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

Date : XX/XX/XXXX To : TransUnion Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report Violations of U.S. Laws Dear TransUnion Representatives, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under U.S. law regarding the accuracy and protection of consumer information.

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with equifax for almost 4 years now and they are not fixing the issue. Issue being, I am unable to create an account with them. When I enter information, it says call customer support and mention error code XXXX. I have send mail of my drivers license, social security number, and they said they never received it. I have called about XXXX times ( not exaggerating ). I have done lots of research online with people who have had the same issues, I have tried many solutions and nothing is working. I will mention again, its been 4 years of this. Last complaint, they responded with we cant find a credit line, send in your drivers license and social security number. Which is what I did already. And they never received it.
Product: Debt collection

I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.
Product: Credit reporting or other personal consumer reports

I have a copy of my credit report from the bureaus and some things are reported inaccurately on my credit report especially from XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information that was removed is now reappearing
Product: Debt or credit management

I reached out to 90 day credit experts in XX/XX/2023 to repair my credit they offered a XXXX points in 90 days if not you will get your money back guaranteed and you can be exited out. Nothing has changed to my credit and they will not let me exit out they continue to charge me and has locked me into a contract. They keep trying to pull money from my account I have reached out numerous times asking them to cancel. They have threatened to send me to collections they keep harassing me with phone calls and messages via portal. This is not right for these credit repair companies who is suppose to help your credit, they ruin it. The owner XXXX lives this fancy lifestyle on XXXX  while he scam people into funding it. He preys on low class struggling people that needs help just to place them in collections and ruin their credit with these faulty contracts. They have so many of these complaints on XXXX  and nothing has been done. You should be able to cancel a service if it is not done or you simply do not need it anymore, we are in a recession. These credit repair scams need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the customer with XXXX I did buy their XXXX  in XX/XX/XXXXand paid by my bank card, all done. But I got trick to their offer to try and use their XXXX XXXX, I did try and cancel AFTER they charge me initial try for {$99.00} USD, and monthly they keep charged into my bank card, I cancel and got all the refund back. 
In XX/XX/XXXX I have no choice have to look back XXXX to buy their other product : XXXX XXXX, I did buy and paid by my credit card ... this time their products are not working, I have to return, they got it back and promise will refund back to me the amount I pay, and payment never received from XXXX.After I bought their products they also offer me to apply for their credit card, I surprise ... and try to apply ... week later, I got the reject letter from XXXX XXXX notify me I don't qualify, that letter was from XXXX XXXX .... later XXXX send me a card call XXXX XXXX, last year I apply XXXX but NO CARD, this year DIDN'T apply XXXX  and got the card .... and ridiculous on the card has a sticker : NO ACTIVATION REQUIRED..! so when you receive, you have it, you are the owner you have to pay what ever thay ask you to pay as the agreement, I never know they have the non sense agreement that I never get it in the mail or by email or asking me to check XXXX   page ... XXXX end up I have the letter asking me to pay lamost {$400.00} usd include the late payment which is {$35.00} each poip .... That's the way XXXX trick all customers to buy their products with free shipping. 
I complain about XXXX XXXX and they promise and send me back a letter, they did but NOT IN DETAILS .... what product I bought? and they also give me all the refund but later they charged back ... that's is the point I have to write this letter. 
Thay start search my credit report, from XX/XX/XXXX until XX/XX/XXXX almost more than 10 times my credit report was searched by XXXX & XXXX XXXX  in Florida .... please give me the answer, about the details, FEAR LAW, and PRIVACY LAW PROTECTION .... my privacy was invaded by XXXX & XXXX XXXX at any time they want, they can steal your information to resell to other company online, after XX/XX/XXXX, I got lots of {$1.00} life insurance invitation, car insurance, home mortgage loan and my credit FICO sore was shrink to XXXX in XX/XX/XXXX from XXXX XXXX .... 
XXXX XXXX  also help XXXX to attack customers at the same time, they never give you WHO COME in to check your credit score, on their FICO score I approved they are excellent rating but after I found they are hired by XXXX then the story is finished with XXXX. 
XXXX XXXX  send me letter or billing statement monthly, XX/XX/XXXX they treat me if I didn't pay the bill they will let the COLLECTION AGENT TAKE CARE for them, just less than {$300.00} unpaid bill because the wrong charge and overcharged bill and they never send me the details of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.
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 buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening. Hoping that you could help me out. 

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

I HAVE SUBMITTED SEVERAL DISPUTES TO THE CREDIT BUREAUS AND THEY ARE NOT RESPONDING AT ALL. THIS IS NOT RIGHT. 

THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT. 


SEE ATTACHED CREDIT DISPUTES AND INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy in My Credit Report Request for Removal under Section 623A-5 Dear Sir/Madam, I am writing to formally dispute the bankruptcy that has been incorrectly reported on my credit report. Under Section 623A-5 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information that is being reported. 

Upon reviewing my credit report, I have identified that the bankruptcy listed in my credit history Transunion is incorrect. I am requesting your assistance in removing this from my credit report, as I believe it was reported in error or is not verifiable. 

Details of the Dispute : Name of the court where the bankruptcy was filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy case number : XXXX Date of bankruptcy filing : XX/XX/year> Reason for the dispute : Lack of debt validation, error in reporting Under Section 623A-XXXX, I request that you investigate this matter and take appropriate actions to remove the incorrect information from my credit report. According to the applicable laws, the information must be accurate and verifiable, and in my case, it does not meet those criteria. 

I have attached the relevant documents to support my dispute, including : A copy of my credit report showing the bankruptcy As stipulated by the Fair Credit Reporting Act, I understand that you are required to resolve this dispute within 30 days. I would appreciate it if you could update me on the progress of my case and the resolution of this dispute. 

