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

I am XXXX XXXX and I am submitting this complaint myself. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my report. Below are the inquiries thatare still reporting on my report and needs to be REMOVED COMPLETELY FROM MYCREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act., XXXX XXXX and Transunion has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove the listed account immediately Account Name : XXXX XXXX Account XXXX : XXXX
Product: Debt collection

I have repeatedly disputed two accounts for the past few months and no action has been taken on their end to resolve or dissolve this issue. It has caused so much stress and worry in my life due to the negative impact it has had which disqualifies me for many things. As as single mother to XXXX boys ( who recently lost their father ) I am running low on time to continuously battle this fight. 

The two accounts I have bee disputing is with XXXX XXXX as well as XXXX XXXX, both with the same lender. 

The amount reflected on my credit for XXXX XXXX as a charge off is : {$1800.00}. 

Amount reflected on my credit for XXXX XXXX is : {$3300.00} I have disputed these accounts countless times and although the companies/lender can not provide proof of my responsibility they remain on my credit file. 

Kindly assist me with this matter Sincerely, XXXX XXXX
Product: Mortgage

I have been trying to get my mortgage modified with Wells Fargo Home Mortgage for over 7 months without success and recently the lawer they hired to try to collect sent me a debt collection notice and on it, it states that I have 30 days to respond after receiving the letter if I dispute the information. I responded quickly to their letter by fax ( attached ) and by phone to the lawyer and told them I was reviewing the information and will get back to them shortly. The lawyer then sets a sheriff sale date for the house WITHOUT allowing me the legal 30 days to review or dispute the original debt collection notice from them.
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 name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 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 accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX KY XXXX XXXX Subject : Incorrect Outdated Address on Credit Report Description : This is my second complaint regarding XXXX refusal to remove an outdated address from my credit report. Despite providing evidence of my current address, XXXX continues to report my previous address, Outdated Address : XXXX XXXX XXXX XXXX XXXX. XXXX KY XXXX, which is incorrect and negatively affects my ability to buy a house, buy a car loan, employment securing credit and updating records.

I request that XXXX be directed to promptly update my address information and remove the outdated entry to ensure my credit report is accurate and fair. Documentation of my current address and previous dispute communications with XXXX are attached for review. 

attached Driver License with current address and utility bill XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i did not recieve any medical attention nor would my actual medical history reflect that
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
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 the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 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, Experian 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 Experian 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  NA XXXX Date opened XX/XX/2021 Balance $ XXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized actions taken by XXXX XXXX in relation to my business account. My name is XXXX XXXX XXXX XXXX XXXX and I am the sole proprietor of XXXX XXXX XXXX, which is a limited partner with XXXX XXXX XXXX. I recently discovered that XXXXXXXX XXXX had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. Considering these circumstances, I have sought legal counsel and have retained the services of Attorney XXXX XXXX to address this matter. I am hereby requesting that XXXX XXXX rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Product: Debt collection

Account Name : PROG MGT SYS Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

KIMBALL TIREY ST. JOHN has reported an erroneous collection to my credit report ... Supposedly collecting for XX/XX/XXXXXX/XX/XXXX I have requested validation of this debt on XX/XX/XXXX via certified mail, but did not get a response back from them until after end of XXXX .... In their attempt to validate this debt they provided ledger ( hand written XXXX from XX/XX/XXXX but NO signed contract or proof of previous notice of collection at all ... I contacted XX/XX/XXXXoriginal creditor who could not even find this account and with my findings I responded to Kimball Tirey St John with no avail from them .... they are still reporting this erroneous collection on my credit report and have been reporting it since XX/XX/2018 however docs they provided shows they did NOT purchase this collection until XX/XX/2018 ....
Product: Debt collection

