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

TransUnion deleted my XXXX  XXXX XXXX # XXXX in XX/XX/XXXX. I contacted TransUnion by phone on XX/XX/XXXX, and they said XXXX XXXX XXXX was the problem. I contacted XXXX  XXXX XXXX by phone the same day ( XX/XX/XXXX ), and they sent a letter dated XX/XX/XXXX, stating the account is being reported to file. I submitted a certified letter to TransUnion dated XX/XX/XXXX, asking them to reinstate the XXXX  XXXX XXXX account to my credit report ( attached ) based on the XXXX XXXX XXXX investigation results. TransUnion responded by deleting XXXX  XXXX XXXX # XXXX and XXXX XXXX # XXXX from my credit report ( resolution letter attached ). 

I am requesting assistance with reinstating the following accounts to my TransUnion credit report : 1 ). XXXX XXXX XXXX # XXXX ; 2 ). XXXX  XXXX XXXX # XXXX ; and 3 ). XXXX XXXX # XXXX. 

If you need any further information, please let me know. Thank you for your time and attention to this matter. 

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

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX no account number Unverified Account 2. Chapter XXXX no account number unverified account Thank You, XXXX XXXX Attached : Copy of my Social Security Card & Drivers License is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

My Address Shows in Equifax as : XXXX XXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL. XXXX. 
My Address Shows in XXXX as : XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 
My Address Shows in XXXX as : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL. XXXX. 
The correct one should be : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Student loan

XX/XX/XXXX submitted original PSLF documentation - it wasn't approved then was resubmitted in XX/XX/XXXX still not approved and stating it is being reviewed XX/XX/XXXX applied for XXXX XXXX via tlephone was told it was approved then found out it wasnt in XX/XX/XXXX because of system glitch called XX/XX/XXXX stated it was denied because needed supporting XXXX but was never informed what these were sent in what was requested was told it would be XXXX XXXX days called XX/XX/XXXX they told me there was a delay and they put forbearance on my loans until XX/XX/XXXX XX/XX/XXXX it was viewed as pending missing documented despites confirming on XX/XX/XXXX everything was received told to call back called back XXXX was told they had everything give it XXXX XXXX days - spoke w/ XXXX called XX/XX/XXXX was told missing recent paystubs NO ONE at this point told me that was needed was told once it was received my application would be expedited they refused to give an extension on loan payment and told me id have to call back if documents weren't received to avoid the $ XXXX current requested payment on XX/XX/XXXX XXXX informed me she doesn't know how long it will take, couldn't give me an email or phone number of a direct specialist, I was again told to call back and check in XXXX - 7 days I have spent over XXXX hours on the phone trying to work this out they continue to charge me daily interest when they haven't resolved my payment plan issues
Product: Student loan

I contacted SallieMae in order to discuss repayment options as I am unable to make the payments as they are scheduled. SallieMae told me that they do not offer any opportunity for consolidation or refinancing of their loans. They conned me into taking these loans ( I thought they were still affiliated with the federal government as before but they are now private which is deceiving ) with sky-high interest rates that have now increased the loans substantially and I am unable to pay them as they stand. They are expecting at minimum a {$600.00} to XXXX XXXX  monthly payment for my loans when I make a total of XXXX XXXX monthly. This is over 30 % of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES!


I AM SHOWING  INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES?

DATE	COMPANY	ADDRESS	REQUEST ORIGINATOR	
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX		

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX I DO NOT HAVE ANY OF THOSE ACCOUNTS OR EVVEN APPLIED FOR THOSE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax, XXXX, and XXXX. I believe that these entities are violating the Fair Credit Reporting Act ( FCRA ) by requiring consumers to pay a premium subscription in order to file a complaint. 
I recently received a business credit card from XXXX XXXX. XXXX XXXX made a hard inquiry on my personal credit report, but they also reported the business credit card to my personal credit report. This was illegal under the FCRA, as the FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I tried to file a dispute with Equifax, XXXX, and XXXX, but they all required me to pay a premium subscription in order to do so. This is a violation of the FCRA, as the FCRA gives consumers the right to dispute inaccurate or incomplete information in their credit reports for free. 
I am requesting that the CFPB investigate this matter and take appropriate action. I believe that Equifax, XXXX, and XXXX are violating the FCRA by requiring consumers to pay a premium subscription in order to file a complaint. 
Also i am writing to dispute the following information in my credit report : Hard inquiry from Capital XXXX on XX/XX/2023 Business credit card account from XXXX XXXX I did not apply for a personal credit card from Capital XXXX. They sent me a XXXX Credit Card for XXXX XXXX. The hard inquiry and business credit card account are both inaccurate and should be removed from my credit report. 
I am a sole proprietorship and my business is legally separate from me as an individual. Capital XXXX is aware of this because I provided them with my business tax identification number when they sent me the business credit card. 
XXXX XXXX 's actions in making a hard inquiry on my personal credit and reporting the business credit card to my personal credit report were illegal under the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from reporting information about business credit accounts on personal credit reports. 
I request that you investigate this matter and remove the disputed information from my credit report. I am entitled to have accurate information in my credit report under the FCRA. 
Fail to remove this inaccurate information will result in my company filing a complaint with the Federal Trade Commission ( FTC ) because If an entity violates the FCRA, they are liable for damages, including actual damages, punitive damages, and attorneys ' fees. The amount of damages that can be awarded depends on the specific violation. 
Here are some of FCRA violations in this particular case : XXXX inaccurate or incomplete information in a credit report. 
Failing to investigate a dispute in a timely manner. 
Failing to correct inaccurate or incomplete information in a credit report after it has been disputed. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX I hope this is helpful. Please let me know if you have any other questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX and XXXX.Please remove in accordance with the fair credit reporting act.
Product: Debt collection

OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?
Product: Vehicle loan or lease

I have set up payments with XXXX financial and someone goes in a changes the date of my payment for their benefit. I set up a payment through my ACH to be ran on XX/XX/XXXX. The XXXX was processed for XX/XX/XXXX. I reached out to them to let them know about this error but no explanation was given. It happened again, I set up payment to be ran on XX/XX/XXXX but it was ran on XX/XX/XXXX. This company is known for shady practices, their employees are rude and move around customers payments to benefit them and their numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
EQUIFAX, XXXX and XXXX, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX which I have attached where their Manager at the XXXX, Washington office clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX  states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX as well as EQUIFAX, XXXX, AND XXXX  is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.
Product: Credit card or prepaid card

I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS MILESTONE ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, MILESTONE IS STATING THAT MY XX/XX/2022 PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$120.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX NA XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I work until XXXX XXXX  and its hard for me to really talk to any one about any thing I get up about XXXX XXXX  but I'm not sure on or what to say to them I'm just getting bye with the coast of every thing and I'm behind on my rent so I'm about to lose my housing and be come Homeless again I'm seeking help in mental Issues from my past when I was Homeless and my EX husband has past away in XX/XX/XXXX  and my work is cutting hours I'm hoping that they will pick up I work in REATIL I use to do this XXXX XXXX but like I have said with the price of every thing I need Help thank you XXXX XXXX XXXX you can call me XXXX ) XXXX about XXXX I should be good to talk with I will try and be calm but I have no one to help me with much of any thing I just work work and work if I can but I only work for one company and I take money out on my XXXX loans as well so I, m doing what I can Thank you
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents
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 XXXX XXXX # XXXX account XXXX XXXX  # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX account XXXX XXXX # XXXX XXXX XXXXXXXX account XXXX  # XXXX 15 U.S.C1681 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 items of information, other than records of convictions of crimes 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this invacuate this is causing me not to get a place to live apply for credit cards a new truck to work.
Product: Mortgage

I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX. While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.
Product: Credit reporting or other personal consumer reports

I recently disputed multiple accounts on my credit report with Experian, requesting verification under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Experian responded stating that the accounts were " verified, '' but they did not provide any supporting documentation, such as proof of my signature or a detailed explanation of their verification process.

Many of these accounts were sold to collection agencies, and I also sent debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). The collection agencies failed to provide proper validation, including : Proof that I legally owe the debt ( including a signed agreement ).

A breakdown of charges ( principal, interest, fees, payments ).

Documentation proving they have the legal right to collect this debt.

Since neither Experian nor the collection agencies have provided the legally required verification, I am requesting : Experian : Provide detailed documentation proving the accounts were verified. If they can not, they must delete the disputed accounts from my credit report.

Collection Agencies : Provide proper validation of the debts or cease collection activities and remove the accounts from my credit report. 
CFPB Intervention : Ensure Experian and the collection agencies comply with FCRA and FDCPA regulations. 

I have already attempted to resolve this issue directly with Experian and the collection agencies, but they have failed to provide the required documentation. 

I request a full investigation and that these accounts be removed if they can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document and add documentation to submitted complaint for Equifax XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

I am currently a Bbva customer, I have been charged nsf fees in the amount of $ XXXX.They stated that I didnt have funds available. As a matter of fact, I had more than available funds in the account to cover the transactions. This bank is operating just like XXXX XXXX used to do, they hound you like crazy when you go into their branches and when its time for them to resolve an issue for a customer, theyre no where to be found.