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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item 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 you responsible for your 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent information to Equifax, asking them to remove the extended fraud alert so I can receive promotional offers, Equifax which the company I sent information to, forvas a copy of driver license, proif of residence, and copy of ss card and thenconfirmation number, plus a letter stating that i wanted tge fraud alert lifted do i can receive offers. I sent the information certified and also called Equifax and asked them did they receive the information and they stated yes, i was given a confirmation number and as of today, as i applied for credit, it still shows a fraud alert on my credit report. Equifax is not cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear TransUnion, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I received a call from Navient claiming that I did not make my XX/XX/XXXX payment. I pay my student loan bill EVERY MONTH between the XXXX and the XXXX of the month, and have not missed a payment since I began my payback in XXXX. I sent them a copy of my bank statement to prove that I did, indeed, make this payment, and I was told they would get back to me. I then got another call more than a week later claiming that I also did not make my XXXX payment ( which was sent by my bank on XX/XX/XXXX ). After calling AND emailing them my proof of payments, they came back by saying they were going to investigate what happened to my payment. It turns out that the XXXX payment ended up being applied to my daughter 's student loan ; however, it was not the loan that I co-signed for her. It was ANOTHER of her loans that did not even have my name affiliated with it. While they retroactively applied the payment to my XXXX bill, they are still claiming I never paid in XX/XX/XXXX. In the midst of this issue, Navient sent me a XXXX payment history, which I checked against my bank statements. I discovered that I was never credited for my XX/XX/XXXX payment at all. I sent them proof of payment and asked why they never claimed that I was late for XXXX. I would have sent the proof back then if they had made that claim. Instead, they took my money and did not credit me at all. So out of the past four months, this has been the issue : XXXX they were paid, yet I was not credited ( sent proof of payment ) XXXX no issues XXXX claimed I did not pay ; they had credited it to one of my daughter 's loans and not mine XXXX claimed I did not pay and have not corrected the error as of yet. 
I am going to have to go back to XXXX to double check each and every payment to see whether or not I was credited accordingly.
Product: Mortgage

Hello I am writing to you inreguards to my mortgage., XXXX XXXX i filed a XXXX XXXX to stop a forcloser, And now they are forclosing on my home again. I just recived papers from there Lawyer just 2 days ago, The plans they put togather for me to pay back the rears pluse monthly payments were to much for me to pay a monthly, with all the other monthly bills I was paying bankruptcy XXXX XXXX for thee months -and then XXXX the XXXX of month and then XXXX at the end of month plus my monthly mortgage payment, so iam on XXXX is just not enough money, so i am asking for your help with this i have a XXXX XXXX and other XXXX it all just to much, and as well inflation gas food everthing else it just to much it si even harder now Thank You
Product: Credit reporting or other personal consumer reports

I BELIEVE I AM VICTIM OF ID THEFT PURSUANT TO SECTION 605B, PLEASE REMOVE THESE INQUIRIES FROM MY REPORT
Product: Debt collection

SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$450.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance {$46.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00} **Inquiries** XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage was paid in advance through the month of XXXX and when we went to pay the XXXX mortgage we were told not only was the XXXX amount not paid but that also we owed an additional {$800.00} per month starting XXXX. Mortgage amount was {$1600.00}, and they now state it is {$2400.00} per month. We were not notified that this change would be happening until after it already happened. In addition, they initially refused to apply my payment I had already made to the premium for XXXX until after I notified them that I would be filing complaint against them. 
They are stating the amount owed is over a year old and they are just now discovering this. Per their verbiage used they are treating us like we are default on old payments, when in fact we were ahead. 
This company texts/calls/emails us on an almost daily basis because they see we have a lot of equity in our home, and they are trying to get us to refinance with them or purchase another property using the equity. We feel this " owed balance '' is an attempt to get us to default on the mortgage. We happen to be fortunate enough to have the money to cover the difference until it can be resolved but we know if they do this to us, they do this to others who can not afford it.
Product: Student loan

Questionable debt collecting agency XXXX Sunrise Credit Services XXXX Inc XXXX overcharging my account ( just added {$8800.00} to a pre-existing amount without explanations XXXX and withholding my tax form XXXX for 3 consecutive years since they starting collecting the debt. Is this company legit? Are they evading taxes? Something feels very wrong about this agency ... Thank you for your attention.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. My report reflects inaccurate collections and charge-offs, including XXXX ( XXXX, {$5200.00} ), XXXX ( XXXX, {$810.00} ), XXXX  ( XXXX, {$160.00} ), and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$720.00} ). These errors must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bank of America credit card appears in my credit report and does not belong to me. 
the account belongs to someone who has my same birthday and almost same name I have already obtained a police report and an affidavit of identity theft victim which I will be happy to submit to you Other items have been removed from my credit report who belong to the same person of the Bank of America credit card. 

