23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I successfully disputed inaccurate derogatory information reported on my credit report by Transunion. The account was reported by Transunion as deleted deleted on XXXX/XXXX/XXXX. The report was electronic and I have retained a screenshot of the report of deletion. 

At a later date, the disputed account was reinserted by Transunion, with an altered closed date of XXXX/XXXX/XXXX, after six years of inactivity and with no change in status. The original reported closed date was XXXX/XXXX/XXXX, six years earlier. 

I called Transunion to dispute the reinserted account on XXXX/XXXX/XXXX, the date of discovery. I had been regularly checking my credit report and the reinserted information did not appear until this past month apparently, at an unknown date. 

I spoke with XXXX representatives of Transunion who indicated ( 1 ) no letter notifying me of reinsertion was sent to me and ( 2 ) Transunion has a policy of not notifying persons of reinsertions of accounts. The Fair Credit Reporting Act requires a credit reporting to notify a person of a reinsertion of a previously deleted account within five ( 5 ) days of the rejnsertion. In this case at least five ( 5 ) days have passed, and no notice has been sent or received. 

Transunion has indicated that they will not delete the reinserted information if the creditor claims it is accurate, even if the information contained in the report is inconsistent with the previous report of the account. Transunion has additionally stated they have and will continue to violate the FCRA. I wish to have the reinserted account deleted, and to receive a letter admitting wrongdoing and confirming that the account will not be reinserted in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute to have negative items removed that are wrong. I have documents that prove that the results and response of the company just bounce around the fact they have not done a thorough investigation. The basic results were stated, " They are right and you are wrong ''. There was no specific explanation of the investigation. O n   XXXX   XXXX  2017  the d ispute was initiated an d on   XXXX   XXXX  2017  th e investigation was completed with very little to say and no documented proof was provided. The incorrect account that has been reported has caused daily stress as it has caused me and my husband to apply for multiple loans while being turned down. This made it hard to get a reliable vehicle for work and transport our children. In addition, it will hinder us from being able to buy a home. Lastly, the accounts in question have already been removed from my husbands account and the accounts are joint accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019
Product: Vehicle loan or lease

My XXXX lease ended in XX/XX/XXXX or XX/XX/XXXX. I turned the car in a few days before the end of lease as I was leaving on vacation and had chosen the next car to lease. I have leased many XXXX ; this may have been my fifth or seventh lease. I have never been charged for excess wear and tear. Again this XX/XX/XXXX, I was told that XXXX XXXX had looked over the car and was willing to accept it with no additional charges due to the careful way I keep " my cars. '' I had had scratches and small dents repaired twice during the time I leased it and also purchased new tires in the fall of XX/XX/XXXX before taking a trip. Returning the leased car has never been a problem ; I have simply returned it to XXXX or the predecessor owner of the XXXX, WI., XXXX dealership. I believe I was told that XXXX would ( probably? ) be purchasing the car I was turning in and they knew the condition of the car in response to my telling them I had received a letter or call stating I needed to have the car evaluated by the bank ... so I could ignore that call. <P/>But then I began receiving letters from USBank starting that I owed them {$1500.00}. This came after I had turned the car into XXXX XXXX. They listed small scratches ; it appears they expect me to turn in a car that is completely untouched after a three year lease. <P/>I have talked with the sales person and the sales manager at XXXX XXXX in XXXX, WI., and they have said XXXX would deal with it. But I have had difficulty reaching those people again/or getting them to return telephone calls. I have given them weeks in between calls to have some information to give me. I have no reason to believe they have done anything regarding this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following companies have violated my rights XXXX XXXX  account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX XXXX reported late, but my account was set on automatic debits 15USC 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 a 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: Debt collection

I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this account, it is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and seen I had these hard inquiries which I did not apply for any credit cards or loans 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
Product: Mortgage

We feel Carrington is knowingly and intentionally working against us, they are NOT working with us on a loan modification. 

FRIST, we applied for assistance through XXXX XXXX XXXX XXXXXXXX, we were APPROVED for assistance and a letter of guarantee was sent to Carrington on XX/XX/XXXX the funds were never applied to my account. The money disappeared!!! 

We applied for a loan modification with Carrington, we were sent documents to sign and have notorized and return. To which we complied. The we received notice that our documents did not pass there quality control department. 

We did ask why didnt they pass inspection, so we didnt make another mistake and we were advised of the error. 

We asked for a new set of documents ( we have no way to print ) it took several request Before we received a new set of documents. 

We received the New ( second set ) Documents on XX/XX/XXXX ( we have documentation from XXXX ) we signed and had them notarized on XX/XX/XXXX and returned to Carrington documentation shows Carrington received the new documents on XX/XX/XXXX I received an email from Carrington representative XXXX XXXX on XX/XX/XXXX Stating that the second set of Documents did not pass there quality control inspection And the loan modification was cancelled and our home was being sold at a foreclosure sale XX/XX/XXXX We ask XXXX XXXX at least 8 times why the SECOND set didnt pass and how could the quality control department properly inspect documents, schedule a foreclosure sale. When our. Loan Documents were in their possession less than 24 hours. It appears Carrington Was already planning forclosre We just keep getting the run around from XXXX XXXX, she either ignores our request Or she keeps repeating information from the first set of Documents. 
We truly believe that the SECOND set of Documents were correct ( they were reviewed by 2 notorizes thats why we can not get any answers.

