23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.
Product: Credit reporting, credit repair services, or other personal consumer reports

The business falsely claimed to the CFPB under case number XXXX that they attempted to reach me on XX/XX/22 through a specified email address. This IS a lie! The SHADY business never sent me an email. In fact, the business purposely makes it exceptionally difficult for a consumer to obtain a report, in fact, much harder than the XXXX major credit reporting repositories! I am NOW providing this sketchy company as requested, a copy of my Government Driver 's License, and a bill within the last 60 days with my current address. Immediately, send me my complete consumer disclosure report for which I am entitled to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears
Product: Credit reporting

I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Dept of Education/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: Credit reporting or other personal consumer reports

A charge off is defined by the IRS as cancelled/forgiven debt. According to the IRS the XXXX is supposed to be granted. I am then to file it as reported income. According to the FCRA. Income is not supposed to be reported on my credit report. I have a copy of a letter from the company that is stating that they did not award me that XXXX. While listing that charged the account off not XXXX time but XXXX times. According to my credit report. This violates my rights to fair credit reporting and privacy. Not to mention my right to OPT out and written consent. I would like it removed immediately. If it is not removed, I will be happy to report this to the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears in my XXXX consumer report because the negative items that are listed have been updated due to the CFPB Breach. This is in violation of code 1681 i. 

Dispute XXXX : LATE PAYMENTS Account Number XXXX : XXXX XXXX XXXX Type of disputed information : XXXX XXXX Dates associated with the late payment items being disputed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Explanation of item being disputed : The status of my account is not correct. The report shows that I am delinquent, but I have made all my payments on time. 

Please update my consumer credit report to reflect the changes, and mail me an updated copy reflecting the deleted late payments and updated credit score. 

Thank you for your assistance. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017
Product: Credit reporting or other personal consumer reports

i contacted the credit agency to report that there was incorrect information on my credit report that needed to be removed, my initial correspondence was on XX/XX/year> after about 2 weeks i contacted your office to file a complaint on XX/XX/year> and within 7 days the credit agency responded with a request for documentation in which i promptly sent via certified mail... 

i recently got a responds back on XX/XX/year> but there was no change to my report, the report still had incorrect information being reported about me, more specifically the report has 6 different addresses, after i sent them a copy of my drivers license which states my address and i also sent the credit agency a peco bill which also has my address and correct name. 

i believe this is a deliberate act of discrimination and institutional racism and this company has cause me to missout on a number of opportunities due to their negligence
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW ; 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: Debt collection

Midland Funding is trying to collect a debt that I do not owe them. I have never signed any contracts with Midland funding. I have disputed this debt with the three major credit bureaus via certified mail. I just recently sent a debt validation letter via certified mail directly to Midland Funding. Midland funding is a company based out of Delaware and they are allowed to do business in Delaware and California. I am a resident in the state of Ohio. Midland funding do not have a foreign license in the state of Ohio to do business. I want them to cease and desist any collection activity and reporting to any and all credit bureaus. I want this debt immediately deleted from my credit report.
Product: Debt collection

I sent a debt validation letter to the debt collector : SCA Collections, INC asking them to validate a collection account with Creditor : Professional Pathology Services. SCA Collections, INC was unable to validate. SCA Collections, INC is reporting on my XXXX  report on a claim that they can not prove in the amount of ; {$500.00}. I would like this investigated and removed from my report.
Product: Credit card or prepaid card

An unemployment claim was fraudulently made in my name. 
I received a USBank ReliaCard in the mail that I did not request and my employer did not authorize or send. 
I want this card and account closed so no one may use a copy in my name or another name. 
My employer contacted me about the fraudulent claim, I received a notice from unemployment and made a claim with them, then I received this card in the mail.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX
Product: Debt collection

I have attempted on multiple occasions to request information from resurgent/lvnv credit agency about debt verification. I have yet to receive proper documentation on any debts owed to them. I am now requesting that they remove items from my credit report. 

Please see attached documentation below.
Product: Debt collection

Norman and Associates, a debt collection agency out of XXXX, GA, on behalf of XXXX XXXX XXXX, has sent a collection notice threatening to collect on a debt that is not applicable. The current balance of the alleged debt is {$1300.00}. At the time of the letter, they asserted that they would litigate against me and that they will enlist the services of a local attorney with the recommendation that a lawsuit be filed immediately. 

They have never attempted to verify the debt, only sent letters threatening to sue in the event that I did not pay a debt that I do not owe, per the records attached.
Product: Debt collection

