23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is demanding the full balance on my account, They paid my property taxes which was not due in full and will not accept and payments, in order to commence with foreclosure proceedings. I have requested the gap account in a XXXX  which they have yet to answer. I sent a notice of default because it's been over 60 days since I sent the XXXX  .They have refused to render an assistant such as a loan modification
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX and/or XXXX XXXX XXXX Accounts have been paid in full XXXX. XXXX ( XXXX XXXX ) on Transunion report XXXX. XXXX XXXX XXXX on XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on XX/XX/2022 of an inquiry that I did not consent I quickly contacted the company and spoke to someone asking how was an inquiry placed on my credit report without my consent. I was told that I was shopping for a vehicle and I have no understanding on how this inquiry was added to my credit file because I am not shopping for any vehicle loans and havent ever since. This is a fraudulent inquiry and it should be investigated and removed. I have not given my consent digitally verbally or in writing to place inquiries on my consumer report there for that is a violation of my privacy rights and without consent.
Product: Consumer Loan

I obtained a vehicle loan with Gateway One lending and Finance in XXXX of XXXX on a XXXX XXXX XXXX. The car was repossessed in XXXX of XXXX, however I did not receive information as far as the date of the auction, location, or the amount the car was purchased for. I was checking my credit report and notice I had an outstanding balance remaining on the account for {$22000.00}. I did not purchase the car new and had missed XXXX payments prior to repossession. I do not understand why the outstanding balance is so high or why I was not noticed of what the car was sold for. I also do not believe the balance listed on my credit report is accurate. I would like to see physical proof of what the lender received for the car, and the balance owed corrected.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurately please remove them immediately. 

By the way these two accounts have the same account number this is against the fcra DeptedXXXX XXXXXXXX DeptedXXXX  Account XXXX
Product: Mortgage

I started to buy a house and was given a contract that did not list the accurate address of the contract. My mortgage broker requested that the contract be fixed on XXXX/XXXX/15. I had requested several times before and after the XXXX via email and through my realtor and mortgage broker to the attorney representing the seller for my escrow check to be returned. I also lost my job and have sent them a termination letter and a mortgage denial letter for all of these reasons and they now say that I have delayed the process. They do not respond now. The contract was not legal and the seller refuses to terminate the incorrect contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer reports and noticed the XXXX XXXX XXXX account information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse received a phone call on XX/XX/2021, from XXXX XXXX XXXX  regarding an application that was submitted under my personal information that they had suspected was fraud due to my spouse and I already have an existing account with them. 
I did verify it was from identity theft. 
I then checked my XXXX XXXX app to check my inquiries to find I had roughly 5 inquiries showing on my report within a 2-week period. Along with letters received in the mail from 2 different banks not noted on my credit report. I have disputed all of the inquiries with each creditor. I have had some inquiries removed. 

XXXX XXXX ( travel & entertainment ) inquiry posted XX/XX/2021 on XXXX-I 've called them at least 2 times. First Representative I spoke to in end of XXXX or early XXXX stated fraud will be noted, and inquiry removed on XXXX. Second Representative stated that fraud was noted and was sent for review. I'm still waiting if they will remove inquiry. 

XXXX XXXX  ( card service ) inquiry posted XX/XX/2021 on XXXX I've spoken to a Representative to notify identity theft. Rep mentioned the account will be closed and the account would be investigated. They haven't removed inquiry from XXXX. 

XXXX XXXX XXXX  inquiry posted XX/XX/2021 on XXXX I've spoken to Representatives on several occasions. Most Reps stated they closed the account and noted it as fraud but couldn't help remove inquiry from my credit report. Stated that I must contact Credit Bureau to have inquiry removed. Whomever stole my identity reported employment with XXXX. I've never worked for such company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  - Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau XXXX XXXX XXXX File XXXX I am contacting you regarding how Transunion is handing my credit file and has not been able to fix the issue for the last week. Anytime I would login and try to do anything I get the error of 'We are unable to process your request '' then giving me a number to call where still none of the agents could help! I've been taken in circles only to not hear anything back from Transunion. 

I am trying to lift a freeze that was placed on my account so that I can apply for credit and I just learned on yesterday after trying to handle the issue twice that I have two social security numbers attached to my file. I asked the question of how does that happen? and noone can give me an answer not even the supervisor. The problem that I have is if my file has two social security numbers send me a letter or contact me to advise so that we can fix the problem or when I've called in to dispute which I have ask the question or something.

I currently can login to transunion.com but that's it and each time I did a chat they told me that I would get a call in 4 days. Well days and days have gone by and no call and no help from Transunion. I get escalated to a supervisor who gave me all of these textbook answers and yet still could not give me answers to how my file ended up with two social security numbers. I'm really disappointed in how they have handled this matter and I would like them to remove the freeze and fix my online account removing the extra social security number. 

What I can't understand is that I can call and do disputes, verify myself over the phone so that I can get an agent but yet can't lift a freeze after logging into my Transunion account. Again noone there can tell me how I was assigned a second social security number. 

