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

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ), on XXXX its ( XX/XX/XXXX ), and on Equifax its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Mortgage

Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$3700.00}
Product: Credit reporting or other personal consumer reports

I applied for an apartment and they used XXXX  XXXX XXXX XXXX to screen my credit and renter history. According to XXXX I owe {$XXXX0} to XXXX Apartments from XX/XX/XXXX. However, I lived at XXXX until XXXX so I clearly didn't get evicted in XXXX nor did I owe them anything or I'd have been removed by law enforcement. I filed a dispute but I got an email the next morning saying the information was accurate. However, I called the justice court where it was filed and they said they didn't have a record of me owing anything. I also called the apartment complex that did the filing and they said since they'd been bought out they didn't have a record of me me owing or having paid XXXX way or the other. However, the apartment XXXX did say that there would be a collection agency if I did indeed owe some type of money. So I'm left with the problem of an inaccurate debt on my screening and Transunion themselves can't even tell me who I'm supposed to be paying. More accurately, the party they say I owe doesn't even claim the debt. Meanwhile, I can't get an apartment and I'm having to pay weekly rates at a hotel. 

I'm enclosing a copy of my rent that I paid in XXXX of XXXX, XXXX years after the alleged judgement against me. I'm also including a copy of my XXXX bank statement that shows the XXXX dollars of a bank debit which was the cashier check I used to pay the apartment complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, 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 consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : XXXXXXXX XXXXl to be removed XXXX XXXX XXXX XXXXXXXX XXXXXXXX these accounts were fraudulently opened and charges were made that i was not aware of, i was also threatened by the criminals to do certain things i did not want too. the companies will not remove the charges and holding me responsible. the fbi was contacted and police report filed. XXXX, XXXX and equifax are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies.
Product: Credit card or prepaid card

My Comenity Lane Bryant credit card payment was due XX/XX/XXXX and I attempted to log onto their system at least once every couple of day since XX/XX/XXXX unsuccessfully. The system/company is indicating system updates and to try again, which I did - both online and by calling. 
I called the retail branch XX/XX/XXXX and they can't take a payment t and refer me to Comenity.

I am worried about late fees and penalties, but also the affect on my credit score.
Product: Money transfer, virtual currency, or money service

my mother is elderly and she got quite a few knocks on the door for " workers '' that came in and fix the plumbing. then they wanted payment or they will go to : court '' so she paid them as this is her residence, which has been since XXXX. 
Then several cars driving by slowed down and stopped and went by like if they were - according going to do someting, and there were some bystanders outside that were not her neighbors .... She has been there for over 14 years and those were unkonwn and lots of them. I assuredis a safe neighborhood but investigated the footage on the alarm company and indeed there was a lot a lot of traffic. 
Then she was directed to a site where a person wanted cash in XXXX hours or else he was gongt to do something. 
I view the emails, and it is a california person that said wass associated with a collection company but then emailed my other a demand for cash along with an interrogatory to sign via docusign that same day. I do not know the extent of the financial information or non public private information this subject extracted form my mother, but it seemed so suspicious because he di dnot want to anwer any questions mom asked via email and then he " withdrew the -puestionnaire- he sent for docusing signing '' She was ill due to covid and in the middle of some very confusing people that are harassing her and the attorney that she knew XXXX XXXX XXXX XXXX not found in the title company that he worked, he moved apparently to first american title and then to fidelity title and my emails are being returned. I found hin on the NM XXXX XXXX XXXX website and tried to get a message to him as he and XXXX XXXX, were XXXX realtors in XXXX and attorneys that my mom said represented her in the purchase of the home in XXXX with the bank and the escrow company and they did also represent me in XXXX per the new mexico realtor forms that realtors use in relation to nm title laws and the land contracts that are written and sponsoored in XXXX. 
We do not know anything about this XXXX XXXX, he seems shady and from another state and demanding certified funds in XXXX hours.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXX XXXX EST. Dont send any mail whether its USPS XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Mortgage

