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

Ive contacted Experian numerous times subsequent to my identity being compromised. This with submission of FTC and Police Report with statements supporting date of invasion and theft. 

I was told that I needed to upload formation for removal. I did this however disputes return as updated on this XXXX XXXX account. 

I spoke to XXXX twice in Loss Prevention Fraud At XXXX XXXX. Since this account was paid in error. I explained this several times that it was or is one established on fraudulent basis and needs to be treated as such and removed. Both CRA Experian stated in order for them to remove it I needed to submit supporting documentation. Ive done so and it yet remains. 

This violates every consumer protection law as with those therein coinciding enforced by FCRA Ive once again resubmitted a dispute with Experian for removal. 

REPORT NUMBER # XXXX XXXX XXXX EXPERIAN XX/XX/22 In hopes this CRA will comply to the guidelines laws to protect me as a compromised consumer and Remove this account XXXX XXXX from my Credit Profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing because XXXX XXXX facility has paid medical bills through North Carolina Medicaid on my behalf. However certain accounts were left off of the billing cycle. During this time frame myself and newborn recieved medical services from North Carolina Medicaid. The accounts are as follows : $ XXXX XXXX, XXXX XXXX $ XXXX XX/XX/XXXX The company refuses to provide me billing information dating to the times I was pregnant and a client up until my XXXX was released from the XXXX. In which the XXXX bill was covered by Medicaid which range from XX/XX/XXXX-XX/XX/XXXX. 

2nd company- XXXX Department of Social Services I applied for XXXX Medicaid XX/XX/XXXX, verification of XXXX was requested by department of XXXX Social services . I provided verification on XXXX of XXXX. I was sent an approval letter. The department of social services can not locate or providde a copy of the approval letter. For XXXX or family medicaid.
Product: Debt collection

JH Portfolio i s attempting to collect a debt on behalf of  XXXX   XXXX . I did not receive a right to dispute the alleged debt. I s ent JH Portfolio a  validation of debt letter and they sent me a bill as validation of debt. I sent them another letter on  XX/XX/2017    asking them to validate the debt as a bill is not validation. I also asked them to send me a copy of the agreement between the company and myself where I stated I agree to pay the alleged debt. The company has not responded.
Product: Mortgage

My lender, Ditech is not applying my payments to my principal balance and are charging me fees they make up themselves this has been going on for 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

The web portal to freeze/unfreeze my Equifax credit report ( on my.equifax.com ) does not work half the time. It is XX/XX/22 at XXXX pm eastern and it has not been loading for at least XXXX minutes. There is no error message- it just keeps loading. 

I am a software engineer and I know it is not my system 's fault. I have tried multiple browsers and machines. 

I have found it not working several other times this year ( and I only check it several times a year ) The automated phone line is also not working, so I have to wait until business hours to unfreeze my account. 

I believe that they intentionally do not support it in order to steer unwitting consumers into paying for their credit locking product, which would provide no purpose if their credit freezing tools worked. They use a lot of misleading wording on their website to steer people towards that scammy service.
Product: Debt collection

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$330.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have disputed a credit card that I have never opened its on my equifax credit report. The credit card company says its mine but I never opened a citi bank credit card nor have authorized to be an authorized user someone did fraud and used my information. Even though they are paying I dont want an account I never opened on my credit report that is fraud. The acct number that appears on credit report is acct ending in XXXX. Please remove as this is fraud.
Product: Debt collection

I did not consent to authorize nor benefit from the following account ( s ) Pursuant to 15 USC 1692g I have not received a proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with Fair Credit Reporting act XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instruction.
Product: Checking or savings account

I didn't have really the right options to choose from in trying to discribe my complaint. With the exception of XXXX, and XXXX of XXXX Every month my account has came up short on my money from my S.S.I., and my Social Security check. This situation has been going on every month of each year beginning with XXXX up thru present XX/XX/2022. I bank with Wells Fargo. I know that there are employees of Wells Fargo that have to be involved. I asked a teller one day at one of the branches a question. Given her responce I knew for sure then I was right. I have been having a lot of issues with a lot of equal rights as well. I don't know what is going on but it's horrible. Hacked into phones. I have been trying to contact someone in Washington in regards to the Civil Rights issues with no luck. I written two very discriptive long letters. I don't believe my mail was even delivered. I was charged around {$15.00} to send it to were the addressee had to sign for it ( certified ), I believe is what is was called. I never recieved the paperwork I should have to ensure delivery. I reside in XXXX XXXXXXXX XXXX area. Please I really need your help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$XXXX} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me. 