If this incorrect information is not removed, I will be forced to take further legal actions, which may include filing a complaint with the Department of Justice or pursuing additional legal measures. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX [ Last 4 digits of your Social Security Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX DEPT OF EDXXXX XXXX Account name : # XXXX, Account name : # 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 1681c. ( 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card

I sent payment in full for my XX/XX/year> bill The same day as I mailed all my other bills. Every other bill was received and processed in a timely manner. This is the only one which was supposedly late. This is the second time this year that they said that. After going on line and reviewing comments on this bank I believe it is a scam and they do this quite often to consumers using their credit cards. This Comenity Bank is the card that many retailers use. The customer care person told me it was not their problem take it up with the Post Office. It has now been since XXXX. They keep charging me late fees on-top of late fees plus interest. I called them again and told them I dont think I should pay XXXX for a paid in full XXXX dollar charge. The representative stated I owe the money My XXXX plus credit score has gone down over XXXX points because of the abuse of this company. I asked how often they check XXXX XXXX XXXX He did not know. I asked how often. They processed bills. He did not know. I asked how many people were processing bills. He did not know. I believe this company is unethical and uses unethical tactics to increase their revenues
Product: Mortgage

I sent complaint CFPB # XXXX in 2017, about XXXX XXXX XXXX 's Escrow Fraud. I hoped that was the end of it, but 2 months later XXXX   transferred the servicing of my loan to Specialized Loan Servicing and it all started again. XXXX or SLS can NOT show that I ever actually signed up for any escrow what so ever. I DID NOT ASK FOR AN ESCROW ACCOUNT! I have asked for proof that I did, over and over, and they just ignore that part. I have NO escrow account with either company yet they say that I owe over {$3000.00} for this imaginary escrow. I do not! 
After answering to you, they suggested that I have an escrow for home insurance. I made 2 large payments, but they did not pay the premiums for my home insurance with XXXX XXXX and my insurance was cancelled! I worked out a payment plan to be reinstated and demanded that any money from XXXX or SLS be returned. For this current year, I have already paid monthly insurances ( home ) and total flood and taxes. SLS continues to demand thousands from me even though there is nothing to pay. 
SINCE I NEVER SIGNED UP FOR ESCROW, THEY MUST STOP THE HARRASSMENT. THEY PLAN TO FORECLOSE!!! They have resorted to sending back my monthly mortgage payments. I suspect they will then be saying I am " behind '' in my payments? 
I AM ABOUT TO LOSE MY HOME OVER $ 3,000+ which I do not owe and can not pay. I have made my mortgage payment every month. I WANT AN HONEST PAYOFF AMOUNT WITH NO IMAGINARY ESCROW, SO I CAN REFINANCE WITH MY CREDIT UNION. HELP!
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account EXETER FIN XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that EXETER FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Why did portfolio recovery solutions run my XXXX   Credit Report without my permission? I now have an inquiry from them. This makes no sense at all.
Product: Checking or savings account

Funds wasn report as a fraudulent transaction based on a contract that was breached and initially reversed back to my account. Several days later even after providing proof of claim the bank sent my funds back to the woman that fraudulently scammed the money from me. A police report was made as well as complaint filed with the FTC
Product: Payday loan, title loan, or personal loan

I tried to make a payment at approximately XXXX XXXX  using Mariner Finance 's online customer portal. Instead of processing my payment, it states that my account is on restricted payments. I called Mariner Finance on XX/XX/22 to find out what options were available to me since I had not yet been able to make my XX/XX/22 payment due to some unexpected expenses for auto and household repairs. The main option available was to allow them to run a credit check to see if I could get an additional {$500.00} dollars and they'd refinance my loan. I refused that option because I neither want the additional inquiry on my credit, or their {$500.00}. When I refused, rep, XXXX 's offer, she said that I would have to make a payment with her. So, I explained to her that I was driving and that since I was not yet 30 days late on my account, I would make a payment by XXXX, XX/XX/22 by going online and scheduling a future-dated payment dated for XX/XX/22. I also explained that since I wouldn't get paid again until the end of XXXX, I would make the XXXX payment then to bring my account up to date. Instead she tried to force me to speak with the Branch Manager, XXXX XXXX, who is very unprofessional and uses bullying tactics when interacting with me as a customer. So, I hung up before he got on the call because I have no plans of dealing with him. Now, they have evidently taken away my ability to make payments online. So, they are trying to cause my account to get to 30 days late. I have also uploaded two letters, which I received on the same XX/XX/22. One is dated XX/XX/22 that notified me of the possibility of a negative report to credit reporting agencies. 
You will notice that the XX/XX/22 letter lists four ways to submit a payment ; however, I am currently unable to make a payment in accordance with the options listed. This proves that they are using bullying and intimidation tactics when interacting with customers. I does not state that I need to speak with them. So, I am trying to make a payment. 
The other is dated XX/XX/22, which informs me that if they do not receive payment in full within 15 days of the date of the letter, they will file a suit/judgement against me. 
I feel that they try to prey on customers and bank on them being ill-informed and afraid to take action on their own behalf.
Product: Mortgage

I was a consumer that had been hit by Wells Fargo Mortgages/Non modification team and was even served by controversial WF appointed Lawyer XXXX XXXX XXXX ( whos employees were caught in XXXX XXXX and also pretending to be homeless for their XXXX costumes - mocking their foreclosure cases ). He himself told us that we could not REfinance and he petitioned to put the house in foreclosure. We had to dig our way out of this and even then had to pay back fees on top of back mortgage. Wells Fargo has not contacted me to offer any kind of resolution or settlement per the press release that came out in XX/XX/2022. How do I proceed from here?
Product: Debt collection

I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.