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

My issues are with Trans Union. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Trans Union credit score. According to Trans Union : 039 Serious delinquency. Note : According to Trans Union reporting, " You have a stellar payment history. 100 % on-time payment history. '' 018 Number of accounts with delinquency. Note : According to Trans Union reporting, " All good here! XXXX derogatory marks. '' 008 Too many inquiries last 12 months. Note : According to Trans Union reporting, " 1 recent mortgage hard inquiry with a total of 6 inquiries. '' Each of the non-mortgage inquiries were not to be reflected on the credit report according to the creditor, with a direct assurance from each that, " this is not a hard inquiry and will not impact your credit. '' 014 Length of time accounts has been established. Note : According to Trans Union, the oldest account is 4 years and 7 months. Note : According to Trans Union, " You have a solid number of accounts on your report. '' Note : According to Trans Union, I have 15 accounts on my credit report. 10 active accounts that have NEVER been late. 5 closed accounts reflect a car loan that was paid because XXXX XXXX  misreported a payment as late in 2018, which I disputed ; and 4 educational accounts that have never been late. This is not a matter of bad reporting. My credit score should be in the high 700 's -low 800 's.
Product: Credit card

SYNCHROINY BANK/CARECREDIT FAILED TO ACTIVATE XXXX INSURANCE ON THE ACCT THAT WOULD PAY THE ACCT IN FULL
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : BXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Sagestream Services failure to provide a credit report and show common decency toward a consumer. In a letter dated XX/XX/2020, XXXX XXXX informed me of an adverse action on my credit card application based off information provided by Sagestream. The specifics did not make sense so I decided I would reach out to Sagestream to check for errors on my report. In a letter dated XX/XX/2020 I contacted Sagestream requesting a copy of my credit report and received no response. On XX/XX/2020 I called Sagestream and left a voicemail but received no response. On XX/XX/2020 I also called Sagestream, left a voicemail, and received no response. Finally I sent another letter by certified mail on XX/XX/2020 which Sagestream received on XX/XX/2020. As of XX/XX/2020, I have received no response. This is my first time formally reporting Sagestdream, but my experience in the past and present is that no one communicates from the company.
Product: Mortgage

I applied for a HELOC with 5/3rd bank. I submitted all income and credit documents required and fully qualify. The underwriters then requested I increase my homeowners insurance dwelling coverage to match the first lien as well as the second. When I requested this from my insurance agent, XXXX XXXX, they advised that as per Fl law this was not required as a protection to the homeowner and that the property was insured for full replacement cost as per law. The Underwriter for 5/3rd has denied my loan because the insurance company will not raise the dwelling amount. I fully qualify for this loan based on income and credit, I have full insurance on the property as per Florida law. I can only assume that 5/3 is discriminating against me for an unknown reason.
Product: Credit reporting or other personal consumer reports

My information was part of data breach, and I want these items removed off my credit.
Product: Credit reporting or other personal consumer reports

I could not get access to my Transunion credit report so I could unfreeze it. It didn't absorb my password so I changed it. It let me b in after multiple attempts but would log me back out once I clicked on unfreeze my report. This happened continuously. I reached out through chat and it just kept sending links to log in again. I had to put in my SSN multiple times. Sometimes the full ssn and other times, the last 4 digits. The last time I put in my ssn, it sent me directly to chat instead of the supposed " second step ''. This just occurred today XXXX XXXX XXXX. I just need to unfreeze my report. It shouldn't be this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer ( XXXX  ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on one of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given direct verbal and written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.
Product: Mortgage

I applied for a loan modification recently and was denied based on the fact that I had a prior modification from XXXX. In the modification from XXXX, our loan payment increased by XXXX along with our principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

01   XXXX   XXXX     XXXX   XXXX   XXXX   Open {$3300.00} Account Details Last Reported   XXXX   XXXX   XXXX   Collection Agency   XXXX   XXXX   XXXX   Original Creditor 01   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX  , CA   XXXX     XXXX   XXXX   XXXX   XXXX   Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.
Product: Debt collection

The Bureaus company is reporting to my credit report that I am in collections with XXXX XXXX. On my credit report you can see that XXXX XXXX was not in bad standing and was paid off without getting even close to collections over seven years ago. I currently have another XXXX XXXX as well, also in good standing. I tried to dispute through XXXX XXXX and they said it was legitimate even though there's no history of where it came from and I tried again with XXXX and same result. There's no history on my credit report from them besides this collections which they keep updating to being more and more recent. I asked them to provide me with a copy of the history of the account and they never sent it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number  : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed multiple orders for the same item.
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Due to Kohls general incompetence they did not fulfill the orders in full ( Cancelled earned Kohls cash before it could be used ). Any attempt at rectifying the situation with Kohls customer support was fruitless. They attempted to make multiple " manual '' orders to rectify the situation but any time these orders were placed, they cancelled them prior to shipping.
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I have attached a screenshot showing communication from a Kohls representative promising a credit of {$890.00} ( How they came up with that number, who knows ). This credit has yet to appear on my statement. I was even instructed that I NEEDED to go to a store and present two forms of ID to a store manager. After doing this in XXXX on XXXX17, the credit was still not issued.
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I would also like to note that I mailed in an official dispute letter to Capital One on XX/XX/XXXX. This dispute letter has gone unanswered and Kohls phone representatives refuse to let you speak with Captial One XXXXctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve unknown account and I can not find a resolving factor overwhelmed with dealing with identity theft, fraudulent and data breach..Help me delete old unknown incorrect information so I can have a chance at the American dream of home ownership or business ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked do proof that they verified with the courts that this bankruptcy was in fact mine. They have refused to provide me wit that proof. I contacted the court myself and asked how they verify with the equifax and they noted that they do not. I sent equifax the letter from the court stating that they do not verify anything with collections agencies and they still refuse to remove from my credit report. I have attached the proof I received from the court stating that they do not verify anything. Ive contacted equifax numerous times to get this bankruptcy removed from my credit file as it has been removed from the other 2 collection agencies.
Product: Debt collection

