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

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX  XXXX  on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint about the inaccuracies on my credit report. On XX/XX/XXXX, the complaint was closed saying that they didn't have enough information. In between these dates, I received a letter in mail saying that they investigated the issue which does not align with their reasoning for closing the complaint. If they are able to send a letter in the mail then they have the information that they need to fix the issue. Transunion said they completed an investigation, but I do not feel like a thorough investigation was conducted. In Regard to the XXXX XXXX and XXXX XXXX accounts on my account, Transunion keeps changing the reported information. The close dates for the accounts keeps changing which should not be a thing and they also do not match with the other credit bureaus alleged close dates. There should be only one correct date. The high balance also does not match the other credit bureaus balances. There are a lot of others items reported on the accounts that do not match across the three bureaus. 

I have the right to accurate reporting and I am not receiving it.
Product: Checking or savings account

I am writing this letter in hope of recovering a missing mortgage payment in the amount of {$3400.00} returned to my Bank of America checking account by the XXXX XXXX Mortgage. 
XXXX XXXX Mortgage, my mortgage holder claims, my XX/XX/2021 a mortgage payment was returned to Bank of America on XX/XX/2021 as Revoked. When contacted Bank of America to retrieve the funds, they have denied ever receiving a retuned mortgage payment from XXXX XXXX. 
XXXX XXXX have closed their investigation, and the Bank of America have refused to open a new investigation to locate the missing funds. 
Currently one month behind my mortgage payments to XXXX XXXX, and as a result having a hard time paying the mortgage on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of my most recent correspondence to a credit line provider, XXXX, regarding their incorrect reporting to credit agencies for my loan for a property in XXXX. I have not received a reply since sending this communication back in XXXX and have paid that line off completely since. Evidently, my plea to right their entry on my credit report has been ignored by the lender. Details of the request below : I reached out to XXXX to clarify the fact that the missed payments on my loan # XXXX were reported on my credit report despite the loan 's having being discharged in the bankruptcy of my co-borrower. 

In the attached communication to the company, I detailed the circumstances of this loan and all of my bone fide efforts to regain control of the property and my eventual successfully executed transfer of title to my own 100 % ownership through a quit claim deed signed by the bankruptcy-discharged co-borrower.
Product: Credit reporting

I send a certified letter with return receipt. The bureau received and signed when l disputed XXXX I did n't recall having an account with them. After disputing the credit bureaus send me a letter saying the file was updated. I then send a letter requesting a copy of any documents in their file that was used to verify the accuracy of the account in dispute. I also demanded that the account be properly verified or removed. They never send me any documents. So I contacted XXXX then received a document from XXXX showing a paper that had dates of XX/XX/XXXX XXXX clearly I did n't know of this debt but they still are reporting it and its well passed the statue of limitations. Also re aging debt is illegal.
Product: Debt collection

I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from XXXX after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested XXXX to provide details on how the alleged amount of {$1000.00} was calculated, XXXX has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the XXXX is not authorized to collect interest unless it is authorized, I request XXXX to provide a contract from original creditor stating that XXXX is authorized to collect interest on this account. As per evidence presented above XXXX has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.
Product: Debt collection

I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Dear CFPB Representative, I am formally disputing an issue with TRANSUNION, such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 


XXXX XXXX XXXX XXXX XXXX XXXX reported false information on TRANSUNION I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. TRANSUNION has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld. 