My social security number is XXXX and I have no other number. I am sending a copy of my drivers license as requested to remove the freeze and fix my account. I would hav been nice to receive some type of alert when I called each time rather than telling me its been escalated and I not hear from them at all. I need this handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX opened XX/XX/XXXX amount {$750.00} and Bridgecrest date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to conduct a reasonable investigation into disputed items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail, tracking number # XXXX XXXX XXXX XXXX XXXX XXXX, explicitly requesting an investigation into inaccuracies present on my credit report. Additionally, I disputed incorrect personal information listed on my report. In order to assist TransUnion in verifying my identity and address, I included essential documents such as a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Despite these efforts and the legal obligations outlined in the FCRA, TransUnion has failed to conduct a reasonable investigation into the disputed items on my credit report. Instead, I received a response from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

The FCRA clearly mandates that if a consumer disputes the completeness or accuracy of any information within their file at a credit bureau, the bureau is legally obligated to conduct a reasonable reinvestigation to verify the accuracy of the disputed information. TransUnion 's failure to fulfill this fundamental requirement constitutes a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter sent to TransUnion, along with XXXX mail proof of delivery and TransUnion 's response, serving as undeniable evidence of my attempt to rectify these inaccuracies.
Product: Credit reporting or other personal consumer reports

These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Product: Debt collection

Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. Have I attached proof of identity below.
Product: Debt collection

Subject : Dispute of Debt Reporting on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that is being reported on my credit report, which I am unsure belongs to me. Despite my attempts to obtain validation of this debt, it continues to negatively impact my credit score. 

Details of the Complaint : Debt Collector/Creditor LVNV FUNDING LLC Account Number ( if available ) : [ Insert Account Number ] Amount of Debt : {$480.00} Credit Bureaus Reporting the Debt : [ XXXX, XXXX, XXXX ] XXXX with the Debt : 1. I do not recognize this debt and have no recollection of incurring it.

2. I have requested debt validation from the creditor/collection agency, but I have not received sufficient proof that this debt is mine.

3. The continued reporting of this debt is unfairly damaging my credit score and causing financial hardship. 

Requested Resolution : I request that the CFPB investigate this matter and require the creditor/collection agency to provide proper validation of the debt. 
If they can not verify the debt with legally sufficient proof, I request that it be removed from my credit report immediately. 
I also request that any credit reporting agencies update my credit file accordingly. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at XXXX or XXXX for any further information. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct #, XXXX ; XXXX XXXX XXXX Acct XXXX, XXXX ; XXXX Card Acct #, XXXX ; XXXX Card Acct # XXXX ; XXXX XXXX, Acct # XXXX ; XXXX, Acct # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. 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.
Product: Debt collection

Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX, XXXX, Experian, and any other company that has my information that Is violating my rights to cease and decease my credit report
Product: Mortgage

I On XX/XX/2024 I received a clear to close. By XXXX and cardinal financial. Later that day documents were prepared. I went to attorneys office and signed all documents including promissory note and given keys to the new home. As I sat there while attorney prepared to wire funds. The attorney told me the lender refuse to authorize release of funds. I called the lender at the closing table to find out what was going on. XXXX XXXX Of XXXX told me the loan was in quality control. 
He said I needed a letter of what my intentions with the home were. Also I needed a note that I can work remote or a job letter. Both of which I provided being the intentions and the job letter. Then he asked me about signature on gift letter which they already received and verify XXXX weeks prior to giving clear to close. Then they started asking about the name on my email. Then they asked me about money I sent to my son via XXXX if it was child support payment. Then after providing a job letter which they verify. They then ask me to provide a direct deposit verification from the employer. If the employer didnt provide direct deposit they the lender would find another solution. 
When I informed them that the employer does provide direct deposit. XXXX then proceeded to tell me. That the FHA deny the loan because you dont have a job in Georgia XXXX When the listing agent called to ask what was the sellers option because the transaction closed. The lender told the listing agent that they could fund the sale. So the seller can get there money. Then they would foreclose on the home. At this point everyone associated with this transaction was bewildered. Ive met all the requirements they asked of me. Up until signing the promissory note everything was good. 
I followed all the instructions they gave me and they led me down the dark road and now Im homeless. Now Im sleep on someone couch for the past week and a half. This experience has been a nightmare for me. XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX cardinal financial. XXXX XXXX of cardinal financial they all made me feel criminalized. Also I requested the denial letter on the denial day and havent received it yet. Ive followed up and still nothing.
Product: Credit reporting or other personal consumer reports

We have been making additional payments above and beyond our minimum due since this account was first opened/transferred to XXXX. XXXX  for several weeks/months was not reflecting these additional payments on our account which has resulted in me calling them and creating several customer service tickets which are reflected upon our account since XXXX. Some customer service reps would tell me they knew how to fix the issue, and to just check back in a week. Eventually we received a letter that said we were late on a payment ( even though our dashboard showed we had made every payment, on time, and were in fact OVER PAYING against our minimum due ). I called in XXXX and was told to ignore the letter, that the over payments were simply not being recorded and that the service rep I spoke with that day would fix it all. Now today my wife and I have both received alerts on our credit reports that we have a past due account with XXXX XXXX. This is unacceptable. For two people that literally over pay this is absurd to make matters worse I was told I would not hear back from their credit department for at least 30 business days.
Product: Debt collection

On Tuesday XX/XX/XXXX Some credit collector named XXXX called XXXX XXXX - who works for a company I do business with. He called his cell looking for me. He did not say He knows me. He is from XXXX  XXXX.He said if I happened to know you to give you his number. XXXX called me and notified me of these details and also said the deal we were working on was cancelled- costing me {$5000.00}. I will be suing.