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

On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. 

On XX/XX/2019, I sent Experian an letter demanding verifiable proof they have on file regarding the bankruptcies listed on my report. On XX/XX/2019, I received the following response from Experian regarding the bankruptcies listed on my report. 

Experian response : Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. Public record items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, one on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.
Product: Credit card or prepaid card

On XX/XX/19 card ending in XXXX was issued a refund of {$230.00} from XXXX, with an original transaction date of XX/XX/19 for which there is a transaction from XXXX. However, despite citi providing the statement showing the refund of for transaction date XX/XX/19 on card XXXX has continued the incorrect belief the refund of {$230.00} was for a transaction on card XXXX for a transaction on XX/XX/19. So Citi believes this credit was for a totally different transaction than the one shown on the citicard statement on a totally different card number. As a result Citi has charged me back for more than this amount in error. 
The original dispute on card XXXX was was supposedly corrected to be for a dispute amount of {$400.00}. Of which XXXX provided a refund of {$100.00} on XX/XX/19. Once this is corrected and the {$230.00} refund is returned to me, there will be a difference on the XXXX dispute of {$300.00} which still needs to be refunded. 
I have attached a copy of the XXXX billing statement to support my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX  cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Product: Checking or savings account

I got 2 mails on XX/XX/2022 with a negative balance, each mail got 2 different bank account numbers, knowing that I didn't open an account, i reached out to the bank over the phone. I was transferred to the fraud department and that was closed. The following day being XXXX, I got a call from the same banking institution staying that an account ending in some numbers mentioned had a negative balance of {$100.00} and that I would need to make a payment. I notified them that again I have no accounts with them, the representative told me that it would need to be paid or it will hurt my credit. I explained that it wasn't me and that I had just closed 2 account in relations to the same issue. I then gent to the bank and the banker told me that the fraud department is looking into it. Before contacting the FTC I then spoke with the banking fraud department. And I as told the account is closed. But since whomever this is has my identity, I would like to take as much precautionary measures as possible to stop this from repeating itself or to someone else. 
I also go a call sometin ago from my then employer stating that someone had submitted an unemployment application even while I was employed with the company.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) XXXX. XXXX XXXX CREDIT CARD ( Account # : ... XXXX ) XXXX. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I received a {$600.00} american express gift card and I can not use it ANYWHERE. It says that it can be used with Amex cards are accepted. I have the entire balance left on the card, which is {$600.00} so there are applicable funds.
Product: Debt collection

I HAVE A COLLECTION ACCOUNT APPEARING ON MY CREDIT REPORT THAT I DON'T KNOW HOW IT ENDED UP ON MY CREDIT FILE
Product: Credit card or prepaid card

A Capital One account was open with out my permission XXXX XXXX. A balance for XXXX was created and turned into doubt. I am a victim of IDENTITY THEFT. I have reached out several times and the only thing I'm told is they will investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Repo
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  responded to me about my complaint within your company. Although I have sent them my identification, they requested I fax it. Please see attached. 
The fax number does not even work. I truly feel as if Equifax should be shut down. They are extremely shady and dishonest. 

XXXX  refuses to remove information that is completely inaccurate. I pay for services with them and they still do not accurately help me update my report!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Equifax Information LLC regarding the incorrect address and name on my credit report. I provided supporting documentation, including driver 's license, SSN, and W-2.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and update or correct any inaccurate information within 30 days. However, despite my efforts, Equifax Information LLC has failed to make the necessary corrections. As a result, my credit score has been unfairly impacted, causing financial hardship, including denial of a loan, higher interest rates, difficulty obtaining housing, etc.

I request the CFPB to intervene and ensure that Equifax Information LLC complies with its legal obligations to investigate and correct my credit report.
Product: Credit reporting

