23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX 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. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Credit card

I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX **** Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX XXXX open date : XX/XX/2019 XXXX
Product: Student loan

I contacted XXXX XXXX XXXX  to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact FedLoan Servicing as my loan had been transferred to that company. 
On my first contact with FedLoan Servicing, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, XXXX, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX   company. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX Mortgage report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX  reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX card was paid in full in XX/XX/2018. I personally bank with XXXX. XXXX notified all THREE BUREAUS that the ACCOUNT WAS PAID IN FULL AND CLOSED AT THE CUSTOMERS REQUEST. Transunion, not only has NOT updated the information despite being contacted no less than 5 times, but even TODAY they still have it that I have an outstanding balance of {$6500.00}. This is VERY DAMAGING TO MY CREDIT SCORE. Attached, is a copy of the Statement, as well as a copy showing that the account is closed and PAID IN FULL.
Product: Mortgage

In XX/XX/XXXX I submitted a request for a property valuation for the purposes of PMI removal. The valuation was lower than I expected, but after reviewing the comparable properties, seemed fair. 

In XXXX I submitted a second request. Once again the valuation was lower than I expected, however when I reviewed the property valuation, I noticed several issues. One bathroom was totally omitted from the valuation, and the sale of one comparable property was more than 6 months old. 

On XX/XX/XXXX I mailed a letter detailing my issues with the complaint. After a few weeks of no response, I called and was told I needed to submit my complaint to an email inbox. 

I submitted my complaint by email, after a few weeks of no response, I called again. This time I was told my letter was missing two pieces of information needed to qualify as a dispute. ( print signature, and loan number ). This information had not been provided to me at any previous point of contact with Flagstar. 

On XX/XX/XXXX, I submitted my complaint again, by email, with the required pieces of information. I received no response. 

In midXXXX, I received a letter dated XX/XX/XXXX that my loan had been sold to XXXX XXXX. 

I called at the end of XXXX, and was told that my appeal was denied, and that it is not Flagstar 's practice to respond to disputes. This I believe Flagstar stonewalled me until my loan was sold.
Product: Debt collection

XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.
Product: Checking or savings account

PayPal took money out if my checking account without authorization. I chose PayPal credit as my funding source for a transaction, they informed me immediately that it was approved ; however, 2 days later the money was removed from my checking account without authorization. 
In the past, I have been informed that PayPal credit isn't available and to chose a 2nd funding source, in this case, PayPal took it upon themselves to remove the money from my bank, unauthorized and they refuse to correct the situation
Product: Debt collection

SCA Collections are reporting multiple medical bills on my credit report. I was alarmed to recently find these account on my report because I never received a notice of my right to dispute these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below 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 XXXX XXXX XXXX XXXX XXXX, 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

On XX/XX/XXXX I sent a check in the amount of {$20000.00} for a vehicle loan on a XXXX XXXX XXXX. On the check we put the last XXXX of the XXXX and make of the XXXX vehicle. We also have a XXXX auto loan with XXXX for a XXXX XXXX. They mistakenly applied the XXXX XXXXXXXX check to the XXXX and reported the payment for the XXXX as late on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX to find out what happened and this is when I found out the XXXX XXXX was being applied to the wrong account and was in pending status. With the XXXX XXXX representative on the phone, we called our bank on a XXXX way call, put a stop payment on the XXXX XXXXXXXX check going to the wrong loan & made an XXXX transfer for {$22000.00} on the XXXX vehicle loan all in the same call which posted XX/XX/XXXX. XXXX still kept and reported the payment as late. This dropped my credit score from XXXX to XXXX, nearly XXXX points! XXXX has not reversed this and after I called XXXX again to ask why not, they are still refusing to do so and said they will not open an inquiry or provide updated non-late status of the payment. This in turn reduced available credit on credit cards that took years to build up. Thanks XXXX.
Product: Debt collection

Synchrony Bank account open XX/XX/year> for the amount of {$5100.00}
Product: Checking or savings account

My account with Suncoast Credit union was hacked on XX/XX/XXXX. They emptied my account of {$XXXX}. The XXXX XXXX only returned {$XXXX}. They refuse to pay the rest back. I've spoken to representatives daily. They claim because it was done using a digital wallet there's nothing I can do. I need help
Product: Credit reporting

I have sent many letters to Experian over the last 4 months asking them to delete the information i requested from my credit reports UNLESS they could verify they were mine. They have sent me back my credit report stating they verified the information yet sent me back no paperwork. According to the FCRA if they cant really verify the information they have to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Many times where funds were in my account, it so happens that a payment wasnt posted in time so they charge an overdraft fee. Its happen so many times Ive lost XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX with National Credit Systems in XX/XX/XXXXto collect debt from a previous landlord ( XXXX XXXX  ). I explained that this debt was not owed and I was not informed of this prior to her phone call which was 3 months after I moved out. I explained that I wanted to dispute it. 

