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

A public record of a bankruptcy discharged in XXXX was inaccurately reported across all three credit bureaus. I have disputed the information with all three bureaus for over a year. I finally got confirmation from the federal court that they do not verify bankruptcy information with the credit bureaus. The credit bureaus then told me after finally responding to the disputes that they use XXXX to verify public record information. I froze my XXXX account on XX/XX/XXXX. I then submitted a dispute of the bankruptcy information on XX/XX/XXXX to all three bureaus. XXXX did remove it from my credit report with them, but Experian and XXXX have not. Their response says they verified the information with XXXX, but they could not have because my account with them is frozen. 

XXXX has replied in writing how they receive their information about public records from XXXX, but Experian has failed to send me any response to my disputes in regard to the bankruptcy and how they verified the information. 

As seen in my attachments, the federal court attached to the bankruptcy provided written proof they do not verify bankruptcy information with the credit bureaus. XXXX confirmed they use XXXX to do so, and it is my understanding that is how Experian receives such information ; but they never responded to my request to prices written proof. Since my XXXX account was frozen by the time I submitted my dispute, XXXX nor Experian could have verified the information and by law must remove it as XXXX did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Wells Fargo holds escrow on the property to pay property tax and insurance. I received a letter dated 7 days before the insurance was due that they had not received the declaration page from the insurance company. When I logged into my insurance provider, the bill had not been paid and it was 8 days past due. 

I paid the bill and called Wells Fargo. After calling 2 different numbers and having to call back twice, finally reached a person. I explained the situation. They verified they had all my correct contact information for mobile number and email. They said they only contacted insurance company to try to get the bill. They did not contact me at all other than the letter that reached me AFTER the bill was due. 

I requested a refund of the insurance payment and they told me I would have to contact the insurance company. I told them I wanted a refund from the escrow and I also wanted to hold escrow going forward because I did not trust them to pay my taxes and insurance. 

After being transferred to 2 other people ( and almost an hour later ), I finally spoke with a supervisor. She told me it was the mortgage company 's policy ( they service the loan for XXXX XXXX ) that the load must be 2 years old. 

What are my options? I don't trust Wells Fargo and I don't have the time to deal with this situation on a regular basis. I need the insurance money paid back and I still do not know if or how they will do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.
Product: Debt collection

Lost my wallet about XXXX  years ago and ever since then I've been getting credit inquires on my report with out my knowledge and calls from applications i have never filled out there is a debt on my credit report that i have no knowledge about and tried explaining what's been going on since then and have got no results i also have called the XXXX and XXXX helping me dispute credit applications and inquires but it keeps on happening and now I have a debt on my credit report that I cant take off since they have all my information to open accounts
Product: Debt collection

The aforementioned credit agency representing  XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is  required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Credit Control Services does not have any documentation, they need to remove this from  my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

On XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX through XXXX XXXX 
The property was listed as a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that was supposed to contain two double or two twin beds. 

I arrived at XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> and attempted to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I immediately noticed that the hotel did not appear as pictured. The entire property was in a dilapidated, run down condition. The room that I was given was not the room I had XXXX. The room I was given contained 1 king size bed instead of the two double or twin beds that I had booked. The staff at the hotel told me that was the only room on the property available. 

I inspected the room and discovered the following issues : the room contained large quantities oXXXX XXXX XXXXd in XXXX XXXX and bathroom, the shower was filled with a previous guest 's hair and would not drain, and the entire room was generally dirty and unclean. I went around the property to document other issues and found that the water in the pool was the color and consistency of milk. The pool was completely contaminated and unusable. The water was so murky that the bottom of the pool could not be seen from the shallow end. There was also an open sewage pipe on the property that was causing a terrible smell that was unavoidable. The property had completely falsified their listing and misrepresented themselves. I ended up booking a room at a completely different property and departed XXXX XXXX XXXX XXXX XXXX as soon as I could. In the time that it took me to XXXX XXXX XXXX my mother was bitten several times by bed bugs by simply sitting on the furniture and bed in the room we were given. 

I reached out to try to settle these issues in two ways. First, I reached out to XXXX XXXX XXXX XXXXXX/XX/year> using their support messaging system. I followed their instructions and marked the message as urgent, which they said would be responded to within 24 hours. I did not receive a response from them until XX/XX/XXXX. Their response said they were unable to contact XXXXXXXX XXXX XXXX XXXXXXXX XXXX and were unable to assist in the matter. Second, I reached out to the staff at XXXX XXXX XXXX XXXX XXXXXXXX in person on XX/XX/year> to resolve the issues. They admitted that the room contained XXXX XXXX  and was generally unclean. They offered no recourse to address these issues. 

