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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Have been Victim of XXXX  XXXX  / identity theft accounts were open without my authorization.
Product: Debt collection

I received a collection letter in the mail from a XXXX, ND address, requesting a {$50.00} payment to go to a creditor called " XXXX XXXX  ''. I have never lived in anything called " XXXX XXXX '' I have not lived in XXXX XXXX  since XX/XX/2017. I never heard of the place and am not paying it because it is not mine. My amended tax return was stolen from the us postal service  in XXXX a police report was filed with the police department. I dont know if it has anything to do with that but again, this is not my debt. I never lived in any such place. the place that i resided in when i was in XXXX XXXX already provided me with a letter indicating that i was in good standing and nothing was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and XXXX records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at Bank of America on XXXX XXXX, and also raised individual dispute cases with XXXX XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a BoFA problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting documents to show proof of error reporting on my Experian credit report. This is directly from FICO report purchased on XX/XX/XXXX. As you can see my student loan shows paid on time on my XXXX and XXXX report but Experian is showing 150 days late. Also Experian is showing a paid collection that has been deleted from XXXX and XXXX reports. I was denied credit today due to these two inaccuracies. I truly believe Experian is not investigating these disputes because it shows last activity of no date where equifax shows last activity dates of XX/XX/XXXX and XX/XX/XXXX. 
The last complaint I filed they referred to a mortgage and I do n't have a mortgage and never have. It just seems like they keep making excuses not to really investigate these inaccuracies.
Product: Checking or savings account

I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Product: Debt collection

Wells Fargo HAS VIOLATED THE FDCPA. THEY INFRINGED UPON MY RIGHTS A CONSUMER. REVIEW MY ATTACHED AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by Bureaus Investment Group Portfolio No 15 LLC on an account opened XX/XX/XXXX. The company that contacted me was XXXX XXXX. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. XXXX responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. Thursday, XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The Bureaus Investment Group still reports to my credit as owning the debt, when they infact sold it to a new company.
Product: Student loan

i requested information from them regarding the inaccurate and incomplete information they are reporting on my credit report. the information is a direct violation of 15 usc 1681e ( b ), it states that information shall be 100 % accurate and complete before reporting on a consumer report. 
i have attached a copy of the report below for your reference
Product: Debt collection

After applying for mortgage loan and being approved, half way through escrow all of a sudden a supposed debt with open date of XX/XX/2014 and balance of over {$10000.00} just all off a sudden appeared. This says i owe over $ 10k and they haven't had this on my credit in 4 years but now all of a sudden they are reporting this debt as something I owe. Seems pretty fishy that this company I have no knowledge of is reporting this after seeing that I have paid off all my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submiting you this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} AR OFF OF CHILDSPRT ENFO XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was unable to get my debt resolved and I have told them and the original creditor my identity was stolen and they do not care and fail to acknowledge it as a debt that is not mine. The amount with interest is over XXXX $ but I would only owe XXXX $ if that due to charges that were mine. They would not show me signatures of things that are not mine and proof that the transactions were mine. When they should easily have been able to do this. I mean it is not hard to send it all by mail upon request. They even demanded I took a loan out for XXXX $ dollars and said they would sue me if I did not. When they have received multiple communications about this in the past from me and so did the original creditor. Which was Citibank
Product: Debt collection

Ill start by naming an original Debtor, was a XXXX XXXX Bank XXXX. XXXX! It was their credit card that they added a bunch of nonsense fees too and then said in XX/XX/2020 they would not be able to help me pay them I didnt qualify for any fee waivers or covid relief and send it directly to MIDLAND CREDIT company and i am not sure if you ever heard of this company but they dont care who you are what you owe they called already XXXX times this morning and its before noon! Relentlessly! XXXX XXXX credit cards are loaded with illegal add ons and they know it!
Product: Debt collection

My ex husband refinanced his house on XX/XX/XXXX and WFG is the title company with XXXX XXXX listed as the Escrow Officer. After a conversation with the District Attorney and also a private family law attorney that was representing me in a civil matter with XXXX XXXX, there was concern as to how this refinance could have possibly taken place with a judgement/lien for over {$8000.00} in unpaid child support. In addition it was discovered as XXXX testified in court that that more than {$15000.00} was issued as cash payment to XXXX XXXX as part of this transaction. None of which should have taken place without the child support judgment being paid first. She did indicate that another judgment had been paid but did n't indicate what that judgment was for. I am currently owed more than {$20000.00} and this transaction seems to have been fraudulent. 

