23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i sent a detailed dispute letter to XXXX XXXX XXXX XXXX asking for validation on a fraudulent car loan that i did not authorize. i requested any or all contracts or promissory that was signed by me to validate the debt that is due to identity theft. i was notified the very next day without and investigation that my claim is not valid and has been denied
Product: Debt collection

PERFORMANT is notorious for strong-arm collection tactics, including ruining credit reports for non-payment. I do not owe this debt to PERFORMANT. It is a student loan that is current with XXXX. I do n't know why they are trying to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ID XXXX CFPB Write up ======================== In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX. XXXXdept Of Ed - XXXX XXXX XXXX XXXX  Bal : {$12000.00} Credit Limit : N/A- has violated my rights. 

XXXX XXXX Account # XXXX - has violated my rights XXXX. 
XXXX XXXX - XXXX Account # XXXX - has violated my rights XXXX. XXXX Account # XXXX - violated my rights XXXXDEPT OF ED Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a 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 transunion has me at a score around XXXX. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am submitting this complaint on behalf of myself. I do not have Capital One nor am I responsible for said account. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Capital One account does not belong to me.
Product: Mortgage

Chase has not responded to release the old FHA appraisal. My lender has tried for a week and this will cause me to lose the property Im trying to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company said they will remove all the negative info from my credit report and charged me $ 1000s but did not provide me with any update or improvement in credit score.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment 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 personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX, account XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX, account XXXX XXXX XXXXXXXX XXXX XXXX, account XXXX XXXXXXXX XXXX XXXXXXXX, account XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

There are inaccurate account information on my reports that do NOT match with my records or with other consumer reporting agencies thus proving the inaccuracy. See attached exhibits. The XXXX [ Account # XXXX ] has a payment status inaccuracy where one agency is reporting 120 days late and another 150 days late while also having unmatching monthly payment status. See XXXX exhibit attached below. Next is the XXXX XXXX [ Account # XXXX ] is showing not a single late payment on XXXX which matches my records but Transunion and XXXX is reporting monthly 30 day lates which does NOT match my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the debt with XXXX Bank according to the FCRA laws Section 1681 ( i ) a, I heard that you have to provide proof of this debt, if you can't provide proof of the accuracy of this debt it has to be deleted. There are inconsistencies with balances and dates between the reporting of this debt on Equifax and XXXX. I can't get validation to the accuracy of the debt amount. I am suppose to be provided the info to how much the vehicle sold. I have not obtain any written proof to challenge the debt and its validity. The credit bureau sided with the company without adequate proof.
Product: Credit card

I disputed some charges on a previous bill and added some I did not make. XXXX of them was XXXX XXXX decorating for {$580.00} ; a second one was XXXX XXXX for {$79.00} ; a third one was XXXX for {$130.00}. These charges were again added to the subsequent bill dated XXXX XXXX XXXX and new credit card. All the charges at issue occurred on the same day -- XXXXXXXX XXXX XXXX 

I had already disputed these charges in a phone call I made to Capital One, and they reappeared on the current bill. When I received the current bill for charges XXXX XXXX, XXXX XXXXXXXX XXXX, I had already called Capital One and disputed these charges, and was issued a new card to which these charges were transferred over. 

I feel helpless to get our from under weird, fraudulent charges that Capital One keeps charging me for. Every time I call them and dispute a charge, they cancel my credit card. 

They never re-issued one of the credit cards -- an XXXX Capital One card for which a previous statement contained fraudulent charges as well.
Product: Mortgage

In 2020 I received a call from my Mortgage Wells Fargo, company stating that if I'm having financial issues related to the COVID 19 pandemic that I could pause my payments for up to 1 year. At this time my business was totally halted from the pandemic so I elected to paused my payment for this time. It is important to know, this program was a no documentation program that they said was issues by the federal government in response to the pandemic. All I had to say was yes pause my payments and they would extend my term by how many months i decided to pause my payments. 

At that time my payments were a little more {$1900.00} dollars a month. Although I had a year to stay in the program, After 5 months my business was back up and running. I called Wells Fargo and everything went bad. Wells Fargo representatives explained to me that they made a mistake and give me false information. They stated that they did not 'pause '' payment, and the payments did continue. In fact, when I got out of the program. each payment that I missed would be taxed on to the principle! Meaning each month the Principle of my loan increased by the amount on my mortgage payment. The amount I owed went up by more that {$10000.00}!!! Even more, while disputing the mis-information, I could not get out of the " pause '' because that would trigger the increase principle payment. 

During this time of dispute, I paid my mortgage payments on time. None of the mortgage payment went to my account. For over a year, my payment went into a " non-asset '' account. Over {$20000.00} was place in this account. Although Ive paid the agree time, My Principle balance is more than {$12000.00} more than what it was 2 years ago and a {$22000.00} payment that is also due. 

