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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Don't ignore my request this time to correct the following inaccurate items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the XXXX XXXX guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this XXXX Account off my report Immediately. 


XXXX-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( XXXX ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE XXXX DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year> Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

[ XXXX XXXX XXXX XXXX  open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate
Product: Student loan

Constant phone calls when the account rolls past due. My payment is due on the XXXX of the month and I occasionally need to make the payment late due to the fact that I am paid on a bi-weekly basis. 

Recently, my account rolled past due, but I scheduled a payment that would be withdrawn from my bank account on XXXX XXXX, 2016. This payment was scheduled on Thursday, XXXX XXXX, 2016. 

Despite the fact that I scheduled a payment, the phone calls persisted. Between XXXX XXXX, 2016 and XXXX XXXX, 2016 I received a total of ( 17 ) calls from Citi regarding the account. I did n't answer most of these calls as they called while I was either at work or driving my vehicle. 

The phone calls are OUT OF CONTROL. There is no need for them to call me this many times, especially given the fact that a payment was scheduled. This is n't an isolated incident as this has happened to me every time my account has rolled past due. 

I would like to see this matter investigated as I ca n't be the only person who has this issue with Citi Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to all 3 bureaus about bankruptcys on my report and XXXX and experian have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX  which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was sued in court by the company and make payments the original company calls me everyday wanting payments also they harrass me 2-3 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Through my regular credit monitoring on XX/XX/XXXX, I found that a collections had been placed on my credit in XXXX. I immediately reported/disputed the account with all three credit bureaus because I had no knowledge of this collection and had never received any sort of bill or opportunity to pay from them. I found that the collection was from XX/XX/ from an apartment I vacated in XXXX XXXX XXXX. I have since lived in another state. XXXX and XXXX removed the collection immediately. XXXX reported it as accurate. I disputed their results. I have absolutely nothing to submit for evidence because I have never received anything from this company, which is impersonating a lawyer with its name, a known collection fraud tactic. I have tried uploading my power bill in my new state showing I moved in XXXX XXXX XXXX, as well as email correspondence showing my notice to vacate in XX/XX/, the payments I would be responsible for, and proof of payment, as well as emails from the apartment complex giving me a final statement and me telling them they did not send anything. XXXX has provided nothing to show that this debt is accurate, even though they claim it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX-XX/XX/XXXXand XXXXXX/XX/XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called Lending USA my personal loan and spoke with a guy who was extremely rude and was having a hard time processing my payment correctly so I asked for a supervisor who I forgot his name to help me to make my monthly payment of {$110.00} like I always do without such a hard time as this day he was able to process the payment. 

On XX/XX/XXXX I check my bank and I see that they refunded the {$110.00} back to my account on XX/XX/XXXX so I called Lending USA to make yet another payment and spoke with a lady who was laughing about the money being refunded back into my account and the payment of {$110.00} was charged again. I unfourtunately do not remember names until the end where Ive been getting super frustrated about something that is not my fault because they are doing something incorrectly on their end. 

Four days ago I believe I received a call from Lending USA his name was XXXX telling me I was late on payment I advised him this is incorrect my payment was processed again on XX/XX/XXXX and I didnt get a refund back like before he tells me I have to email my bank statement as proof so I do and he said it will take two days to process. Everyday I keep calling for an update I have even spoke to supervisor XXXX and on XXXX XXXX tells me that yes the payment is there on the statement but that it pretty much got lost in their system to call XXXX and dispute the charge and then give a call back to process yet another {$110.00} payment as I did on XX/XX/XXXX. I call XXXX spoke with the claims supervisor they tell me theres nothing they can do that the charge cant be disputed because Lending USA already took the payment so while I have XXXX on the phone I call Lending USA which I spoke with a girl because XXXX wasnt available and XXXX tells them they cant dispute the charge since they took the payment and the girl just tells me they have to escalate this yet again she said it will take a couple of days when its been almost a week and they cant find my payment anywhere in their system and its clearly in my bank statement and cant be disputed. Im afraid I will lose this money and have to pay them twice the amount that I usually pay for a month for this loan it would be like theyre stealing {$110.00} from me just because they lost it somewhere in their system.
Product: Mortgage

ive tried to contact the original company that did the modification and they are no longer in business to see why they added XXXX to my loan balance instead of putting that amount at the end of the loan. homeward/american home mort serv did the modification and they paper work show XXXX was being deferred to the end of the loan but that amount was added. ive called phh several times trying to understand why the amount was added and they keep giving me someone from another country and i dont understand them. they were showing XXXX different balances on my credit report and finally they fixed my cbr to show one mortgage. i dont understand how the balance keeps increasing and not decreasing. if im reaching out to the wrong agency can you please direct me to the correct agency to assist me. this is my second email asking for help to fix this loan. im not able to do a refi because of the loan amount. ive been in this home for 17 yrs and balance is increasing and i make my payment on time. ive been on the foreberance plan twice and they are adding that amount to the end of my loan so why wasnt the modification amount added to the end of the loan. im enclosing my original deed to show when i purchased the home and its not the month and year phh has on file ..the countXXXX i live is showing XX/XX/2006 so something is clearly not correct with this loan.
Product: Debt collection

XXXX XXXX XXXX Has reported negative items on my credit files. This account should be under the XXXX XXXX XXXX XXXX XXXX hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers : My current Employers is XXXX XXXX XXXX XXXX. 

XXXX. Incorrect Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX  XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX  XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX  also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX. 
Thank you nfor you help, XXXX XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I recently disputed a charge off account on my XXXX credit report and have received no response. First of all, what XXXX  is reporting is not being reported by any other bureau so it should be deleted for that reason alone. Also, According to the IRS, A Charge off is a financial loss that may be deductible as a business expense, but is not considered income to the consumer. Therefore, the reporting of this charge off as income on my credit report is misleading and inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020, I XXXX XXXX attempted to usemy CapitolOne Platinum Credit Card ( Last XXXX XXXX ) with XXXX  to purchase {$2000.00} K of XXXX and XXXX XXXX. I receive a message from the website that it was denied by the Financial Institution, CaptiolOne. I contactedCapitolOneManagement. I explained to them that theres nothing in my contractstatingIcannot purchase foreign currency or cryptocurrency. The platform is similar toXXXXwhich is allowed and has the same level of risk with daily value. They did not give a specific reason for denial, nor did they say that it was in conflict with the law, but referred me to the contract. I asked for specific paragraph and line but was denied. I stated that this a service and finish good that meetsthe standard for Sarbanes Oxley ( SOX ), meaning it meet fair businessand accountingpracticesand General Accepted Accounting Practices ( GAAP ) criteria. They stated that I was correct but elected to deny the transaction. I did let them know that most financial business are not particularly liking XXXX based on the model. It is more desirable for the consumer eliminating fees, thus cutting into their bottom-line. The attempt to not allow me to purchaseXXXX XXXX or any other medium, is a conflict of interest. I ask for copy of my complaint. I was rebuffed as I asked, but they stated it would be denoted in my file
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the debt. And XXXX  XXXX XXXX Block LLC has failed to validate the debt. They are still reporting the debt.