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

Dear TransUnion XXXX, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized XXXX proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires showing in my credit report that i didnt authorize i contacted credit Equifax and was told to contact person who did it and was no help contacted them back told them it was fraud and no one wanted to help instead i was told that if they dispute it nothing is gon na happen its not gon na be deleted they are going to send a letter telling me to contact them who did inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed XXXXXXXX XXXX XXXXXXXX ' entry that is on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXXXXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report. Furthermore, XXXX XXXX  XXXX never notified me about this debt.
Product: Mortgage

I called Mr. Cooper on XX/XX/XXXX to inquire about a recent increase in my mortgage payment. I was informed that it was driven by a recent increase in property taxes. The representative then informed me that he could do a complimentary " health check '' of my mortgage, and asked for my consent which I obliged. After a brief hold, the representative informed me that he checked, but based on current market rates refinancing would not be beneficial for me. It was at that point I realized he ran my credit for refinancing options. At no point prior to this did he mention refinancing at all. Had he done so, I would have declined. I called back on XX/XX/XXXX and requested to speak to a manager to voice my concerns over how the matter on XX/XX/XXXX was conducted. In speaking with the representative, she continued to stall transferring me to a manager. We discussed my previous call and indicated that despite the previous representative 's advice, she believed refinancing would be beneficial. She indicated that refinancing would be my only option to remove PMI from my payment. I questioned whether the increase in interest that I would incur over the course of the loan as a result of refinancing would make sense and she assured me it would and that I would be responsible for paying PMI for the duration of the loan otherwise. Based on the Homeowners Protections Act of 1998, I know this to not be true. The representative also mentioned the amount of equity I now have in my home, and after doing some research of my own, it appears I in fact would be a candidate for PMI removal based on the current value of my home and loan. That said, the representative put me on hold for over 20 minutes while she researched further. I ended up hanging up at that point because I had zero confidence that she would finish assisting me. That call lasted for XXXX minutes without any resolve to my original intent for calling. It appears to me that the representatives at Mr. Cooper are influencing consumers into refinancing based on false and inaccurate information. They indicate to be " licensed mortgage professionals '' but lack full transparency when speaking to consumers as well as comprehensive knowledge of mortgage guidelines. If my credit is being ran for a loan application that should have been clearly communicated upfront, versus using vague terminology.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 41 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate reporting items on my credit report. I have attempted to get this issue rectified. So now I need your assistance in this matter : XXXX  has incorrect personal information : Incorrect Name : XXXX  Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  Experian has incorrect personal information : Incorrect Name : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  XXXX  has incorrect personal information : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX  There is fraudulent accounts reporting on my credit file : XXXX - Opened XX/XX/XXXX Balance : XXXX ( XXXX, XXXX, Experian ) XXXX/ XXXX  XXXX  - Opened XX/XX/XXXX Balance : {$140.00} ( XXXX  and XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - Opened XX/XX/XXXX Bal : {$100.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$620.00} There many unauthorized inquiries that reporting that I was not aware of : XXXX  XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( 2 TIMES ) XXXX  ( 6 TIMES ) XXXX  XXXX ( 2 TIMES ) XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX  XXXX XXXX ( 2 TIMES )
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Accounts Request for Investigation and Removal Dear Experian, I am writing to formally dispute the reporting of late payments on the following accounts as listed on my credit report. These accounts contain inaccurate or unverifiable information and are impacting my credit score unfairly. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate data and correct any inaccuracies. Furthermore, under 15 U.S. Code 1666 ( b ), creditors must apply payments accurately and resolve disputes regarding billing errors promptly. Finally, 12 CFR 1026.13 provides protections for billing error resolution under Regulation Z of the Truth in Lending Act.

I am requesting a thorough investigation into the accuracy of these late payments. If the information can not be verified, I request that these records be corrected or deleted from my credit report. 

Supporting Documents I have included the following documents to assist with your investigation : A copy of my identification Proof of current address Under the Fair Credit Reporting Act ( FCRA ), please complete this investigation and respond in writing within 30 days of receiving this letter. 

Thank you for your time and attention to this matter. 

