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

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : XXXX TransUnion XXXX XXXX XXXX XXXX Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

XXXX Disputes : On XX/XX/2023, I mailed my initial dispute to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent a follow-up dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
TransUnion Disputes : On XX/XX/2023, I sent my first dispute to TransUnion, and it was delivered on XX/XX/2023. 
On XX/XX/2023, I submitted a second dispute to TransUnion, which was delivered on XX/XX/2023. 
XXXX Disputes : On XX/XX/2023, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/2023. 
On XX/XX/2023, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/2023. 
XXXX XXXX XXXX Dispute : On XX/XX/2023, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/2023. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am XXXX ( XXXX ) I have low income. I dont check my credit theres no need to. Anyway we are moving out of our house and i was doing a rental application they denied me because of my score. So I was wondering why checked my credit and there are XXXX accts that are not mine nor have i ever heard of the company XXXX XXXX XXXX it shows as a joint account. def not mine. There is also a XXXX bill for XXXX that is not mine. I do have XXXX. But never XXXX. I am XXXX and dont use cell phones. I have tried calling XXXX. No person .and XXXX has been transferred to XXXX when calling that number it states that they cant give info over the phone. So im at a loss and need help.Thanks for your time
Product: Credit reporting or other personal consumer reports

I have XXXX inquires i did not make and i want them removed, I am also a victim of XXXX major breeches with my personal information even medical records being exposed the companies is XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over XXXX months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Mortgage

My mortgage company is Nationstar Mortgage. I pay $ XXXX/month in PMI. The PMI company is XXXX XXXX. I closed on my loan on XXXX XXXX, XXXX. My PMI certificate cites that my PMI rate is 1.83 % the first 10 years. Starting the beginning of the 11th year, the rate drops to .002 % which means that the PMI will drop to {$44.00}. That means my payment will drop {$360.00} starting XXXX XXXX, XXXX. I have sent certified letters to the company about the decrease in and initially they would only commit to the fact that the PMI would decrease. They refused to give me a quote on the amount of the new PMI rate. I continued to call, email and send certified letters to the company. They committed on several occasions to mail letters with the new amount and I never received the letters. I spent many hours on the phone to the company and made no less than XXXX calls since XXXX. I finally was able to talk to a XXXX XXXX XXXX from Nationstar on XXXX XXXX, XXXX. Within XXXX minutes, he emailed me a letter stating that the new PMI rate would drop from {$400.00} to {$44.00} starting XXXX XXXX, XXXX. Since the beginning of XXXX, XXXX, I have either called or emailed the company almost every day about the reduction in payment. My XXXX house payment is currently due and they have not reduced the payment. I refuse to pay the additional {$360.00}. 
The XXXX Homeowners Act specifically addresses PMI and disclosure. The company is supposed to disclose annually all the details of PMI. I have fought for several years with Naitonstar for information. If my property was appraised today, I would be able to drop out of PMI. But I have been unable to get the company to make any type of commitment or put in writing what would get me out of the PMI. They have violated the law by not disclosing this information. Unfortunately, I think I will have to result to legal action to make them do what they are legally supposed to disclose. They without a doubt have many individuals that are not qualified and the I am appalled at the their customer service. On one day, I made a total of XXXX phone calls and was on hold for hours without getting any help. My mortgage is the most important bill and to have the company so obviously disregard my emails and complaints is beyond ridiculous.
Product: Debt collection

I was in an auto accident over 5 years ago and the remainder of my car note was put into collections. I called the company Flagship Credit Acceptance in 2021 in regards to my alleged debt and I was told they have no record of me ever having an account with them. BUT, whenever I check my credit report it keeps popping up as a charge-off and the debt keeps refreshing over and over again. This has severely affected my emotional and mental health and my quality of life. I am a XXXX veteran with 4 kids and I have been denied home loans, auto loans, and risk of unemployment because this debt/ charge-off was on my report. It grossly misrepresented my character ( 15 U.S. Code 1692e ) as an XXXX XXXX veteran of the United States XXXX. Now that I am a civilian, life has been very difficult trying to find safe and secure housing for myself and my children. My right to privacy and my personal information have been misused and abused ( 15 U.S.C. 6801 et seq ) How is it that when I disputed this debt it keeps coming back as " Verified and Accurate '' by XXXX, XXXX, and XXXX? Like who is verifying ME on My behalf?? And also how can they say it's accurate when they don't even have a record on my account anymore? Furthermore, the balances on the charge-offs don't even match! One says for XXXX, and the other says for XXXX! What is really going on?? I do have legal representation and will pursue this matter judicially if necessary.
Product: Credit reporting or other personal consumer reports

I received a notification on my credit report for an unauthorized car loan with XXXX XXXX XXXX for {$14000.00}. Opened in XX/XX/XXXX. The account is late and my credit score has dropped XXXX points. I filed an identity theft with the Federal Trade Commission. I have made several attempts to get a response from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX, to provide me information on the loan ato close it and report it as fraud. I have been calling since XX/XX/XXXX. Customer service agents have told me in server al occasions that the account is not in their system and they will put me on hold for long minutes then drop the call. This situation has been very stressful due to the lack of response from XXXX XXXX in assisting and taking responsibility to provide the documentation and support needed to proceed with my report and investigation of the identity theft. It has also cause a hardship since my credit score has dropped and I am potentially at loosing my borrowing power for future financial plans. I would like to request XXXX XXXX to respond to my claim as soon as possible.
Product: Mortgage

