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

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's Equifax, XXXX, and XXXX. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and is affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/25 i received two back to back calls from reliant credit solutions, i did not answer as i was working, i then proceeded to be told that they have been contacting my work
Product: Mortgage

My name is XXXX XXXX XXXX. Wells Fargo Foreclosed on my house at XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX illegally. I am enclosing this paperwork to you proving that they did this. The person they foreclosed on was XXXX XXXX XXXX, who had a bankruptcy. This is not me. We are not in litigation with Wells Fargo as the case was closed after they took our home and the home of our XXXX children, XXXX of them being adults now. Wells Fargo illegally put a dumpster on our property and took all the contents of our XXXX square foot home and my entire business that was in the garage and my XXXX XXXX XXXX Daughter XXXX XXXX XXXX art work and through it away before they illegally foreclosed on our family. We had also found them cutting our grass and called the Police and the Police made them leave due to trespassing. 

Enclosed is the paper showing a different name that is not mine. 
I have since that time tried to apply for a mortgage and was falsely accused of being a person by the name of XXXX XXXX XXXX and accused of not paying my bills due to this person being in bankruptcy. I was denied a loan with the USDA because Wells Fargo and XXXX Title not doing their due process and putting this person that is not me and foreclosing. 
We have reached out to your agency several times and even bringing the letters I wrote to you on 2 separate occasions which are still on my file and have case numbers proving Wells Fargo would not modify our loan and then in Fraud foreclosed on it. It has just come to my attention in the last week that this paper existed. Wells Fargo is still acting in Fraud as they even with me calling them refuses to pay recompose for their crimes and what they did to our family. I have called them and spoke to XXXX in the last several months and although she was compassionate, she did nothing the first time I called. I was directed to her again to find out where our compensation is for what happened. Now you will once again have more supporting documentation. 
We are requesting that Wells Fargo be held accountable and pay us back for the home, our belongings, and my daughters lost art that she will never have back. She is becoming quite famous on XXXX, and now she will never have her first art due to Wells Fargo coming on our property and stealing all of our belongings before they illegally foreclosed. 

Please Note : They have done nothing. 
Please also if we can be compensated out of the Civil relief fund. Once you read the report I am uploading you will see the crime.
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 of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN 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: Debt collection

My name is XXXX XXXX and I am filing this complaint against PDQ in response to CFPB complaint # XXXX. PDQ stated that they were debt collector and this is an attempt to collect a debt. PDQ states that my overall complaint is uncertain, indefinite, or unclear. PDQ also stated that PDQ never alleged that I made a contract with PDQ, however PDQ is reporting negatively to the consumer reporting agencies. PDQ also stated that you will continue to report as disputed.PDQ also stated that they are a third party debt collector and are attempting to collect on behalf of the original creditor. I have never willingly contracted with PDQ and they have no lawful authority to be in possession of any of my nonpublic personal information and as they stated they never alleged that I made a contract with them. I have reasonable cause to believe that fraud has been committed. I am aware that due to the fact that my information was sold to a nonaffiliated third party without my lawful authority, this constitutes aggravated identity theft and is a violation of 18 U.S. Code 1028A.PDQ has taken unlawful extortionate means and used my nonpublic personal information to furnish information to the consumer reporting agencies they had reasonable cause to believe is inaccurate. PDQ has disclosed my nonpublic personal information to the consumer reporting agencies with forethought and malice to bring harm to my financial reputation.I have reasonable cause to believe the consumer reporting agencies were negligent to remove this inaccurate information due to their business relationship with PDQ. PDQ has conspired with the consumer reporting agencies they do business with, to coerce me to pay. PDQ has knowingly received proceeds from extortion to fund their criminal enterprise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681.

Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account name : XXXX 's XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to XXXX  XXXX on XX/XX/XXXX and when they sold it XXXX  XXXX booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and XXXX show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote all 3 credit bureaus a certified letter requesting that XXXX XXXX validate the debit on my credit files. They are saying this is a debit from XXXX. I requested validation of the debit showing that this was in fact my debit but never received any documentation, only an update from the credit bureaus saying it was validated. The account number that was provided on my credit file is XXXX in the amount of {$220.00}. The credit bureaus said the accounts were verified but never provided how they verified the account with the documentation that I requested in my letter to them within 30 days. I received no correspondence from XXXX XXXX regarding the debit validation that was sent. I am asking that this debit be completely removed if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX I have filed a complaint against the XXXX XXXX XXXX with the cfpb and they have still not provide information and my rights as a consumer are being violated. It was deleted from XXXX  yet you continue to report. Please provide me the verification the company provided you that validated this debit
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

For my Equifax credit score, they dropped me down by XXXX XXXX as of XX/XX/XXXX and removed any history of my XXXX XXXX XXXX, my first card I've ever received. If this can be fixed it would be much appreciated.
Product: Credit card or prepaid card

I initiated an agreement with XXXX XXXX to provide me with literature, call in guidance 7 days a week, 24 hours a day. The end result was that they almost never return calls and never answer the phone, and when they do, the people picking up have no experience or even a clue as to how to answer my questions. Based on this I asked that they cancel my order and return the funds back into my PayPal Credit Card account, ( Synchrony Bank ). 
On XX/XX/XXXX, I called into PayPal Credit Card Customer Service, ( Synchrony Bank ), and spoke to a " XXXX '' that helped me file a dispute for the initial {$590.00} that they paid XXXX XXXX. I also asked XXXX to put a stop on all future payments to XXXX XXXX   because they breached the agreement as promised. XXXX agreed and said she put notes on the account instructing all at Paypay to not allow any further payments and to request for a refund to my PayPal account.On XX/XX/XXXX, a second payment was sent by PayPal to XXXX XXXX for the second payment to them. Paypal completely ignored my request to not pay any further invoices from XXXX XXXX. XXXX XXXX in my opinion is taking funds from people, breaching the agreement and Paypal is helping them by not following the card holder 's request to not pay.I request a full refund of all payments to XXXX XXXX.
Product: Student loan

When I enrolled into XXXX I felt grateful and had high hopes for a better future for myself and my family. I felt encouraged and finally able to be accepted by a college that I thought was going to help me get my career of a life time and I would n't have to worry about paying back my student loans until after I graduated. I was told that I would get a job as an XXXX if I completed their XXXX I excelled in my XXXX Program and graduated XXXX my associates, highest honors & perfect attendance throughout my entire program. Since I 've graduated I only been able to obtain Administrative and Accounting positions. I found out through a close friend of mine also attending XXXX that the school has closed, and has so many lawsuits. They 've been discredited of lying to their students, putting their student into debit and crumbled their reputation. I am very very disappointment as mush heart and stress I put myself through to graduate from XXXX my degree is n't worth the paper its printed on. I am in so much debit because of XXXX and their promises. I only graduated with an XXXX XXXX and have {$55000.00} of student loans all from XXXX ; {$45000.00} with Navient and {$7900.00} with XXXX XXXX Student Loans. Which this amount I should have not have only my XXXX but my XXXX and maybe even my XXXX XXXX. I ca n't afford this I have XXXX children and Navient wo n't help me even though I asked to discharge my loans since XXXX closed. I 've sent in my complaints to the XXXX ( ID # XXXX ) but I have n't heard nothing back about it. This is frustrating and I could just cry. I 've applied to different Architectural Companies but I just end up being an accountant or an administrative assistant. I do n't get that great pay rate that XXXX said I would to help pay my student loans. Please please someone help me!! As least work out something with me so I can afford to get my self out of this student loan debit.
Product: Checking or savings account

TD bank opened 2 accounts under my name and I did not authorize either.
Product: Mortgage

