23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter concerning the accuracy of my credit report with TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The account with XXXX ( Account # : XXXX ), which was opened on XX/XX/XXXX with a balance of {$1000.00}, has never been late. I request that TransUnion correct/update this inaccurate information on my credit report. 


The account with XXXX XXXXXXXX XXXX ( Account # : XXXX ), opened on XX/XX/XXXX, with a high credit of {$21000.00}, has also never been late. Please correct/update this inaccurate information on my credit report. 


An account with the designation " COLLECTION '' ( Account XXXX : XXXX ), opened on XX/XX/XXXX, with a balance of {$210.00} and an original creditor identified as " COLLECTION, '' does not belong to me. I request the immediate removal of this account from my credit report. 


Another account with the designation " COLLECTION '' ( Account # : XXXX ), opened on XX/XX/XXXX, with a balance of {$960.00} and an original creditor identified as " COLLECTION, '' is also not mine. I kindly request the removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

Equifax Conducted Sham Investigations on My Equifax file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
District Court for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of Equifax Data Attacks . The derogatory information reflected in my credit report maintained by Equifax under my Social Security number. As a victim of identity theft and the Equifax Data Breach ( XXXX XXXX. XXXX ), I have been unjustly impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Equifax multiple times that the entries below are erroneous and fraudulent. 
XXXX. Account : XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$9300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX- Account Number : XXXX Balance : {$1000.00} : Opened : XX/XX/XXXX Equifax routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Equifax has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Equifax has harmed, bullied, and harassed me and violated my consumer rights.
Product: Mortgage

Wells Fargo sold my mortgage to XXXX XXXX XXXX XXXX in XXXX. 
Both mortgage companies reported on my credit reports inaccurate financial information both at the same time hindering my credibility for financial worthiness. XXXX XXXX XXXX XXXX has reported a fraudulent trade line account, also a bankruptcy and multiple inaccuracies under my identification. XXXX XXXX XXXX XXXX has made accusations against my mortgage and property. 
XXXX XXXX XXXX XXXX has notified the U.S Bankruptcy court requiring me to be held accountable for the fraudulent transaction and accusations XXXX XXXX XXXX XXXX unjustifiably has reported against me. 
I have XXXX been documented in writings from XXXX XXXX XXXX XXXX that my mortgage account XXXX reinstated and considered new. 
At the same time XXXX XXXX XXXX XXXX placed foreclosures notice in the XXXX XXXX records reporting the date of XX/XX/XXXX and once again XX/XX/XXXX as active foreclosure proceedings. 
I have been mislead and misguided and forced into a bankruptcy that was first reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX, Prior to my knowledge of any bankruptcy or action to file bankruptcy. 
I am requesting a full investigation on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months Experian, XXXX and XXXX never updated my credit score on a timely manner
Product: Debt collection

PayPal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Back in XX/XX/2022 I applied for a balance transfer from XXXX to Capital One. XXXX sent a check with not enough account numbers on it. The check was returned to XXXX from Capital One. During the months of trying to find the check there were 11 cases opened. In XX/XX/2022 I was told that I would not have any additional activity on my Capital One account and that I still owed the {$4600.00}. I agreed with this and paid this on XX/XX/XXXX I paid {$4500.00} from my checking account as a wire payment. It shows receipt on my statement. On XX/XX/XXXX, Capital One recharged me again the {$4600.00} which has already been paid from the XX/XX/XXXX payment. I have called Capital One over 20 times in the last six months to get this fixed. The most latest call was XX/XX/XXXX and I spoke to two different people and the call lasted over one and a half hours. They told me they would look into this and would get back to me in 7-10 days. Now today, I called and they say they have no record of this call and had to start the process all over today with me making the claim. This has continued over and over again the last six months. I would like this charge of {$460000.00} reversed so I can get on with my life. This has gone on too long without resolution. I can't even get the same person to call me back and I have to start all over explaining the situation with every call I make. Many times I call and they disconnect me so I have to call again and start all over explaining the situation. This needs to be resolved please. Thank you. XXXX XXXX XXXX. This complaint is against Capital One Credit Card.
Product: Debt collection

Im not 2sure Wht the fraud was but I do know most of Wht they though was my doin wasnt but there is still fraud on account tht they continue 2remain on account & I believe tht they should b off credit report as Im not doin anything 2fix the prob xcept dispute it. I need help fixing my credit report Wht can b done 2do tht?? Thanx
Product: Debt collection

Paramount Recovery Systems has placed 2 collections on my credit profiles in the amounts of {$1000.00} and {$1300.00}. The alleged original creditor is XXXX. XXXX XXXX which appears to be a medical facility located in XXXX TN. I have never been to XXXX. XXXX XXXX   therefore I don't owe anything. I have mailed this company twice asking the to provided verification of this debt. They have yet to show me anything with my signature or or even respond.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

In XX/XX/XXXX I disputed an account reported by : XXXX in the file you maintained under my social security number. 

I was informed in XX/XX/XXXX that the item was deleted from my credit report. 

Now XX/XX/XXXX I have discovered that the item has been reinserted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the item is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove this item immediately : XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. Prior to filing a dispute with XXXX, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with XXXX. Approximately 2 months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called XXXX to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that XXXX  claims to have if not correct. It appears that XXXX is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream is completely unresponsive to fax, online form, or US mail, and their phone number just goes to voicemail when dialing " 0 '' for help. I have tried multiple times to place a security freeze on my consumer file and have received no response and their telephone number is unusable. 

