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

I voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially TransUnion. Moreover, I attach a XX/XX/2023 TransUnion screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX Chase Reward card ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were nursing ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before XXXX XXXX XXXXXXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our Chase card got over looked. 

Chase called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance XXXX. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for Chase errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this Chase card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from Chase that the account might be late. If you need anymore information please feel free to call XXXX or email my back at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.
Product: Credit reporting or other personal consumer reports

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 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 are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR 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 your reference. My 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 Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. Account : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Victoria secret credit card was charged off in XXXX and then reappeared as 150+ days late as of XX/XX/XXXX.
Product: Student loan

I was garnished last year with XXXX XXXX for student loans and I called today XX/XX/XXXX to see where the money garnished was applied to the loans that Navient has. No one had an answer. I asked the, to remove the late payments that are being reported to the credit bureaus because I have never missed a payment since XX/XX/XXXX of last year ( I 'm receiving alerts saying Navient has reported me 120 days late from all XXXX credit bureaus ). I was told to fax something in writing when this was done they said no mail it. But each representative verified that my account is in good standing with no late payments. Still no answer on the money that was garnished as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are accounts that need to be deleted and blocked from credit file immediately.
Product: Credit reporting or other personal consumer reports

The student loan was from 2004, its been XXXX now and the U.S. Department of education is still reporting the loan to my credit. I've never reached out to anyone and the U.S. dept. of education claims I've agreed to repay with an installment plan. That is completely false because I have had no contact with them whatsoever. They have provided false information, please advise on how to resolve. I recently contacted transunion and there investigation report did not resolve the issue.
Product: Debt collection

Today I have reviewed my credit report and discovered that this company has reported that this company has reported that I owe them a debt. I was never sent any notification to make me aware of anything. I do not recall ever doing business with this company
Product: Mortgage

Dear XXXX CFPB : Im a survivor of a XXXX, and now Im working, due to a financial issues, I purchased my home in XXXX XXXX XXXX XXXX XXXX Ca XXXX, for {$700000.00} and put a down payment for {$150000.00} I was stilled employed in the city of XXXX XXXX and earning {$75000.00} a year, after we got in the home we discovered that the house has a severe fire damaged, they re-paint, reconciled it with new sit ruck, we went to court, and there was a misrepresentation, fraudand negligence, but I was not awarded a monitory fund, due to my lawyers, missing someimportant documnts, to showed to the judge. I have to withdrawn my XXXX for {$75000.00} and {$15000.00} to supplement the legal fees, and fixed some parts of the house. At that time Im under a forbearance payment, the original mortgaged was XXXX XXXX, and they file bankcrufsy XXXX, on 2008, then my mortgaged become, US bank, Im under forbearance payment, and never missed the payment, but my house was wrongfully foreclosed, US bank sold it to the investors instead, I was given an eligible for Independent foreclosure review, and was awarded some money, I lost every thing, and what Im asking to US bank, that since they wrongfully forclosure my house, and denied my modification, instead they sold it to the investors for more than 65 % due to the fire damaged of the house, they should removed my forclosure records, because I never missed any payment to XXXX at that time, then US bank took over, and the federal banking regulators the office of the comptroller of the currency and the office of the governors of the federal reserve system, granted me an eligibility from this wrongfull forclosure. US bank should removed my records, Hoping for your prompt reply to this matter,
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. The XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SECXXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/2022, my friend, XXXX XXXX sent me a XXXX XXXX  payment of {$100.00}. I requested XXXX XXXX to transfer/deposit that payment into my linked Bank of America checking account. 

XXXX XXXX provided me with a transaction receipt indicating that the transfer was completed on XX/XX/2022. However, Bank of America claims to have no record of that transaction. 

XXXX XXXX claims that upon their investigation into my claim, they found that the funds were transferred to Bank of America. However, they did refund the {$1.00} transfer fee. 

Bank of America simply stated that that didn't get it and refused to submit a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with Shell Point Mortgage was sold to another company more than a year ago. On XX/XX/2022 I emailed Shellpoint and asked them to update my credit report to show that the mortgage was closed. It's been almost 3 months without a reply from them and the mortgage accountstill appears opne on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the XXXX XXXX account since XX/XX/XXXX with no real proof of validation or debt from Experian. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX and XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. Experian seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but Experian would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX- XXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please see attached letter, exhibits, and identification documents. The seven accounts in question were not blocked from my credit report following my Identity Theft Report received by TransUnion XX/XX/2023 ( Pursuant to XXXX XXXX Code XXXX ). These XXXX accounts were also not deleted by TransUnion for having major discrepancies between the XXXX bureaus. Instead they were 'Verified ' as 'Accurate '. I am now questioning TransUnion 's verification and investigation methods in this attached complaint letter, also delivered to TransUnion on XX/XX/2023 via USPS mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME THAT I HAVE ASKED TRANSUNION TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. 
IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Mortgage

I began having trouble with Ditech around XX/XX/XXXX and XX/XX/XXXX. I had previously worked out a modification as I had a financial hardship and other than it taking an extremely long time to come to terms of a modification, it was worked out and I fulfilled my requirements. Then I started getting letters from Ditech requesting proof of insurance. I uploaded my insurance documents to their website and they continued to ask for proof. I uploaded the insurance a few more times, mailed a copy to the servicing center and faxed a copy to ditech and literally received no response from Ditech. I called and talked to customer service to be told that they did not receive my insurance information and I needed to do it again. How much more can I actually do at this point for them to get it? I did those things again and again I recieved requests for my insurance but now along with the request, I also go forced placed insurance and new payment information raising my payment up a very significant amount. I contacted them again and continued to call and upload, fax & mail my insurance information and they continued to tell me they never received it. I then decided to contact the forced place insurance company. They provided me with an email address for them to send my insurance info and they would cancel. I forwarded my insurance and like she promised, she cancelled the insurance. This however did not fix my now affordable payment. Still no response from Ditech other than the standard letter " We have received your request and will contact you within 30 days ''. They did do a reanalysis of my escrow and my payment went back down but I did not receive any sort of explanation on a refund from forced placed. As of XX/XX/XXXX My payments were back down to an affordable payment but not before they reported late payments. So now as of XXXX my payments are back down, however, I am unable to make payments online, my payment information is incorrect online and when you call in your payment, they want a convenience fee for calling. When I asked them why my statements and payments were all messed up online they said they were having issues. This issue never did get fixed for me and I could never get an explanation of why. I sold my house in XXXX and requested a payoff from them. They sent it to me and it included {$400.00} even of fees that were never on any statements or disclosed to me or anything. When I attempted to contact them to find out why it was there, I got a letter stating they received my request and would be in contact within 30 days. Well, it is has been over 30 days and I have still had no contact. I am very thankful that they are now paid off and I will not have to deal with them any longer, but I think I deserve the proper attention for this issue. I do have records of uploaded documents, my insurance information and other supporting documents as I am sure they have no records of anything.
Product: Mortgage

While I was on vacation during XX/XX/2018, I missed a mortgage payment ( {$1500.00} ) which was an oversight. I had sufficient funds in my account but was not notified and I did not speak to a human being about the missing payment till XX/XX/2018. I paid the missing XX/XX/2018 payment in XX/XX/2018 and I was current on my mortgage payments. It turned into 4 ( 30-day Rolling ) (XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/2018 ) late statements against my credit report. I'm currently trying to obtain a mortgage but there's 4 late payments in the last one year. I have tried to submit all the info to the creditor Bank but they denied to repair my credit report.