On XX/XX/XXXX I was forced to sell my Home as I was so far behind. Started with XXXX  XXXX XXXX. XXXX and I refinanced home in XX/XX/XXXX, and in XXXX he passed away. 
XXXX  XXXX XXXX refinance my mortgage with out me knowing. Constantly asking for modifications on Home. Mortgage then sold to Nationstar for a short period of time. The passed over the Mr. Cooper of whom was paid off when house was sold. 
I owed in XXXX XXXX when husband passed. Suddenly up to XXXX in XXXX. Then sold to Nationstar. I alerted Nationstar of this but no answers. Then passed into Mr. Coopers hands, also alerting them. All the information on the refianance is Fraudulent. 
Using my Husband 's social security income, My XXXX from his death. 5 years after his death. I am appauled. I have many documents to support this accusation. 
XXXX XXXX
Product: Debt collection

I sent experian a identity theft affidavit to prove it was theft they did nothing it is causing me hardship
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian, XXXX and XXXX consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have lived at XXXX XXXX XXXX XXXX XXXX Tx XXXX for since XXXX. 

My personal information was stolen and an an auto loan was acquired by someone in XXXX Texas. 

The loan was financed with GM Financial Account # XXXX XXXX XXXX XXXX XXXX TX XXXX. 
on XXXX, past due balance and charged off as of XXXX in the amount of {$72000.00}. 

At the time the loan acquired in XXXX using the false address which I am not and never have been associated with is XXXX XXXX XXXX XXXX XXXX Tx XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX of XXXX, I was unable to pay my Capital One credit card due to the Government shutdown that had taken place around XX/XX/XXXX and lasted approximately 35 days. I work as a certified XXXX XXXX, and my wages were put on freeze during the shutdown, placing me in a position of temporary hardship. I missed 3 payments on my capital one credit card, putting me at 90-day delinquency on my credit report. However immediately paid the entire balance once I began receiving my wages. I send Capital One a Goodwill letter explaining the situation and requesting that they remove the delinquencies from my credit report, and also provided a letter from my employer. They sent me a letter declining to delete the derogatories from my credit profile.
Product: Debt collection

I am unaware of the nature of this debt, I didnot receive proper notification of this debt before it was reported on my credit reports. IF in fact you believe that i received proper notification, please provide a copy of the certified mail receipt with my name and signature on it stating that I received it
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 Credit Central, LLC and XXXX ( the XXXX, Louisiana Branch ) used my social security number without me signing an application on XX/XX/2020 to access my credit reports. I called and spoke to the representative XXXX XXXX on XX/XX/2020 and she told me that they had to right to pull a hard inquiry on my credit report in order to find my current address. Once my credit file was accessed illegally, a member from Credit Central, LLC and XXXX named XXXX XXXX came to my home at XXXX XXXX  on XX/XX/2020 and rang my doorbell several times. I was asleep in bed with my XXXX XXXX who was XXXX  on XX/XX/2020 and the doorbell rang so loud waking myself and my XXXX. This company has also sent representatives to my grandmother 's home to look for me in the past. I am one payment behind and I spoke to the manager XXXX on XX/XX/2020 and notified her once I received my income tax, that I would pay the account in full because I am out on maternity leave and do not have any income coming in at the moment. XXXX asked me could she file my taxes because they have a tax service and I notified her that someone else prepares my income taxes.. She informed me that I could get a cash advance if they filed my taxes and I refused. Again, fast forward to today, this company has accessed my credit report without any signature my from authorizing them to do so on XX/XX/2020.
Product: Debt collection

This debt does not belong to me and has been removed from 2 Credit  Bureaus. Please remove from my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and had been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. EXPERIAN continues to send only credit reports. Since XX/XX/21 I have received 11 reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA XXXX have an obligation to investigate and report verified information.
Product: Debt collection

