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

Good evening, I have called Transunion and told them that the following inquiries are being reported inaccurately. 

I have never requested for these business ' to run my credit and I believe they are a result of Identity Theft. 

I have asked them to do an investigation, I have requested this over the phone and have even sent a letter certified mail ( which they do not respond to ) Please have them remove these inquiries : 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 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 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 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 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 Thank you. Please have them remove them. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act Moneylion has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM IF IDENTITY THEFT I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally demand the immediate removal of inaccurate and unverified accounts being reported on my credit report. The following accounts are not valid, have not been properly verified, or do not belong to me : 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 ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported and remove unverifiable or inaccurate items immediately ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently filed a formal complaint against Experian ( Case No. XXXX ), which identifies serious violations of the FCRA and other federal laws. These include : Failure to conduct reasonable reinvestigations of disputes. Experian relies excessively on automated responses from furnishers, even when responses are illogical or contradictory.

Failure to forward relevant consumer documentation to furnishers. Experian has routinely failed to provide the supporting evidence submitted by consumers to the furnishers of disputed accounts.

Use of inaccurate dispute codes. Experian frequently assigns dispute codes that mischaracterize the basis of consumer disputes, preventing proper resolution.

Failure to remove unverified information. Experian has continued reporting inaccurate or unverifiable accounts, even after reinvestigations failed to confirm the accuracy of the disputed information.

Improper reinsertion of previously deleted information. Experian has allowed deleted information to reappear on consumer reports without proper notice or certification from furnishers.

Given these findings, I demand that the above-listed accounts be immediately removed from my credit report. I also require written confirmation that these accounts have been deleted and assurance that no further unverified information will appear on my report.

I have enclosed copies of my ID, proof of address, and any supporting documentation for your reference.
Product: Debt collection

Midland Credit Management entered a contractual agreement to remove this account from my credit report in exchange for payment which was cashed by Midland Credit Management on XX/XX/2016. Henceforth, I am attaching a copy of the check which was cashed under the condition that the account was removed in entirety from all the credit bureaus the company has reported this account to. In the event that this company continues to refuse to remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses on my credit report which are wrong. I have sent a letter to the Credit bureaus asking them to remove all the wrong addresses and even provided them with my Drivers license and proof of address and my SSN card in order to verify my identity and support my request and still they have failed to remove the wrong addresses. I want to make sure that my actual address as shown on my driver license is the only one that shows on my credit report in order to protect my information from possible fraud. 
please help me in asking the credit bureaus to remove the wrong addresses
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens  ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Transunion, XXXX and XXXX has been breach and they exposed my information.
Product: Mortgage

Loan depot spent almost 3 months on a refinancing application, first promised approval by XXXX XXXX Then kept asking me for various documents which I submitted They said your loan is already approved we just need to do the appraisal and then we close there is no problem They went out an appraiser who wasnt qualified to do an appraisal and did inadequate job. Loan depot asked me to pay appraiser XXXX $ and then denied my loan I spent the whole weekend in tears because I spent XXXX $ for nothing and they devalued my house and denied my loan and refuse to refund my money
Product: Vehicle loan or lease

NMAC communicated I could buyout my lease upon expiration and provided a buyout amount on XX/XX/XXXX. A check in that amount was issued by my XXXX XXXX and received by XXXX on XX/XX/XXXX, but NMAC refused to cash because of an internal policy change, they claim, was not communicated to customers or the public. As a result, I was forced to revisit the dealership to prevent repossession of my car and buyout my lease for a higher price. 

Details can be found in my " complaint '' attached.
Product: Mortgage

I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX that is reporting negatively on my credit report and it is the fault of the bank and not me so therefore it should be removed from my credit report. The problem here is that, I had went to the bank and told them that I had to have a XXXX XXXX XXXX XXXX XXXX and I would be hospitalized for sometime so they told me to write them a letter and they would put the payments on hold until I could resume the payments. The bank never did what the had promised to do and went on to report the missed payments on my credit report, although I had given them the name of the loan officer ( XXXX XXXX ) who had advised me of the process that I must follow. After trying many times to get the bank manager, Mr XXXX XXXX to update the account to what it should be, I am now asking the credit report agencies to delete this derogatory item from my credit report. The bank manager, the XXXX, XXXX XXXX has refused to honor the banks agreement and told me via telephone conversation that if he fixed it, he would be reporting false information and would be in violation of the fair credit reporting act. So, it is very clear that this XXXX XXXX bank manager has no problem XXXX  up a customer credit, even though they were sick and helpless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been fraudulent defrauding XXXX XXXX XXXX and other agencies to obtain goods and services. I have reported it to XXXX  to the fraud department. The lady name is XXXX XXXX. XXXX XXXX bought a XXXX and XXXX financed it. She could not afford it. She filed bankruptcy. The XXXX was later repossessed after the Bankruptcy did not go through. She has filed false police reports and reports with the identitytheft.gov as if she has never own this XXXX and its fraud. She also obtained a loan with XXXX. She is in the city of XXXX encouraging people to defraud XXXX  and she can remove the debt off their credit report after they get the merchandise. This information has been reported to the FBI, Federal Trade Commission. She is filing false police reports to go get another car through the another financial institution with hopes of having good credit. XXXX  should be able to reinsert debt that was taken off due to pretending. I have attached proof of this lady. It will be forwarded to XXXX XXXX XXXX, XXXX XXXX, and the Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday XX/XX/XXXX, Experian reported changed information on my credit file regarding XXXX XXXXXXXX XXXX XXXX, partial account number XXXX .... ( see Exhibit B ) The change in information is perceived as a direct result of CFPB complaint XXXX against XXXX XXXX XXXX XXXX ( Exhibit E ) andXXXX against Experian ( Exhibit D ) .The problem and unfair damage to me is that the information was only partially corrected, the account now shows as paid.Yet the payment history shows unpaid from XX/XX/XXXX through XX/XX/XXXX ( see Exhibit B and C ) .The debt now showing paid was completely erroneous to begin with.The debt was a {$190.00} fee increased to {$250.00} tacked on to a paid auto loan after receipt of the clear title, a 48 month auto loan incepted in XX/XX/XXXX and title received in mid-XX/XX/XXXX.The credit reporting today is still inaccurate yet Experian refused online investigation today ( see Exhibit A ) .The account inaccurate, damaging and incomplete should now, based upon the preponderance of evidence, and after multiple 30 day investigations should be removed from my Experian report based upon protections afforded under the FCRA. 
Additionally the creditor who has been assessed amazing fines in the 100s of millions of dollars regarding malfeasance in auto lending should continue under scrutiny of the CFPB as their behavior noted continues.
Product: Mortgage