The advertisement created by XXXXXXXX XXXX XXXX XXXXXXXX XXXX was a material misrepresentation of their property. The room that I was given was unsafe for human habitation due to the severity of XXXX XXXX in the room. XXXX XXXX XXXX XXXXXXXX XXXX has committed fraud. 

I disputed this transaction with my credit card holder, Citi Bank. The dispute ID was XXXX. I included all of the above information, and pictures of the XXXXXXXX XXXX and all other issues I mentioned. Citi Bank disregarded all of this information and closed the dispute. The service that I paid for was not provided and XXXX XXXX XXXX XXXX XXXX fraudulently misrepresented themselves and violated our service contract.
Product: Mortgage

I had hail damage on my roof in XXXX NM in XXXX. The insurance company provided me checks for air conditioner replacement and for roof replacement. Flagstar Loss Draft department refuses to endorse the checks and forward me the insurance money so I can pay my contractors. I researched them on XXXX  and found they are doing this to tens of thousands of customers. I believe they are trying to keep insurance claim checks for themselves instead of endorsing and returning to their customers. I have had to contact them over 35 times and I get a different agent every time and a supervisor is never available. This appears to me to be way more than just incompetence and looks like a premeditated plan to keep insurance money. Consumers need protection from predatory practices and this looks like a prime example. It is now XXXX time and at this point I do not know how I am going to be able to get my insurance money back from them and pay my contractors.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Opened my account for my Apple/Goldman Sachs credit card XXXX XXXX of XXXX when Apple had first rolled out this new product. 

Used the Apple Card as my primary means to make transactions for everything I purchase to take advantage of their cash back program. 

Paid of my entire balance every single month since opening the account without fail for 6 years and never had to pay a single cent of interest. 

Rarely had charges that would exceed {$5000.00} at any time in the life of my account Apple/Goldman Sachs increased my credit limit 3 times up to {$45000.00} since opening the accountsaw this as a reward to being a good customer. 

On XX/XX/XXXX Apple/Goldman Sachs closed my account for 'a failure to comply with the terms of the Customer Agreement ' which was the only information that was given to me. 

Called Apple/Goldman Sachs several times taking to various service reps at each level of escalation possible. Not a single rep could give any more information than the vague details that were emailed to me on XX/XX/XXXX. 

Each of the Apple/Goldman Sachs graciously took my information and details about my inquiries and were diligent in their attempts to help me resolve this issue as quickly as they could. 

On XX/XX/XXXX I received a call back from Apple/Goldman Sachs with the news that my credit card account would officially be closed after looking into my case. There was no further information given to me or a clear explanation of where I have failed to 'comply with the terms of the customer agreement '. 

The remaining balance left on my account was {$2800.00} which I have paid in full as of today XX/XX/XXXX. 

As part of Apple/Goldman Sachs credit card cash back program, they offer a savings account where cash spending rewards will automatically be deposited. I took advantage of this offer and opened up an Apple savings account. 

Currently as of XX/XX/XXXX I have a balance of {$940.00} in my Apple savings account that I have been locked out of. I was informed by many Apple/Goldman Sachs customer service reps that I would have the ability to transfer any money that remains in my Apple savings account into either my linked bank account or to a virtual Apple Cash cardI do not have such ability to do so. 

This all came out of no where and am left feeling like I have been treated like a criminal by Apple/Goldman Sachs for being a loyal customer for 6 years while keeping a small to zero balance during the entire lifetime my account.

After all of the above, I was informed my Apple/Goldman Sachs customer service that after I pay off the remaining balance on my closed Apple Credit Card account XXXX that I would in fact be able to open up a new account and start again as a new customer. I do not understand this XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Checking or savings account

Someone tried to use XXXX to gain {$3500.00} cash from me. They were able to verify all my important information such as my social security number, address, and date of birth.
Product: Mortgage

XX/XX/XXXX RE : Written notice of unauthorized debit To Whom It May Concern : My account statement and my online account information shows a payment that should not have been made. 

I am writing to tell you the payment was an unauthorized transfer. My bank account number is XXXX. My XX/XX/XXXX account statement and other notifications online shows an automatic payment was made to Select Portfolio Servicing , Inc . However this payment was unauthorized. 

