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

Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting TransUnion and XXXX to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for TransUnion and XXXX to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXXXXXX Account number XXXX Account XXXX -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Product: Debt collection

I spoke to someone over the phone about 2 years ago and this is for a debt from 2013, which is more than 7 years and was inflated from XXXX $ which was my credit limit on the XXXX  XXXX  to over 600 . I have been threatened to be sued, called numerous times, letters in the mail. This is ridiculous.
Product: Student loan

the company navient who has serviced my loan convinced me to take forbearance and deferment and told me the government was paying the interest but they were adding it to the principal without my understanding.
Product: Credit reporting, credit repair services, 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.

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 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I started a dispute with Equifax on some fraudulent accounts, which were XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Before the 30 days were up I received notice that were sent to my email the items were removed. On XX/XX/2018 I notice the 2 XXXX XXXXs were back on my file, therefore I contacted Equifax again not only Equifax but the Creditors also and provided documents of the police report once again its back in dispute with Equifax. On XX/XX/2018 I sent the same documents to the reporting creditor, On XX/XX/2018 A notice was sent to me advising me that the account is closed and to be deleted form my credit file. On XX/XX/2018 I contacted Equifax inquiring why the items are still being reported as a charge off when it should be deleted per Mr. XXXX XXXX I need to do another dispute on the charges the charges are correct, I tried explaining to him the letter that was mailed out to me and also it states that the company electronically sent a copy of the document he refused and said again I need to file another dispute. The other 2 credit agents removed the items, I don't understand this if the Creditors are letting the credit reporting agencies aware of this misunderstanding why is Equifax refusing to delete the trade lines. I'm also disputing inquiry on my Equifax report, I have an fraud alert on my credit file I don't understand how Equifax give authorization to creditors without identifying if its me or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}
Product: Vehicle loan or lease

We went to XXXX of XXXX texas about a month and a half ago. It took forever to get approved for loan for vehicle. Ever since we got the vehicle, there has been nothing but problem after problem. We tried getting XXXX to trade us out of the said vehicle into another vehicle. Global lending services has been helpful trying to get us a substitution of collateral from XXXX of XXXX. XXXX of XXXX has not been helpful in any case at all. They sold us a car with lots of problems and refuses to help resolve the issue, basically saying " sorry about your luck reapply for credit. '' And we have been denied because we're stuck in this loan with a faulty car, and XXXX of XXXX has not helped whatsoever.
Product: Debt collection

I told then on XX/XX/19 at XXXX XXXX when they called from a restricted number to not call me at work. TodayXX/XX/19 I arrived to work from a doctors appointment and my coworker tells me someone called his phone asking for my extension so he forwarded them to my phone to where they left a voicemail at XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX I was involved in a car accident that put me behind in my bills due to loss of income. I called the my Mortgage company to let them know what was happening and was met with immediate hesitation and difficulty trying to get the facts and the process initiated just to star the process of modification and/or forbearance. It is now XX/XX/XXXX and I have submitted Loss Mitigation applications no less than seven times. In XX/XX/XXXX I was granted a mitigation hearing where the presiding judge found in my favor based on the proof of documentation and compliance with Dovenmuehle Mortgage's process. I have a an upcoming hearing on XX/XX/XXXX with the same judge as of XX/XX/XXXX I  received and email that stated that the information yet again is not in the proper format or cannot be accepted. I have live at my residence since XX/XX/XXXX and have never missed a payment. I feel that this situation will cause me to lose my home.
Product: Checking or savings account

I did a mobile deposit to my bank ( Bank of America ) on XX/XX/XXXX of {$520.00} And then made another deposit on XX/XX/XXXX for the same amount of {$520.00} on XX/XX/XXXX the bank deducted {$520.00} of my account because they stated that it was a duplicated check i called the bank. And they inform me that the system made an error and read the check wrong they will put a claim and put the money back the next day XX/XX/XXXX and the money was never put bank i have called the bank multiple times and they tell me a diferent story today i called XX/XX/XXXX and they told me that there nothing they can do but the bank has my money
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a loan company that I have never even heard about. I noticed a hard inquiry followed by an open line of credit with them on or about XX/XX/XXXX. I immediately put a freeze on my account and filed disputes with all XXXX bureaus. I tried calling XXXX and they told me to send in a picture of my ID on XX/XX/XXXX. I thought this was suspicious as I never have given me any information, however they are claiming they have a picture of my drivers license, banking info, and a selfie to verify the identity. I do not have any knowledge of this line of credit nor where the funds were distributed to. I called again today, XX/XX/XXXX and was met with the same contempt and was instructed to file a police report.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from SECURITY CREDIT SERVIC/ XXXX XXXX last reported XX/XX/2021 in the amount of {$1300.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both SECURITY CREDIT SERVIC/ XXXX XXXX XXXX and have not received any reply back
Product: Vehicle loan or lease