SageStream is in violation of FCRA by refusing to perform a security freeze of my SageStream consumer file and providing a PIN code by US mail. 

SageStream is in violation of FCRA for failing to provide a functioning telephone number with a live human being.
Product: Debt collection

I am a victim of identity fraud. 
My personal information was stolen and the address associated with this account does not belong to me. 

A dispute was filed with the creditor. 
They stated that the debt was not mine. 

The fraudulent transaction was not used from my residence. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is not my address Please remove this creditor from my report ACCOUNT MANAGEMENT SERVICES {$1100.00} This debt is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX  XXXX XXXX XXXX XXXX. {$130.00} XXXX XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX. {$1400.00} XXXX XXXX XXXX XXXX. {$2000.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$4400.00} Inquires XXXX XX/XX/XXXX TBOM/XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have my credit card on auto-pay with Chase through their XXXX app, and they charged me a XXXX dollar late fee. How the heck do I get charged a late fee when I have given Chase the authority to take my monthly payment from my checking account before or on the date my payment is due? What a scam.
Product: Credit card or prepaid card

The Bank of America ( BofA ) in their letter of XX/XX/2018 said they were unable to obtain credit for a service that's scheduled to occur at a future date. Furthermore, in the same letter ( attached ) it states that I should " contact BofA if the merchant fails to perform the services after the scheduled time-frame has elapsed ''. The letter further states to provide documentation from the merchant to support that they have no intention of rendering the service in the future. We done this several times with BofA. 
Today, I called the BofA to inform that the merchant has no intention to deliver the service and to inform BofA once again that they have this information. I have attached what the merchant sent the bank to dispute the BofA case ( XXXX ). Per the five items listed in " ADDENDUM '', item 3, 4, and 5 were in noncompliance in XXXX, 2018 when we did not received either a password or a website to received said service. The BofA had all documentation pertinent to service not received, since XX/XX/2018 when we filed the dispute. We again in XXXX, 2018 reach out for service and cancelled when no response was coming from the merchant. We gave BofA all the information showing the merchant at this point had shown no intent to deliver the service. 
BofA shows again in its XX/XX/XXXX that it has made no effort to dispute the merchant in my interest despite having the requested infirmation. We cancelled the service with the merchant on XX/XX/2018 after trying in good faith to get the service, and we told BofA and gave them the documentation. I attach relevant documentation showing how we tried to get what was promised in the merchant itemized ADDENDUM. The documentation we provide show that the merchant has no intention to provide the service and the bank has failed in its analysis of the case. Why then write me a letter saying to " contact '' BofA if we did not receive the service. Again it shows that the BofA is inconsistent and is NOT TRANSPARENT in its communication. I spoke with XXXX XXXX XXXX in claims on XX/XX/2018 @ XXXX XXXX about the matter. She hesitated then went to consult ( I was on hold twice ) what they should do despite the evidence that we are now in the future ( several months ) and i have not received said services from the merchant. It is clear the merchant has no intention to deliver the service and BofA has failed to recognize this or has some relationship with the XXXX XXXX XXXX  and rather not deal with the situation. XXXX XXXX then said that BofA did not receive in specific information to cancel the service. My final comment is that we have followed the rules and in good faith have tried to resolved this with the merchant. It is clear that BofA has not gone to show this with the merchant. It seems, because the merchant bank is in XXXX, BofA has become timid to do the charge back as the XXXX rules requires ( no service provided ). Please see attachments for this complaint.
Product: Mortgage

On XX/XX/XXXX we received a loan estimate where Escrow payment at closing was estimated to be {$3000.00} by Rocket Mortgage. The banker ( XXXX XXXX ) we were working with informed us the estimated escrow had decreased because they confirmed that the property taxes had been recently paid. As a result of reviewing this estimate in its entirety and the information we received from the banker we made the decision to move forward with refinancing our existing mortgage through Rocket Mortgage. After having gone through the entire loan application process ( including running our credit ) and we are just getting ready to schedule a closing with them, we were informed by Rocket Mortgage that the Escrow payment had increased to {$5600.00} due to property taxes not having been paid for this most recent quarter ( see revised statement provided on XX/XX/XXXX ). They informed us that the latest information they received from their tax certification team was that we paid the property taxes in XX/XX/XXXX for the quarter ending in XX/XX/XXXX. I confirmed this with my current lender was correct with respect to the last payment made on property taxes. And while we expect the cost of those property taxes to be paid by our current lender any day now, which would be reflected at Rocket Mortgage as well, when we asked our assigned Solutions Consultant at Rocket Mortgage, XXXX XXXX, why was the XXXX property tax payment not reflected in the XX/XX/XXXX statement? The explanation she provided was that they collect escrow for 6 months. She also confirmed that the statement on XX/XX/XXXX only showed escrow for 3 months and she did not know why. This leaves us extremely concerned that we were deceived all along by Rocket Mortgage because if these were known constants all along ( they collect 6 months escrow and our property taxes remained as paid back in XXXX ) why were the escrow numbers from the XX/XX/XXXX statement intentionally displayed with 3 months of escrow due at Closing? When discussing our closing costs it seems clear that they had falsely decreased the value to make it more attractive than what it was to lure us into the loan application process. This was a bait and switch predatory loan process that we were only able to catch just as we were getting ready to close. We can only imagine how many other consumers have been deceived using these same predatory techniques.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX UNIVERSITY Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
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.