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

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, Equifax and XXXX  on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from Equifax on this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) Dear Equifax, I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX via Equifax several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely,
Product: Mortgage

On XX/XX/XXXX I mailed a letter my mortgage lender, Nationstar Mortgage, requesting removal of PMI ( mortgage insurance ) cancellation as my home has reached below 80 % loan to value ratio. On XX/XX/XXXX, I received a letter from Nationstar XXXX that my correspondence was received and would be responded to in " less than ten days '' ... " no later than XX/XX/XXXX ''. On XXXX XXXX, I received a letter postmarked XXXX XXXX but dated XX/XX/XXXX stating on XXXX XXXX, XXXX they " submitted a request to our Private Mortgage Insurance ( PMI ) Department for MI removal ... dedicision which can take up to seven ( 7 ) to ten ( 10 ) business days. '' As of today, XXXX XXXX, XXXX, I have not received this letter. I have left several voicemail messages for Nationstar at the numbers they provide on the letters and have received no call back.
Product: Credit reporting or other personal consumer reports

I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, XXXX did I have any contract with them or neither do I have any signed agreement with this company. They are billing me for {$XXXX} dollars on my credit report. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT THIS IS A FRAUGLENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.
Product: Debt collection

I have no knowledge of the debt. They sent sent a link by email to view documents with name of XXXX XXXX with no signatures. It has recently been added to my credit report. The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX. Current creditor is XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accoraance with ine Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX, I purchased pants from this scammer using the brand store name called XXXX on XXXX in the amount of {$120.00}. I never received the item, the scammer never responded to my message on XXXX, theres no customer service or phone number provided on the scam website; therefore I opened the dispute with CitiBank credit card I used to pay this scammer on XX/XX/XXXX. On XX/XX/XXXX, the CitiBank credit card concluded that was my responsibility and reversed conditional credit of {$120.00} on the same date without verifying the tracking number of the item or the proof of delivery. I was provided the letter stating that the dispute was closed and it stated that the merchants response was included but theres no merchants response included in the letter or they didnt provide any information of tracking number or delivery confirmation ; nevertheless they have decided that it was my responsibility and charged {$120.00} back approximately on XX/XX/XXXX. I was trying to obtain the evidence of this fake store and upon checking our conversation on XXXX, i realized that the scammer changed their fake store from XXXX to XXXX I provided all these information to Citibank, and I requested wheres the tracking number for the delivery confirmation or merchants response, they never provided me all of these information and still charged me {$120.00} as of today for the purchase from the scam store that doesnt even exist. I wonder what did they invest if they concluded that was my responsibility without tracking number or delivery information. I need my {$120.00} back that was never delivered from the beginning as the merchant was a scammer and never intended to deliver anything. I also checked upon the squire pay receipt and it had an address and when i checked the address, it was not even store but was a single family home. How could Citibank doesnt know if they did their investigation? Questions are arisen What kind of investigation did they do?
Product: Debt collection

A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint to address inaccuracies on my credit report and the inadequate handling of my disputes by the credit reporting agencies and Navy Federal Credit Union. 

1. Inaccurate Reporting of Late Payment : My credit report incorrectly states that I was 30 days late in XX/XX/year> on my Navy Federal Credit Union account, while the reports for XXXX and XX/XX/year> indicate on-time payments. This discrepancy suggests an error in the reporting. Under 15 U.S.C. 1666b, creditors must ensure accurate reporting of late payments. I have disputed this with the credit reporting agencies twice and requested an investigation. To date, I have not received a thorough response or any documentation to substantiate the late payment claim. This incorrect reporting negatively impacts my credit profile. I request immediate correction to reflect on-time payment for XX/XX/year>. 

2. Discrepancies in High Balance and Credit Limit Reporting : Navy Federal Credit Union adjusted the high balance on my account but failed to update the credit limit to reflect its reduction to {$500.00}. As a result, my report inaccurately shows that I exceeded my credit limit. This error directly affects my creditworthiness and debt-to-credit ratio. Additionally, the last payment dates and balances vary across the three major credit bureaus, highlighting further inconsistencies in reporting. 

3. Erroneous Payment Amount Reported : My credit reports state that I made a {$1100.00} payment on XX/XX/year>. However, my bank records confirm payments of {$200.00} on XX/XX/year>, and {$73.00} on XX/XX/year>. If the {$1100.00} payment were accurate, my balance would be XXXX or significantly reduced. Instead, my balance remains over the credit limit. This misreporting raises questions about the accuracy of the data provided by Navy Federal. 

