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

On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX  EQUIFAX, XXXX  and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, EQUIFAX, XXXX are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
Product: Debt collection

XXXX law firm did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

XXXX XXXX  account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during Covid and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXXXXXX XXXX XXXX result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX-I gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


Gurstel law firm is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/17 at XXXX Eastern was the last call. There have been several others that I did not log the time ( I will if this continues ).
I XXXX XXXX XXXX as my source of income. The phone number involved is a mobile phone that I use for work. Passengers need to be able to contact me. I have received multiple calls from Portfolio Recovery after telling them to never contact me on my business number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove.
Product: Credit card or prepaid card

I have had an American Express gift card saved, sealed in an envelope that it was originally purchased in ( {$300.00} total ) since XXXX. The card expires in XXXX. I recently went only to use the card and checked to see if an activation was required on the company website. I discovered that recent fraudulent activity totaling {$290.00} with various merchants had occurred. I contacted American Express as requested on XX/XX/XXXX ( XXXX ) and was notified that this had occurred. I was informed that they could not resolve any disputes or issue refunds, fraud protection, etc and would need to work with the merchants directly ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX After speaking with them I went back to their site to obtain the transaction information and discovered my account was locked so I could not access this detail to reach out to merchants. I called back and was told this would be emailed to me within 24-48 hours. I did not receive an email while giving them additional time ( including weekend ) and called again on XX/XX/XXXX and was able to have my account unlocked to receive transaction detail. I contacted the various merchants and was informed I that I would need to work with American Express to resolve as the transactions were managed through their card. I spoke again to Amex to re-suspend my account and questioned again why they would not honor any fraud protection when they failed to provide adequate security ( Ex : card activation ) and other gift card companies do refund the card holder. I escalated the issue with card services and was just repeated that their card holder agreement does not permit them to manage disputes. I was told yes, their policy essentially is if an individual has one of their products and has money stolen unless they alone can work with a merchant for a refund they are out of luck.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I was given a check from XXXX XXXX for lost baggage, and I deposited the check at Wells Fargo on the XXXX through a teller. Immediately, the first thing asked was do I work for that company, which seemed off nevertheless I continued to deposit my check and then was told their would be a hold on the funds for a day. On the XXXX {$220.00} was made available and then by the end of the day the money Wells Fargo was made available was then taken out of my account and my check was placed on a further hold now till XX/XX/XXXX. I receive a regular direct deposit from my job as a XXXX  twice a month that is deposited into my Wells Fargo checking account. I have been with Wells Fargo since XXXX  with consistent legit deposits. There is no reason why when I deposit a paper check that I received from an airline company for a claim, it takes this long or I am treated with such prejudice. For the employee to ask me where I work before she proceeded to deposit my check and then for my now to be held for 10 days is outrageous and clearly shows bias and some sort of discrimination. Please assist me in this matter as now Wells Fargo has placed me {$210.00} in the negative because they have taken back the {$220.00} dollars they first made available from the check of XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate tis account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

XXXX would not allow me to cancel my service because I was on month past due. After i informed them I will not pay until they cancel my service they decided to charge me for 2 additional months. Franklin collections sent me nothing in writing like the 2 other collection companies prior and was removed. I paid {$330.00} of the debt I owed for the month I admit was my responsibility. This is the 3rd debt collection that has not notified me in writing and therefore is in violation of the FRCA. XXXX again shows blatant disregard for consumers rights. If others have experienced this we need to get together and file a class action lawsuit.
Product: Vehicle loan or lease

XXXXXXXX  I help my daughter get this Car And I was the cosigner on the car they didn't have license to sale the car in the first place We put XXXX XXXX down they pocket the money at gave us month and a higher interest rate we drove Around with expired tag for XXXX no plate because no license months Run Around with the company the bills saying XXXX months on We should be at XXXX by now maybe lower top that thanks u
Product: Credit reporting, credit repair services, or other personal consumer reports

Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( XXXX XXXX XXXX XXXX ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX place, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( XXXX XXXX XXXX/XXXXXXXX  ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my XXXX and XXXX and experian report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous items which are being indicated in my report. 
Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Owed : {$160.00} XXXXXXXX XXXX XXXX Balance Owed : {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXXXXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXXXXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/year> - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from XXXX XXXX a violation because all XXXX  are not consistent -The number of months is different from XXXX- It's a violation because all XXXX  are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX and XXXX- It's a violation because all XXXX  are not consistent -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all XXXX  are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all XXXX  are not consistent The 'date of last XXXX payment is different from XXXX and XXXX 's a violation because all XXXX  are not consistent -As far as the payment history is concerned, it is a violation because XXXX is not reporting any payment history and XXXX is reporting different payment history from XX/XX/XXXX to XX/XX/XXXX, and your company is reporting ok for XXXX XXXX XXXX a violation because they are not in consistence. 

Please see attachment for proof of inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. XXXX XXXX charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what XXXX  XXXX reported. I have submitted to you documents showing this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion hard-pulled my credit report on XX/XX/2020 without my approval. I was researching mortgage loans but I never authorized anyone, including Transunion, onXXXX to pull my credit report.
Product: Credit card or prepaid card

I am following up on a previous complaint ( XXXX ) about fraudulent charges on my credit card. While it appears Barclays has resolved two of the charges that reappeared on my card, a 3rd charge, XXXX for {$140.00}, has also reappeared. I thank Barclays for the quick response. I have never received any documentation as to why these charges, and not the others, have reappeared after this length of time. On the phone last week, Barclays explained that there was an address match. As the cards appeared to have been lost or stolen from the mail ( and I documented this in complaint XXXX ), it is not to my surprise the persons involved have my physical address.
Product: Mortgage

on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over XXXX dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose over XXXX in higher closing costs higher interest payments. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and XXXX income. I later reviewed found out they did not conform to federal XXXX XXXX or FHA lending guidlines, their practice was subjective and not objective and predatory. It was based on personal preference.
Product: Checking or savings account

Between XXXX and today there have been various emails and phone calls to Upgrade/XXXX XXXX XXXX XXXX XXXX  freeze my account. They have stopped responding and will not provide me an update on when funds will be released. I get paid bi weekly and there have been two paychecks deposited in to this account while it has been frozen. Both checking and savings are closed and they wont even let me transfer the money to the credit card I have with the same bank. Theyre ignoring me and have not been helpful on a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing two missed payments on my Equifax credit report. I never made a missed payment. I went directly to XXXX XXXX and they say they are not reporting the missed payments and they would contact equifax and let them know its an error. I didputed the error and Equifax said it was verified as accurate. A simple phone call to XXXX XXXX   would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
Product: Student loan

I have Federal studen loan that was paid in full and leaves still on the credit that has not been paid for me as I have it removed? 

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

XXXX and Equifax are and have been for over 4 years reporting inaccurate payment history of my XXXX XXXX' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. XXXX has me making no payments on XX/XX/XXXX and XX/XX/XXXX and Equifax says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, Equifax, and XXXX refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.