23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX  and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my transunion XXXX XXXX credit report on XX/XX/XXXX, 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 generallf, 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.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year>
Product: Mortgage

My mortgage company ( greentree services ) has been ripping us off. We bought our home in XX/XX/1999 at {$55000.00} with a 6.5 interest rate and 30yrs. They say we still owe {$44000.00}. When we looked at our account on their website it clearly shows they are charging us a 10 % finance charge. Our monthly mortgage is {$560.00}. {$310.00} go to interest fee and {$110.00} go towards our payment. Now I 'm not the smartest person but I do know that this is not right. What can we do because after living in the home for 15+ years they 're saying we still owe {$44000.00}. Please help us
Product: Credit reporting or other personal consumer reports

Dear TransUnion XXXX XXXX, I am writing to formally dispute the reporting of an account associated with XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. After reviewing Your recent dispute results investigation File Number : XXXX, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and demand an immediate investigation into these inaccuracies. 

Basis of Dispute and Request for Deletion : Address Mismatch Failure to Maintain Maximum Possible Accuracy. 

The address TransUnion has listed for me is incorrect and incomplete. The FCRA requires consumer reporting agencies to maintain the maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). The incorrect address you have used demonstrates a failure to verify my identity properly and thus invalidates any investigation results. 


The correct address on file should be XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, as it is on my XXXX  drivers license not the inaccurate version reflected on your investigation results report. 
This discrepancy alone violates the FCRA accuracy requirements and makes any reported information unreliable. 

Inconsistent and Conflicting Account Information The reported balance, charge-off amount, and payment history do not match across different credit bureaus. According to my XXXX  report, XXXX and XXXX are reporting different high balances and past due amounts compared to TransUnion. 


High Balance Inconsistencies : TransUnion : {$13000.00} XXXX : {$15000.00} ( different charge-off amount ) Last Payment Dates Conflict : TransUnion : XX/XX/year> Other bureaus show different dates. 

This suggests that either XXXX XXXX is providing conflicting data or TransUnion is failing to accurately update records. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), any unverifiable or inaccurate information must be promptly deleted from my report. 


Failure to Provide the XXXX of XXXX The FCRA mandates that credit bureaus must provide consumers with their method of verification upon request ( 15 U.S.C. 1681i ( a ) ( XXXX ) ). I previously disputed this account, yet TransUnion failed to provide any supporting documentation from XXXX XXXX proving the validity of the debt. 


I am demanding a copy of the original signed contract with XXXX XXXX, proving that this debt belongs to me. 
If you can not provide this documentation within XXXX  days, per the FCRA, you are legally required to delete the account immediately.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix
Product: Debt collection

I was not given any information about this debt from XXXX XXXX. There were no notifications, letters, calls, or emails about this loan. I started getting garnished for my wages : XX/XX/year> - {$250.00} XX/XX/year> - XXXX XX/XX/year> - {$270.00} Their website XXXX XXXX XXXX XXXX  shows a licensing page, but there are no license numbers listed on this site
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Product: Credit reporting or other personal consumer reports

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b XXXX. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 XXXX. 
I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Debt collection

The co. is GINNY 's. The latest communication was a letter from XXXX XXXX XXXX XXXX  XXXX dated XX/XX/XXXX, in which they included a copy of a Ginny 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. 
I phoned and spoke to a rep at XXXX on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that Ginny 's is referring to. ) The rep with whom I spoke told me he would let Ginny 's know that the merchandise was returned to sender. I have never shopped with Ginny 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER WENT TO XXXX XXXX XXXX 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Product: Mortgage

Bayview Loan Servicing , LLC ( Bayview ) is my purported mortgagee. They initiated foreclosure proceedings on my home in Texas XX/XX/2016 without first providing a default notice and opportunity to cure as required by the Texas Property Code and Deed of Trust. I was not in default when the foreclosure was commenced. I filed a lawsuit to get the foreclosure restrained, and the judge granted my request for a TRO. Before the foreclosure, Bayview did not comply with 12 CFR 1024.39 ( a ), which requires a servicer to establish contact with a delinquent borrower not later than the 36th day after the delinquency. Bayview never called me. Not later than the 45th day, a servicer has to provide a delinquent borrower with a written notice as set out in 12 CFR 1024.39 ( b ) ( 1 ). Bayview did not do this either. Bayview has also violated the continuity of contacts requirements of 12 CFR 1024.40. Furthermore, pursuant to 12 CFR 1024.41 ( f ) ( 1 ), a servicer shall not make the first notice or filing required for foreclosure unless the borrower 's mortgage loan obligation is more than 120 days delinquent. If Bayview has not even complied with the above rules regarding initial contact and loss mitigation, then certainly they should not be trying to foreclose. Bayview is totally ignoring my contract rights and RESPA, and they are going to try to foreclose on me again soon.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Because my card number was stolen for the third time, I reported the fraud and cancelled the account with Comenity Capital Bank in XXXXXXXX XXXX. They researched and finally decided it wasn't my charge and closed the account in XXXXXXXX XXXX. In XXXX, I received a payment notice with interest, on a balance I did not owe. On XX/XX/XXXX, I called and had the account closed by agreeing to pay {$70.00}. They deducted that amount from my bank account. Now it is the end of XXXXXXXX XXXX, and they are still sending me statements saying I owe an additional {$32.00}!! I owe nothing as the card was cancelled in XXXX, paid " in full '' on XX/XX/XXXX! And their automated assistance will NOT allow me to speak with someone to confirm all this happened.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. While reviewing my credit report, I discovered several fraudulent accounts that I did not authorize. 

XXXX XXXX Account # XXXX This accounts is not mine, and I have no connection to them. This inaccurate account is negatively impacting my credit score, limiting my ability to obtain credit, and causing significant inconvenience. I request the immediate removal of these fraudulent accounts from my credit report.

Thank you for your prompt attention to this matter.

15 U.S. Code 1681c2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Product: Money transfer, virtual currency, or money service

There was authorize transaction in to my account I dont know
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - EQUIFAX XXXX ( Miscellaneous ) XX/XX/2022 - EQUIFAX XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last Reported : XX/XX/XXXX Collection agency : XXXX XXXX XXXX Date openXX/XX/XXXX {$1000.00} I want to know how was this account open XX/XX/XXXX.. 
I would like to have this account removed off my credit..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

midland credit management {$1000.00} XX/XX/year> I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX US DEPT ED  XXXX XXXX XXXX XXXX OF EDXXXX XXXX DP OF EDUC XXXX USDOEXXXX XXXX
Product: Credit reporting or other personal consumer reports

After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a  completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX