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

CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Thank you, XXXX XXXX
Product: Debt collection

Claim : Defamation of Character Wakefield and Associates have injured me by placing a collection account on my consumer reports without giving written proof that I owe them a debt which is a violation of 15 U.S. Code 1692e. 

No contract provided with my wet signature No forward flow agreement provided No aggregate value provided No invoice was provided for the sale of the alleged debt No proof that they bought any debt This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major consumer credit reporting agencies, XXXX, Experian and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto Loan account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, A Charge Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account XXXX at XXXX XXXX XXXX XX/XX/XXXX under the account number # XXXX, and a Credit Card account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries or accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting

According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.
Product: Mortgage

In XX/XX/XXXX, I refinanced my mortgage with AXOS Bank and they sent me a check from excess escrow funds but I never received to my knowledge. On XX/XX/XXXX I received a letter from XXXX stating that I never cashed the original check and asked what I would like to do. One of the options was to reissue a replacement check in the amount of {$7200.00}. I submitted the request using their form before the XX/XX/XXXX due date via email and ended up receiving a response stating that the mortgage has changed lenders and the funds are not available. I responded and told them that the new mortgage company ( XXXX XXXX ) does not have the funds per a phone call with SG. They did not respond. The property ID per AXOS is AXOSBNK XXXX. Please help me get the funds that they stated are avaialble.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed a claim on my report for XXXX XXXX XX/XX/XXXX again disputed the same said claim on my report for XXXX XX/XX/XXXX disputed the said same once more for XXXX on my report. 
The same generated response. 
-- -- INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I would like to be shown proof of the accuracy, not just a generated result. The account in question is from a purchase with XXXX for a truck that became a lemon but was a re-sale, so it had no recourse. I in-turn after over {$150000.00} in continual repairs at the last place, where I could not afford to repair a 3rd engine, called XXXX and explained where the truck was, gave the contact of the tow yard, and which they said they would obtain the truck, sell it, and send me a receipt for unpaid balances since I only had only 11 months left to pay off. 
Contact was made to XXXX again about 6 months later, in which they said they were getting the truck. One year later, the owner of the tow yard said they had never picked up the truck, and therefore they had to sell it to recoup losses ; abandoned. Now, it says an amount that is not what was discussed, but they had left the truck there, without telling me anything, because I could have sold it, and paid off my debt. I have no knowledge therefore of this debt since the truck was given back to the lender ( XXXX XXXX ), and I have not received anything to a fact of their receipt of the asset, and or sale of it, so therefore this debt is considered inaccurate, and they have not shown proof of anything, just a generated message. Transunion is only using the lines of the bare minimum, yet this has been the same generated message for results since my dispute. I am requesting that it be removed immediately since no proof of said debt has been proven, i.e. signatures, amounts, debt service dates, and/or reason as to why the truck was not obtained and/or sold at auction. 
Also, my credit report is clean and over XXXX, I have no other issues with other bureaus but Transunion, who also had decreased my score, XXXX points for no known reason, as I have no collections and no balances, credit surpassing {$90.00}, making no sense. I find Transunion to be deceptive. I also contacted them regarding addresses on my account which are incorrect, and names being incorrect, by which they allow no way to cure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the 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 USC 1681 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name XXXX XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX 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 a account without my written instructions. 

15 U.S.C 1681 C. ( 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 more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal XXXX XXXX should clear this up. Name on account was name of my email name paypal computer 's grabbed my email as my name On old dial up speed. In XX/XX/XXXX XXXX years no problem, until PayPal used my credit card, instead of funds available in excess of {$1000.00} to make purchase for antenna. 

XXXX XXXX fighting in this part, but PayPal has frozen my account, and the credit card in my name. Address they have On me includes my name, address, phone. 
Documents sent in could open a house, they requested. Instead of helping they use my money interest free for 6 months? 
XXXX hooked to this account with my name and email, exact address, phone. 

Never have disputed anything. 19 years using buying or selling on XXXX, that have me balance I was using just days before, until I noticed no funds and my checking account closed. 
XXXX XXXX card out on, then without my knowledge, they charged an antenna I purchased, received in good condition. Let ebay user know why bank involved. 