To make thing even worst, While we were disputing this issue Wells Fargo sold my loan to the ABSOLUTE WORST loan servicer possible, XXXX XXXX XXXX XXXX XXXX. Although I was paying on time, Wells Fargo threaten to foreclose on my home. To keep from a foreclosure Wells Fargo worked out a new 40 year loan payment program which XXXX said they would honor. After just 1 payment XXXX raised my payment by {$100.00} a month. They stated this was a escrow audit. This is a lie. I know because 1 ) the escrow department stated that they did not do and escrow assessment on my account and 2 ) My insurance actually went down 3 ) My taxes never changed. 

The biggest issue is my the $ XXXX dollars that was not applied to my account from Wells Fargo was never transferred to XXXX. To this day, my XXXX account is showing a payment due of $ XXXX I strongly believe that Ive being scammed. At no time have I ever missed and agreed payment. While doing my research Both Wells Fargo and XXXX have a history of defrauding people with deceptive practices. 

Have have all records and many phone recordings to back up my claim. Is this something you can help me with or direct me to someone that can assist in this legal matter. Respectfully,
Product: Debt collection

XXXX  internet installed new service at my home and after a couple of years i moved to another service provider and i returned their equipment. I have the receipt. 
After a few months i see it on my credit report, i checked with them, they told me that i still have equipment that are not returned and it is a router. I told them that i never had this installed because i have my own router, the installer took it back with him right after initial installation.
Product: Credit reporting or other personal consumer reports

The company said the information was verified but Im needing to know whats the name of their employee who spoke with employee from that company also the name of the employee from the company they spoke with to verify the information being disputed also send payment history and original contract that was signed which includes the balances and payment history for Florida XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX this is informing them that a Letter of Intent to sue is next step if this information Im asking for can not be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : When the XXXX data breach occurred I immediately tried to place a block on all companies that gather credit information including Experian. Normally that should have been a simple process, however when I attempted to place a block via their website the company directed me to set up an account and charged my credit card for nearly {$30.00}. When I realized what had happened I cancelled the unsought " membership '' and as a result I received the following message on XX/XX/2017 : " Unfortunately, your Experian credit file has been automatically unlocked. 
Our CreditLock feature is currently available to upgraded members only. Because you chose to cancel your upgraded membership, you are no longer eligible for this benefit. 

If youd like to take advantage of the CreditLock feature once again, you can simply upgrade to have all the benefits you had before. 
Upgrade now '' The message above seems to me like an attempt to extort a monthly fee for a service which I did not request. All I want to do is to lock our credit accounts, but I am not certain how to accomplish this without incurring additional charges. 

Is it possible to pass legislation/regulation to control this type of consumer abuse? 

Kind regards - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, TransUnion and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

Lender, Lakeview Loancare bought my loan from XXXX Mortgage. The Lender has been terrible since purchasing our mortgage. Have never had such issues where my mortgage fluctuates from month to month. This lender can not tell me why it continually adjusts other than they did a reassesment. Loan # XXXX.
Product: Debt collection

I rented an apartment at XXXX XXXXXXXX XXXX, managed by XXXX XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, I documented persistent and severe nighttime noise disturbances, including loud arguments, stomping, and music, mainly occurring between XXXX a.m. and XXXX a.m. in my bedroom. Despite repeated complaints and requests for relocation, management failed to resolve the issue or allow me to break the lease. 

I vacated the apartment, returned the keys, and notified management on XX/XX/XXXX, providing emails and a move-out video as proof. 

Despite my departure, the management issued a " Pay or Vacate '' notice on XX/XX/XXXX, and later a Final Move-Out Statement on XX/XX/XXXX, demanding {$14000.00} in accelerated rent through XX/XX/XXXX. 

This alleged debt was referred to Carter-Young , Inc. for collection. 

I dispute the debt due to constructive eviction, improper billing, and failure to mitigate damages after my move-out.
Product: Credit reporting

I am the victim of identity theft. I disputed an account wrongfully reported on all three of my credit reports multiple times with each of the Credit Reporting Agencies and the creditor directly. I have previously provided police reports to substantiate my claim. Each time I receive a canned response : " We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. '' Yet the CRAs nor the creditor provide documentation *proving* they validated the information, despite my including a copy of my police report when I disputed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information reporting as my addresses and name on my credit report, I like to have removed as soon as possible. I am attaching my driver license for verification of identity. My name is only spelled XXXX way so the only name that should be in my report is ; XXXX XXXX and the only address that should be on my report is ; XXXX XXXX XXXX XXXX, Georgia  XXXX