XXXX XXXX I signed up for the XXXX Forbearance plan. My wife had to stay at home to take care of our kids since there were limited spaces in daycares. As an XXXX XXXX member of the XXXX XXXX XXXX, I wasn't receiving enough housing allowance to pay the mortgage payments myself. So that is why I applied for the forbearance hoping that Flagstar will uphold their end and just put what I owed to the end of my VA Loan when I can start making payments again. In XX/XX/XXXX, the XXXX raised the housing allowance for XXXX XXXX members in our area. So I was able to resume making mortgage payments again. But since I was already in the 3 month forbearance plan at the time I couldn't submit my loss mitigation application until after. When I submitted the loss mitigation application in XX/XX/XXXX, I was denied all loss mitigation options. It did not even mention loan modification like it was advertised. I tried to continue making mortgage payments by phone because they took away the option to pay online. But I couldn't do that either because I needed to either submit a loss mitigation application ( which I did ) or I need to pay the lump sum ( which I can't ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

Hello I have been a victim of Identity theft and these are not my account. 

they have reported a debt thats not owe by me.
Product: Vehicle loan or lease

In accordance wit [ the Fair Credit Roporting act XXXX Account # 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 I never wanted my account info/credit info reported to any agency and I never gave anyone or any corporation any written instructions to do so. 
I have reason to believe that these DEALERSHIPs willingly and knowingly took advantage of me and my consumer credit. 
l am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as i have found several violations and fraud. Notice that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; they also accepted a CASH down payments violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction = Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance or other charge. 
Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Product: Debt collection

CFSI damaged my credit by reporting a debt that should be/was taken care of by my employer insurance ... I have been with my company since XX/XX/2012currently and still working there..even if my employer changed insurance I still would be covered as we don't " lapse '' our insurance ... the bill I received from XXXX XXXX XXXX   XXXX clearly shows I owe {$0.00} ... this seems like unlawful practice on Commonwealth financial systems behalf and they should be ashamed of themselves
Product: Vehicle loan or lease

Continuation of existing complaint. On XX/XX/2021, Penfed made, unauthorized, improper and fraudulent change to my auto insurance and placed themselves on my auto policy as financer of the auto with improper loss payable information.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX XXXX XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX, XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/year>. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I awoke to text notifications that someone had used my Capital One Credit Card to attempt to charge two pairs of XXXX XXXX XXXX at XXXX XXXX tickets for a game two days later on two different websites for about {$1000.00} each pair. I've never been to XXXX XXXX or a XXXX game nor would I go, I live near XXXX. Capital One didn't authorize the second charge but did fulfill the first in spite of flagging both as suspicious. I called them immediately, was told not to worry, they would reverse the charge and send me a new card. I was assured that I was covered by their no liability fraud guarantee. A month later they sent me a letter insisting I had purchased the tickets after all because the ticket reseller ( XXXX XXXX ) claimed the hacker knew my phone number, email and address. Then Capital One reversed the credit to my account. I have to assume they chose to throw me under the bus because I pay off the card every month and they chose to drop me rather than fulfill their obligation because I wasn't making them enough money. I suspect they are doing this to others as well. I am wondering if the scammer got my card information through their XXXX data breach although obviously it is information any consumer has to input every time you buy something online. I have a freeze on my credit which is preventing unauthorized new accounts. Their fraud department refuses to be reasonable. Letters to management came back with one response insisting there was no evidence of fraud. I most certainly did not buy those tickets. Did I mention I live near XXXX? 
I would like them to fulfill their promise to protect my account from unauthorized charges, refund the {$950.00}, and I would like the issue to be investigated to see how many other consumers they have decided to abandon in the name of profit margins. This is the short version, I have letters and documents outlining the series of events and phone calls.
Product: Checking or savings account

Earlier this year, I opened a complaint, XXXX. As a result of me filing the complaint, on XX/XX/23 I received a letter from XXXX at Capital One. Her contact information is XXXX, ext XXXX. In this letter, she requested that I send a copy of the late fe in question. On XX/XX/23, I sent an envelope with the proof of late charges to the Minnesota address provided. As of today I have not received a refund for the requested charges. I've trying to contact XXXX five times and left a voicemail each time requesting a call back. I have not received a call back from her or anyone at Capital One. The Capital One CID is XXXX.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that SAGESTREAM is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Vehicle loan or lease

Customer service advised extension would be provided when I was eligible only to deny it I fell behind on payments but have called and talked to multiple reps who told me when I'd qualify for the extension. I have missed payments and returned payments that I have replaced. I was told I'd qualify around XXXX in XXXX. Called XXXX and was told to wait till the end of XXXX only to have it denied now because of payment history. I'm obviously struggling and that's why I asked for the extension. The representative should have told me I wouldn't get one from the start instead of me making arrangements to get to the point of getting the extension to be turned back around.
Product: Debt collection

XXXX SUNRISE CREDIT SERVICE and XXXX SUNRISE CREDIT SERVICE are both of the same account that is reporting to the credit bureaus twice for the same account and changing the balance amount owed. If you were to take a look at the account numbers you can see where they have taken numbers off or added to make like it is a different account. 

I have disputed this account back and forth numerous times for the past months. Each time i have asked them to provide proof that the account is mine and the Sunrise has  failed numerous times to produce the proper evidence. 

This needs to be remove from all of my credit reports because Sunrise Credit has violated the Consumer Fair Credit Act on multiple accounts. 

Both accounts needs to be deleted off of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the years of 2015 all my students loans was placed on a forbearance program. XXXX is reporting it was not. On my credit and the attached documents XXXX continue to report that I was 90 days late on XX/XX/2015 but made a payment on XX/XX/2015. How can you be 90 one month but not late or make a payment the month before. This is clearly a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX