23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I can not believe Im still dealing with this. I have contacted you multiple times regarding the accounts on my credit report that are still in litigation, yet nothing has changed. These accounts should not even be impacting my credit, and the fact that they remain on my report despite my repeated attempts to correct this is unacceptable.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. 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 .This 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  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting

I am paying XXXX a month to CreditKarma for monitoring purposes, and I come to find out that they use a model known as " VantageScore 3.0 '' which actually nowhere near resembles what my actual FICO score is ; in fact, it 's actually grossly overinflated. I am not satisfied with their canned response that " it 's a different model. '' But should n't they be obligated to report my actual FICO score as they are branding their product with XXXX 's labeling? I am onfused as to what the best service is for continuous monitoring of my credit score. Thanks!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXXXXXX Balance : {$340.00}.
Product: Mortgage

On XX/XX/XXXX I called the mortgage companies, US BANK loan # XXXX {$53000.00} and XXXX XXXX XXXX XXXX XXXX loan # XXXX {$160000.00} and requested all of my signed loan documents as I noticed that in XX/XX/XXXX I requested a pay off amount for a possible refinance I found out that the mortgages amounts are the same or more as to when I first took the loan back in XXXX. Thirteen years of payment and no equity? This doesn't look right to me. 

To today 's date I have only received my loan documents from US BANK but not XXXX  ; I have been asking for a month an half for the loan documents to XXXX and they are unable to provide me with the documents. at this point I am not paying them until I get the documents. 

Please hel me resolve this matter and you can call me at XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$77.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$580.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original creditor : APP XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I HAVE ASKED FOR THE ( PHYSICAL CONTRACT BEARING MY SIGNATURE ) REQUIRED UNDER SECTION 609 FCRA. ALSO I HAVE ASKED FOR THE METHOD OF VERIFICATION IN WHICH THEY HAVE VERIFIED THIS ACCOUNT ( XXXX XXXX XXXX  ). THEY HAVE NOT PROVIDED THEIR METHOD OF VERIFICATION OR A CONTRACT AND IT HAS BEEN OVER 30 DAYS. 

INITIAL DISPUTE XX/XX/20
Product: Student loan

Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I made a post on XXXX XXXX attempting to sell an item. I received a message from someone I thought was a potential buyer who inquired regarding the price of the item and insisted on paying through XXXX. Having used XXXX regularly before without issue, I provided my XXXX information and then received what looked like a legitimate email from XXXX confirming that the money had been sent. After this, I began to receive a series of strange emails that I still thought were coming from XXXX that stated the buyer had paid an increased sum, first of {$1000.00}, then of {$2000.00} more, to " expand my account limit '' and turn my personal XXXX account into a business account since the transaction was for a larger sum ( {$500.00} ) and that I would need to refund the buyer and send screenshots confirming I had done so through either XXXX or XXXX XXXX  in order for the transaction to proceed and for me to receive the total amount of {$3500.00} that the buyer had paid to XXXX, which they told me was already credited to my account and would go through upon receiving the confirmation screenshots that I had completed the refunds. I refunded the buyer {$2000.00} of the {$3000.00} as that was all I had in my account at the time, but received no confirmation from XXXX as expected and did not have the funds credited to my account. I called XXXX and provided them the transaction numbers from the emails and was informed by the Customer Service agent that these emails were part of a XXXX scam and not actually coming from XXXX, and that they therefore could not help me. I attempted to contact both XXXX and Chase Bank, the bank I have my XXXX account set up through, to address this issue, and was never able to get ahold of a Customer Service agent for either service in spite of hours spent on hold. The only information I could find was a statement on XXXX 's website which said they were ultimately not responsible for such instances of fraud, although they have apparently become increasingly common. I threatened to report the buyer and receive a refund of the {$2000.00} I had sent her, and she continued to insist she had sent it and it would arrive, and still continues to do so, but I have not yet received any of this money back to date, nor do XXXX, XXXX, or XXXX seem willing to address the issues of fraud that have led to me losing this money. I have attached screenshots of everything, from the fake XXXX emails, to the XXXX screenshots from my end and the fake buyer, to our conversations over XXXX XXXX and my initial XXXX XXXX posting, to provide the complete picture of how exactly this scam occurred and resulted in this loss of money for me.
Product: Checking or savings account

On XXXX I open a 19 month XXXX. at U.S. Bank with {$100000.00} with a XXXX XXXX at their XXXX  XXXX, California office. 
The interest rate was 4.95 % and I made it clear I wanted interest income taxes taken out so I would not get hit hard at tax season. I filled out a W4 so this problem would not happen.