I have pulled the public records to confirm the title transfer. If indeed the previous title and the current title are in XXXX XXXX XXXX name, this transaction should n't have legally taken place without the child support being current. 

In addition, the demographics of the house show a XXXX bedroom XXXX bath home. The basement of this home was remodeled without any permits being pulled and the home is now a XXXX bedroom, XXXX bath home. I will notify the county of the work as this is a safety concern. 

The property address is XXXX XXXX XXXX XXXX XXXX, Or
Product: Debt collection

I believe I'm being taken advantage of - I'm paying off a debt that is not reflected on my credit report. The amount on my credit report it lower.
Product: Mortgage

This is XXXX XXXX, I have been trying to sell a property in Florida since XXXX of last year, and Freedom Mortgage continues to neglect my sensitive time frame and urgency. This property was an investment property and I have been out of income since XXXX due to tenants moving out as a result of me selling the home. I call them daily or every 48 hours to get an update and it's like I have to walk them through their job process. For example, we are on the final stages of underwriting at the moment, and we're waiting on paperwork. Paperwork that should've been done months ago and has been known about for months, but is being waited until the last minute. Due to this I have lost a combined total of roughly {$6000.00} of money that I will not get back even with the sale of my home. We have even lost a vehicle due to the inability to pay 2 mortgages. Their lack of care in this matter is getting to a point where it might be costing me both of my homes as I can not afford to pay both of them at the same time. Is there anything you recommend or can help me with in the situation?
Product: Debt collection

NCA - national credit adjusters, called me stating I owed a debt. In the verifying process the items verified as, my phone number and address did not match their records. Although the agency did have the last 4 of my social and date of birth right. The other items did not verify me. This is a concern, to me I have not pulled my credit until recently. I am not aware of this debt and would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Dispute Regarding Improper Investigation, Inconsistent Reporting, and Request for Removal of Inaccurate Derogatory Trade Lines Dear Equifax Dispute Team, I am writing to formally dispute multiple inaccuracies on my credit report and to raise serious concerns about Equifax 's failure to conduct proper investigations of my previous disputes. Additionally, I am deeply concerned about the persistent discrepancies in credit scores and reporting timelines among the three major credit bureaus, with Equifax historically providing the lowest scores. These inconsistencies suggest that the credit reporting system is fundamentally flawed and unreliable for making accurate assessments of consumer creditworthiness. 

Specific Issues and Requests : Inadequate Dispute Investigations : Despite prior dispute submissions, Equifax has failed to properly investigate or provide comprehensive resolutions to disputes regarding inaccurate information on my credit report. This has severely impacted my financial standing and ability to access credit. 

Derogatory Trade Lines : There are derogatory accounts on my credit report for which I am not a primary account holder. These inaccurate trade lines must be removed immediately.

Score Discrepancies Among Bureaus : Equifax consistently reports lower credit scores compared to the other two main credit bureaus. This is indicative of flawed reporting and record-keeping practices. It is incomprehensible that all three agencies can produce such vastly different scores while claiming accuracy. 

Compliance with FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct thorough investigations and ensure accurate credit reporting. I demand a comprehensive review of prior disputes and prompt removal of any inaccurate or unverifiable information from my report. 

Notification of Re-Insertions : If any previously removed negative information has been re-inserted, I demand immediate notification as required under the FCRA, along with evidence supporting its accuracy. 

Requested Resolution : Remove all inaccurate derogatory trade lines where I am not the primary account holder. 
Provide a detailed and documented review of prior disputes and their outcomes. 
Ensure compliance with proper investigative procedures as outlined by federal regulations. 
Address the ongoing issue of inconsistent score reporting by bringing Equifax 's scoring methodology in line with industry standards. 
Please respond within the legally required timeframe and provide written confirmation once these corrections have been made. If this matter is not adequately resolved, I will have no choice but to escalate my complaint further. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 'm in the process of trying to get financing for a home and TransUnion will not update my information correctly. They will not include accounts that I am a Authorized user on, on my credit file. They will not report correct balances on credit accounts on my credit file also. I have credit ( available credit ) that is n't being reported and that is causing my file to not show what my available credit is.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.