Attachments : XXXX, XXXX, and XXXX credit reports highlighting the inaccuracies. 
Bank records showing the actual payment amounts made on XX/XX/XXXX and XXXXXXXX XXXX 
Request for Relief : I demand the following actions : Immediate correction of the late payment reported for XX/XX/year> to " on-time. '' Update the credit limit on all credit reports to reflect the {$500.00} limit as of the adjustment date. 
Provide documentation to support the claim of a {$1100.00} payment or adjust the reports to accurately reflect the payments made. 
Rectify all discrepancies in payment history, balances, and credit limits across the three credit bureaus. 

Failure to address these issues promptly will leave me no choice but to seek legal action to ensure compliance with federal law and protect my credit profile. 

Thank you for your immediate attention to these matters. I expect a timely resolution. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$1700.00} 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX CFPB : Due to the hacking of the XXXX XXXX XXXX XXXX XXXX at Equifax, XXXX, XXXX, and subsequently, I want XXXX to use the Highest Credit Score that it has calculated for me, rather than any Middle Score, for my recent, XXXX, Mortgage Loan Pre-Qualification. 
XXXX XXXX, XXXX, I applied for XXXX Mortgage Refinancing for my XXXX ARM Loan XXXX, for which my XXXX-calculated Credit Score was about XXXX. 
XXXX XXXX, XXXX, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package for my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, XXXX ( XXXX ) days BEFORE my scheduled XXXX XXXX, XXXX, XXXX PM, Closing at XXXX XXXX. 
XXXX XXXX, XXXX, XXXX XXXX XXXX conducted a Walk-Through Appraisal. He entered his determinations into his laptop computer and said that his Appraisal was for {$260000.00}. He then transmitted his computer 's information to XXXX. That day, XXXX represented to my XXXX XXXX XXXX XXXXXXXX, that it had Closed on my Refinancing Package. XXXX sent me Revised Declarations for my Homeowner 's Policy XXXX, with XXXX as XXXX XXXX, for my {$120000.00} First Mortgage, and as XXXX XXXX, for my {$50000.00} HELOC ( Application # XXXX ) Second Mortgage. I received the Revised Declarations, via XXXX XXXX Mail, by XXXX XXXX, XXXX. XXXX would not have sent them merely upon the Refinancing Package Approval, but, only after the Closing, that is, after my Refinancing Package had been legally FINALIZED. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me a reminder of the Scheduled Closing at XXXX XXXX the following day, XXXX XXXX, XXXX, XXXX PM. I arrived there by XXXX XXXX, XXXX XXXX, XXXX. 
I continue to assert my federal civil right to review my XXXX for my XXXX XXXX, XXXX, Refinancing Application. 
I want XXXX to use the Highest Credit Score that it has calculated for me, for my recent, XXXX, Mortgage Loan Pre-Qualification. 


Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX Box XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Bank of America. This account was discharged in bankruptcy but is reported as open with an outstanding balance. 

XXXX XXXX XXXX XXXX. I paid this account off, but the pay status lists the account as charged off. Check the Activity Designator and Comments fields. These XXXX fields show the account as paid. 

XXXX. The balance on this account is inaccurate. This is an auto loan account, and the automobile was repossessed. I voluntarily turned this car in. XXXX sold the car but did not credit my account and update the balance. 

XXXX XXXX XXXX. I did not apply for a loan with this company. The credit inquiry is illegal and must be removed.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX. This account does NOT belong to me.
Product: Credit card or prepaid card

I was purchasing impact windows from XXXX and was going to put the balance on my Visa but the salesperson told me I could get a XXXX credit card which would be better. I applied for the card and was told I could have the payment taken out auto withdrawal. I thought this was better because I would never be late with a payment. A few times I even made an additional payment to try and pay off the balance sooner. I was not told that I had to pay this in a certain amount of time. I thought I was paying my bill monthly and on time. I noticed that the payment increased and just thought that after a certain time frame the payment increased but still continued. I did not question it because I thought it was like my other credit cards and just continued the auto withdrawal. I work nights and go to school so I didn't think to investigate the increase. Tonight I looked at the statement and wondered why the total was so high. After looking at the previous statements I noticed in XX/XX/XXXX they charged me over {$5000.00}. I called the customer care who said it was too late. I explained the situation to the manager " XXXX '' who said they couldn't do anything. I'm still dealing with my damaged windows ( not one complaint ), and they want to rob me of an additional {$5000.00}? I'm absolutely horrified! I will never be able to pay this off. It's ridiculous. I should owe around {$7000.00}. I'm upset and afraid this will lower my credit rating. I thought I was paying my bill like I should. I wish I never listened to the salesperson who said this was a better deal. The credit card is from Synchrony Bank. Now after investigating, I see that this is what they do. They are loan sharks. XXXX was scripted and incapable of any emotion or compassion.