When I received my tax statement that first year everything was perfect... .the appropriate taxes were taken out. When I received my tax information this year I was horrified to see that the taxes were only taken out for a few month ... .leaving me with a lot of money owed this year for taxes. 
Upon calling the bank I got XXXX and was told they NEVER take taxes out of a XXXX... which was odd because they did it the first year. Upon further looking into this I got ahold of the banks manager XXXX who told me I filled out a W9 form in XX/XX/year> ... when I asked for a copy of this form I was denied access to it being sent to me. After calling customer service I received a copy without a problem. The bank Manager XXXX just wanted to give me a hard time it seems. 
When the bank sent me the W9 form ... after filing out the W4 ... I was told it had nothing to do with taxes ... .just a form because it was {$100000.00} we were dealing with. This bank lied to me and had no regard for my needs as their customer. You should be able to trust a bank to keep your money safe and they failed miserably. Not enough words to express my disappointment with U.S. Bank for failing to look out for my needs. I did not think I had to investigate what they told me... .obviously I did because they lied to me to do what was easiest for them. U. S. Bank totally disregarded my wishes and did not my keep my money safe ... .what a bank is suppose to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting Transunion to remove an old utility bill XXXX from XX/XX/2010 that does not supposed to appear after 7 years & they refuse to remove it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX REFERENCE # XXXX [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Equifax or Other Credit Bureau Name ] XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account XXXX XXXX. XXXX Dear Equifax, XXXX I am writing to formally dispute the accuracy of a collection account that has been reported on my credit file. After reviewing my credit report, I believe this account is inaccurate and should be removed. I am disputing this collection under 15 U.S.C. 1679c, which protects consumers from inaccurate reporting, and request its removal from my credit file. The disputed collection details are as follows : Creditor Name/Collection Agency : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$500.00} I am asserting that this collection account is incorrect for the following reasons ( please specify why the collection is not valid or inaccurate, such as " it was never my debt, '' " it was already paid off, '' or " the debt was settled and not reported correctly '' ). Under 15 U.S.C. 1679c, if the debt is not valid or the collection is improperly reported, it should be removed. I am requesting that you investigate this account, and if the debt can not be properly verified, it must be removed from my credit file. Please conduct your investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and inform me of the results. If you find that this account can not be verified or is otherwise incorrect, I request that you immediately remove it from my credit report. Attached are any relevant documents supporting my dispute ( e.g., payment records, settlement agreements, or proof of non-ownership ). I look forward to your prompt response to this dispute and expect your reply within the XXXX time frame mandated by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize these inquiries with XXXX XXXX inquired on XX/XX/10.2018. 

Several - over 15 addresses were listed that were NOT mine and addresses I never lived at. Someone tried to use my name and information and apply for credit cards. Many hard inquiries were pulled and my name was listed incorrectly with an incorrect phone number I've never had. 

I called the credit bureaus and lenders to fix and put a freeze on all my accounts. I've ordered all new credit cards and filed a police report.
Product: Credit reporting or other personal consumer reports

There are over 35 hard inquiries on my report I did not authorize.
Product: Mortgage

Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX XXXX # XXXX - reported on XXXX Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / TransUnion This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX XXXX & TransUnion 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi I set up a transfer few hours ago and got an email that that my account was deactivated. 

I had substantial history with the company and never had this problem before. 
During the transaction the company changed the exchange rate so the amount equaled in XXXX  XXXX  The transaction number ends with a XXXX  Then company sent me two verification codes both with 38 In my birth country the year of birth on my passport is XXXX  I then asked the company why it was sending the same numbers as this is an Iranian discrimination and harm method and the company said it was my bank doing it so it lied because the codes were sent by the comapny and the figures pertain to the app This company did not deliver the pending transaction I got on the chat from my other account, and the customer service agent would not help me and provided irrelevant information I suspect this company is Iranian realted or I am being harmed on purpose by this company Why is this company suported by CFPB and the united staets of america Please request from this company 1 ) why my transaction was not delivered on time, 2 ) why it changed the exchage rate in the middle of transaction, XXXX ) why it deactivated me account, XXXX ) why it would not delete my personal information and accounts when asked, XXXX ) and to provide all my prior transaction information since my account is deactivated, XXXX ) to delete my accounts and personal information