This company with no name or information or address is reporting on my credit, and it is affecting it really bad. There is no way of communication and is reporting as N/A.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX - Account Number : XXXX / XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I applied for HAF and was approved assistance but PHH would not approve Modification even though my financial has changed. It took nearly a year for them to respond to HAF and I did not receive a decision at all. Per HAF ( XXXXXXXX ) the reason for denial was ; No communication with client and, Documents missing. 
NEITHER ARE TRUE! 
I have endless emails and my phone calls to them were either ignored and/or given false information and one time I was abruptly hung up on. Every phone call to them was my simply wanting to make an appointment with a Relationship Manager to discuss my options ... .every time they told me there were no appointments available and told me to call back later ( this went on for a year while HAF was pending ) PHH also told me I could make an apt . via PHH website which a person loses their ability to sign on when in foreclosure. When I told them I couldn't sign on, they said they had forgotten that policy. This happened several times. It was impossible for me to talk with a Relationship Manager regarding status of Modification and/or my options. 
After speaking with HAF who reassured me of their help, I recently reapplied for PHH Modification to include another person 's income ( non-account holder ). Attached.
Product: Mortgage

My mother passed away XX/XX/2018 and I have tried numerous times to get a Loan Modification from Wells Fargo Home due to the fact that Im the Administrator for her Estate. Secondly, I believe that the mortgage company ( Wells Fargo Home ) might have charged the account improperly with fee/fines.
Product: Debt collection

On XX/XX/year>, I mailed a dispute letter to LVNV FUNDING LLC, requesting an investigation into inaccurate items on my credit report. The account in question is reported inaccurately and with incomplete information. Specifically, I requested that LVNV FUNDING LLC provide a copy of the written agreement that created my original requirement to pay. 

Despite my clear and thorough request, I have not received any response from LVNV FUNDING LLC. 

It appears that LVNV FUNDING LLC has violated my consumer rights by not providing the requested debt validation documents upon receipt of my dispute. This lack of response and investigation is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am currently in the process of trying to purchase a new home, but the incorrect coding for " Account Type '' on my Experian report is preventing me from being able to be approved. Even though it was an installment account and has been closed for months, Experian continues to report it as " REAL ESTATE '' in the Account Type and " Home Improvement Loan '' in the Account Type - Detail lines. 

It is impossible to speak with anyone as they do not answer the phone, so I have sent two letters to Experian over the past several months with a copy of the letter I received from Service Finance Company that states the account in question is NOT Real Estate or a Home Improvement Loan and should not be reported as such. To date, I have not received the courtesy of a reply from Experian, nor have they corrected this erroneous labeling of the account.

This situation has caused damage not only to my report and score, but also to myself financially. If this error is not corrected IMMEDIATELY, I will be forced to consider taking legal action. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There were a Data breach with XXXX XXXX XXXX  and XXXX! And i would like all negative inquiries and all negative items off of my credit report! 




Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Bank Account Number - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Checking or savings account

The bank forced closed my account please notice the XXXX XXXX XXXX to find the fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX, EQUIFAX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is XXXX. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the XXXX balance reported by the furnisher. After doing so please forward me a copy of the report.
Product: Debt collection

XX/XX/2017This location sold the items in storage and continued to bill me for the storage after the fact. So they have racked up additional fees to charge even though the I no longer had the storage.
Product: Debt collection

I was called today by a company called Kinum. I spoke to a woman who threatened that if I did not pay this medical debt which was not even {$200.00}, that they would ruin my credit score. I paid literally sobbing because that's the kind of fear that they want to inspire in their consumers. They told me that I should be grateful as they knew I was young and " didn't want to do that to me ''. Even though I literally just found out that it was not possible. I called them back and asked to speak with the woman, but was instead directed to a manager, who seemed very outraged when I informed him, that I don't really believe that me reporting this instance on their site would do anything. After all, given the number of bad reviews, and of the obvious bots with good reviews, 2+2=4, let 's be honest. Not to mention, them threatening some of the people who left bad reviews with legal action. But doesn't change the fact that they are currently misrepresenting the law. I just wanted to filed a complaint, so that they could stop trying to threaten people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian, XXXX and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report.
Product: Credit reporting 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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

Nationstar Mortgage, a.k.a. Mr. Cooper has failed to provide it's customers with service. I have repeatedly tried to reach them by phone, to speak with a human being, about the required steps to process an insurance claim check which I recently received. Nationstar is listed as a co-payee and I must coordinate their endorsement to be able to deposit the funds for repair of my home. 

Multiple phone # 's have been used to reach them with no human contact available. This is deplorable customer service. I have had my mortgage with them for a couple of years now and never been late on rendering consideration to them. Perhaps if I withhold my payment, a real human being will call me, at which time I can address the issue.