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

I've been disputing inaccurate accounts with Transunion and XXXX  for over the past year via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX & XXXX XXXX is recorded in negligence and needs to be removed. I've been disputing this XXXX  account for over a year now with Transunion, this account Re-Ages every month when this collection agency falsely states that this account is verified and shows an inaccurate OPEN account status. This is inaccurate reporting. Transunion remains in non-compliance. XXXX  and XXXX  deleted this XXXX  account because it couldn't be verified. This XXXX  XXXX account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for over a year now with Transunion and XXXX, each bureau has a different record date of last activity TransUnion Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, XXXX  reported previously XX/XX/XXXX, according to the last payment of XX/XX/XXXX that does not coincide with its Date of last activity recorded, which means that the Balance Owed amount and Past Due amount is inaccurate. XXXX  reports a payment pattern to XX/XX/XXXX on a closed account dated XX/XX/XXXX. This account is still inaccurate and Re-Aged which leaves Transunion and XXXX  in violation thereof ... ... Moreover XXXX reported by Transunion and XXXX  have been requested repeatedly to be updated, its last report date has not change since year XXXX, which means this disputed account has not been investigated. On this account Transunion reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports a inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to ... ... XXXX XXXX is another account that XXXX  reports a inaccurate Late 90 Days on a {$0.00} Balance Owed account, its last report date has not change since XX/XX/XXXX, which means this disputed account has not been investigated. This is inaccurate reporting, XXXX & XXXX XXXX needs to be updated immediately ... ... Also my personal history needs to be updated it records an inaccurate name XXXX XXXX this is not my name. Delete XXXX XXXX from my credit file.
Product: Debt collection

I was contacted at the beginning of XX/XX/XXXX and requested that the company send me where the medical debt was from. They did not disclose where the bill came from, I was never sent anything so I called back again and asked where the medical bill came from and when the medical bill was sent to them and was sent to a different compliance worker who proceeded to scream at me and bullied me and when I asked to speak to another representative that was not so rude, he told me that there was no one else to talk. Also the worker said I needed to ask him a question that was actually a question but then I was told that I wasn't supposed to speak. So I had to ask him if I could ask a question. I filed a complaint with the company on XX/XX/XXXX regarding the employee to get his name and a recording of the phone call. A risk management director reached out and told me to call her or him and I have tried twice with no response. I have left call back numbers and emailed back to the risk manager director with no response.
Product: Mortgage

US Bank bought our home loan from XXXX in 2014. We fell behind in our mortgage and they were relentless in pursuing back payments with harassing calls late at night, and intimidation. They keep raising late fees. 
We are trying to refinance our mortgage and they have delayed sending a payoff amount to our title company, XXXX, FL XXXX FAX XXXX ATTN : XXXX XXXX # XXXX ( XXXX ) I believe they are dragging their feet on releasing a payoff because they will lose money because they bought the loan. 
Today I called and spoke to them about this. The girl, XXXX, ( Spelling may be wrong ) insisted I pay {$20.00} for them to supply the payoff. I argued this saying they could not do it. She kept insisting it was for the authorization to send the payoff amount, not for supplying the payoff amount. I asked her if that was policy when banks and title companies fax in a request but she changed the subject. She may have added the amount to our payoff, but I am not sure. She later said she faxed it as we were speaking. 
After calling the title company an hour later, I was informed they had not received it. I called US Bank back only to to be told it would take up to 24 hours and that the fax # they were sending it to was completely wrong. I believe in my heart this is all intentional. 
On top of this, their customer service is anything but that. They are the rudest and most belligerent people to try to reason with. 
So, my main concern is trying to get the payoff so we can close on our loan and move forward. This has been going on for way too long. 
Also, can you do anything about the ever changing late fees and the harassing phone calls we received?
Product: Mortgage

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating I had a balance due for real estate property taxes. On XX/XX/XXXX, I called Stockon Mortgage my loan servicer to inquire about the tax bill that is due. They advised me to email the tax bill to them at XXXX, I did as advised. I assumed the bill was paid since my escrow increased. But sadly mistaken, on XX/XX/XXXX I received from XXXX XXXX  a delinquent tax bill with an increase of {$150.00} due to fees and interest for not paying. I again called Stockon Mortgage, this time I was advised to mail a physical letter and to expect a 3 week turn around time for my request to be processed which would put me in a a further delinquency. I asked if I could just pay it and be refunded, they stated no. So I did as they said XX/XX/XXXX I sent it next day mail and they've received the letter and no action has been taken. I've called now every week to see if any action has been taken and as of today XX/XX/XXXX, they have done nothing. They've placed me on a hold to talk to a supervisor for thirty minutes just to be hung up on. At this point this servicer isn't doing their job and doesn't seem capable of handling accounts.
Product: Credit reporting or other personal consumer reports

I am processing disputes on my credit report for unauthorized inquiries that are hindering my credit file. This has been reported an i have no knowledge of any inquiries listed on my file. Please review an remove the listed items. I have reported the listed items as fraudulent an are unaware of inquires reporting that is causing many denials on my credit report. Delete And remove asap.
Product: Credit reporting or other personal consumer reports