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

XXXX Collections and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Product: Debt collection

This is collections on my credit report as Paramount Recovery dated XX/XX/year>. I dont know what this is.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Mortgage

Select Portfolio Serving has denied my modification request. I believe I deserve a modification because of my monthly mortgage payment is unaffordable. My monthly payment jumped from {$1600.00} to {$3300.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}
Product: Mortgage

Amerisave Mortgage Corporation did not pay my property taxes and there is now a lien on my house and substantial penalties are owed. On XX/XX/XXXX, I discovered that my XXXX XXXX property taxes were not paid and I immediately contacted Amerisave Mortgage Corporation ( who is using dmicorp.com as servicer but still using the Amerisave name ) and emailed them the requested information. I received no response. I made several phone calls and received an email from XXXX XXXX on XX/XX/XXXX with the promise of an update or resolution by XX/XX/XXXX. I asked for an update on XX/XX/XXXX and received an email on XX/XX/XXXX saying that they would contact me as soon as possible. I heard nothing and called the customer service number several times. On XX/XX/XXXX, I received another email from XXXX XXXX that said the same thing as the XX/XX/XXXX email. I have called multiple times and emailed XXXX XXXX several times with no response. I was told that I would be contacted within XXXX hours on XX/XX/XXXX but that time frame has now passed. The customer service line can not provide any help or give me the contact information of anyone that can ... .and there are no updates from XXXX XXXX XXXX There is now a lien on my house. The XXXX XXXX tax bill and XXXX XXXX tax bill come XXXX bill. The XXXX XXXX portion was paid on time but the XXXX XXXX portion is delinquent and penalties continue to accrue. It has been almost 2 months and there is no end in sight. I have attached the intitial email along with subsequent emails and the tax bill that I pulled today ( XX/XX/XXXX ) showing the lien ( appears as XXXX XXXX ).
Product: Debt collection

I previously did a complaint with XXXX XXXX XXXX. I disputed my XXXX XXXX  credit card to them due to it being identity theft. I submitted supporting documents about identity theft supporting this account is not mine. But yet they would not delete the account. The company sent me documents to fill out that this account is fraudulent and I will be uploading a notarized document. I will also be uploading their previous response that they need this document to delete this account. I want documentation that they will be deleting this account. I am asking the credit beaurus to delete this account because this is a fraudulent account. This account was deleted from XXXX so it should be deleted form Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$560.00}
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act 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 an account under an open end consumer credit plan as late for my purpose.
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors, nor did I start the investigation. Kindly immediately have them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not showing the terms of my Mortgage loan with XXXX  XXXX  XXXX which is a 30 year loan.Also the current payment status states ( no info ) for XXXX, XXXX and XXXX of 2019 : However, Transunion states that the last payment to XXXX  was XX/XX/2019 2019
Product: Debt collection

Company called me from a fake number see attached. When I picked up the company did not identify them selves when I asked who it was, just stated the name of the person calling. I asked again and they hung up. Company is described as Credit Management LP when I called the number back. Phone number I was contacted from does not appear in XXXX. Calls from other random numbers.
Product: Checking or savings account

I used a Chase atm to deposit {$2800.00} into account ending XXXX on XX/XX/year>. I opened a Chase Claim # XXXX. I have attached the receipt the Chase atm spit out after the malfunction. 

The deposit was made on XX/XX/year> at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX terminal id ny XXXX, The sequence number is XXXX. 

Chase didn't issue the temporary credit until the night of XXXX after three followup phone calls. No one at the claims department can give me any information except they have until XX/XX/year> to settle this claim. 

I am very upset about the atm malfunction but even more upset at the misinformation given by the Chase claims department at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed as I noticedmany inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought theadvice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to disputeany questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated according to Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of the account disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS is reporting an address on my profile that is not my address. When I, the consumer, contacted EXPERIAN XXXXNFORMATION SOLUTIONS to remove the falsely reporting address, multiple representatives working for EXPERIAN INFORMATION SOLUTIONS refused to remove the address. The reason they gave me is that the falsely reporting address is linked to an account that is reporting fraudulently on my profile. This is willful negligence on EXPERIAN 's part is violating me as the consumer according to FEDERAL LAW. EXPERIAN INFORMATION SOLUTIONS has a duty to report what the consumer reports to EXPERIAN INFORMATION SOLUTIONS. EXPERIAN INFORMATION SOLUTIONS ' reporting of this information not furnished by me is a direct violation of my federal rights. As well, EXPERIAN INFORMATION SOLUTIONS reporting of the said alleged account that is attached is identified as XXXX XXXX XXXX XXXX, a company that I've properly addressed and they've been removed from another credit reporting agency. EXPERIAN INFORMATION SOLUTIONS has already exposed my information in a data breach and now this. I am seeking monetary damages for these two items as the FAIR CREDIT REPORTING ACT PROVIDES. I have given EXPERIAN INFORMATION SOLUTIONS INC more than two times to correct this issue. As well, just earlier this month EXPERIAN INFORMATION SOLUTIONS INC already has a settlement to resolve claims surrounding addresses. Please publish this complaint. I also intend on pursuing EXPERIAN INFORMATION SOLUTIONS via litigation should I not receive remedy in the form of removal of the address they're falsely reporting and the account they're falsely reporting.
Product: Credit card

