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

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called TransUnion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions and or permission. 

XXXX XXXX XXXX, XXXX. 
CREDITOR : XXXXXXXX XXXX  XXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX and XXXX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/2017
Product: Bank account or service

I am retired and wanted to start collecting my pension last year from CITI. Based on the information they provided, I selected a monthly payment of $ XXXX/month, which they started to pay. THEN, I received a letter dated XXXX/XXXX/2017 in which they stated they made a mistake and the monthly benefit would be only {$96.00}. I would NEVER have picked that option had they provided the correct information-I would have picked the lump sum option. 
At $ XXXX/month I am unlikely to live long enough to collect the money in that account. To me, this is a case of FRAUD-telling somebody one thing and then changing it a few months later. In addition, they said they will charge me INTEREST on the overpayment!! 
How can they charge me interest for THEIR mistake? 
I contacted their office yesterday at ( XXXX ) XXXX and explained my situation. Somebody was supposed to check into it and call back, but I never got a call back. At this point, I would like to receive the LUMP SUM option for the money remaining in the account and NOT be charged interest for their mistake. This is looking like FRAUD to me. 
Thank you very much for anything you can do to help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information rom me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX
Product: Mortgage

This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.
Product: Mortgage

I have this recurring problem with Rushmore Servicing in that XXXX XXXX XXXXXXXX tax period falls midyear ( XX/XX/XXXX ) while it seems that most other tax assessment periods begin on XX/XX/XXXX. So, not only me but all XXXX residents who have their loans serviced by Rushmore will get a tax bill out of sync with their taxes which for some ( like me ) means they are overpaying or other will have a deficit. Rushmore should be automatically doing an escrow analysis based on the specific jurisdiction 's tax period. To do otherwise means a burden to the property owner- either paying too little and getting an unexpected mortgage adjustment or paying too much and have an expected increase. What does Rushmore get out of it - use of the homeowners ' money. As even if there is a deficit the homeowner ( not Rushmore ) has to pay.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX XXXX I do not have a contract with Hunter Warfield Inc, they did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity.

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I purchased a money order and I sent it off and it never got cash so it never arrived at XXXX or the destination didnt cash it so I filed a missing money order form and I gave them all the information that they needed and its been over a week and I still havent heard anything back from them or been told I could come pick up the money the refund so I would like to get the money back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Residential Home Mortgage processed a hard inquiry on all three credit bureau agencies XXXX XXXX and XXXX reports without my concent in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Capital One ( Bank ) report a hard inquiry on my XXXX credit report, I have never apply for any financial product from this bank and also in that date I haven't had ssn yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.
Product: Debt collection

Most recent letter sent was XX/XX/2022 Ive tired to reach out many times before, never receive a call back.
Product: Credit reporting or other personal consumer reports

There are AMEX accounts on my credit report and the 3 reporting agencies show differing account numbers and information. 

The account numbers as listed on statements from AMEX had the 5 numbers listed as XXXX - working capital business line of credit AMEX ; XXXX - business loan AMEX 1 ) The business loan was paid online via AMEX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. 
See attachments showing online payment directly paid to AMEX via my online AMEX account. 

2 ) The working capital line of credit was settled with AMEX XX/XX/2021 with the agreement betweenboth parties signed on XX/XX/2021, that derogatoryinformation would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. 

I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from AMEX and the information on these alleged accounts does not have the accurate information. 

I am requesting that this account is removed from my report.
Product: Credit card

Reference Number : XXXX I find the reason for closing my case on XX/XX/XXXX, stating 'We were unable to investigate because this dispute was reported more than 30 days after your statement date ', to be unjustified. My initial dispute was filed on XX/XX/XXXXXX/XX/XXXX well within the 30-day window following the statement date. Furthermore, the issue with the product did not arise until XX/XX/XXXXXX/XX/XXXX as demonstrated by the supporting documents I previously submitted. It's also important to note that American Express 's policy allows card members up to 120 days to file a dispute, and time frame of redisputes can extend accordingly. Therefore, I requested a reconsideration of my case based on these points via AMEX chat. However, the representative insisted that I need to contact the Dispute Team by phone and refused to provide further information or assistance. 

In addition to the previously mentioned concerns, I must address the apparent negligence in handling my case by the assigned agent. There was a clear lack of thorough review of the documents I provided, as well as a serious lapse in considering the case 's validity. If the 30-day timeline were indeed a critical issue, it is perplexing that my case was allowed to be reopened on XX/XX/XXXXXX/XX/XXXX Moreover, the agent 's request for additional documentation on the same date contradicts their stance on the timeline. 

Furthermore, after my attempt to appeal the dispute on XX/XX/XXXXXX/XX/XXXX the status of my case was changed to 'As per your CM Agreement and/or merchant policies, we are unable to investigate this charge. Please contact the merchant directly. ' This abrupt shift in the case 's status, without any accompanying documentation or detailed explanation, raises serious concerns about the transparency and fairness of the investigation process.
Product: Mortgage

Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has caused me financial damage by removing my creditcard information which shows my nearly 4 years of credit with my credit union. I have tried twice to have them put the information back on but they have refused. I have had three denials of credit because of this and had to go to higher interest lenders because of this one of which was extremely hard to pay off when I refinanced my home because they couldn't seem to understand what a payoff letter was, how to write one, or that they actually had to honor it. Transunion is unfortunately considered so reputable that most companies who use it are not thorough enough to double check with other credit reporting agencies to find out if they are getting the correct information. Not only has Transunion made things harder but they have cost me money as well and should be required to compensation people they have defamed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names 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 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 XXXX  and phone XXXX XXXX XXXX XXXX listed do not belong to me. Please investigate these inaccuracies and remove them from my record. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 accounts is inaccurate.
Product: Debt collection

Repeated phone calls leaving voice mails saying that they have a check with my name and social security number on it that is a bad check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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, credit repair services, or other personal consumer reports

CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my XXXX report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from XXXX  in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how XXXX  calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, XXXX, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Product: Credit reporting or other personal consumer reports

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent 3 letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Portfolio Recovery, is listing one account for XXXX XXXX on my XXXX credit report. XXXX XXXX is also listing this account on my credit file/report. This account was included in Bankruptcy.
Product: Debt collection

I submitted a complaint with XXXX XXXX XXXX XXXX on XXXX XXXX XXXX I am requesting a copy of the Original Purchase Agreement from Debt Collector. The account that I had with the credit was sold in the information reporting on my credit file is incorrect. 

Complaint ID : XXXX Please provide me with the Original Purchase Agreement for this Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts as follows : 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. 
I have the following rights as a consumer : 15 U.S.C. 1681 Section 602A. I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : A consumer agency can not furnish my account without my written instructions 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 that the information is inaccurate.

I have reviewed the information across all three credit bureaus and found numerous inaccuracies in my accounts across all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : XXXX  XXXX XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX   XX/XX/2019 XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX  XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Payday loan, title loan, or personal loan

since XX/XX/2018, marinerfinance has put a lot of late Payment on my account. This was an auto payment from my own bank and for some reason the payment did not go through. i discussed with marinerfinance on this manner since this was my first time making a late payment but no luck. I suggest a plan forgiveness where i will pay {$200.00} upfront but they never reply back to me. They never remove the late payment that was associated with the same issue. i see now it just popped up on the two others bureaus and this has really and greatly lowered my score.