Bonded Adjust has a claim on my file for {$1700.00} since XX/XX/2011! i have been wondering why my credit is so bad and why i have n't been able to attain certain things that rely on credit and this is the major reason! i know this is from a XXXX XXXX i had and I 'm guessing its for the XXXX but at that time i was under my parents insurance being i was only XXXX. this has been on my credit for years and i had no clue about it this is absurd and is killing my credit. i am XXXX years old trying to start up my first business, take care of my family and this stupid medical debt coming from a broken Medical care system is crippling me and my family. please help me get this taken care of. thank you God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Inconsistent reporting by XXXX, XXXX, Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Product: Mortgage

I have a HELOC with Citizens bank and I recently lost my job. Several attempts to resolve payments options with the bank on the HELOC account has been unsuccessful as the bank refuses to help but insist payment. I missed one payment and the bank went into my other personal account with the same bank, without my authorization to withdraw payment. That is our only emergency money for food, and now my family has nothing to live on. Every, attempt for Citizens bank to return the money has been unsuccessful. 

I need Citizens bank to return the {$670.00} they took from my unauthorized account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment entry on my credit report associated with XXXX XXXX XXXX  XXXX, account number XXXX. This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 USC 1681, Sections 602 and 604 ( 2 ), as well as 15 USC 1666b. 

Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/year> Amount : {$460.00} Violation of FCRA ( 15 USC 1681 ) : The inaccurate late payment entry is a clear violation of the FCRA, which mandates accurate and fair credit reporting. 
Violation of FCRA Sections 602 and 604 ( 2 ) : These sections outline the responsibilities of credit reporting agencies to maintain accuracy and the permissible purposes for which credit information can be furnished. The false late payment entry fails to meet these standards. 
Violation of TILA ( 15 USC 1666b ) : This section of TILA requires creditors to promptly credit payments. The alleged late payment was actually made on time and should have been credited as such.
Product: Mortgage

We made our mortgage payment on XX/XX/XXXX through bill pay with my credit union. We have been using this method since our loan was sold to BSI Financial in the summer of XXXX. We chose this method because their app and website did not work efficiently. My credit union says it should be delivered by the XXXX. We started receiving calls on the XXXX, that it has not been paid. We continue to get these calls for a week, and they had excuses as the USPS holds bank checks like that or it has to be lost in the mail. I can understand a week but not 2 and 3 weeks. They had no other explanation, my bank unfortunately does not have tracking on the mail and this is the first time it has been lost but not the first time that it has taken 5 to 7 days to process, which is a monthly occurrence. We were charged a late fee which one representative said would be waived. After 15 days ( XX/XX/XXXX ) we cancelled the check through my credit union to pay on their app. Somehow my checking account number ( which was correct ) would not work. I tried it on their website and received the same message. I did a chat with my credit union to see if I should be using a different number or a different combination. They gave me suggestions of taking off the first two and last two and a combination of those. Nothing worked. I called up on XX/XX/XXXX to see what account number I needed to use, they offered to complete the payment over the phone for {$20.00}. I told them I would not pay the {$20.00} because I should be able to do it online like I was trying. She, rep XXXX, agreed to waive it and my account number, the same number I was using online. I asked that I be contacted on how I can make the payment online since we are running out of efficient and effective ways of paying our mortgage in a timely manner and our payment is due at the end of the week. The app does not work, the website does not work, a check mailed from the bank does not work. The only thing that works is something that insures more fees for them. During this process we checked reviews and others have had the same issue we have had, and have had issues with their home owner policies being processed in time, they end up trying to have them have their own high premium policy despite it being sent. They are also not supported by the XXXX  and have the same negative reviews. We recently received a letter from the county reminding us to make our property tax payment that is paid through our escrow. It says it was processed on XX/XX/XXXX on the BSI app but we will see if it sent to the county in time. We have asked to speak to managers, supervisors and others and nobody calls us back. I have not received a email or call about the app and online issue despite speaking to the rep and sending an email that same day. Each contact we have had we asked that our loan be sold as we do not wish and did not choose to do business with them, and have received no response. They are a predatory company that are trying to make more money off people trying their best. Today XX/XX/XXXX I checked and my next due date is XXXX and we owe {$48.00} for May. Im not sure how that work?
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I have disputed my address information on my credit reports with XXXX, Equifax, and XXXX. I have only one current address that should be on my account and all the other addresses should be taken off. I have filed many disputes even to get my credit reports correctly updated. My student loan accounts on my credit are numerous for one company XXXX. When I should have only one account for my student loans. But its spread out on my credit report. I want that fixed as well. Lastly, I have disputed companies on my credit to verify that the accounts are involved in litigation and once their investigated it still says its correct but its not most of the accounts are involved with litigation and should have been removed from my credit but there still there. These companies or XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, and the XXXX company. My current address is on my license.
Product: Debt collection