To date, I have not received any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay XXXX XXXX. XXXX XXXX also failed to show ( 1 ) that a contract existed between myself and XXXX XXXX XXXX and XXXX XXXX and ( 2 ) a summarization of the amount allegedly owed on the account. Finally, XXXX XXXX did not supply a bill of sale or copy of assignment agreement pertaining to the alleged account between myself and XXXX XXXX XXXX and an alleged account between myself and XXXX XXXX. I disputed the alleged debt in XXXX XXXX, however XXXX XXXX continued to try to collect on the account from me, in violation of numerous provisions of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, which prohibits unfair and deceptive debt-collection practices. XXXX XXXX failed to report to XXXX Credit Bureau that this alleged account has been disputed which is in violation of the Fair Debt Collection Practices Act, Section 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means with the collection of any debt. Subsection ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 1. Disputed Debt. If a debt collector knows that a debt is disputed by the consumer, either from receipt of written notice ( Section 809 ) or other means, and reports it to a credit bureau, he must report it as disputed. 2. Post-report dispute. When a debt collector learns of a dispute after reporting the debt to a credit bureau, the dispute need not also be reported ; and 4.  Violation of the Fair Credit Reporting Act including but not limited to Section 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute. ( 1 ) In general. After receiving notice pursuant to Section 611 ( 1 ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to Section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph
Product: Credit reporting, credit repair services, or other personal consumer reports

An account appeared on my credit report from Southwest Credit Systems on XX/XX/2019. This account does not belong to me and should to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A XXXX XXXX YEAR OLD VICTIM OF IDENTITY THEFT. I DID NOT OPEN THIS USAA ACCOUNT. XX/XX/2020 I submitted investigations to XXXX   & XXXX of USAA CREDIT REPORTING PROVIDING FTC ID THEFT REPORT XXXX & REQUESTING ORIGINAL WRITTEN DOCUMENTATION I OPENED THIS ACCOUNT TO VERIFY THIS ACCOUNT WAS/IS MY ACCOUNT.??? SUDDENLY, after 35 years of USAA VERIFYING ME WITH MY PROFILE DATA FROM MY AUTO INSURANCE ** SUDDENLY MY DRIVERS LICENSE IS NEEDED.??? XXXX How SNEAKY of USAA TO SUDDENLY NOW BE ** UNABLE TO VERIFY ME ( after 35 yrs of verifying ) ME & ASK FOR A COPY OF MY DRIVERS LICENSE?? USAA IS THIS TO DOCUMENT PROOF I OPENED THIS ID THEFT ACCOUNT PERHAPS USAA???? I DO NOT TRUST USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my XXXX cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my XXXX accounts are reporting as being in dispute. I called XXXX explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to XXXX 2 ) Page of my credit report showing the 2 XXXX credit cards with Consumer Statements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except XXXX  and Transunion. 

We would like XXXX  and Transunion to remove this late remark from both our credit reports since it is affecting our credit.
Product: Checking or savings account

Hi, Wells Fargo send me a letter, they told me about they closed around three accounts!! This accounts I didnt know I had!! Never saw this accounts in my mobile app, or in my statements, bc I didnt opened!!
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX ( XXXX ) XXXX XXXX Affirm : My name is XXXX XXXX. I am writing to you today to lodge a huge complaint about your service. 
I have been using your service for more than a few years now, without a problem or complaint. 
My bills are always paid on time, every week. 
For the past few months, I have been unable to create new orders due to being asked to submit ID verification via a website link. 
However, every time I submit my Identification, I am told that you can not verify my identity. This is not the first time I have had to verify my identity with you, in this manner, but it is the first time you have told me that by submitting the exact same identification, that you can not verify my identity. 
My account with Affirm is still active and you are still extracting weekly payments from my financial account, and are denying me access to purchase any products, on-going. 
If Affirm, affirms that they can not verify my identity, you are committing financial fraud yourself, by extracting payments from an account that you can not verify the identity of its owner. 
This miscarriage of justice has lead me to believe that you have taken out a discrimination act on me, because of my appearance. And are stealing my money in the process. 
I am requesting to have access to Affirm once again, without hesitation. I will also follow up with a letter written to my local Attorneys General consult and the Office of Civil Rights. 

Thank you, -XXXX