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

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX  Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth.

A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My sister and I are XXXX and somehow our credit scores are merged. We have similar names and have worked at similar locations, lived in the same home and attended the same schools. I am currently married, trying to find a house and purchase a car in the next few years, but her credit card and student loans are negatively affecting my credit score and preventing me from doing anything. The credit bureau companies XXXX and Equifax sent out letters with all the information and credit lines associated with the account.
Product: Mortgage

Hi, my servicer NATIONSTAR MORTGAGE, LLC is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/2017. How are they allowing this fraud to happen. Or are they trying to get what they can out of me and sell my home. Seems like they want to take my trial period payments and not give me a loan modification after. Why would they place my home under foreclosure while Im still in the trial period payment process? I want to work with them and have been for a very long time. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XXXX XXXX 2017. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XXXX XXXX, 2017 and was delivered on XXXX XXXX, 2017 which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XXXX XXXX, 2017 ( XX/XX/2017 ). They are clearly in violation of the California Homeowners Bill of Rightsand other laws as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please and thank you My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on XXXX, Equifax and XXXX about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, Equifax and XXXX cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that XXXX, Equifax and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX  XXXX account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX  as well
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Sent payoff via personal check to Kia Finance on XX/XX/XXXX. Payment was delivered to Kia 's lockbox on XX/XX/XXXX and check was negotiated on XX/XX/XXXX. 
Revived a letter from Kia on XXXX saying turn-in of car was late. I called and spoke to XXXX that afternoon. Spoke further to another rep and went through gross detail on payment. Provided a picture copy of check via upload. on XX/XX/XXXX got a call from XXXX at XXXX. She asked for an official copy and asked to send to XXXX ( rediculously long email address and just asks for a mistake in typing ). I sent the following day ; assumed that with no kick back email it must have landed correctly. Monitored my account and expected some communication. With none forthcoming, I emailed the same email address on Monday XX/XX/XXXX and continued to send each day through XX/XX/XXXX and again on Monday XX/XX/XXXX. 
After no communication I checked my account on website : a new collections letter was generated on XX/XX/XXXX ; it stated that I had done nothing to communicate to the company. Called XX/XX/XXXX spoke to XXXX in collections; explained the problem she sent me to XXXX who asked me to re-send the check image and to upload to the system. There is not upload category for this on my account, so I uploaded the image to the payoff category. All interactions have been professional but the obvious lack of receipt controls is disturbing. The lack of follow up is disturbing. The company 's CPA firm needs to review the receipt function and research functions- there are swiss cheese holes here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deploys deceptive practices to get users to agree to a monthly charge for credit protection services. Despite choosing only to pay {$1.00} for a credit report, Experian nonetheless charged me {$21.00} for failing to cancel a free trial that I never consented to.
Product: Credit card or prepaid card

On XX/XX/2020, I lost my wallet for several hours while under the influence of alcohol. During that time an imposter went to XXXX in XXXX and attempted to use my corporate XXXX XXXX to make a large purchase which was denied immediately by XXXX. They then used a different credit card ( Fidelity/Elan Services ) to purchase {$5700.00} in items. The imposter also tried to make additional purchases at XXXX XXXX XXXX which was denied by Fidelity/Elan Services, although no notification or alert was sent to me. When the wallet was found I was unaware of such charges since all credit cards were there. When I found out about the charge to XXXX posted on my account I immediately contacted card member services and reported it as fraud. The transaction amount was temporarily refunded until XX/XX/XXXX. I received a letter from Elan Card Member Services stating the transaction had been reversed and I was liable for the purchase and listed the following reason " The card was used by an individual that you had previously authorized to use the card and did not notify us that the person was no longer authorized. '' I've contacted card member services and was informed the case had been closed even though it had never been reviewed by an independent agency. I do not believe XXXX XXXX XXXX XXXX has conducted a reasonable investigation according to the XXXX 'Regulation Z '. After several months of repeated phone calls to case processors and supervisors, the company is unwilling to take the steps necessary to properly investigate this case, including but not limited to, acceptance and examination of the police report, examination of the credit card receipt in which must identify the cardholder or authorized user, review of prior purchasing patterns and locations. Furthermore, when I requested documentation of the reasonable investigation I was denied and told to write a letter to the office of the president for any further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual installment loan for {$5000.00} was taken out in my name from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did NOT open this account nor take out a loan from this establishment. The account is 120 days over-due, and my credit score how now gone from good to poor. The account was opened with an address at which I have NOT lived : " XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. '' I live in Massachusetts and have never lived in Florida. 

It seems that I was a victim of identity theft. I discovered this account when I checked my credit report from Equifax on XX/XX/XXXX. I called XXXX, who verified the loan that had been taken out in my name as well as the false address on the account. XXXX directed me to file an identity theft report with the FTC and to dispute my credit score with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I would like to request you to do an investigation against the XXXX   Company, XXXX. XXXX XXXX XXXX, TX, XXXX, XXXX, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to  XXXX XXXX on XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the XXXX   Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XXXX XXXX XX/XX/XXXX XXXX that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a {$300.00} loan from greentrustcash on approximately XXXX/XXXX/XXXX. Where it was set to pay back in increments of {$78.00} every two weeks on my pay day. 4 payments were taken out respectively on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$310.00}, equaling an overpayment of {$12.00}. 

It is now to my understanding that Greentrust applies a 699.99 % annual percentage rate to the loan set out to 8 payments of {$78.00} which would total {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 two fraudulent accounts were opened at XXXX XXXX XXXX in my name. I recently discovered the accounts when I did a credit check from the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I immediately contacted the credit bureaus to dispute the accounts. I filed a police report for identity theft with the XXXX Police Department. I contacted XXXX Fraud department and disputed the accounts. XXXX mailed me a fraud packet to complete and return to them. I completed the packet and mailed XXXX the fraud packet, police report, a copy of my driver 's license, and utility bill to verify my address and identity. I have called XXXX fraud department several times to find out the status of the investigation. I can't get any answers from their representatives. About two weeks ago, I spoke to a XXXX representative named XXXX. XXXX stated that she had received the fraud packet and the accounts were being investigated. I was supposed to receive the results of the investigation via mail, but have not received any correspondence from XXXX. In the meantime, these two fraudulent accounts are ruining my credit and livelihood. I am being declined for credit opportunities and paying more money in financing.
Product: Debt collection

I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. XXXX {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both XXXX and TransUnion have neglected to do so. My XXXX credit score stands at XXXX, but XXXX and TransUnion are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.
Product: Credit reporting or other personal consumer reports

I'm unable to log into my Experian account. After clicking on " forgot username '', I get the message to enter SSN and birthdate. They couldn't find my profile. I called their customer service line, but the entire line is self service trying to redirect customer to online portal which I can not log into and there is no LIVE customer service on that line. The only phone numbers are tailored to their business accounts. This is unacceptable that I can not speak to a live person to address the issue. There are also no forms online to fill out to send an email.
Product: Debt collection

The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX  with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.
Product: Mortgage

Penny Mac, took XXXX dollars out of my checking acct. without authorization from my XXXX XXXX. In calling them they told me that someone called me and I set up an automatic withdrawal payment with them. I DID NOT AND NO ONE CALLED ME. This is fraud. I have never been late on my payments and have always called in to make that payment. THIS IS FRAUD BY PENNY MAC. 

My name is ; XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX, Acct : # XXXX at Penny Mac.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting

I received a copy of my credit reports and noticed only on Equifax XXXX accounts that did not belong to me XXXX # XXXX AND XXXX # XXXX. I initated a dispute and 30 days later Equifax claimed they verified the information was correct. This is impossible since I called both companies and neither has record of me on file and wont release any other imformtion at my request. Please remove these accounts that do not belong to me ...
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Credit card

I participated in a promo program provided from Chase Bank, to earn XXXX Ultimate Points when spending more than {$400.00} on hotel stays booked through Chase XXXX XXXX XXXX. I made the reservation and completed the stay at XXXXXXXX XXXX  XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have not received the bonus from this program in XXXX weeks. I reached out to the Chase customer service and they could not confirm the trip information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a client I now have legal rights that are granted to me to secure me from misinformation being accounted on my own credit report. At this time I need to make a petition AGAIN for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are on-going to be confirmed as real. Kindly produce me with a copy with the contract settled or voice chat where I authorized billing me in this particular account. Otherwise it is advisable to CORRECT this from my credit based on the Fair Credit Reporting Act. 

XXXX XXXX Date opened XX/XX/XXXX XXXX $ XXXXLate/Open Late Date XX/XX/XXXX