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

In XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my TransUnion credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first XXXX they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XXXX, XXXX, and XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from XXXX XXXX. This information is now back on my credit report with TransUnion. We closed the account in XXXX and were divorced in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to respect my right to privacy. They are reporting a debt to the XXXX major credit reporting agencies without my consent. I have contacted them several times.
Product: Debt collection

Today on XX/XX/2021 I called Financial Data systems LLC to verify a debt that is listed as a collection account on my XXXX Credit Report. I was informed that it was a collection for An apartment I rented with XXXX XXXX Apartments. I informed the representative that Ive never received documentation regarding the Debt from the Original creditor Nor Financial Data Systems XXXX. When asking for Validation of The debt. The representative stated it would be an additional {$XXXX} for me to get an email verifying the debt. I believe this is Fraudulent. I want this to be removed from my credit repost because theyve never sent any Documents regarding this debt but sent it to collections without any information regarding what this is for. There contact number is ( XXXX ) XXXX. Mailing address XXXX XXXX XXXX, XXXX XXXX, NC XXXX
Product: Mortgage

On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.
Product: Credit card or prepaid card

I have always had on-time payments and I recently checked my score and became aware that last year in XXXX there was a late payment. I have not changed the auto-pay date on my account so there must have been an error with the payment system or auto-pay. I have been paying everything from auto-pay since I got the card, and I was never sent anything about a late payment or a notice of the late payment to file a complaint about it.
Product: Credit reporting

XXXX XXXX, 2016 TO : Consumer Financial Protection Bureau - on line complaint To whom it may concern : I submitted a complaint to all XXXX credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to Equifax for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found that my credit score had been dropped by XXXX points by synchrony Bank for a balance that was yet to be owed. I spoke with the bank who said that they would fix the problem. I checked my credit report and found that they did restore my credit score, but as of today XX/XX/XXXX synchrony bank has infringed on my credit score again dropping it by XXXX points for some erroneous reason. Synchrony bank is infringing on my rights under the California fair reporting act. Their hijacking of my credit must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received dispute letters back from XXXX showing multiple accounts were deleted off my credit report, yet they are still showing. I am in the process of sending a new round of letters with copies showing that the accounts should be deleted. There are currently 4 accounts and 4 collection/medical accounts still showing on my account that was supposed to be deleted in XXXX. 

These same 4 accounts plus one extra and collections are also shown on my Trans Union account after notifying them XXXX has deleted the accounts off my report, so its mandatory for them to do the same. I demand remedy/relief from TransUnion, for this has impacted my credit report and ability to get approved for anything with these negative, inaccurate accounts reporting.
Product: Money transfer, virtual currency, or money service

a guy asked me to send some money to a girl because she had to buy some things for his kitchen and that doing this pleasure for him i can have some money, so he sent to me a check of XXXX $ and i sent the money to this girl and i bought two XXXX card for her, but after that my bank account was blocked and i went to the bank for understand why and they told me that maybe the check waa fraudulent. 
my bank is M & T bank
Product: Credit card

I made no purchases with this merchant however they keep attempting to charge my credit card account repeatedly. I want them to cease all transactions immediately. I requested XXXX to stop providing my card number to the merchant when I get a new card number with their Automatic Billing Updater and they are telling me to speak to Goldman Sacs who is telling me to speak with XXXX. I just want this fraudulent merchant to stop having access to my updated card numbers. I request an updated card number and the merchants that I want to have the updated number like XXXX do not get the updated card number but the fraudsters do. Make it XXXX sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have a capital one credit card account that has restriction due to suspected fraudulent activities.I called there Fraud Department and I talked to a representative and fraud specialist to validate and verify all the the information that I own the account after verifying all this information they still wont able to remove the restriction to my account so I can use itXXXXagain.This account is paid off and there is no balance.I 'm requesting that I can waive or remove the restriction to my credit card account.And they sent me a PIN but how am I suppose to use my card it has restriction to it.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRES ON MY CREDIT FILE. XXXX XXXX / XXXX XXXX  / XXXX XXXX XXXX  / XXXX XXXX/ THIS IS IDENTITY THEFT
Product: Credit card