I contacted Bank of America and they couldn't help me. 

Please assist me so Bank of America stops reporting such credit card in my credit report thank you.
Product: Student loan

On XX/XX/year> my monthly student loan payment was taken out of my account via autopay in the amount of {$450.00} through the company MOHELA. On XX/XX/year> I was notified my account was past due despite having the money taken out on the exact due date. I called them on XX/XX/year> and sent them a statement of my bank account listing the money they took out. I was sent a statement from them saying they were researching the matter. I have called them on XX/XX/year> and XX/XX/year> being on hold for XXXX hour at a time and despite them saying theyre looking into the matter and can see I paid my bill it has not reflected in my account and I am getting emails from them saying my payment is past due. I called them yesterday ( XX/XX/year> ) and did not receive a call back despite requesting one from their automated service. This has been over a month now of me having to continually reach out to them with zero guidance on what is going on with this issue. I now have less than 60 days now before a payment I made is reported as past due to the Federal Credit Bureau which would negatively affect my credit score as they report anything 90 days past due them.
Product: Credit card

Received preapproval from capital one venture one rewards card With no hard inquiry approved. 
Received notification I was approved and accepted offer under the guise of no Hard inquiry on my credit report, which I am still trying to build even though its XXXX I should say. Immediately was notified by my XXXX XXXX account and XXXX XXXX that Capital One did a hard inquiry dropping my credit score immediately, and putting a XXXX mark on my hard inquiry section of credit report. I have been a Capital One Credit Card holder for several years now and Already have the Quicksilver one card. I dont know why Capital One decided to do a hard inquiry, even though they said they were not going to and I was preapproved plus, I already have a Capital One card. I want this to be removed immediately since it was false/misleading advertising on the companies behalf.
Product: Credit reporting or other personal consumer reports

Experian keep saying that account is verified as accurate and thats incorrect. Incorrect and Inaccurate information must be deleted according to the FCRA. This is an ongoing issue. This Child Support order information is completely misleading. What is unacceptable is that they continue reporting that they confirm information with the creditor but thats not true at all. I have the information from the creditor and its not even close of what Experian is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in 2020, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX credit Dept that will confirm there were NEVER 60 day late payments made in 2020 for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.
Product: Mortgage

I invest in rental properties in addition to working a full-time job. I own several of the properties, but have mortgages on some. My mortgage and/or mortgage loan servicing rights were acquired by Loancare on  XXXX/XXXX/17. I was unaware that Loancare was servicing my mortgage until I noticed that my mortgage payment was not being deducted from my bank account. Loancare sent the paperwork to an old address or the rental property itself and made no further attempts it seems to contact me. My phone number has not changed since I acquired my first cell phone over ten years ago and before I ever had any mortgage. Rather than contacting me Loancare directed their efforts to sending someone to the rental property and confirming that it was still there. Oh, and assessed me a fee for doing so. I immediately made my mortgage current after learning that there was a payment due and two payments past due. I incurred late fees and my credit was negatively affected before I uncovered Loancare 's negligence. I attempted to have the negative marks on my credit removed by Loancare to no avail. I was given the e-mail address to customer support who has yet to even respond other than the automated response I received confirming customer support 's receipt of my e-mail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate correction of inaccuracies in my credit report due to Experian 's failure to conduct a proper investigation regarding the reporting of late payments by XXXX XXXX XXXX. Despite providing substantial evidence to Experian, as well as XXXX and XXXX, demonstrating XXXX XXXX 's reporting errors, the inaccurate late payment remains on my credit report. 

As a consumer, I relied on Experian to conduct a thorough and fair investigation upon my dispute submission, which included detailed documents substantiating my claim. However, your failure to fulfill this duty has caused significant harm to my creditworthiness and financial standing. This matter has now escalated to the Federal Courthouse due to XXXX XXXX 's reporting errors and your agency 's non-compliance with its investigative obligations. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a case against Experian for failing to investigate consumer disputes adequately. Given the precedent set by the CFPB 's actions, I am entitled to have my credit report corrected immediately, reflecting the accurate payment history and removing the erroneous late payment entry. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Experian take the following actions within 30 days of this letter : Conduct a thorough and complete reinvestigation of my dispute with XXXX XXXX XXXX. 

Provide a written response detailing the investigation results and any corrections made. 

Remove the inaccurate late payment notation from my credit report across all reporting bureaus. 

Failure to take appropriate action will leave me no choice but to seek further legal remedies to protect my rights as a consumer. 

I appreciate your prompt attention to this matter and expect a response confirming the resolution of this issue. Please contact me at your earliest convenience should you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

The car was 5 time what the car was worth. This was a predictor loan and the company went out of business and a new company created a new contract that I didnt agree with the new terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Equifax via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Equifax credit report XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.