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

Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I took a taxi from XXXX airport in XXXX to XXXX XXXX in XXXX. The agreed amount on the transaction was {$10.00}. After agreeing, I was taken to pay by card. I tried my credit card but the credit card declined the transaction. I then tried debit card and the transaction was accepted without me entering a pin, and without a receipt. The transaction on my bank appears as : PURCHASE XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX. The taxi company, disguising itself as a supermarket, charged {$180.00}. I promptly submitted a claim to wellsfargo on XX/XX/XXXX and they conducted their investigation and gave me provisional credit. After XXXX month, Wells Fargo rejected my claim.
Product: Debt collection

Jefferson Capital keeps sending me letters and threatening to sue me for something I never had. I have never had a XXXX XXXX account they keep on send letters stating I owe them when I do not owe them anything
Product: Mortgage

I wanted to refinance an existing ARM mortgage that was at 3.25 % and was to expire in late XXXX, with a new XXXX ARM at a lower rate. A company called Newfi finance offered a new XXXX ARM at 3.00 % in XXXX XXXX. My loan was less than 70 % loan to value. 
I provided every information they needed or asked for. They then requested that I pay for an appraisal to " lock in '' the rate. That appraisal cost me {$440.00}. I was assured that the loan was a go and was sent and E-signed all the the documents. Meanwhile the mortgage rates started to rise and suddenly the company rep was not returning my emails and phone calls. After a period of two months I finally called their corp headquarters and asked to speak with " some one in charge ''. At that time the gentleman informed me that there was a problem with verifying that I actually live at the residence since I use my business address as a mailing address on my utility bills ( I have used this address for over 25 yrs. It is safer for mail and identity theft as the mail is brought in to my business and handed to me 6 days a week ). I informed them that I can simply have the mailing address changed as I only get e-bills any more and did so right a way and sent them the information. I have never heard from them since, with the exception of a letter from a law firm claiming that I had not sent them the needed information. This firm has NEVER sent me a piece of mail. No " denial of credit '' or any other communication regarding my loan. They just hoped that I would go away. 
It is either discrimination ( I am an XXXX ) or greed as the mortgage rates ahd gone up. Either case is inexcusable.
Product: Credit reporting or other personal consumer reports

My car was stolen at XXXX XXXX early morning on my way to work. I am now fighting tickets and credit accounts that I did not create. I am living a nightmare trying to get my name straightened out.
Product: Debt collection

This is the third time i have been contacted by this particular creditor regarding an account that is not mine and was opened fraudulently. I had no knowledge of these accounts and they have threatened to take legal action. The accounts is question include the same two from before which is a XXXX XXXX account dating back to XXXX for {$650.00} and an XXXX XXXX account dated XX/XX/XXXX for {$3300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost frustration and concern regarding the multiple attempts I have made to rectify fraudulent items on my credit file with Credit Bureaus. Despite my continuous efforts to remove these fraudulent entries, they persist, and they are severely impacting my financial standing. 

Over the past several months, I have made numerous attempts to dispute and remove these fraudulent items from my credit file. These fraudulent entries are not only inaccurate but are also damaging my credit score and my ability to secure financial opportunities. Despite providing the requisite documentation, I have received several responses from your bureau indicating that these fraudulent items remain on my credit file. 

I can not stress enough that these fraudulent items are indeed inaccurate and are not associated with my financial history. I have attached the necessary documentation supporting my claim. It is imperative that these discrepancies are resolved immediately to prevent further harm to my financial well-being. 

Enclosed, please find the following documents : A copy of my credit report with the fraudulent items highlighted. 
Copies of documents proving the fraudulent nature of the entries. 
Any previous correspondence I have received from your bureau concerning my disputes. 
I kindly request that you conduct a thorough investigation into this matter and promptly remove these fraudulent items from my credit file. Doing so will help restore my creditworthiness and prevent me from being unfairly penalized for fraudulent entries that are not my responsibility. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, confirming the removal of the fraudulent items, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days and keep me informed of the progress throughout the investigation process. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance : {$1000.00} XXXX  XXXX  XX/XX/2023.
Product: Money transfer, virtual currency, or money service

My account was frozen on XX/XX/2022 and was told it would take up to 3 weeks to investigate why it was frozen. I was given no information at all but my funds were frozen. I was told my request was escalated to receive a faster response but no response at all. My husband 's account was also frozen. Last week I called for further detail and was told it is still with their investigative team, but I could not get any further info or speak with their team. I escalated as far as I could but they make it impossible to contact them. After 3.5 week, I tried again today only to be told I have to wait indefinitely for a response, even after being escalated to a supervisor. They would not escalate further and I was told to wait indefinitely for a response. Venmo is currently holding my money and my husband 's money for almost a month with no explanation at all.
Product: Student loan

ON XXXX XXXX 2016 I WAS CONTACTED BY NAVIENT VIA EMAIL TO HAVE MY LOAN PUT IN FORBEARANCE. I RESPONDED TO THIS EMAIL WITH A YES AS INSTRUCTED. I RECEIVED AN EMAIL ON THE XXXX OF XXXX 2016 STATING MY LOAN AND ALL OTHER LOANS HANDLED BY NAVIENT WOULD BE PLACED IN FORBEARANCE UNTIL XXXX 2016. ON XXXX XXXX 2016 XXXX OF MY XXXX LOANS WERE SENT TO DEPT OF EDU IN DEFAULT AND ON XXXX XXXX 2016 AN ADDITIONAL XXXX LOANS WERE SENT AS WELL. THIS PUT ME IN TAX OFFSET AND MY ENTIRE TAX RETURN WAS TAKEN TO REPAY A LOAN THAT I WAS NOT IN DEFAULT WITH AT THIS TIME. I HAVE DOCUMENTATION TO SUPPORT MY CLAIM.
Product: Credit reporting or other personal consumer reports

Aidvantage ( previously XXXX ) Account # XXXX I am writing to dispute the in inaccurate information from the AidVantage/U.S. Department of Education that appears on my XXXX, XXXX and XXXX consumer credit reports that indicate that I have 2 90-late payments for XX/XX/XXXX and XX/XX/XXXX. 

The U.S. Department of Education has permanently banned Navient from servicing Direct Loans and other financial aid programs due to XXXX making numerous processing errors, including misapplying payments and harming the credit scores of borrowers which has inluded mine. Now that XXXX loans are with AidVantage these proessing errors inluding missapplied payments are again showing on my credit report with AidVantage and harming my credit score. I have disputed this numerous times to deaf ears.

1. Navient/U.S. Department of Education Borrower Records show my payment and correct applied payments to loans through XX/XX/XXXX. 
2. Navient/U.S. Department of Education Borrower Records show my payment and proessing errors and misapplied payments to loans XXXX through XXXX. 
Enclosures : U.S. Department of Education Debt Collection Bill XX/XX/XXXX Collection Bill from XXXX XX/XX/XXXX U.S. Department of Education Debt Collection Bill XX/XX/XXXX XXXX Payment History Navient Borrower payment records XXXX Aidvantage accounts showing 90 day late payments for XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I have a problem with my credit report credit bureau showed a report with the wrong name and phone number and the wrong address also there is a XXXX credit card account that is not mine but they showing on my credit report. I don't know what to do this makes me really bad with my credit. it's going to be really bad cause they showing me the wrong information on my credit report. please help me I don't know what to do. please help me. I feel very sad and bad. why someone's credit is on my report? Please help me to remove it. please help me. Please fix this. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. XXXX XXXX XXXX XXXX XXXXnd XXXX XXXX XXXX XXXXXXXX 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

In XX/XX/XXXX, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is one of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the Portfolio Discovery disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

However, I did not receive a response. To give the organization more time to complete their inquiry, I waited 63 days for a response and when I did not receive one, I sent another letter on XX/XX/XXXX. To this date, I have not received a response. This company has failed to provide any documentation that shows I owned this account. It is obvious that they do not have the proof to do so. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Checking or savings account

I have tried numerous times to open a CD account with BMO XXXX  during the month of XX/XX/XXXX  and have been unsuccessful. I have been denied opening an account five times, yet keep receiving the same automated email response : " Thank you for your interest in BMO XXXX. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. 

Thank you for choosing BMO XXXX. '' Upon calling BMO XXXX to get more information, they have refused to give me a reason as to why my application was declined. No one would let me speak with a supervisor or provide me with any further information as to why my application was denied. The told me the only thing I could do is reapply, which I have, yet am still getting declined.
Product: Mortgage

Dear Sir or Madam : This is the third time that we turn to you for assitance. The initial problem was an unrecorded mortgage. Through your help, XXXX XXXX XXXX recorded the mortgage in question ( see assignment of mortgage attached. ) Now the ultimate goal is for us to obtain a letter of satisfaction for the recorded mortgage. XXXX XXXX XXXX ( XXXX ) took over XXXX, which assigned the mortgage to Washington Mutual. XXXX finally recorded this assignment with the XXXX County Clerk 's Office ( XXXX letter enclosed ). Because JP Morgan Chase took over Washignton Mutual, XXXX stated that Chase will have to provide us with the Lien Release or Letter of Satisfaction. Please note that we refinanced we another bank and paid off the Washignton Mutual mortgage more than 10 years ago. The XXXX requested that Chase send directly to us the Lien Release in its original form. While we will be responsible for the recording fee, the XXXX indicated that they can immediately execute the release if we bring it in person. 
My wife and I want to acknowledge your tremendous help and getting this issue resolved. 
Yours truly, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$16000.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- They don't want to give me the account number, it only shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I checked my credit reports and noticed a hard inquiry that I had not authorized for Capitol One-XXXX. I reported fraud and froze my accounts XXXX, XXXX, XXXX. A few of those indicated I needed to contact capital one which I did that week via phone call. I thought they took care of the fraudulent inquiry. However I went to check my reports today as I am getting ready to purchase a vehicle. I noticed the inquiry was still on my account. I again contacted each agency to dispute
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I looked at my credit throughly last week and found more accounts that have been caused by identity theft. So I'm following instructions and doing what they told me to do.
Product: Checking or savings account

My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a check.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$300000.00} Late/Open Equifax XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$300000.00} Late/Open 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, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Late/Closed XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX : {$0.00} Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Charged Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Late/Open 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, credit repair services, or other personal consumer reports

Dear EXPERIAN : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.