed. The employee involved on the phone was also rude and unprofessional. She didnt know what the CFPB was and I had to explain to her. She still couldnt believe me. Her name is XXXX she needs to be held accountable as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX submitted dispute with Equifax regarding XXXX XXXX XXXX XXXX DBA XXXX, that is listed on my credit report. 

When my son first received the email from XXXX on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX XXXX employees only sent emails to my son. 

I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. 

XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.
Product: Mortgage

CMG MORTGAGE INC ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX Not Received Tax Refund for Overpaid Property Taxes for the Following ; Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & {$1300.00} = {$2500.00} Year XXXX - {$1200.00} & XXXX = {$2500.00} Total Amount Not Received = {$7600.00} This company CMG Financial  Services Corporation services my loan for the tax years of XXXX, XXXX, XXXX I reached out to the assessor office to for my tax exemption and realized that I could have qualified for a higher exemption. The Tax Assessors office allowed me to back date my exemption to the year XXXX. I completed the paperwork, submitted it to them, they processed it. I have verified that the XXXX XXXX Tax Assessors Office completed my XXXX Veterans Exemption backdated to the year XXXX. 
The XXXX XXXX Tax Assessors sent Claim Forms to the business on XX/XX/XXXX for the mentioned amounts owed. I cant get this business to resolve my refund issue. They are holding money that is due to me through a refund for overpaid property taxes and will not forward me my money. 
I sent an email to the XXXX XXXX Tax Assessors to check the status of my refund. I was informed by them that Claim forms was emailed to the companies that made the tax payments for the property taxes. 
The XXXX XXXX Tax Auditors Office verified that funds were released for my over paid taxes to business on XX/XX/XXXX
Product: Credit card or prepaid card

Someone applied for a credit card with Comenity Capital Bank under my name I was issued at hard inquiry from the credit bureaus. 
I have received a letter from Comenity the the account has been closed upon finding out the the account was opened without my authorization.

I like to have the hard inquiry erased from my credit report as I am in the process of buying a house.
Product: Credit card or prepaid card

On XX/XX/2017, I transferred XXXX Membership Rewards points into my XXXX XXXX account ( transfer partner of American Express ). I tried to book a ticket using these miles for myself that night and received an error message. I tried again later that night and received the same error message. I was then locked out of my XXXX XXXX account the following day. I contacted XXXX XXXX and received a response that my account was locked due to inconsistent activity. None of my activities were out of the ordinary and from doing some quick research, it seems that XXXX XXXX has been specifically targeting and locking accounts with membership rewards being transferred in. At this point, I can not get in contact with XXXX XXXX customer service as the only avenue of communication I have is an email address they provided me for account audit communication, which is unresponsive. I spoke with American Express customer service and they refuse to reverse or refund the transaction. American Express should be liable as this same issue is ongoing yet there is still no resolution from American Express regarding the abuse by the XXXX XXXX program. At this point, I am locked out of access to my XXXX XXXX XXXX points ( Equivalent to at least {$1000.00} USD ).
Product: Credit card

I received a Wells Fargo Active Cash Visa credit card in the mail. 
This happened a few days after being on a website and suddenly receiving XXXX SPAM emails. I deleted all the emails. 
2 days after receiving the credit card, I received a statement form Wells Fargo. 

I did NOT orally request a credit card from Wells Fargo. 
I did not request a card in writing. 
I DID NOT fill out an application for any credit card. 

They claim that I received the card because the used a credit report from XXXX. 
I did not authorize any credit report from anyone! 

I saw many reports that said Wells Fargo has a history of illegally sending unauthorized, unsolicited credit cards and that they have been fined in the past. The fines didn't seem to matter?
Product: Vehicle loan or lease

I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates. 

I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.
Product: Prepaid card

the company American Express Prepaid card keeps telling me it's being processed. 
I submitted a payment on XX/XX/2024 and XX/XX/2024 for a total of {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry someone else tried to use my information in social to apply for credit. This inquiry does not belong to me. Its a fraud. 
The inquiry is XXXX XXXX point address XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX ZIP Code, XXXX phone number XXXX The inquiry, was on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with Equifax. please remove all information listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CONVERGENT OUTSOURCING, INC. for committing identity theft. I have never given CONVERGENT OUTSOURCING, INC. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CONVERGENT OUTSOURCING, INC. can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CONVERGENT OUTSOURCING, INC. continues its collection efforts, I will file for litigation for actual damages caused and CONVERGENT OUTSOURCING, INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxx XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and Midland Credit have my accounts and I contacted them several times and still have not received any response. It's been a lot longer than 30 days and go as far back as XX/XX/year>. I reached out every month.I never gave any permissions for the accounts to be sold. They are also showing Open and Collection. From my understanding this is incorrect. I want these items off of my report.