I disputed their information. I sent proof of payment. I contacted original creditors and was told since the employee that sent me the email is no longer working there they cant do anything and the email I received is not valid and they can only go off what is in their system. After that the collection agency updated my credit file to demonstrate a more recent delinquent date. I moved from these apartments in XX/XX/XXXX. They did not report this until after a year later in XXXX, when I never even owed this amount in the first place. When I was purchasing my home in XXXX, I found about this debt and had to pay it off for home qualifying purposes. I was assured i would receive a debt deletion letter which was never received. However, Now with their new update I am being told that his will not be removed until XXXX or XXXX, almost 10 years. I have been disputing this charge for years and have provided this agency ample opportunity to make corrections without any resolution but rather more frustration. As the letter that they gave me says I wont dispute the credit card, I have never had a credit card with them.
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my credit report under XXXX XXXX Account number XXXX XXXX DELETED the account after their investigation but the accounts are somehow returning back as validated for XXXX AND EXPERIAN. 

Under 15 USC.1681b 15 USC.1666, 15 USC 1666b 15 USC 1681S2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report. 

XXXX is reporting that 75 % of the debt needs to be paid off and the balance is {$4800.00} and the account status was updated XX/XX/XXXX. 

Experian is reporting that the account was charged off at {$5600.00} and the past due balance is {$4800.00}. It also reflects on XXXX that the account was closed XX/XX/XXXX. 

This account is being reported as charged off but every month the credit bureaus are reporting a balance instead of marking it as {$0.00}. 

Experian is reporting the account status being updated XX/XX/XXXX and XXXX reports the account as being charged off and being modified XX/XX/XXXX. 
The dates, payment history and balance amounts do not meet FCRA.
Product: Debt collection

my name is XXXX XXXX and i got a call from a debt collector for XXXX and it has the wrong complaint number on it but the account is closed and now they are trying to collect i know u sent it to XXXX XXXX   a XXXX know im getting phone calls for a closed account u sent it to the ftc and they are still trying to collect XXXX XXXX XXXX says i owe XXXX for a XXXX XXXX XXXX i dont have could u please send the right complaint to them
Product: Student loan

My federal student loans were placed in deferrment multiple times as my servicer changed. I'd like to back pay these months to count toward my PSLF counts. I've reached out to Fed Loans ( my current servicer ) and USDoE multiple times but have never received a response.
Product: Mortgage

House is scheduled for foreclosure XXXX XXXX, 2016, the foreclosing lender is not in the chain of title for this alleged loan and in fact it appears that the alleged loan and mortgage or invalid. Attempts have been made to resolve the problems with this current " stranger Lender '' but they simply refuse to cooperate. They have never attempted to resolve the debt, make attempts to restructure or otherwise work with the homeowner. Additionally this is an 80/20 loan and the homeowner never received the 90 day letter or any other statutorily required opportunities to resolve this alleged debt.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account : XXXX XXXX  ( Open Date : XX/XX/year> ) XXXX XXXX XXXX ( Open Date : XX/XX/year>XXXX  )
Product: Credit reporting

My bankruptcy was XXXX/XXXX/09. Should n't this now be off of my credit report?