23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I bought a double wide trailer in a park and got financing from XXXX in XXXX. It has a very high interest rate of 14.9 %. I am try to refinance before it gets 15 years old because I can not get financing with credit union after that. I am pre approved for financing or to buy another home. The problem is XXXX now Ditech has XXXX XXXX liens on the property XXXX. The new lender has asked at least 3 times for them to release the first lean, I have also called several times on this. We keep getting same answer, they will terminate the lien once they receive payment in full. The new lender or any other bank will not give Ditech any money while they have XXXX liens on the home. The first one should have been terminated. Therefore, they are preventing me from refinancing or selling the home. 
This has been going on since XXXX XXXX, XXXX. I want to do a payoff but they will not terminate XXXX of the XXXX filings XXXX. Clearly you can see on these XXXX 's that the secured parties on XXXX are XXXX. I should only have XXXX lien. I need to get out of this loan because it is a simple interest loan and I owe more for the house now than I did when I bought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the XXXX credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since XXXX/XXXX/XXXX. The court order states that I pay XXXX a month and I pay more than XXXX a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the XXXX XXXX XXXX XXXX and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsible Father,  my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
Product: Credit card

Certainly! Here 's a draft of a letter you could send to the Consumer Finance department regarding the unauthorized charges : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Dear Consumer Financial Protection Bureau, I am writing to report a concerning issue regarding unauthorized charges made to my credit card from XXXX XXXX or XXXX XXXX. Despite multiple attempts to resolve this matter with my bank, the issue remains unresolved. 

On [ Date ], I discovered two unauthorized charges on my credit card statement from XXXX or XXXX XXXX. XXXX charge was for {$2000.00}, and the other was for {$1000.00}. I never authorized these charges, nor did I sign any slips or give anyone permission to charge my credit card on my behalf. 

I immediately contacted my bank to dispute these charges and requested a copy of the signature on the slip for verification purposes. However, my bank has refused to provide me with the signature or match it with the signature they have on file. Additionally, I have provided them with an affidavit along with a copy of my driver 's license, containing my signature, in an attempt to resolve the issue. Despite my efforts, the bank has failed to provide me with a refund for the unauthorized charges. 

This situation has been ongoing for over a year, and I am still fighting to have these charges reversed. I am extremely disappointed with the lack of assistance and resolution from my bank. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I believe that the unauthorized charges made to my credit card violate consumer protection laws, and I am seeking assistance in recovering the funds. 

Enclosed are copies of relevant documents, including my credit card statements showing the unauthorized charges, correspondence. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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

Today I pulled my credit report and noticed there are several unauthorized accounts listed that I am not familiar or associated with. I am also listed as an authorized user on many of the accounts that I did not authorize nor do I have access to these accounts. I'm not sure how my identity gotten compromised but in the past, I hired a credit repair company to assist with repairing my credit and at the time I disclosed personal information including my social. This could be how it gotten compromised. I have been trying to contact the credit agency but I have not been successful. I was then later informed that the company may no longer be in business. The name of the company is XXXX XXXX XXXX XXXX and the agent I worked with was XXXX XXXX Here is a list of the unauthorized accounts that is currently reporting on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XX/XX/2015.  The two credit bureaus that listed this item ( XXXX and Trans Union ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the 3 bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit report I noticed an account being reported by XXXX XXXX XXXX. They were reporting a debt from XXXX in the amount of {$1500.00}. I contacted this company as well as Experian, XXXX, and XXXX in reference to the report and all parties continued to report the account despite me alerting of them on 4 separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of their failure to meet minimal reporting standards. This is outrageous and the failure to address my complaint is causing hardship to my life. I'm trying relentless to correct this issue. I have been trying my best to obtain different employment however the jobs I'm seeking include credit checks as a part of their employment process. This is embarrassing to my record as my credit score is a representation of my trustworthiness and this is not a great reflection, especially when this account is being reported against standards.
Product: Debt collection

On XX/XX/2017 I contacted the debt collection agency Portfolio Recovery to ask what creditor does the debt they claimed I owed originally belonged to. I was told they were not obligated to state the original creditors name and continue to ask me to verify it is indeed my debt even though I have no means of knowing of this debt. I was never given a written notice of any said debt. If I indeed owe the debt, I have the right to know who the creditor is and it should be validated to prove in fact it is my debt. Further more, the collection agency Portfolio Recovery is not license in my state ( TN ) to collect.
The negative and wrongfully reported account has been added to all 3 of my credit reports damaging my credit worthiness. The account was added to my credit reports on XX/XX/2017 in the amount of {$570.00}. Can you please assist me in resolving this matter? Thank you
Product: Credit reporting

There has been an bankrupty on my account that keeps updating ive went to coweta court house in gotton paper work showing debt was discharged there was never a bankrupty that was taking place nor have i ever went to court for this case. I will like for this iteam to be removed i have all docm. if needed
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am filing a complaint against XXXX XXXX, and Equifax for false and malicious credit reporting, which has caused significant damage to my credit score, reputation, and financial stability. 

