23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on or about XX/XX/XXXX I was trying to refinance my home. My mortgage was currently held by Quicken loans. I called the XXXX business office and was referred to their Arizona office. In the meantime I searched reviews on my pc about Arizona Quicken loans and they were negative so I declined to do business with them. I was receiving calls from Arizona and XXXX offices and declined to do any business. I then went to my bank and inquired about refinancing my home. When they checked my score I was told that there was high rate of hard inquires ( 6 ) from Quicken for one month. That lowered my score. Recently ( XX/XX/XXXX ) I was attempting to refinance with my current mortgage holder XXXX and they contacted me expressing that they wanted to keep servicing my loan. I am refinancing with another company and received from XXXX a packet for mortgage loan. I feel that XXXX contacted the credit companies as Quiken has without my authorization. Can you please help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, XXXX, Equifax, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
Product: Debt collection

On XXXX XXXX, 2016, I sent a letter to the credit Bureaus requesting that they investigate and/or delete disputed items from the company Diversified Consultants Inc. from my credit report. My letter to the Credit Bureaus also requested that Diversified Consultants verify that they have legal right to collect debt in my state, the original contract, etc. On XXXX XXXX, 2016, I received a letter from Diversified Consultants through the United States Postal Service from Diversified Consultants dated XXXX XXXX, 2016. 

The letter received from Diversified Consultants stated that they are business as ( Diversified Central ) in the state of Alabama. I googled Diversified Central in the state of Alabama and have not been successful in finding the alleged company. 
I have reason to believe that Diversified Consultants lied about this fake company ( Diversified Central ) as a ploy to illegally collect money from me.
Product: Mortgage

We tried for years since XX/XX/XXXX to get a modification after my husband got sick and was not able to work driving long distance trucks any longer. We started with XXXX XXXX Mortgage but they sold our loan as soon as I made the request for a modification. We were sold to Nationstar Mortgage. It took over a year to get everything done with them. The modification went through on XX/XX/XXXX. Our mortgage was lowered from {$1400.00} to {$1100.00} with fees of {$15000.00} and 10 years added to our mortgage. Around XXXX we received notice that our land/house taxes with the county was not paid. I called Nationstar and they realized when they did the modification they left off the taxes from the escrow. They paid the taxes BUT when they reassessed XX/XX/XXXX, they notified us that the payment would go up due to the reassessment to the {$1400.00} which was the same payment it was before the modification. Therefore we paid {$15000.00} and got 10 years added to our loan to get a modification and lower our house note only to once again see the payment go back to the original payment because they made a mistake in the initial paperwork. This does not seem ethical or fair to a consumer already in trouble with making the payments. Please help us with this.
Product: Credit reporting or other personal consumer reports

I tried numerous times to set up a free sign in account with Experian, online and on my cell phone. Every time I get part of the way and then ultimately get stuck on a screen that says info doesn't match or we are experiencing technical difficulties, try again later. I have been trying for 2 weeks to create an account with no success!
Product: Credit reporting or other personal consumer reports

Contacted XXXX about inquiries. They had no numbers on companies, some marked with number XXXX. The number for XXXX was a fac number so we don't know what company it was for. Inquiries listed as unspecified which is not exactly permissable purpose on 1681, 1681s. 
I was however offered the " correct '' number and hey stated it yet report had a different number. I requested information on their decision and how they reached it and the gentleman kept going in circles. The supervisor got on and kept talking over me and stated that I can't file dispute with them and I had to go through companies because they didn't have a he information needed to explain. I told her that I already disputed on the site and she refused to tell and kept talking over me.bsaid the same thing Experian said I had to contact company But Experian said if they report it then we have the put what they report to us. I called back and the girl said I gave the same supervisor and she will tell you that he same that she just told you. Wow, so they just talk about folks business and cine to a joint decision they make instead of kaes and statues they are to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I am writing to request the removal of the following incorrect addresses from my consumer report. These entries are inaccurate and do not pertain to me : Subject : Request to Remove Incorrect Names and Addresses and Update Correct Name and Address on Consumer Report I am writing to request the removal of the following incorrect names and addresses from my consumer report and to update my correct name and address. The incorrect entries are as follows : Incorrect Names : XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX PAGE XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PAGE XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PAGE XXXX. XXXX XXXX XXXX Incorrect Addresses : XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Correct name and address is XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect addresses and name 's from my consumer report. Please ensure that only accurate and up-to-date information is reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Id was stolen and I have never been able to get these items removed from my report. I hope you guys can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights 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.
Product: Prepaid card