But over1k PayPal has suspended my account after telling at me On the phone for two hours, after 3 months of robots responding to emails. 

I am needing these funds to buy medical supplies as have XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up as a derogatory account on my credit report, this is simply not true. I had a vehicle financed through them which i traded in to XXXX XXXX  when i purchased another vehicle ... the dealer was supposed to payoff the cars balance. Im not sure why its on my report as being derogatory as my account is and has always been in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies written disputes regarding XXXX Bank account # XXXX on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. This account was closed and charged off and reporting a balance of {$2000.00}. Despite the debt being sold to a law firm, XXXX has continued to report a balance on my credit report. This reporting is misleading and inaccurate, as the debt no longer belongs to XXXX, and they have no legal right to collect on it or report its status. The credit reporting agencies or XXXXXXXX XXXX have not sent any proof that I owe this debt.
Product: Credit reporting or other personal consumer reports

Experain and XXXX must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they should contact him personally for a 3 way call
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX XXXX Balance : {$5900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$350.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} DEPT OF EDXXXX XXXX Balance : {$1100.00} DEPT OF EDXXXX XXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX  XXXX Balance : {$5800.00} DEPT OF EDXXXX XXXX Balance : {$9300.00} DEPT OF EDXXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXX Balance : {$1100.00} DEPT OF ED/XXXX  XXXX Balance : {$5900.00} DEPT OF EDXXXX XXXX Balance : {$3900.00} DEPT OF EDXXXX XXXX Balance XXXX {$1900.00} DEPT OF EDXXXX XXXX Balance : {$3000.00} DEPT OF EDXXXX XXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

Repeated phone calls. I don't answer numbers I do not know and they leave no messages. I don't owe any debt right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX and Experian I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Debt collection

I am writing to file a formal complaint against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a XXXX XXXX in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both Discover Bank and the XXXX XXXX XXXX XXXX and XXXX 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

Discover Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX XXXX and XXXX, in their pursuit of collection on behalf of Discover Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against Discover Bank and the XXXX XXXX XXXX XXXX and XXXX if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by Discover Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
Product: Credit reporting

I logged in my credit report XXXX XXXX 2016 and my mortgage late payments were removed and now they are back on there which has brought my credit score down.
Product: Debt collection

I have a debt in collections listed on my credit report through XXXX. It is for XXXX XXXX and I do not have an account through them. They refer me to the debt agency. 

The debt collector is XXXX. SYSTEM, XXXX. I have tried to call numerous times but am left on hold for significant amounts of time with no response and then it ends up hanging up on me. 

I have never received a phone call, letter, or mail regarding this debt.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX  - XXXX account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$5200.00}, XXXX XXXX {$12000.00}, XXXX  XXXX Balance {$96.00}, XXXX Bank XXXX {$470.00}, XXXX  XXXX Balance {$290.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called IQ Data International Collection company on  Friday XX/XX/2019 regarding a payoff letter for my lender. 

1. I was told that I had to provide a debit card number, expiration date and CVV in order to have my payoff letter " Generated '' - I hesitantly allowed them to use the card that was apparently already on file, though I personally never once gave them my debit card nor did I ever authorize them to have that. 

2. I have since called back today, XX/XX/2019, as I have not received that payoff letter. The woman I spoke to was able to verify my email address and a comment about how someone was scheduled to send that ( which means they lied, they told me it was already sent during the first phone call ). So I asked if she could resend that. she refused. I asked her who could, She said her boss could but that he wasn't around. 

This is preventing me from buying a mortgage. My closing date is XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached copies of the - XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX prior to the deletion that occurred in XX/XX/XXXX per law. The original date of the first delinquency was XX/XX/XXXX which has now been reentered illegally reflecting a date of XX/XX/XXXX. Also, my credit score has taken a major hit as the account is reported as the first major delinquency as XX/XX/XXXX which was previously listed as XX/XX/XXXX. I have attached a copy of the XX/XX/XXXX reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not updated the late payments that I have been disputing on my credit report. Show me how you " verified '' this. 

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX  XXXX XXXX XXXX, ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.