My EX ( we are divoriced ) XXXX XXXX trouble starting husband XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX Kansas XXXX, phone number XXXX ) fraudulently started a capital one pmatnium credit card with my Social security number and other personal confidential Information and did NOT have my permission tondo so or notify me of this. He has committed fraud and forgery and is ( has ) committed several actions with this card hurting my credit, over maxing the card out, late fees, debit accumulation, and much more with numerous fraudulent transactions I am just now becoming aware of unfortunately. He needs held accountable for these crimes and I need my credit / financial history and credit and name and my social security number cleared of these fraudulent actions and actives as I have never used this credit card, never had it in my possession and I did not know it even existed until today. I am requesting your assistance onnthis matter as soon as possible and federal criminal charges to be placed against him with him being liable for ALL thus debt and transactions and done by him. I have another credit card that he dies not know about that I have started as a beginning to my new life and with out him and the beginning of my real credit that us my actions and responsibilities and I have had a 100 % SUCCESS RATIO WITH ITVIN EVERY WAY AS I BUILD MY CREDIT VERY QUICKLY WITH LOTS OF DEDICATION AND TVE HELP OF A GOID FRIEND WHO HAS PERFECT CREDIT FOR OVER 20 YEARS. I NEED THIS CASE AGAINST XXXX XXXX investigated and I need my credit / name cleared of HIS actions
Product: Mortgage

Approximately 4-6 months my wife and I applied for a credit loan and was turned down because of 2 late payments to Nationstar reflected XX/XX/2016. We were not aware of this and wrote both the credit bureau and Nationstar Mortgage and received a reply from Nationstar dated XXXX stating that after review they would not change the credit reporting and it was my fault. They said because they sent us a letter stating a rate increase back XX/XX/2016. I do not remember seeing it. We average getting 3-5 pieces of mail from weekly along with numerous calls asking us to refi our loan. The customer service rep that was not their problem. 
My feeling is this " bunk ''. If you look at our history of paying this loan you will see payments being made on time and had made numerous payments in amounts greater than the normal payment. When I call Nationstar to speak with a customer service rep, 99.9 % of the time I get an " non-English speaking '' person of which is very hard to understand. 
I am hearing impaired and have asked to speak to an " English '' first speaking person and have n't had much luck. We have had numerous mortgages over the last 20 years and hands down Nationstar is the most difficult to work with. The loan we had applied for was with XXXX XXXX XXXX XXXX for the purpose of purchasing and RV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is duplicate entry of same account on my credit report. US code 1692e ( false/ misleading representation, ) holds that it could not be listed as if it were another separate account. 
It is re-aged to reflect a more recent date. FCRA 623 ( a ) ( 5 ) ( A ) specifies dates of open/ delinquency must match. 
Despite my numerous requests, PRA has not provided me with an original contract bearing my signature, nor any document that assigns this particular ownership of debt to PRA ( US Code 1692g ( Validation of debt. ) ) It is beyond the statute of limitations in my state. ( Alaska Code 6-2-37. )
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

I find out that portfolio recovery associates file a law sued against me the reason I find it out is because I received an advertisement letter from 2 lawyers to hired them. 
Fue to I been sued. I never received any mail from this portfolio recovery associates informing me about this debt. I dont euknow what debt they are talking. This company usually file law sued for old debt that are very old. I need them to provide me with the information because I dont know what are they are sued me for .Im a XXXX XXXX old person with health condition XXXX receiving SSXXXXI.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I recently filed a complaint with this bureau in reference to a XXXX personal check XXXX check # XXXX {$1200.00} XXXX that was cashed by Wells Fargo bank on XXXX/XXXX/XXXX. It was not cashed by the payee ( rent management office ) or myself. Apparently, the endorsement on the back of the check did not match my signature on the front of the check. My name was printed on the back of the check. I reached out to this bureau to obtain a response from Wells Fargo bank in an effort to receive an explanation and to be reassured that funds would be returned to my account soon. Wells Fargo 's response as of XXXX/XXXX/XXXX was that they could not respond within this portal because they are not authorized to use personally identifiable information. I am interested in finding out specifically what happened on XXXX/XXXX/XXXX and when Wells Fargo will reach out to XXXX. This investigation has already taken 3 months. Wells Fargo was contacted more than two months ago.
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX ago on XX/XX/2023. I applied for a credit and was approved for {$300.00}. I plan to get furniture but my bank stated it could possibly be fraud and i could cancel the XXXX payment which i did and didnt go through with the order. I contacted the loan company and told them and also submitted XXXX  AFFIDAVITS. On XX/XX/2023 the went into my account and withdrew XXXX. I called the company and they stated the furniture store said i received a twin bed i never received. I went to the store and it was closed and they were not answering my calls.