Hello, these errors you keep reporting on my credit keeps me awake at night, it's taking a toll on my mental health, I'm trying to get a home loan yet It's either I get outright rejected or has exorbitant interest rates all due to the inaccurate reporting on your end- this is really depressing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}
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. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has not updated their credit report file of me. They report current loans as delinquent, ALL MY LOANS are current. They have my car loan with XXXX XXXX XXXX XXXX on file with no history, its exceptional. They have my personal loan with XXXX Bank on file with no history it is exceptional as well. They are not updating anything and when I reach out they tell me so get their XXXX $ monthly subscription to dispute. This is horrible and it has stopped me from purchasing a home, and now is interfering with me getting a rental home. They have contracts with some big housing LLCs here in XXXX, but their false reporting is causing me to remain XXXX. 

Compare my XXXX score and accounts to XXXX and Trans Union. ONLY XXXX is actually updated and tracking.
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. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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, 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 right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violating my rights. 

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, I formally requested TransUnion to block and remove these unauthorized accounts from my credit report. The fraudulent accounts include : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Despite my request and legal right to have these accounts removed, TransUnion has failed to take proper action. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. Additionally : 15 U.S.C. 1681i mandates a reinvestigation and removal of unverifiable information. 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or fraudulent information.

15 U.S.C. 1681i ( a ) ( 5 ) ( D ) requires credit bureaus to notify other agencies of removed fraudulent accounts. 
I have provided all necessary supporting documents, yet TransUnion has failed to comply with its obligations under federal law, allowing fraudulent accounts to remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I noticed a entry on my credit report that does not belong to me and this derogatory entry stems from Identity theft. The account was opened in XXXX of 2020 and the fraudulent balance is {$730.00}. I haven't called the company, however I did file a police report and identity theft report that I mailed out to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I asked for us to get locked in on 4. % Rate the day we did application also they needed money for appraisal I sended it and now they won't send me a copy I asked several times and I got yes tonight ill send it and yes and they never did I called the number on paperwork all disconnected XXXX XXXX XXXX on web for Lending 3 Inc also paper work I signed same number don't work I spoke with XXXX XXXX and she is answer phone once and ignores her number is XXXX XXXX XXXX XXXXplease help me get what I paid for and what ever else I'm intitled to for this company causing me anguish thank you
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax And XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

Please see below XXXX XXXX {$3200.00} Closed Account info Account name XXXX XXXX Account number XXXX ( doesn't event have the full account number ) Original creditor - Company sold - Account type Cell Phone Date opened XXXX XXXX, XXXX Open/closed Closed Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Please remove these addresses below as well! I DO NOT LIVE HERE! It NEEDS TO BE UPDATED! 

I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports.

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX current address is XXXX XXXX XXXX, XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe is inaccurate. Pursuant to 611 of the Fair Credit Reporting Act ( FCRA ), I request that you promptly investigate the disputed items listed below, verify their accuracy, and provide written documentation of the results.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

Mid XX/XX/XXXX checks were stolen from our financial advisors office. This account was closed on XX/XX/XXXX. XX/XX/XXXXmy credit union denied payment on a electric funds transfer to XXXX on XX/XX/XXXX for {$620.00} using the account number of stolen ( thus closed ) account and mailed me a notice. About 2 weeks later I received notice from XXXX XXXX XXXX that they were trying to collect a debt for XXXX store # XXXX. I sent them a letter explaining the situation and received a letter back asking for more documentation. 
I then found the location of XXXX # XXXX. It is in XXXX, WA, about a 2 hour drive from my home. I do not shop at XXXX at all and there are 3 or 4 in my area. I then called XXXX county law enforcement where XXXX is located. After taking my report they went to XXXX # XXXX to investigate. XXXX had no record of a purchase on the date of the EFT, nor for a for a few days prior or later. Law enforcement unable to reach TRS by phone but did see online comments about them for the same type of situation. Advised me not to communicate with them further as this is probably a scam.
Product: Money transfer, virtual currency, or money service

The list of fees is misleading, as it shows no fees -- but the fee is in the exchange rate itself. Because it's hidden I can't compare to other banks
Product: Debt collection

CMRE financial took over a medical bill from last XX/XX/XXXX. They have not credited any of the payments I have made, nor do they enable me to see the status of my payments made on their website. 

They just send me letters about owing money. I feel uncomfortable making blind payments with no end in sight.
Product: Debt collection

I am writing to dispute the continued reporting of late payment information on my credit report for an account that has been settled and closed. After carefully reviewing my credit report, I have observed that late payments are still being reported on this account, despite its closure and settlement. I am seeking your assistance in rectifying this issue promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the mentioned account has been settled and closed. Despite this resolution, the credit report continues to reflect late payments. I am concerned about the accuracy of this reporting, as it misrepresents the current status of the account.