Best regards, XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a Qualified Written Request to " Specialized Loan Servicing '' on XXXX XXXX, 2016 to request a deletion letter for an item on my credit report and they failed to send me a response. The first time I called on XXXX XXXX, 2016, the representative told me just to submit a QWR and it should be no problem to delete the item since it is an error. I asked if it was OK to send by FAX. She said yes and gave me the SLS FAX number to send it to. 

A few days later, I called to make sure they received the letter and the rep said yes they received it and would have a response for me within 30 days. After 30 days had passed, I called to check on the status. At that time, they told me they had 30 business days to respond. 

On XXXX XXXX, I called again to check on the status. They said a letter was generated on XXXX XXXX and sent out. I told them I never received it, and they said that there was an error and they would have to send it back to their credit dispute department. I asked for a manager to call me. No one ever did. 

On XXXX XXXX, I called again and got the same run around. I asked to speak to a manager but no one was available again. They told me once again that a manager was going to call me back but no one did. I have not received anything from them. When I asked what address they sent the letter to, they could n't tell me. My current address is clearly printed on the Qualified Written Request letter. I also included 1 ) my credit report and 2 ) my marriage certificate with my name change, which SLS requested when I spoke to them the first time. 

SLS information is as follows : Specialized Loan Servicing XXXX, CO XXXX FAX : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Target Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX XXXX Filed a Power of Attorney for me with Comenity Bank for my XXXX account. I had additional accounts with Comenity Bank, which included : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX applied the XXXX to all accounts and refused to accept my payments to them. After months of going around in circles, I finally realized what had happened. XXXX wrote a revocation of the XXXX for the remaining accounts and sent it to Comenity. I also sent a written request with Comenity requesting that they do the same. Comenity refused to honor my request and then sent matter to XXXX XXXX XXXX. Comenity is inaccurately reporting to all XXXX bureaus. They are reporting me as having revolving accounts and also sent to collections for the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They can not report me both ways. It is illegal and killing my credit. This is not right
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Bank, XXXX abuses customers reports XXXX. I was flooded in XXXX XXXX and Wells Fargo is refusing to cash my insurance check and give me my proceeds. When I reported my loss to Wells Fargo and I was told I would get an insurance check with both my name and the Bank 's. I was to take the check to a local Wells Fargo XXXX and they would release the majority of the money to make it easier on me. Then I was given a website insuranceclaim.com/wellsfargo. I registered was asked for XXXX documents which I uploaded. The next time I tried to log in I was refused access. I had to call a special number ( XXXX tracking number XXXX ). 

Now I am told they want an additional XXXX pages of documentation which I can FAX OR MAIL. Who is running this bank... old men with flip phones? Then they told me I was to endorse the check and MAIL it to SOUTH CAROLINA. Then they would send me and my CONTRACTOR a check. If I still have a contractor when they get their act together. 

I have been assured they have not cashed the check and are letting it sit in a corporate escrow account earning interest for the BANK. I do n't believe it. Between here and Florida if there are even XXXX checks for an average of {$50000.00} that is some serious money. Of course they are holding it as long as possible. They have given me no time line as to when the funds will be released. In the meanwhile every day I sit doing nothing to the restoration of my home I am exponentially delayed in completing the project. I have waited XXXX week and I think that will cost me XXXX weeks in getting back into my home. 

They are so sorry I am upset and frustrated. And they spout the same procedural information over and over. I have posted on facebook and they did the same thing during XXXX XXXX. They have a corporate culture of using consumer as fodder for corporate profit and have no desire to do the right thing. 

They have a proven pattern of abuse and it needs to make the news.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive send certified letters to the companys listed below asking them to validate this debit. I have not as of this day received anything back in writing validating the debit.
Product: Debt collection

This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).
Product: Credit reporting 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. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

On my credit reports it is listing inquiries that I did not authorize. In the month of XX/XX/2023 it was a total of XXXX inquiries from mortgage companies. I tried reaching out to XXXX to get information from the inquiries as well, and they told me they can not assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report, that were made withou my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1b ), there are specific permissible purpose for obtaining a credit report, I did not authorize these account and can not f any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX