23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was stunned once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment. 

I don't have any record of being 30 days past due XX/XX/XXXX and 30 days past due XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Mortgage

Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX  XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Debt collection

I have tried to fix this issue many times about the negative remarks on my credit pertaining to national credit system falsely putting information on my credit report if information is not done accurately the fist time but is against the law to keep going in submitting false information I want this resolved in removed of my credit my XXXXredit score has went down 3 different times from submitting false information to credit I have made several disputes with transaction but it seems they dont care I have alot of rights that sad been violated
Product: Credit reporting or other personal consumer reports

i am a victim of data breach and identity theft. please block and delete these accounts within 4 business days pursuant to FCRA 605B15 U.S.C 1681C-2 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  {$610.00} XX/XX/XXXX XXXX XXXX  {$600.00} XX/XX/XXXX SELF FINANCIAL/LEAD {$1600.00} XX/XX/XXXX XXXX XXXX BANK I HAVE CONTACTED THESE LENDERS AND TOLD THEM I HAVE BEEN VICTIM OF DATA BREACH
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I reached out to XXXX after filing a XXXX dispute and sending verification of identity to have misleading information removed from my profile. I also requested that my telephone number be updated because that is the only way to access your XXXX credit report online. The representive gave me the incorrect telephone number on my account beginning in XXXX and then refused to remove it upon providing proof of my correct telephone number which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX/XXXX XXXX  Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, ALLY FINANCIAL Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 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. 
XXXX
Product: Credit reporting or other personal consumer reports

I have spoken to XXXX customer representatives multiple times throughout the year XXXX  after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to XXXX. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Product: Debt collection

National credit systems contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The highland bluffs I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-XXXX, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection. 

I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a credit card after receiving preapproval. I was denied even though my debt to income ratio is around 18 %. When I called I spoke with XXXX she advised me that they based my application on false info. They stated my credit report shows two mortgage payments, one for {$440.00} and another for {$660.00}. That is false, my credit report only shows one mortgage payment. She also stated my credit report shows a monthly payment of {$5000.00} to XXXX. That was another false statement. That account she claims was used as my debt has been paid off for years. XXXX claimed she would have everything reviewed and she would reach out to me in a few days. Never heard from her. Called Discover today and received the run around. It is a violation of the Fair Credit Act, to use false credit info. Discover was made aware on XX/XX/2021 and XX/XX/2021 that the info they used to deny my application was not accurate. XXXX has provided me with a credit report and it is accurate. They also told me they did not provide Discover with the inaccurate credit report they used. Discover has a duty to obtain and use accurate information when reviewing application, especially when they have been informed what they have used is not accurate. Discover 's failure has caused me to improperly be denied and have an unnecessary inquiry. They have clearly violated the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I am writing to file a formal complaint against World Finance regarding a debt they are alleging I owe. I am disputing the validity of this debt and formally requesting World Finance to provide full validation, as required under federal consumer protection laws. 

Issue : World Finance has claimed that I owe a debt. However, I have not received sufficient documentation or validation to prove that this debt is valid and legally enforceable. I am requesting World Finance to provide proper validation of the debt, including : 1. The amount of the original debt.

2. A breakdown of how the alleged debt amount was calculated.

3. Proof that the debt has not been paid or settled.

4. Any signed agreements or contracts showing that I am responsible for the alleged debt.

Legal Grounds : I am asserting my rights under the following federal laws, which require debt collectors and creditors to provide validation upon request : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under Section 1692g, I have the right to request validation of the debt. This requires the creditor to provide sufficient proof that the debt is valid and that I am legally obligated to pay it.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) World Finance must also ensure the accuracy of the information they furnish to the credit reporting agencies. Reporting inaccurate or unverifiable debts is a violation of the FCRA.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. If the debt stems from a credit transaction, I request any documentation related to my original credit agreement with World Finance, as required by the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from One Main. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Product: Credit reporting or other personal consumer reports

The debt is with XXXX XXXX. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and XXXX XXXX has provided me with a letter stating that the status of the loan is in charge of status since XX/XX/XXXX. XXXX and Experian stated that even though I provided the letter that came from XXXX XXXX stating that the loan is written off, they will not place the correct status of the loan as written off. Both XXXX and Experian states that it is not their job to correct the fact that XXXX XXXX is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if XXXX XXXX keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want XXXX, Experian and XXXX XXXX to report that its charges off as stated in the letter XXXX XXXX sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to tell you to remove the disputed items from my credit report. I believe they are fraudulent and do not belong on my credit report. 

Kindly remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX {$570.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$9900.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/19, my phone has identified 22 phone calls that display as coming from Portfolio Recovery, in spite of the calls coming from different phone numbers each time, including today. There may be other calls from them using phone numbers that don't display as coming from them. I don't answer phone calls I don't know, so these calls always go to my voicemail. To date, I have not received any voicemails from Portfolio Recovery explaining why they are calling. I am also 100 % confident that I have no valid outstanding debts with any company or entity, so there is no chance that these phone calls are for a valid debt. I have not, to date, received any mail from Portfolio Recovery offering me any proof of a valid debt, as is required by law.
Product: Credit reporting or other personal consumer reports

Transunion has failed to do a re-investigation into account XXXX the current error on my report shows an error on the account that is inaccurate. This account needs to be updated to a XXXX  status