I was approved for a car loan for a XXXX XXXX XXXX in XX/XX/2015 from a financial service named WestLake Financial Services, the address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have already paid over {$29000.00} and still owe over {$17000.00}. I have ask the company to renegotiate the contract but they refused. I know that they are illegally over charging me on my car loan because if I pay off this car loan I would have paid {$46000.00} for a used XXXX XXXX XXXX. Can You Help?
Product: Mortgage

I started a mortgage refinance application on XX/XX/2020 with Amerisave Mortgage Corporation and gave them {$500.00}. 
I satisfactorily completed the application process during the next few weeks. My loan broker informed me that Amerisave required proof of income from my retirement accounts. He gave me directions as to the amount and how to have my financial advisor set up the distributions. This was verified by a letter from my financial advisor. 
I complied with all of his requirements and obtained my bank account statements showing the amounts deposited. I received an email on XX/XX/2020 declining my application. I spoke with my loan broker on the phone and he told me the reason I was declined was because I " had no history '' of deposits of this nature. Since I am very recently retired, there was no reason to have a history of deposits of this nature. 
There was never any attempt on the part of my loan broker to resolve any issues regarding my mortgage application. They continue to ignore my emails and my multiple requests to obtain a written document as to why my application was rejected. They also have refused to refund my {$500.00} application fee. 
I feel age ( XXXX ) discrimination has something to do with this mortgage rejection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. all items listed ive noticed that they are illegal an reports inaccurate data on all 3 credit profiles. this is a issue that needs to be resolved asap. please review an remove the listed items That needs to correct my credit file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX XXXX  scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
Product: Credit reporting or other personal consumer reports

I'm concerned about these unfamiliar inquiries on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my XXXX  XXXX again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Product: Debt collection

We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS USED TO OBTAIN GOODS AND SERVICES THAT I DID NOT AUTHORIZE NOR DO I HAVE KNOWLEDGE OF. ACCOUNTS LISTED AS 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 THESE ACCOUNTS DD NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

On my Transunion credit report and credit file I got a mix credit report and file that lead my credit report and me to being a victim to indentity thief r address that dont belong to me on my credit report and I want them remove and a clean up on my credit report I want yall to separate whats mines and the persons that information is mix up in my credit report and file and I got a problem work XXXX to they took my address off my credit report and I need them to update it back on to my XXXX credit report and file and on my Transunion report I need my number update to the current phone number XXXX and I need Transunion to send me my updated XXXX  of XX/XX/XXXX credit report and credit score Thxs and I need XXXX to send me my updated credit report and score from XX/XX/2023.
Product: Vehicle loan or lease

None of the problems listed adequately described my problem. 

Lender : America First Credit Union, based in XXXX. 

Our lender for our vehicle didn't receive our title from the seller for over a year from the date we purchased the truck in Utah, and when they didn't receive it in the requisite time frame, they never followed up to get our title from the seller. Therefore, they didn't have it when we needed it. We lived in XXXX at the time we bought the truck. We have since moved to XXXX and our XXXX tag has expired. We have called every single month since XXXX trying to get them to send our title to the state of XXXX, and they have been unable to do so. When we initially called, it was because they never received our title, so they ordered a duplicate, confirmed they received the duplicate with us, but have continued to fail to send it to the XXXX XXXX XXXX for us. We have called every month ( XXXX through XXXX ) to request that they send the title, and they continue to act confused about where the title is, whether they have sent it, and they never send us follow up communications about our requests, even when they say they will. They are so disorganized and incompetent and have not been able to get our title to the XXXX DMV for four months, despite us regularly calling to complain and follow up. We can not legally drive our truck without an active registration and we are unable to get an active registration without a title being sent to XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/XXXX I started the process of Disputing debt through XXXX XXXX who was reporting 10 accounts to my credit reports, all the same, account number but different amounts totaling {$41000.00}. I first sent a letter XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX and again on XX/XX/XXXX to all 3 credit reporting agencies. I explained these accounts did not belong to me and were unverifiable. All accounts did not meet the Metro 2 compliance  requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my 8 different letters addressing each line item on my credit bureaus and copies of the signature required service proof of delivery receipts via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the dispute number : XXXX on XX/XX/2018. I called last month to get the update and surprisingly they did not do anything about it. According to Fair Credit Reporting Act 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] and 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] The report agency Transunion has to investigate in 30 days. Today XX/XX/2018 has been 83 days and there is not investigation and continue affecting my credit score which went down by 110 points