I am a consumer of the United States and CB/Epress is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/Express has committed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Mortgage

XX/XX/XXXX, a check was mailed to company for monthly mortgage. They advised they never recieved the check, XX/XX/XXXX, at XXXX XXXX, advised that I would put " stop payment '', which was charge {$41.00}, late fee by mortgage. The stop payment cost {$35.00}. Did not recieve XXXX statement, called XX/XX/XXXX, XXXX XXXX, the computer stated i didn't owe till XX/XX/XXXX. Recieved letter from SPS Inc. Stayed would be charged for so payment. Called SPS, XXXX. XXXX XXXX, addled why they tried to cash stop payment check they knew about. Also, proving that payment was sent in, via post mark, tried to get reversal of late fee. Was told they are not in control of Postal and can't prove that the check was mailed on time. When u stated did not recieved XXXX statement, use their own policy about Postal service, it only applies to my checks to them not what they send out. There were 4 other companies that were sent checks in XX/XX/XXXX, they all recieved my checks except SPS. 
My mortgage was sold to this company, which i was powerless over and did not agree to. SPS is proven to be a " FEE '' based company to when i make a mistake or i can't control post service to their advantage. When they make a mistake, it's " ohh well " policy.
Product: Student loan

This is my third attempt to get information related to my payment from XXXX XXXX. 

For more than the last year my normal monthly payment has been {$370.00}. However my situation has changed due to divorce. XXXX is also a new servicer for my loans as the loans were transferred to them after I applied for the Public Service Loan Forgiveness program. My first attempt to re-certify an income driven repayment plan with XXXX was denied and I was informed that my payment would go to {$610.00}. Because my financial situation had changed I believed this had to be wrong. I resubmitted a second IDR request and after filing a complaint with CFPB, the second time it was approved, with communication that my payment would now be {$53.00}. 

There are two things that I would like to get explained ; First of all there are discrepancies with XXXX in what the companies web page says I have paid. The payment page indicates that the last payment I made was for {$140.00}. This is not correct. My bank statement and a downloaded payment history from XXXX indicate that I have paid the normal amount in full every month, including XX/XX/2018. {$370.00} was debited from my account in XX/XX/2018, so I need an explanation for why they say I only paid {$140.00} or if is an error I would like it corrected. 

Second, after being approved for and IDR and getting a letter that my payment was now {$53.00}, my payment for XXXX inexplicably changed to {$420.00}. I would like this explained. My ability to pay that amount as a single parent has become more challenging. I do not understand why this months payment would increase from {$370.00} to {$420.00}. If it was reduced from {$610.00} why only to this new amount of {$420.00}? Why did the amount not go down to the approved IDR payment of {$53.00}, or if it was to remain the " normal '' amount for the month of XXXX why is it not the {$370.00} I have been paying monthly for more than a year? If the {$420.00} is the correct payment amount then all I want is an explanation for why that is the case, but instead the company appears to be avoiding communication with me, forcing me to pay a higher than normal amount or be delinquent, which for me is not an option. I want to pay back my loans, but I also want to be treated fairly and to make payments that are reasonable based on my income. 

As I have said this is my third attempt to get these questions answered. Because of the nature of my job it is hard for me to call during business hours, so I have been trying to use the email feature provided by XXXX and have not so far seen any response. I did promptly get a letter within a week in the mail on approval of my IDR request indicating the new payment of {$53.00}, and it said that another mailing would arrive with more details. Several weeks have passed and I have not so far received another mailing. I do not understand why it is taking so long and all I want is a reasonable explanation of the payment and the discrepancies. I feel like the delayed explanation, poor communication, and other problems are deliberate and I no longer trust my service provider to treat me fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve an error in my credit report with Experian since XX/XX/XXXX. I returned and satisfied account # XXXX XXXX XXXX with XXXX in XX/XX/XXXX. I confirmed this with the creditor several times and Experian continued to resolve and keep the account open stating that XXXX reported it was still open, even after confirming with me that it was closed. Then they opened a previously closed account from XXXX. I submitted documentation that both accounts were closed and satisfied. On XX/XX/XXXX, they switched it to Repossession. The car was repossessed in XX/XX/XXXX but was returned after being paid in full. There is someone at the Experian agency that is messing with my file and I need guidance on how to resolve this issue.
Product: Debt collection

Please Help! This is not right! I have disputed this several time with XXXX, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at XXXX time it was and it had an original date of XXXX and they removed it. I am not sure what this is from. I read reviews on the company bad practices : Spring Oaks Capital LLC, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and XXXX is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with XXXX XXXX, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed XXXX dispute investigation. 

If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX days from the date we notified you that your dispute results were first available. 
If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. 
If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. 
Sincerely, Your XXXX  Support Team Please Help! This is not right!
Product: Credit reporting

I 'm a victim of identity theft and some XXXX try opening up lots of accounts in my name 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