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

Serveral times I have filed a complaints about Transunion reporting fraudulent inquiries on my report. I have filed disputes with them to get them removed, also filed complaints with XXXX see complaint # XXXX and complaint # XXXX, in the response to those complaints they responded that would delete them and send me a new report. They never deloted them or send me a new report showing that they have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion 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 or other personal consumer reports

Please check the information concerning the Equifax data breach below is attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attaching a letter and evidence to resolve this issue before filling court lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXX XXXX XXXX : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed off the largest of my student loans in full on XX/XX/2020 after negotiating that XXXX XXXX XXXX ( the debt collector for XXXX XXXX have the account completely removed from my credit within 2 reporting dates. They claimed to have submitted the files but there has been no report on my credit to ANY of the beauros, we're now going into XXXX and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX, XXXX, and XXXX of XXXX  I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to Equifax, XXXX and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Product: Student loan

On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.
Product: Vehicle loan or lease

The following accounts are being reported with late payments, despite all payments being made on time, in full, and on the respective due dates : XXXX XXXX XXXXs Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The late fees charged by XXXX XXXX XXXX and the reporting of late payments in my consumer report are false and misleading. These errors have caused significant damage to my reputation, character, and overall quality of life, as well as affected my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to XXXX U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
5. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, LA XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX 9. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
10. there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Mortgage

My husband XXXX XXXX and I didnt receive a proper notice, my XXXX XXXX XXXX has XXXX illness, that reason why The was behind for three months due to his condition, and struggles to pay the mortgage, XXXX XXXX is the kind of community property interest holder, I did not given a chance to fight in the court, I am legally authorized of XXXX XXXX property, we been married for XXXXyrs, Yes the loan I was not included my names but is the community property, but the land is both our names, I was paying the bills as a taxes of the house, this our community togetherness of My husband XXXX XXXX, the Vanderbilt morgage company is excuses the want the house so they can sold below the market value, and put the balance of the loan to me, that they didnt given me a chance to negotiate to take over the loan, now I become a homeless due to thier negligence for this business practices, I can take over the payment so but they didnt given me a chance, me and husband paying the mortgage for 20yrs for the interest of XXXX percent, they already get back the amount of money for loan XXXX home, on our difecult time they can not make exception to us, the loan leaf is only 5yrs now to be paid, they dont one even given me a resolution, my families super right now stressful life because no home. When I find out there a default Judgment of my husband on XX/XX/2019 : even he already passed away, I file the motion set aside default judgments, and the judge told me is late now because is out of jurisdiction, how could be I just find out, the judge never ask when I found out the defecult judgments, XX/XX/2019 know about it, our court system/ justice systems is not fairness to the consumer, they favor more in a big corporation because of the donations of thier compaign contribution, they dont care about us, super with no home he never looked at the our situation, or maybe if can afford the lawyer I file lawsuit, but can not right now I can justify, if I can not given me chance it easy for them to place the default Judgment on my land so I will super more, they already take away my home I become homeless right now. Pls help me to resolve this situation is very unfair to me., I am authorized of my Husband property is  community property I am intitle of all next kein,
Product: Mortgage

For the past two years, I 've been trying to resolve a payment issue with Green Tree Servicing LLC. Green Tree continues to state that I 'm past due when I made good faith attempts to research the payment in question and made payment arrangements. Green Tree does not acknowledge the fact that payments were received and credited as a result of the payment arrangement. In addition, I was advised to send a specific amount that was past due. A certified letter was sent XXXX XXXX, 2014 and the past due amount of {$840.00} was sent to bring the account to a current status. I thought it was resolved and current based on the information provided only to receive additional letters stating that the account is past due. How is that accurate when a bank representative sent a letter with the amount that was due? I do not want to be held responsible for a banking error or mistake. Green Tree should acknowledge it, be responsible and held accountable. Also, Green Tree felt it was necessary to refer to all the correspondence sent between the XXXX of us and re-read them as they continue to stand by their responses. I noticed that I had a copy of another Customer 's letter in my packet. I have the customer 's name, address, phone, account number, email addresses, and nature of their inquiry. I think this is a private and sensitive matter. The careless act of including another customer 's correspondence is a serious matter that requires immediate attention as I continue to question Green Tree 's data integrity and commitment to quality service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX. 
Employment should be : XXXX. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Information. Research XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Checking or savings account

XX/XX/2021 - {$2500.00} XXXX {$1800.00} Those funds fully posted on my account those days and now my account is locked and Citibank says they can't give me my money because my number is registered. That doesn't make sense. My phone is in my name. They also said it has to be a number on my public records. This is absurd. I want my money and the account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Is not reporting on this account XXXX - Account Name - XXXX XXXX - XXXX Transunion - Account Name - XXXX XXXX - XXXX XXXX is reporting the account name as XXXX XXXX. Transunion is reporting the account name as XXXX. XXXX is reporting the Agency name as XXXX XXXX XXXX Transunion is reporting the Agency name as XXXX XXXX. They failed to verify the debt within the 30 days of me requesting for the verification. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXXs reporting the status of the account 120 Days late twice, XXXX is reporting the status of the account as 180 Days late, and Transunion does not report the status of the account. 
This account is being reported with a different date of activity date and continuously being updated amongst each credit bureau and is not properly verified or consistent. XXXX is reporting the last date of activity as XX/XX/XXXX, XXXX is not reporting the last date of activity, and Transunion is reporting the last date of activity as XX/XX/XXXX. 
This is negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

XXXX, XXXX and Transunion reported late payments that they failed to verify. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has reported as having late payments in my credit report. I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations. I demand that these above mentioned derogatory items be permanently removed from my credit report. In accordance with the fair credit Reporting act XXXX XXXX and 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance refuse to adequately report monthly payments to ALL credit bureaus which lowers the consumers credit score and make it difficult to refinance away from this company. I have contacted the company more than 10 times respectfully requesting them to report, AND update my credit reporting by submitting on time payments. This is the list of missing payments. 

XXXX Monthly Missing Payments : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Monthly Missing Payments : XXXX, XXXX, XXXX ONCE again please report payments to ALL credit bureaus. What Selene Finance does is send a lengthy letter explaining the history of my mortgage and NEVER correct the reporting. This is hindering my score to improve which enables me from refinancing. If this continues to damage my credit score I will have no choice but to seek assistance legally. I can not refinance with this negative reporting. So unfair to a consumer..
Product: Mortgage

Loan # XXXXIn reference to the above account and my refinancing under HARP. I started this process in XXXX 2015 by going to my local branch and calling and speaking to Chase agents on telephone..where I was ultimately told at all times that it was not possible to refinance my 30 year loan to a 15 year under HARP. I had to write a letter of complaint, before Chase would respond to my request. Their response was to send me several letters stating that they were " researching the issue '' .. ( I attached XXXX of those letters to this complaint ). It took Chase over 4 months to process my request for a refinancing and in the interim, interest rates rose substantially. As a result on the delay on the part of Chase, I am requesting that Chase offer me a lower " discounted '' interest rate than the 4 % rate currently allocated to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late
Product: Credit card or prepaid card

I got the new Synchrony XXXX credit card in XXXX and earned {$960.00} in rewards for purchases with their double cash promo and they closed my account and will not give me the rewards. They said I was a risk for not paying my bill but I only owed {$69.00} at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Product: Debt collection

XXXX opened two accounts at same address. I paid XXXX and indicated to them several times I did not want 2 accounts servicing the same address. They continued to send me bills and then sent me to collections.