A letter was sent to my Mother in Law 's home in XX/XX/XXXXstating my dispute was denied for insufficient documentation. 
When I called to speak with XXXX she was aggressive, uninformative, and hung up on me when I asked questions. 
I asked simple questions such as who would I be paying? And was told her client is disclosed. I am not able to obtain the owner 's information. 
I asked her how the process works and she got defensive and asked if I am going to pay or not? And would not give me any information about her company and their process. 
XXXX was the rudest person I have ever encountered. She had no intentions on assisting me with resolving this issue. 
The only thing I gathered is that I can not dispute the charges with ANYONE because she will not give me the owner 's information and she is not willing to discuss my dispute. 

I read reviews calling this company a scam and I fully believe it. My credit score is severely damaged and I am unable to resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised with these companies.XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX and A lot of repeated inquiries
Product: Checking or savings account

The date was Tuesday XX/XX/year>2024 around XXXX XXXX. I had made a deposit with my XXXX XXXX debit card at PNC Bank at XXXX XXXX XXXX, XXXX, TX XXXX. I tried to deposit {$1700.00} to my checking account, but at the very last step ( processing ) it said transaction error, gave me my card back, and took my money. I called them ( PNC ), and they said that I should file a dispute with my ( XXXX ) bank. I did so with the fraud division, and they are investigating the issue as well. There were live recordings of me going through the atm, then the teller drive through twice to talk with the teller about the problem. I just need the funds for my bank account. Please help.
Product: Mortgage

I have a complaint with DITECH, which on my credit report lists itself as XXXX different entities which are : DITECH FINANCIAL LLC, DITECH FIN, and DITECH. 
DITECH has made inquiries to all three credit bureaus : XXXX, XXXX, and XXXX in the last quarter. They are indeed my mortgage company. In XXXX 2016, when I made my mortgage payment, they applied the wrong amount, thinking that my check read {$1000.00} less than what it was. I have proof and the cancelled check that they made an error ( which they admitted to ) ; they sent me to DITECH Collection Agency, which I have never been to a collection agency in my entire life, which informed me that they realized their error and would fix it. However, they never did. In XX/XX/XXXX, they told me that I was late on my payment, XXXX weeks after they received the payment and the check was cashed. In XX/XX/XXXX, they did the very same thing. I called them each and every time, spoke to various people in their collection agency, who promised me that they would send me a letter of apology and certainly never report any of this to the credit bureaus as this was their error. I never received the letter, and just knew they would not keep their word, which they did n't. They have made XXXX inquiries under the names listed above, which has resulted in my credit score going down. I am also a victim of identity theft, which also brought my credit score down, but I am sure that you know, as I do, that when a mortgage company sates that you are late with a payment, your score goes down even more drastically. I need them to stop making inquiries to the credit bureaus, as every time they do it lowers my credit score. I would like a letter verifying that they have retracted the false information. Once again I will reiterate that all of my payments have not only been on time, but they have been early.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX Consumer Adjustment XXXX Consumer Adjustment XXXX Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Consumer Adjustment XXXX Consumer Adjustment XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators  report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The fax number to reach TransUnion either directly or though XXXX XXXX ( a wholly owned subsidiary of TransUnion ) is no longer working. 

I called and was unable to get through to a live rep at TransUnion however I have spoken to a representative at XXXX XXXX and they state the no longer accept information by fax as it states on their submission page here : XXXX XXXX XXXX They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL UNRECOGNIZED ACCOUNTS SHOWING ON MY CREDIT REPORT. I AM DISPUTING THE FOLLOWING ACCOUNTS XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. I HAVE REQUESTED DOCUMENTATION A FEW TIMES IN XX/XX/XXXX AND XX/XX/XXXX. I NEVER GET ANY CLEAR ANSWERS OR PAPERWORK. THESE ACCOUNTS ARE FRAUDULENT. I DISPUTE THEM UNDER FCRA 623, 611, AND 605B.
Product: Debt collection

Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.
Product: Credit reporting

Personal information has my name as XXXX XXXX. My name is not that. My name is XXXX XXXX XXXX ONLY!