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

According to 15 U.S.Code 1681i ( 5 ) ( A ) ( i ), each reporting agency is supposed to report the same accurate information. After many attempts to rectify this problem, the reporting agencies still won't delete the inaccurate information. All three bureaus are reporting different things within my accounts. I would like to have them deleted.
Product: Mortgage

I contacted the below company/agent : XXXX XXXX XXXX XXXX XXXX Originator Office : XXXX Email : XXXX Fax : XXXX NMLS : XXXX | XXXX Licensing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX XXXX XXXX called me to help me find a good mortgage deal for my refinance with cash-out. 

He had me give him all my private financial records and after that that he asked me for a credit card to charge me for a credit report. He did not disclose upfront that it will cost me to have him check my credit. 

But that was not the main problem I had with him, from XX/XX/2022 to XXXX, he refused to provide me with a " Loan Estimate '' unless I give him the the Loan Estimates I received from his competitors who I was working with. 

He tricked me to give him my SSN and he registered a hard inquiry on my credit report for no reason what so offer. He should not have taken all my private financial information and then ask my for my credit card without being upfront. And I didn't need my credit pulled for no reason and without providing me with any help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 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 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

- have mailed several disputes to Experian that is belligerently refusing to abide by XXXX, XXXX, and XXXX as cited in attached copies of letters sent in XXXX XXXX by certified mail. 
- As shown in their response received XX/XX/XXXX Experian has not provided requested documentation they are required to have evidence of in their possession. Instead they rely on heresay from creditors ( XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX has gone as far falsifying the date this account was opened ( XX/XX/XXXX ) as a means of continuing to report this account that does not belong to me. Please be aware that I was in XXXX XXXX, NY in XX/XX/XXXX, - These accounts have been disputed repeatedly since XX/XX/XXXX. 
- Experian has also belligerently refused to correct my personal information repeatedly. 
- attached are the documents with statutes, policies, and laws applicably cited and not followed by Experian
Product: Credit card

To Whom It May Concern : I noticed in my consumer report there is a collection account Radius reporting to my credit report by the three major credit reporting agencies. The collection reporting is illegal according to section 18 USCB, FCRA, and Section 1681. 

The collection company that is reporting this fraudulent information is Radius I do not own this account, nor do I have any knowledge of this account. Radius is violating my consumer privacy rights. 

Im requesting that Radius cease and desist from reporting fraudulent information to all three major reporting credit agencies.

In addition Radius is not licensed or bonded to operate in the state of California. In addition Ive included the IRS cancelled debt income general rules. Radius is in violation of my consumer privacy rights as stated in Section 1681 of the Fair Credit Reporting Act ( FRCA ), as well as illegally attempting to collect a debt that is fraudulent, and illegally practicing debt collection in the state of California that Radius is not licensed or bonded to do so. 

I hereby assert that XXXX XXXX debt collection agency has violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically due to this collection. This action has resulted in significant financial harm and emotional distress. If this matter is not corrected immediately, I intend to seek litigation Radius to pursue damages and ensure accountability for their actions. 

I am formally requesting that Radius promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681, and 18 USCB theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 

Account number : XXXX I look forward to your prompt response, Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX XXXX, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX account number : XXXX and XXXX XXXX XXXX account number : XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, and XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX and XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, and XXXX XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX, and XXXX XXXX XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX, and XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, and XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. XXXX XXXX XXXX, and XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX equifax and XXXX is not an affiliate of XXXX XXXX XXXX, and XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

fedloan only has XXXX fax number which I have been trying to fax over documents to them for over 1 month now and the fax number does not work. When I called they stated they only have XXXX fax number. For a company that services millions of loans & they can not afford a 2nd fax number is crazy. I have never heard of such a thing. I have tried faxing in the middle of the night to try to get my documents to them. I tried different fax machines. I have tried everything under the sun to try & fax them. While I was on the phone talking to them to complain about their fax number I had faxed them over 15 times & they were all rejected. That is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX APT XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX THESE NUMBERS DON NOT BELONG TO ME PLEASE DELETE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Debt collection

statements, contracts I treated that this Co. Global Client Solutions LLC is a company that stole my money, and my wife with out my authorization. we were victims of unscrupulous an unethical practices. 
I spent to have a result soon looking forward for a solution to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from capital one and XXXX XXXX bank and I have duplicate inquiries from XXXX XXXX and XXXX XXXX
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 : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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 card

My mother has stolen my identity and has used a credit card in my name and there's a large balance and my mother isn't paying it.
Product: Vehicle loan or lease

I had a Auto Loan account with GM Financial. My vehicle was repossessed and sold in 2016. I never received a letter giving me the breakdown on what the vehicle was sold for and the balance. The vehicle was sold for more than what was owed. The balance showing on my credit report is incorrect and needs to be updated and/or removed. I have contacted GM Financial and they has refused to send me the letter showing the total breakdown of the vehicle cost and sold price.
Product: Credit card or prepaid card

on XX/XX/2023, i went to the XXXX gas station and used my Discover credit card to get some gas for my car I believe I left the card out on the counter of gas station or fell out from my pocket. on XX/XX/XXXX I went to my discover app to pay my monthly payment and I discovered there were lots of charges over XXXX dollars of unauthorized charges on my discover credit card. so, I went to call discover and were looking for my card and i couldn't find my card. so, I immediately contacted Discover where i found the number from internet and i spoked to customer service and i told them what exactly happened and they asked me if i have my card which i told them no, they asked me if the charges were mine and i told them no and they said they will remove charged for me and closed the account and send me a new card. I asked the customer service at that time if i need to file a police report and she told me no i don't need it. This Sunday i looked out on my statement to pay my card and realized all the charges are back on the card. I decided to file a complaint to local authorities that's what brought me here today. Please help me with this stressful situation. Thank you.
Product: Debt collection