I am trying to understand why a closed an inactive credit card reflects as open on my credit report while my mortgage which is still actively paid shows no history and closed. This is the home I reside in and intend on paying the loan amount in full. There was a lack of communication during my bankruptcy while attempting to reaffirm this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened in XX/XX/XXXX the car was repoed in XX/XX/XXXX d/t some financial struggles. The car was gotten back XX/XX/XXXX also. We made payments on time since then and the car was payed off in XX/XX/XXXXcompletely. I have disputed the information on my credit report 3 times. XXXX/XXXX continue to report every month to credit bureaus that it was charged off since XX/XX/XXXX, informed them it should not be in charged off state if we were making current payments and finished our loan. Instead of them changing the status they only closed the account. I informed this that this status is showing bad on my report and to please update. They also show its written off for XXXX which is the full amount I paid for the car, then it shows high balance of XXXX. This account is not a charge off but they keep listing it as such. I also asked them to change that this account was deliquent. I was late on a payment in XX/XX/XXXX but not any other yr.
Product: Debt collection

COMPLAINT AGAINST : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX or XXXX and I have been contacted by the following company several times by phone on a fraud billing issues by a local weed and pest control company who has hired the following business to do their dirty work. 

Does this collection company have a license and / or have posted a bond with your department or other Texas Departments as required by Texas Laws? 

XXXX XXXX XXXX and / or ASSET COLLECTIONS INC. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE : XXXX FAX : XXXX In XX/XX/year>, I called the weed company list above to see if they serviced my area. The agent did not know but would ask her Boss upon his return to the office. No return call was received. Days later without getting a phone call from the company or knocking or ringing our door bell a person was observed trespassing on my country home. When approached by my Wife the lady stated her Boss told her to come measure the yard for an estimate. My Wife asked why she did not knock or ring the doorbell? Upon my arrival back home, I confronted same person, as to why she did not ring the door bell? Again, all she could say is my Boss told me to come measure the yard. An estimate was about {$700.00} for about an acre yard. I did not even sign the estimate or give verbal approval to spray my property! 

Days later the same person, without knocking on my door, spray poison chemicals on my property without my / our approval. The only reason we noticed her spraying was that our backyard dogs were barking their heads off and I looked out the back door to see what the matter was? Thus, I saw her spraying poison against the fence where my dogs were barking at her! Upon my confronting the applicator - sprayer, who told you to come and spray my property??? She first said " Oh no not again! '' and then " Her Boss told her to spray my property ''. I called the office and asked the same, which I really did not get a defined answer. " Our Boss ''. 

The Applicator / Sprayer XXXX XXXX, was warned by my Wife and Me during the first visit, to knock on residential - homeowners doors before trespassing on properties! Again on her second visit she failed to knock on door to get permission to spray poison on my property! 

Since I did not request the spraying service for weeds, therefore, I did not pay the about {$700.00}. Thus, the weed company turned me over to the above collection agency. 

Regards,
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Despite three dispute attempts, these credit bureaus have retained inaccurate and unverifiable items on my credit report, causing significant harm to my financial standing. 

Key Issues : Failure to Conduct Reasonable Investigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The credit bureaus marked disputed items as verified without providing factual documentation. 
Retention of Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Disputed items remain on my report despite the lack of proper verification. 
Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : My requests for the name, address, and contact information of furnishers have been ignored. 
Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The bureaus have failed to ensure the maximum possible accuracy of my credit file.
Product: Vehicle loan or lease

I bought a used vehicle in XX/XX/2019. I was never late on any payments until I became a victim of government corruption. I ended up XXXX with XXXX  for over a month. I ended up behind on car payments. I did communicate with the bank but they ended up repossessing my vehicle a year later. I want to know why I am still owing all this money when I am a XXXX XXXX and I have plenty of money in my trust. I want my vehicle and ALL THE RIDICULOUS HIGH CREDIT CARDS PAID FOR WITH MY TRUST. Tell me how to get this done.