23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I contacted Select Portfolio Servicing regarding forced insurance and balloon payment that was placed on the back of my loan. I requested documents regarding the original modification. I requested information regarding for the forced place insurance and was never informed by letter regarding the forced place insurance being placed on my loan. I requested the letter regarding the forced place insurance and have yet to receive that information. I was advised that they would have to research to locate documents. I made the attempt to refinance property to make major repairs to the dwelling however I was denied due to the appraisal value of the home being XXXX which is lower than what my payoff amount of XXXX not including an undisclosed balloon payment amount that I have yet to get information on. My current interest rate is over 6 %. On XX/XX/XXXX, We have attempted to sell our home and requested a reduction in payoff for XXXX. I was advised on XX/XX/XXXX that the request for reduction was denied due to the mortgage not being 90 days past due. We have received multiple offers for XXXX for the property. I feel that is unfair and unjust that I have made my payments on time with my failing health and my age, I feel that my lender is taking advantage of me and my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two addresses listed. I do not live in XXXX. Please delete the wrong address. Thank you.
Product: Credit reporting or other personal consumer reports

I have disputed this account : XXXX XXXX XXXX XXXX XXXX XXXX Please help me to update the inaccuracy report from my file. I contacted the bureaus and should be removed but I could not get any help. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX It also states a consumer reporting agency can not furnish a account without written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nc XXXX XX/XX/year> 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear 1st Franklin Financial, Im writing to dispute incorrect information on my credit report. Specifically : Account Name/Number : XXXX you can find the account using XXXX Issue : This account contains inaccurate information that does not reflect my true credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and request a thorough investigation. 

Please investigate this matter and correct or remove the inaccurate information. My information was compromised doing a data breach Id appreciate confirmation once the issue is resolved. XXXX give you five days to rectify the situation under section 6 0 5 B, or Ill be forced to pursue legal action for damages. Due to your negligence in adhering to compliance requirements, Ive been denied credit cards, auto loans, etc. 

Thank you for addressing this promptly. 

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

I sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance starting XX/XX/2016 to XX/XX/2016. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/2016 thru XX/XX/2016. XXXX XXXX can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settl XXXX XXXX XXXX 
Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$24000.00} written off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I reported a error to Transunion. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called XXXX and had a letter in my hand within a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

XXXX is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for smith and rouchin to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with smith and Rouchin nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX XXXX FL XXXX * ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX No phone # Date : XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX twice ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, or XXXX was hit twice Date XX/XX/XXXX XX/XX/XXXX should of only been hit once
Product: Money transfer, virtual currency, or money service

I have attached all the letters I sent to the company, also the first one is for you. in the letters I attached you can see the date I sent out a complaint to the company and also the amounts and everything you ask above. Thank you for your help in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by XXXX to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on uber. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with XXXX and TruckMAXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they XXXX, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY XXXXREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

About {$1500.00}. XXXX owes me they have. Blocked my contact nunber from calling them they have blocked my account and wont allow me get my money out
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Under federal law, Transunion had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. stating that your investigation was complete and the items listed were Verified. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. The information was not supplied in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Bank of America Credit Card and XXXX Credit Card, n 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 XXXX purpose.
Product: Debt collection

A new collection appeared on my credit report for {$110.00} listed as Law Offices MBA. This collection is from a hospital bill, that was already sent to collections and already listed in my credit report under a different name and for a different amount. The other amount it's listed as is {$770.00} instead of {$110.00}. Theyre sending the same medical bill to collections as multiple bills under multiple names and multiple amounts. The collection for {$770.00} they sent is on my XXXX report and doesn't show a account name, only an amount of {$770.00}. Both of these collections are from the same hospital visit but they're sending multiple collections and different amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and Citi Cards put an unauthorized inquiry on my report XX/XX/19. I did not authorize this, nor did I apply for a line of credit with Citi Cards. I am not sure how they retained my information, but I am 100 % I am not responsible for that inquiry.
Product: Credit card

Back in XXXX i filed a complaint with Discover Card over a series of charges from XXXX XXXX on my credit card. I don't use XXXX XXXX. I don't have XXXX XXXX charges, it kept happening and kept asking for details and please make it stop. They kept investigating and said they would get back to me but never got me an answer for what the charges were for and placed the charges back on my account. I went through this with them a few times in XXXX again and again. 

Discover card claims on multiple different methods but even the chat representative : " You are never responsible for unauthorized purchases on your Discover card. '' But they cant tell me what those unauthorized charges were and just charge me. 

I got this message today from their service representative : Hello! I'm XXXX, a live agent in our Illinois location. I'd be more than happy to help you today! Thank you for being such a loyal Card member with Discover, we surely appreciate you! I understand you are frustrated as you mentioned you have been getting charges that your don't recognize. You are never responsible for unauthorized purchases on your Discover card. Have you been able to speak with our security team so we can flag these transactions?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a very frustrating and extremely damaging experience with XXXX XXXX  XXXX  Reporting affiliated with XXXX XXXX XXXX XXXX Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX points. 
On XX/XX/2021, I received an email notification from XXXX that my credit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found XXXX XXXX had reported that my XXXX XXXX XXXX card was over 30 days past due. Given that I have this payment set up automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. 
Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, XXXX did not notify me timely about the first missed payment in XXXX. Had XXXX notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. 
Moreover, XXXX can see that my payment record is flawless except for your unnecessary report. 
I called three different dispute numbers listed on the XXXX website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the XXXX Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX XXXX {$90.00}, XXXXXXXX XXXX Account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I was filing this complaint because i have been a loyal customer for many years. I feel i was not treated fairly about my account and it was done wrong. I feel like a title loan is not a personal loan are two different things. I was talk to rudely by the manager when i told him that i was trying to pay. He refuse to sell the car to my daughter which the account was in my name and i told him i was willing to pay him XXXX a month because i am disable and get one income. My daughter is in college and needed the car. He argued to me that she could not get the car but sold it for XXXX when he would not take my daughter money. I think that was wrong and very distaste for to do to the customer. I want to settle on this account and have it closed and removed off my credit for XXXX. I will like my account to come to current. zero payments missed and i can start making my payments at XXXX a month before the XXXX of each month. I would love to continue to do business with this company if this account can be took care of. I have honored this company with my business please take of this as soon as possible because i think one of the best policies is to treat customers like you want to be treated not XXXX.