NOT ONE PERSON especially XXXX XXXX, CAN NOT answer WHY the second set of documents failed quality control! 
ALSO Carrington is VERY discriminatory towards XXXX people! I have notified them About a dozen times that I DO NOT use a phone, I have severe hearing loss and can not differentiate between certain vowels. 
But Carrington offers no assistance for elderly XXXX people. They say call!! 
My wife is on my account, she is XXXX, shes had 15 surgeries YES 15. So a lot of Times she not well nor coherent enough to call all we asked of Carrington is to allow an extra day to respond to emails.
Product: Credit reporting or other personal consumer reports

There's an address on my report that I've never lived at.
Product: Mortgage

My Name is XXXX XXXX and I have mortgage through 21st Century Mortgage Corporation I have pulled up records back from 2004 when I took out the Note and it 's a balloon note with a 2nd mortgage that I was not even aware of. I found this from a friend who check the court records. This is a Manufactured home and I have tried many times to contact this company for help with my mortgage payments I am now on XXXX and I have no other income. I have applied for XXXX and they both could not help me. I do not have anywhere to go I will homeless and to top it all off i am only 35 days late on my payments. Their customer has been harassing me daily. I am trying to work with them but they refuse to help me get to a lower payment. Please help me get them to look at my income and get me to a payment I can afford.
Product: Credit reporting or other personal consumer reports

I have a lot of errors on my credit report due to misuse of my credit information and I want it all removed from my credit report
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
Department of Education/XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXy Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 
FXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 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 or other personal consumer reports

It has been drawn out to be fraud that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transition has on my credit report a Bankruptcy stating that they confirmed their information with the US Bankruptcy CourXXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. They can not provide the individual or individuals in which this information is proving to by correct. As to information given me such courts do not confirm such informatiom. Transition will not let me further dispute this reporting. I am asking for them to provide the person that confirm such information to be true or for them to remove this reporting from my credit report. I asked that they provide the individual, name phone number address or deletion.
Product: Debt collection

I asked the debt collector to provide me with an account statement that shows transactions and charges so I can confirm the amount they are trying to collect. They sent me one page that just shows the amount. I need to see the charges so I can confirm why they are asking to collect {$700.00}. The original bill is with XXXX and XXXX also has cut my access off to my old account so I am unable to confirm the charges and amount they say I owe. This is deceptive and violates the FDCPA act. I need this debt collector as well as all credit bureaus to remove this from my credit report. Please note that XXXX removed this from my credit report so XXXX and XXXX should do the same.
Product: Credit card

Please read attached letter and evidence to support my claim that Capital One severely overcharged interest on Capital One 's Identity theft ( XXXX ) and Capital One 's fraudulent credit card take over on both # XXXX & # XXXX Capital One credit cards this 2023 year. Capital One charged interest on fake false billing line entries, increased limit to 30 % illegal and predatory. Capital One moved payments back and forth between cards fraudulently, place fake payments back and forth between XXXX cards and charged huge amounts of fake interest and late fees all this 2023 year. I won disputes and promised interest credit and got XXXX by Capital One. 
I want a BLOCK AND DELETE for # XXXX & # XXXX credit cards OFF ALL CREDIT BUREAUS FOR THIS SCAM from Capital One. ( Predatory lender )
Product: Mortgage

Went to get a mortgage on my house was told upfront all I had to pay was a XXXX fee for credit score andXXXX fee for appraisal fee then 3weeks later thet are telling me I need to get septic lagoon inspected and pay for that they werent upfront with the fees and stuff loan depot lied to me about all the fees and didnt disclose this one to me to me thats fraud
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. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX  XXXX Account number XXXX, has violated my rights. Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number 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: Debt collection

Phoenix Financial Services contacted me in earlyXX/XX/XXXXregarding an emergency physician bill from XXXX ( I think ). I disputed the bill and asked them to send information regarding this account. Information was sent to me and I had questions about the supposed debt. I was contacted again in XX/XX/XXXX and I made it clear that I had questions about the information that was sent to me and would need time to review and requested no more calls until I had an opportunity to do so. Even though I made this request, I continued to receive collection calls from Phoenix Financial Services ; somewhere around XX/XX/XXXX I received three collection calls in one day! I made it clear to the agent that I considered it harassment that I continued to receive calls regarding this account after I requested an opportunity to review their documents and told them I would call back. My credit score has been negatively impacted by Phoenix Financial Services from their reporting of this supposed debt as a collection account on my credit report. They reported an origination date of XX/XX/2021 even though I requested an opportunity to review the information in advance of that.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Equifax Credit Reporting Agency , block information appearing on my consumer credit report that is the result of Identity Theft and Fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX, Acct # XXXX with a balance of {$1400.00}, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX Acct # XXXX with a balance of {$730.00}, both aforementioned accounts have resulted in charge-offs being reported on my consumer XXXX Credit Reports. XXXX other fraudulent accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX Acct # XXXX in collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX high balance of {$3200.00}, and XXXX the transportation solution opened on XX/XX/XXXX Acct # XXXX in collections with/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX of {$4000.00}. These accounts have resulted in several fraudulent hard inquiries, fraudulent charge-offs and collections appearing on my consumer XXXX XXXX XXXX. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the above fraudulent items. I do not recognize the above accounts, collections, charge-offs, or hard inquiries as reported. The above accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint Case # XXXX as proof from the US Federal Trade Commission that all the above consumer credit accounts, collections, charge-offs, and hard inquiries are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I didn't started these records, and I unequivocally suspect them to be deceitful. I compassionately demand that you completely research and quickly eliminate them from my credit report. I have given supporting documentation to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report. 
Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$480.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}