I have been contacted several times via email about an alleged debt that I do not owe or a debt that is inaccurate and potentially a result of an impersonation and identity theft by an individual/third-party ( not affiliated with this debt collection company ). The communications are from TrueAccord Corp. regarding an alleged debt to XXXX XXXX  XXXX XXXX on or about XX/XX/2018. Furthermore, in the email correspondence TrueAccord has listed personal and private information about me and my address ( that is protected by my partner 's XXXX XXXX orders ) that can not be obtained publicly or linked to me by any means other than that of illegal practices. Moreover, I have never been contacted by XXXX XXXX XXXX  or any debt collector regarding this " alleged debt '' prior to this correspondence. 
I've requested this company to not contact me any further, blocked the sender, but to no avail TrueAccord and its representative known as XXXX XXXX XXXX continue to send communications via email about this debt/matter. This is a direct violation of my rights and remedies available under federal and state law.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly, Chase did not correct the error, so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information, it did not match what they have for the account. When they provided the last XXXX digits of a phone number, it sounded like my parents phone number, and it appeared that the account belongs to my father. Certainly, that should have been tne end of my problem, but instead, Chase left the account on my credit report. It is stunning to me that the credit bureaus and credit providers operated without any regard for accuracy or the people that they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes with Equifax about this debt collection XXXX XXXX XXXX XXXX accounts. First one is # XXXX and second is account # XXXX. FRCA requires that you are consistent, complete and accurate across the board with every consumer reporting agency is reporting the same thing in each account. I just showed you how you did not verify this on Acct # XXXX Equifax has no data, XXXX has XX/XX/2025, and XXXX has XX/XX/2025 and Second acct # XXXX Equifax blank, XXXX has XX/XX/2025, and XXXX has XX/XX/2025. All three can't be accurate if you going by date of first delinquency. From my understanding a collection account are not supposed to include a payment history because I do not have a payment agreement currently set in place with this debt buyer. This XXXX XXXX XXXX claiming a historical payment is falsely representing to my relationship with them. They can not report any payment history on the accounts from the alleged original creditor before, them. A collection is by default derogatory this goes without say. Please delete from my credit report immediately. Please note for these accounts I have disputed, unless every piece of inaccurate and missing data is filled in and every inconsistency, and every error is accurately fix or delete accounts entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a payday loan from XXXX it should not be showing on my credit report at all, as I was not informed before that this would be reported. If it is legal it should be reported with the correct dates and not XXXX of XXXX, with no payments. Its ridiculous that I have to keep disputing this information which is absolutely wrong and that anybody can report whatever they like on your credit report with properly disclosing this prior to reporting it. I have had no dealings with this company for years and certainly not last year!
Product: Vehicle loan or lease

My name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX. My phone is XXXX. On XX/XX/2020 I purchased a new XXXX from XXXX XXXX  XXXX Texas. I traded my the. Nissan in for the new one and financed through NMAC. I was told by the dealership that they would be paying off my trade-in loan right away. On XX/XX/2020, a draft in the amount of {$740.00} was removed from my checking account. This had been the loan amount of the vehicle I traded in weeks before that was supposed to have been paid off. I called the dealership and was told by XXXX in XXXX, TX that NMAC in XXXX, TX said that they were sending me a check for the overpayment. It is now XXXX and I still havent gotten my money back. I feel they are fraudulently withholding my overpayment. I have phoned them countless times since this took place and they have promised they have sent the check. I called when I didnt receive it and was told they sent it to the wrong address. I verified my mailing address with them. Bear in mind that this is the fourth vehicle I have financed through NMAC. I know they have my address becI receive promotional material from them frequently. The people with whom I have spoken on the phone assure me my check has been sent. However, after numerous promises of payment XXXX havent received it. The dealership in XXXX TX is Nissan of  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. NMAC address is XXXX. XXXX XXXX XXXX, TX XXXX. I truly end my money returned to me as promised. This is so unfair and I feel cheated since I have purchased four vehicles loyally fro. The dealership and financed through NMAC. Please help me resolve this. I am getting nowhere with the dealership or the finance company. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Experian knowling allows duplicate Inquiries & accounts such as XXXX XXXX XXXX XXXX XXXXXXXX to appear on my credit profile after Dispute verifying that they are in fact XXXX against the FCRA. XXXX is over XXXX old and is a paid closed account I asked to be removed and XXXX is appearing as a card I never applied or do business with. XXXX has an account I Disputed for Deletion with no balance and is duplicating entry under another account number when I only used their service once. I have verified this with Experian and Have asked them to adjust my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had a checking account that was closed by the XXXX XXXX attached to the checking account was a credit line. When they closed the account they never said that the credit line had to be paid in full. Payments were made in accordance with the monthly payment. When i was told that the account had to be paid in full the amount was paid immediately. I have been trying to open a checking account and i have been told that i have a mark against me on XXXX. I called the aforementioned company and was told there was nothing they can do. I called the bank ( XXXX ) and they told me there is nothing they can do, that they have put a satisfied into XXXX I was never late and was never told the account had to be closed. This was there mistake and they refuse to remove it from XXXX. I am having a hard time getting an account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit report and noticed due to the XXXX data breach i have identity theft related accounts on my credit report that I did not create. This been going on for a longtime and its detrimental to my reputation that transunion continue to report these accounts.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company or contractual agreement with them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian several times regarding the inaccuracies they are reporting on my credit report on behalf of XXXX XXXX XXXX XXXX for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask Experian to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to Experian was XX/XX/XXXX and again on XX/XX/XXXX. Experian responded that after the investigation they concluded the information reported by XXXX XXXX XXXX XXXX was accurate and the collection remained on my report. Experian did not require the company provide them or me with debt validation as I requested and Experian was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to XXXX XXXX XXXX XXXX to demand they validated the debt they are reporting to Experian. XXXX XXXX XXXX XXXX has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.
Product: Debt collection

On XX/XX/2023 I got an email from Sequium Customer support offering to settle a {$560.00} debt for {$220.00}. I took this office to get this off my credit and be done with it. They have started to call me continuedly well I am at work or asleep so I did not get to speak to them. Today XX/XX/2023 I was notified of a reduction to a debt owed. I went to look at what was done and saw the companies only took the {$220.00} off the account and did not close it has the emails and web site had stated.