My Name : XXXX XXXX Checking Account Number : Payee Company Name : _ Select Portfolio Servicing , Inc . 
Payment amount : _____ {$1400.00} Date the payment ( s ) appeared on my account statement : XX/XX/XXXX Specifically : I never authorized the debit to this company. 

Select Portfolio Servicing, Inc., took over my mortgage from XXXX XXXX  in XX/XX/XXXX. We didnt know anything about them. They are a small regional firm located in Utah. We didn't trust them. Our mis-trust turned out to be well founded. 

Each payment we made was done with a physical check and sent via USPS Certified Mail. My check # XXXX was sent this way, and cashed XX/XX/XXXX. Minutes later, Select Portfolio Servicing, Inc. made a second, unauthorized electronic withdrawal of funds from my account in the amount of {$1400.00}. 

I want Select Portfolio Servicing, Inc., to make this right, pay any fines + overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I noticed that Trans Union is the only company which still has this inquire on my report even though I have notified and submitted my documents stating that the account is not mine.
Product: Credit card or prepaid card

Despite my on time payments and credit score rising 100 points form XX/XX/XXXX to XX/XX/XXXX credit score was lowered causing utilization to rise and credit score to drop. Criteria used to determine the decrease was pulled in XX/XX/XXXXbut score used was fromXX/XX/XXXX without my authorization. Creditor directed me to contact XXXX who is not responsible for the decision. Creditor is Walmart/Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a medical debt on my credit with out listing the original creditor. They are are not listing a name on the debt. I have mailed them out multiple disputes, I do not get a response at all. I have included screen shots of what the error is. Its been a year and I have not gotten the items removed. Since they are not reporting the name of the original creditor I do not who to call in re to the debt. Can you all please help me with this issue?
Product: Student loan

In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.
Product: Credit reporting or other personal consumer reports

Statement Regarding Fraudulent Loans Opened in My Name To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute two fraudulent loans that were opened in my name with XXXX. These loans were taken out without my knowledge or consent and remain unpaid. As a result, XXXX has continued to report negative and inaccurate information to the credit bureaus, significantly damaging my credit. 

Background of the Fraudulent Activity : 1. Incident of Identity Theft : My phone, banking information, and personal identifying details were stolen in XXXX, XXXX. The individual responsible used my stolen information to fraudulently open accounts and loans in my name at the same time. 

2. Police Report Filed : I immediately filed a police report and resolved any fraudulent charges that I was aware at that time in XXXX XXXX. 

3. Unauthorized XXXX  Loans : I was unaware that loans had been opened with XXXX until I noticed the negative impact on my credit report. I did not apply for, authorize, or receive any funds from these loans. 

4. Ongoing Negative Reporting : Despite multiple attempts to dispute these fraudulent accounts, XXXX has continued to report delinquent payments, harming my credit for over three years. 

XXXX. Attempts to Resolve : I have contacted XXXX directly to dispute these fraudulent accounts, but they have been uncooperative in addressing the issue. 


Requested Action : I respectfully request the following : Immediate removal of the fraudulent loans from my credit report. 
Cessation of any negative reporting related to these fraudulent accounts. 
Confirmation in writing that these accounts have been removed and that no further action will be taken against me regarding them. 

Attached to this statement are supporting documents, including a police report, Federal Trade Commission ( FTC ) identity theft report, and any previous dispute communications. 

I urge XXXX and the credit bureaus to act in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary steps to correct this injustice. I appreciate your prompt attention to this matter and look forward to a resolution. 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX XXXX XXXX XXXX
Product: Debt collection

This is a followup complaint to CFPB Complaint ID # XXXX. Commonwealth Financial Systems, Inc sent documentation in response to that complaint which proves that I am not the person they are pursuing with the debts which they reported to my credit. 

1 ) I have never resided at the address that they have listed for " XXXX XXXX '', which per the attached documentation is XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) I have no associates or dependents or family members named " XXXX XXXX '' or " XXXX XXXX. '' 3 ) No members of my family or myself took ambulances on XX/XX/2014. 

Therefore, I am not the person who owes this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ) Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 " GOVERNS ACCESS TO CONSUMER CREDIT REPORT RECORDS AND PROMOTES ACCURACY '' I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE ABOVE MENTIONED COMPANIES. HOW THEY OBTAINED MY INFORMATION AND HAVE IT SUBMITTED TO MT CREDIT REPORT WITHOUT MY PERMISSION IS A CRIME WITHIN ITSELF. THIS REQUEST IS TO HAVE THE INACCURATE INFORMATION PERMATELY REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>