I had reopened a Victoria Secret card after It was closed prior when it was fully paid off. I had issues with them lowering my credit limit each time I paid a large amount or paid off the balance and they made excuses for why they did it, yet it made my credit score even worse due to it showing I was over the limit, when the credit limit was lowered to less than the current balance. I filed a complaint previously with ID XXXX stating this and they said that IT NEVER HAPPENED and that's not their practice. 

Here I am sending another complaint about the same thing. My new Victoria 's Secret card credit limit was AGAIN lowered AFTER paying off the balance. It was lowered {$200.00}. The balance was always mainly 10 % - less than 30 % of the limit, but they lowered it anyways. The letter I received said it was because of my revolving accounts with high limits, no real estate loan info, too many delinquent or derogatory accounts, and too many bank cards with high balance.. Yet, I had those same credit factors BEFORE I applied for the new one. This company really doesn't support their customers by lowering the credit limits making it harder to keep or increase the score due to higher utilization when they lower the limit.
Product: Credit card or prepaid card

On XX/XX/XXXX Citi issued a letter on both my accounts informing me they had lowered the credit limit on both my cards stating the was due to information from credit reporting agencies. The limits were lowered to just above the balances owed. Naturally, this reflected negatively to the credit reporting agencies. I had never missed a payment and always paid more than the minimum payment. I had done nothing wrong accept take advantage of their COVID relief offer. I paid off one card and paid nearly {$3000.00} on my Citi Costco card. XX/XX/XXXX Citi received {$4000.00} on my Citi Costco card. Citi rewarded me by lowering my credit limit again, thus reporting it negatively again. Citi called me twice on XX/XX/XXXX requesting I call them back. I was given two call back numbers, never of which allowed me a connection to Citi. I called the customer service line, was transferred several times, finally reached the right party, named XXXX. She literally had nothing to say. Complete silence. I was well aware there was nothing she could do to resolve the situation as Citi closed my husband 's account a few months earlier for simply not using his card. I assume they intend to close my account, too. 

Citi is ruining my credit rating. I have an excellent payment record even though the pandemic had caused a very minor issue. Citi is not reporting accurate information, therefore, causing my score to drop. This affects the interest rates I am eligible for. That equates to thousands of dollars. I would like to open a class action suit as I know I am not the only one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection on the XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) It is reporting a balance of {$6500.00}. This account has been settled. Please see the attached summary, specifically payment made to XXXX XXXX & XXXX XXXX & XXXX, regarding this collection. This line item needs to be removed from my credit report. This incorrect reporting is harming my credit score.
Product: Credit card or prepaid card

To Whom It May Concern, I have over 25 years relationship with Chase. Two PAID Mortgages, credit cards, checking and Savings account. 

Im a full time XXXX XXXX and also have a XXXX XXXX with my son. Due to Covid- 19 XXXX XXXX has been impacted financially and Ive been using my personal money to keep the XXXX  above water. Ive reached out to Chase and requested assistance with 2 of my credit cards. Chase did assist me with the temporary suspension of payments. 

Both of my cards were maxed out and Ive recently paid both down. Chase reduced my credit limit from xxx to. Which now shows Im maxed out ( Highly utilization ) this dropped my credit score tremendously. I called and spoke to Card Services on XX/XX/20 and explain the matter. I was advised they will have to pull my credit to see if I will qualify for credit increase. I applied for a Mortgage with CHASE and was denied mainly due to my score not meeting XXXX FICO  score requirement. I also applied with another bank for a Mortgage and my credit score was much higher than what it is now. This is all caused by the high utilization on my two credit cards, due to the limits being reduced. 
Here is my issue, I had one credit card for years. Ive recently within the year used the credit cards and maxed them out. Im being penalized for the pandemic and I would like my credit limits to go back to where it was. Chase certainly can block me from using the cards. This way, my credit score will increase ( per credit stimulator calculator ) and I can reapply for the Mortgage. Im willing to pay down the balance more. However, Chase may reduce my limit again. I feel my hands are tied and the Bank that I have my entire financial relationship with has treated me unfairly. Im looking to get this matter rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate items reporting on my transition credit report