Vanilla Gift card was gifted to us on XXXX XX/XX/XXXX and purchsed on XXXX XXXX as well. When we tried to use the gift card of value XXXX $ in XX/XX/XXXX it said that balance is XXXX on vanilla gift card website, tried calling them no answer. Then create dispute case since this money was ours but scammesters used it. Vanilla gift card has poor securty hence its responsibility of company refund value XXXX XXXX I am new mother and this has been hassle, this money would have been really helpful for us. 

Requets to kindly help look into this matter. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00}
Product: Debt collection

I am requesting a debt validation letter from this debt collector which should include but is not limited to, XXXX XXXX XXXX XXXX XXXX XXXX, original documents, original creditors name and address, amounts owed, the date of the last payment, the date the account defaulted, a detailed accounting of all fees and interests added to the debt, and proof that the statue of limitations has not expired. Until this debt collector has given sufficient proof of debt ownership, any and all records of this account should be removed immediately.
Product: Credit reporting

I have never done business with this company or had a debt sold to this company. I have requested multiple times to have it removed from my report and submitted documentation showing it should n't belong to me but received a statement stating they will conduct no further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am sending this asking for your help to file a formal complaint against WAYPOINT RESOURCE GROU regarding an account I have with them XXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : WAYPOINT RESOURCE GROU ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$890.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with WAYPOINT RESOURCE GROU but to no avail.
Product: Checking or savings account

Both XXXX XXXX XXXX and Citigroup as public financial institutions are limiting or preventing myself and other U.S citizens ability to exercise our constitutionally protected right to bear arms and to protect ourselves. This is discrimination directed at an activity that is clearly protected by the second amendment. These companies had no issues taking tax payer money to keep their doors open, but are now slamming shut in the face of companies that make, distribute or sell these legally protected firearms.

The U.S Government when bailing these companies out determined they are too big a part of our financial system to fail. And being such a large part of that system should not allow them to choose what kind of legal business they will or will not work with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX
Product: Debt collection

AMERICAN PROFIT RECOVERY XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

It started XX/XX/2021 when I looked at my account and found it near zero. I called Wells Fargo to find out what happened to my money and they said some women claiming to be me needed the money immediately for her XXXX XXXX. I told them it was not me nor do I have a XXXX to pay. They said Dont worry we will recall it. Then they said the other bank XXXX XXXX would handle the issue. Next, they refused to send it back and said I had to report it to the police which I had already done. Again Im trying to get back money left to me from my XXXX XXXX XXXX months ago. To make a long story short Wells Fargo needs to replace money they gave to someone and lock them up for this crime. I was send a letter and the response from them was I stole my own money. 
Wells Fargo acknowledged the fraudulent activity and credited back most of the {$25.00}. Transactions but they still refuse to give back my {$12000.00}. and its been 4 months now that they have refused to return the money. Please have them fill an insurance claim or something or whatever to return my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # 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
Product: Debt collection

Western mercantile is garnishing my wages. The judgment is no longer valid. It was never renewed. This was confirmed by an attorney I have talked with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report, the XXXX XXXX credit card account is reporting XXXX, XXXX and XXXX of XXXX in the historical payment history as " unknown '' for each month. For the sane account their is no past balance information reported for any of the reported starting in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and noticed fraudulent activity. 
The fraudulent account and inquiries are listed below : Transunion : XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$150000.00} Fraudulent Inquiries : XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Money transfer, virtual currency, or money service

Subject : Account Suspension Appeal Dear PayPal Team, I am writing to appeal the suspension of my newly registered PayPal account. I was surprised to learn that my account was suspended shortly after I registered for it, as I have never used the PayPal service before and have not had the opportunity to engage in any suspicious activity or policy violations. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I am eager to use PayPal to conduct safe and secure online transactions, and I am confident that I will abide by all of PayPal 's policies and guidelines. Therefore, I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to  the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!