My loan is with FayServicing. My name is XXXX XXXX and my property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called on Monday XX/XX/XXXX to speak to someone on my options for payments on my delinquent loan. The customer service assistant recommended an informal repayment plan which would have worked with my budget and stated these have to be approved by management and that would take at least XXXX business days and they would get back to me to make the payment once that was completed as long as it was approved. I called back in on Monday XX/XX/XXXX that is the XXXX business day and was told that it was approved but since I didn't make the payment in XXXX I no longer qualified when they did not get back to me to let me know I was even approved and the only way to resolve the situation was to make a double payment of the repayment plan, which I would have had the full month of XXXX to make that second payment. Due to the Servicing company not getting back to me I feel I'm being punished and now my house is at risk of foreclosure. I also ask to be transferred to a XXXX which I was instead transferred to the managers voicemail. We'll see if they get back to me.
Product: Credit reporting or other personal consumer reports

dear equifax, I am a victim of the equifax data breach and I have inaccurate and fraudulent account remaining on my credit report. Please delete these inaccurate accounts from my consumer report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX 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 State a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open Consumer Credit plan as a late for any purpose.
Product: Checking or savings account

XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Via Fax XXXX Re : Claim Number : XXXX Account ending in : XXXX Amount : {$2100.00} To whom it may concern : On XX/XX/XXXX, my account was fraudulently hacked via a funds transfer in the amount of - {$2500.00}. I filed a claim, and on XX/XX/XXXX Bank of America issued an adjustment credit in the amount of XXXX. I was issued a new card, never used the card, and on XX/XX/XXXX my account was again fraudulently hacked via a funds transfer in the amount of - {$2100.00}. 

On XX/XX/XXXX, I subsequently received a Notice of Data Breach from XXXX XXXX of which I previously used the card ending in XXXX, stating that this event may impact the security of certain customer information ( See attached ). 

As a result, I filed several claims to have an adjustment credit and its been seven months and I am still waiting for my credit for XXXX. 

Please issue my credit at your earliest convenience. Thanks, I appreciate it Very truly yours, XXXX XXXX : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Enclosures XXXX XXXX Notice XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to dispute 2 accounts on my credit report but the information was not removed. XXXX XXXX XXXX obtained debt from the original creditor by purchasing debt for less than what I owe. 

XXXX XXXX XXXX did not validate debt properly and did not provide source of debt and how much they purchased the debt for from the original creditor. 

Balance is therefore not accurate
Product: Debt collection

ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments on my five year loan are not documented correctly. The five year loan began in XX/XX/XXXX and would end in XX/XX/XXXX. I missed three payments that I was told I could make up at the end of the loan period extending the loan three months which ended XX/XX/XXXX. The three payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Credit Acceptance Corporation shows on our credit report that we made 25 % of our payments late, Instead of showing three missed payments respectively. We never made 25 % of our payments late. For every month in XX/XX/XXXX it shows that we are 30-90 says late including the three extended months. Credit Acceptance sent me a document showing all months that payments were made on time. In addition, the document shows that the last three extended payments were made on time. Never on the credit report does it state three payments were missed and made up at the end of the loan period. The credit report states inaccurately that we made 25 % of our payments late, which would be after the XXXX of every month. Attached is the payment record from Credit Acceptance showing the dates of each payment. Credit Acceptance says XXXX  are responsible for the errors. Thank you.
Product: Mortgage

My husband and I have owed our home for a long time. In XXXX we refinanced our home with XXXX XXXX on a loan which was not explained to us and all we knew was is was an adjustable rate mortgage. Later our loan was sold to Wells Fargo. We were making our payments and everything seemed to be fine until our payment went from what was tight in the first place at {$1600.00} to over {$1900.00}! We called Wells Fargo several times to see why our loan payment went up but they would not return our phone calls. We looked at the impounds and it was not due to an impound shortage, it showed the payment went up because the interest was way up over 8.5 %, which did not make since as the fully index rate could not be that high. Our real estate agent looked over our papers and could not understand HOW a neg am could be at margin plus index and be over 8 % in this market. We tried to get a modification but BECAUSE WE HAD equity Wells would not work with us. I am sure a servicer is suppose to return a home owners phone calls which they did not, not until we were so behind in our payments that they sold our loan and did not inform us of the sale of our loan or who would be servicing it. We are now about to lose our home and the offer to us for a modification was still a rate over 8 %, We feel Wells Fargo should not be allow to continue servicing loans as they take advantage of ill informed consumers. In additional we understand that the neg am we have should have been modified by Wells Fargo but non of the consumers who were suppose to be modified due to a class action law suit never did due to a loop-hole in the settlement.. Wrong and unfair. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.