Details of the Incident : Bankruptcy Filing : On XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy in California ( Case XXXX ). This bankruptcy was successfully XXXX, resolving all applicable debts before the filing date. 
Lease Agreement : I entered into a lease agreement with XXXX XXXX XXXX in Nevada on XX/XX/XXXX. This lease was initiated AFTER my bankruptcy filing and discharge, making it legally and factually separate from the bankruptcy case. 
Payments on this lease were made in full compliance with the terms of the agreement.be mindful my parents own property conveyed in the lease which was fullfulled. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX, through its intermediary credit data company XXXX XXXX, falsely reported to Equifax that my lease was Included in Bankruptcy and listed as the Worst Payment Status : Included in Bankruptcy. 
This reporting is chronologically impossible and malicious because the lease was executed after my bankruptcy case, which was XXXX in XXXX. There is no legal basis for retroactively including this lease in the bankruptcy, chronologically inplausible Efforts to Resolve the Issue : Upon discovery of the false reporting, I contacted Equifax to dispute the information which they changed This has led to continued financial and reputational harm, including a decrease in my credit score and denial of credit opportunities. 
Impact : The false reporting has caused : Severe damage to my credit profile. 
Emotional distress due to financial and reputational harm. 
Denial of financial opportunities and increased financial hardship. 
Desired Resolution : I am requesting that the CFPB : Anotate the scenario
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit account showing up on my credit reports that don't belong to me. The account is CBNA with a balance of {$8000.00} this account doesn't belong t me and needs to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, TransUnion LLC also known as TransUnion furnished a credit report admitting that 7 persons accessed my information without my consent from TransUnion. In result, TransUnion deleted 7 inquires in relation to the 7 persons who were able to acquire my information from TransUnion. Deletion is a voluntary acknowledgment. TransUnion did not notify me first about the 7 person acquiring my personal information PRIOR to it showing on my credit report or credit file. The 7 inquires reporting on my credit report has stopped me from extending credit to creditors. TransUnion is required by law to pay me {$1000.00} per person that obtained my information unlawfully without my consent. TransUnion LLC also known as TransUnion owe me {$7000.00} for allowing 7 persons I do not know access my personal information. Please see Exhibit A, C & D for proof of TransUnion admitting to deleting the seven inquires. 

*This CFPB complaint is NOT a request for an identity alert to be added to my profile. DO NOT ADD AN IDENTITY ALERT ON MY CREDIT REPORT, CREDIT FILE, OR CREDIT PROFILE. *
Product: Credit reporting or other personal consumer reports

am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

I am considered below poverty level. I live in subsidize housing and get food stamps. I don't have enough money to pay my bills. I'm XXXX years old and I'm experiencing some severe health problems, XXXX XXXX. I can't take the XXXX. I have nothing to give. I called them several times and wrote them a letter explaining my situation. My bill was {$400.00} dollars at the time but I'm sure they packed on the fees and penalties making it astronomical to me. They are Synchrony Bank. They call every single day, sometimes it's XXXX times. I tried blocking them but they manage getting past that. Please silence this for me. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

These companies checked my credit report without my permission, and it's really impacted my credit and score. I reached out to the bureau, and the rep assured me theyd be removed, but they're still showing up. These unauthorized inquiries are making me anxious because Im worried I might be a victim of identity theft. It's not only stressing me out but also damaging my credit even more.
Product: Credit reporting or other personal consumer reports

On Sunday morning, XXXX XXXX XXXX I  checked XXXX XXXX over new information on my credit report from TransUnion. I lost XXXX points on my XXXX XXXX. I knew an old credit hard credit check was coming off my scores, but apparently there were 4 new unauthorized hard credit inquiries to my TransUnion account. I did not make any new inquiries at all recently, much less between the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is no specific date, only saying between XXXX XXXX XXXX through XXXX XXXX XXXX were all of these inquiries made. Then even more strangely, the inquiries were taken off. My credit score is still affected. I have screenshots of the companies involved through XXXX XXXX. I will investigate further to find out who made these inquiries, and what fraud I am dealing with.
Product: Credit card

I had a balance of {$110.00}. I paid it out hen then asked for my account to be closed. They said it was closed. Now they're saying past due balances when they said I was up to date after the {$110.00} I was never told anything about more interest or late fees, had they... I would've paid it then.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

I just reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove theses accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

They are report late payment when I have provided proof that I was never late wit my child support it shows I only have XXXX percent payment made on time when it should be XXXX percent payment made on time the account is XXXX XXXX XXXX XXXX
Product: Consumer Loan

Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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