I received an email from XXXX XXXX that there was a new collections account from XXXX XXXX XXXX asking did I recognize this lender. The company is reporting this information to XXXX and XXXX. I responded " no '' I have never had credit with this company. Upon filing a dispute with both credit bureaus, XXXX stated they purchased the alleged debt from United Holding Group I LLC. I contacted United Holding Group I LLC and requested information on the alleged original lender to no avail. Neither company can confirm the original company. I checked my old credit reports ; however, I do not see any of these companies nor did I see the approximate amount they are saying I owe which is {$3500.00}. If there is such a company, it is probably more than 10 years old and should be removed between 7-10 years of being on my credit report.
Product: Checking or savings account

Wells Fargo refused to investigate my disputes. They simply just say that I made the transaction and therefore they are valid. When in fact they are NOT valid charges. Wells Fargo have NOT even contacted the merchant for my claim
Product: Credit card

XXXX purchased a previous identity theft fraud account from XXXX. Over 2 years ago, I filed an Identity Theft Affidavit with the FTC to have this debt removed along with a police report from XXXX, Ga Police Department. They have refused to remove this debt and basically ignored FTC documents that were submitted. Since then, I have filed another Identity Theft Affidavit with the FTC and notified all XXXX CRAs. My Identity Theft Affidavit number is XXXX. I sent them copies of my identification and identity theft affidavit. 
*Additionally, I do not want a copy of my stolen driver 's license and stolen checks that the thieves apparently used when they opened this account. That means absolutely nothing as it relates to debt validation in regard to identity theft. That is essentially why it is called identity theft because someone has stolen your identity and acting as you. XXXX seems to believe a copy of your drivers license or checks where the thieves made actual payments means the debt is yours and you are not a victim. That is not ethical business practice and it needs to stop immediately. 
I am requesting that the XXXX XXXX tradeline be deleted from XXXX, XXXX, and XXXX within 7 days or I am proceeding with legal action against XXXX, XXXX, and all others involved in this fraudulent business practice. 

Sincerely, XXXX Account # XXXX
Product: Credit card

I called XXXX XXXX customer service and complained that I couldn't use a coupon of XXXX XXXX for the items in the cart. She stated that the black friday deals did not apply to the coupon. I asked her to show me where and she then placed me on hold and went to speak to a supervisor. When she came back she mentioned that the deal of the day applied to the black friday deals and I could not use the coupon. I went further to let her know that this is misleading because the coupon does not state that it excludes black friday deals. I told her that I was writing a letter to you and she hung up on me. This happened on XXXX XXXXXX/XX/XXXX @ XXXX ET.
Product: Mortgage

I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!
Product: Credit card

On the date of XX/XX/year>. I received a notification for a possible fraudulent charge on my credit card. When receiving the text I confirmed that this was fraud through the automatic text system. I confirmed the charge XXXX minutes after receiving the text message because my phone was on silent. I then called and reported that this was a fraud charge to the bank immediately after receiving the text message. They told me to wait and that the claim should be examined and resolved. Instead of closing my account and restricting access to my credit card, the opted to send me a new credit card. I called my personal location of banking where I used to live for an update on XX/XX/XXXX and they said it was denied. I then called the bank ( KeyBank ) and waited on hold, and was hung up on and had to re call. I then got ahold of somebody and they said the claim was denied because it was an authorized payment. I exclaimed that it was not, the company that apparently charged my card, does not exist anywhere in my area. The charge also came out of XXXX, Illinois. Which is XXXX and a half hours from my current address. I also explained to them that the person who made unauthorized charges on my card attempted to charge my card {$3000.00} dollars twice, but the second did not go through because of the credit limit on my card being {$5000.00}. I also explained to them that the company does not exist if you google it anywhere or would have a contact number to contact the business. They claimed they would re look at the case and call me back. The other issue is for an actual product I purchased earlier in the month, sent me a refund for {$100.00} to that card, that I can not access because of this fraudulent activity on my credit card account. So Im being withheld {$100.00} because of this fraudulent claim not being taken seriously. 

I did not authorize this charge of {$3000.00}. 
I do not know the company affiliated with charging me {$3000.00}. I can not find the company that charged me this anywhere on XXXX maps, or any contact information. This company attempted to charge me another {$3000.00} on the same day as the processed {$3000.00} charge, but could not complete because my credit limit is {$5000.00}. I do not have the ability to travel to XXXX IL to make this purchase because I do not process a vehicle to get there.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of fraudulent accounts and unauthorized inquiries listed below from my credit report. As a victim of a data breach, my personal information has been used without my authorization to open or access these accounts. I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items blocked and deleted. 
Fraudulent Account to Block and Delete XXXX. XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$32000.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  XXXX  - Date : XX/XX/XXXX XXXX. XXXX  XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Debt collection

I am late on a bill, and the payment is scheduled. However, I am receiving excessive phone calls from this company. Today I have received phone calls as follows : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  This is in addition to being emailed multiple times throughout the day.
Product: Debt collection

this is a cell phone number and when I answer they say it is regarding a debt of XXXX XXXX