I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 

Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 

Sincerely,
Product: Debt collection

I requested proof of purchased from this debt from XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Bank of American provided false information to XXXX that my name is XXXX XXXX XXXX. On the basis of this I was denied credit. They need to pay damages and fix my credit report.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. I XXXX  in XXXX. During my time there I dealt with probably XXXX different loan officers, it would change if quarter. I qualified for numerous grants but they kept making me take on federal loans to help pay. They told me it would be XXXX for XXXX, I qualified for over XXXX in grants but when I XXXX  had over XXXX in student loans. My last year they told me I cant qualify for anymore federal loans so they made me pay out of pocket {$8000.00} or they wouldnt let me finish school and XXXX. My private loan says it was discharged in XXXX of XXXX but I dont knowing they would make me get a private loan when I qualified for federal loans when I started school. It doesnt make any sense. I have paid over XXXX on that private loan and have been charged {$11000.00} in interest and still have over XXXX to pay. My federal loans have just been forgiven under Biden because XXXX XXXX have been charge with illegal actions but I still have the private loan with Navient that I have to pay on. I think this private loan should be forgiven and I should be paid back the money since I was forced into getting this loan from XXXX  and the rug have already been charged with illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian again today to get a student loan balance taken off of my Experian Credit report. I have provided them, twice, letters showing paid in full balances for my XXXX student loans. The Experian representative was very rude, would not correct my account, let me directly send in the letters again, speak to a supervisor, and finally she hung up on me. This is unacceptable customer service
Product: Credit reporting

I have a chapter XXXX bankruptcy that I filed in XXXX of XXXX. I finished filing in the start of XXXX but decided I was going to pay the creditors myself instead of going through with the chapter XXXX. On several occasion I have called equifax they stated that they were deleing my chapter XXXX and it would reflect on my credit report within 30 days but when the 30 days came up it was still not deleted. I even discussed this with a supervisor who stated that it should only take 24/48 hours and it still was not deleted. I was told that the chapter XXXX was supposed to be deleted 7-10 years from when I filed and it has been over 10 years. I would like the chapter XXXX deleted from my credit report.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX, My first middle name is spelled XXXX, not XXXX like it is being reported on my credit report, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently put a freeze on my reports last month XX/XX/2020 soon after a non authorized account appeared on my report that is not mine and I would like it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a Supervisor by the name of XXXX at TransUnion on XX/XX/XXXX at XXXX XXXX. I was informed by him that I could not dispute inquires by phone or online and was not able to dispute any inquires over 30 days old. <P/>I am a victim of fraud and have sent TransUnion my police report backing up my claim twice within 2 months and last year XXXX when I discovered fraudulent activity that continues. I requested a link where I could verify TransUnion inquiry dispute policy but was told I could not have that information by XXXX  XXXX at TransUnion. <P/>I have had a fraud alert placed on my file since XX/XX/XXXX and I am still not being contacted prior to information being ran.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX/XXXX  : Account XXXX Account Name : XXXX XXXX XXXX/XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my 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 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 reporting, credit repair services, or other personal consumer reports

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXXUnfair practices Under XXXX XXXX XXXX XXXX civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Experian Credit Bureau. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, XXXX, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have banked with Navy Federal Credit Union for almost two decades now. I recently applied for a refinance on my house ( to get cash out to pay off my loans and be debt free ) since I saw the market value has increased. I have looked from several different sources, the most recent was from a company called XXXX XXXX and they valued it at roughly {$250000.00}, I brought it for {$150000.00}. I 'm not asking for the full value of it but enough to pay off bills and maybe do something for my family, being a single dad is not easy or cheap. I 'm an employee with the XXXX and have been for 10 yrs now, I 'm essential and protected by XXXX XXXX XXXX ( lay offs ). Two of the reasons I was denied for the loan do n't make sense to me, I was told that I have bad credit with my Credit Union when I only have XXXX other accounts besides my checking and savings with them. XXXX is a car loan that I stay current with and the other is a credit card that I'am beyond my limit and making payments but the loan would rectify both of those! My debt to income ratio would change drastically if approved for the loan. I wrote XXXX XXXX with NFCU to see if I could file a complaint with them and have not heard a single word from them since. I read a story not that long ago about how XXXX XXXX XXXX has been discriminating against potential customers for mortgage loans. I originally brought my house for two reasons : one is to be able to pass it on to my children and the other was for an investment, and I ca n't even take advantage of it.
Product: Checking or savings account

XXXX fraud protection. Debit card was skimmed and used out of state, shipping to yet another state.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from XXXX XXXX has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX