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

I have reach out to TransUnion, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX 1st letter XX/XX/2023 and then XXXX XXXX XXXXer XXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through Transunion. 
Other accounts were removed do to the identity theft but these additional have not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX never received a first payment when credit card was open has different name and address. 
XXXX XXXX had a different name, address and was not able to find my account information with my correct information till I provided to them in the first letter. 
XXXX had a different name and address and was remove from XXXX but not from Transunion. 
XXXX XXXX was sold to another lender and had a different name and address as well. 
XXXX has also been contacted regarding Hard inquiries that I did not authorized and I have sent them a letter and filed a dispute on line and I have not been able to get them removed. They also have different addresses and name. I requested additional information but the only response I get its that the it belongs to me. 
XXXX and XXXX that I have not requested credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I wrote Midland Funding a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX MI XXXX tracking number XXXX. XX/XX/XXXX Midland Funding received my request. It has been 31 days since I sent my request inquiry and I have NOT received any information back from this debt buyer. The specific information I was requesting was Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX  XXXX. 
Last payment made on the Original Creditor account with XXXX XXXX. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Midland Funding LLC or Midland Credit Management whom ever they represent themselves as has failed to respond to my inquiry within 30 business days not including holidays and weekends which is a violation of the FDCPA and FCRA. This company is reporting different information to XXXX XXXX and XXXX and all 3 companies have Verified as Accurate this account or updated the account. I do not know which consumer reporting agency is reporting accurate information because all 3 agencies report different information. 

* XXXX Verified as Accurate this account on XX/XX/XXXX file number XXXX with a 7 year purging date of XX/XX/XXXX and a past due dollar amount {$8400.00} currently reporting. They claim that this account was closed on XX/XX/XXXX all while reporting the Account Type as Open. The Original Amount reports {$8400.00} while the Balance and Past Due report {$8400.00}. There is no reason why the balance and original amount should be different. 

* XXXX generated me results for this account on XX/XX/XXXX confirmation number XXXX with the date of delinquency date of XX/XX/XXXX. The high credit reports {$8400.00} with a balance and past due of {$8400.00}. The account type reads Open with a Payment History reporting 120-149 days past due. 

* XXXX generated me with results on XX/XX/XXXX report # XXXX with the 7 year purging date of XX/XX/XXXX. The Original balance reports {$8400.00} while the balance reports {$8400.00}. The current status reads {$8400.00} past due and a Payment History is being reported. Midland has updated information with experian but refused to answer to my inquiry letter? How is that legal? 

This is why I requested information directly from the source in clear explanation and this company refused to answer to my inquiry and send me what I had requested. If this company had the information on file then they should have no problem supplying me with this specific XXXX questions.
Product: Credit reporting or other personal consumer reports

Company is displaying inaccurate information about my employer. Credit reports state that XXXX and XXXX are my employers. This is old and inaccurate information. I would like it removed.
Product: Credit reporting or other personal consumer reports

This is the several endeavor I've complained about the items in my credit file. You reported this account as accurate and verified, how can it be because the account is deleted or not reported in other Bureau. You are reporting deleted account in other Bureaus so you must remove this account in my report ASAP. 
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
Product: Credit card or prepaid card

I booked travel through chase rewards using points earned from past purchases in XX/XX/2020. Soon, all flights were cancelled because of XXXX. Chase offered to act on my behalf with my permission to cancel flights promosing to refund my balance. Instead they offered air credit through the airline i was supposed to travel with. Airline refused to refund even though the pandemic was ongoing. Chase refused to help or even file a claim.
Product: Credit reporting or other personal consumer reports

This address is not correct. I'm not sure why they can't get it right but it's wrong. I've tried calling them before regarding this and their " excuse '' was that someone sent it to them that way. No one would have done that as the creditors I deal with got the address correctly directly from me, as well as I update it on line myself so there's no chance of someone else getting it wrong.
Product: Student loan

I have been trying to complain to cfpb and other various organizations about XXXX XXXX XXXX, and every so often I try again until one day you will all see how truly corrupt and what a crock they are. I have tried to contact the BBB in New York and they tell me this company does not exist and yet somehow they seem to send everyone from my generation who took out student loans into default and collections for no reason at all. All of my other student loans are in good standing and yet I am to believe that this one is the one I dropped the ball on? Now that you have gained more media attention for not providing any paperwork as to who actually owns our loans I think I 'll send this complaint one more time. I am tired of being in collections/default for over 5 years and no one has done anything about it. I took out loans in XXXX and XXXX for school and yet you fail to provide any information or requests to my emails and/or complaints or demands. Your response is always just shy of 30 days just to get you out of further action and yet the response you send on here can never be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is responsible for my credit score to deceased tremendously. 
I apply for XXXX XXXX credit card with a high credit score. No negative Credit reporting, no missed or late payments. Small debit with no hard Inquiries. I first check on my computer under Experian to see if it was lock For fraudulent security alerts and it was open. I open and close it periodically. 
I when on to XXXX XXXX within 20 minutes to apply for credit ( declined ). 
I stared received alerts from Experian stating your score has decreased. 
I eventually received a letter from XXXX XXXX stating we have denied your Application unable to verify credit reference due to security alert. 
I am an older diverse individual with a large family income that stays on top of it Credits. I felt low and embarrass at the store. 
Experian stays in your accounts not always in a helpful way. 
I want my credit score to be put back where it was by EXPERIAN wrongdoing. 
I also want that Experian XXXX XXXX  XXXX taken off my report. 
That account is closed with a XXXX balance. 
Why these company states they are trying to help everyone open credit When they cant move an inch finding information to help individual.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX XXXX  Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has resulted in the appearance of an account that is both unknown and inaccurate. This is deeply concerning, as it affects the accuracy of my credit profile and could lead to further complications.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint regarding an issue with XXXX XXXX XXXX XXXX and Equifax. I recently applied for an auto refinance loan through XXXX XXXX XXXX XXXX, but they are unable to retrieve my credit report from Equifax. The credit loan officer has informed me that my personal information does not match their records, and every time they request my credit report, nothing is returned. 
I have contacted Equifax multiple times, and they have confirmed that there is no freeze or fraud alert on my file. I have also verified that there are no errors in my personal information within their system. Despite this, XXXX XXXX XXXX XXXX still can not access my credit report, preventing me from proceeding with my loan application.
Product: Vehicle loan or lease

Complaint under the Federal Fair Credit Reporting Act ( FCRA ) I applied for a {$25000.00} auto loan on XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( application # XXXX ), while at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Colorado XXXX, CO XXXX. Hard inquiries appear on both my XXXX  and XXXX  credit reports from both XXXX XXXX and XXXX   XXXX XXXX on this date. XXXX XXXX declined my application stating in writing that I have a previous repossession with their company. They have refused to give me any additional information or even speak with me. I have never had a loan much less a repossession with XXXX XXXX or any other company. Additionally, my credit reports are clean and do not contain a repossession or any negative information. 

I believe that I am a victim of identity theft. Under the federal Fair Credit Reporting Act ( FCRA ) I have the right to any and all information XXXX XXXX has on file about me and to dispute any and all inaccurate or erroneous information. 

Again, I have never had a loan or cosigned on a defaulted loan with XXXX XXXX or any of its affiliates. Nor, have I ever defaulted or cosigned on a defaulted auto loan of any kind from anyone. Therefore, I dispute the information XXXX XXXX has in their files as false and it must be removed. 

Contacts I have made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Very Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I contacted transunion about a debt collection that was added to my credit report and filed a dispute but I feel that nothing has been done, I let them know that I have a active fraud alert on file with transunion and current FTC identity theft report and had provided all paperwork requested to them but they have l done nothing to resolve this issue, I made them aware that I have never lived outside the state of West Virginia and that I recently moved from XXXX West Virginia to XXXX West Virginia and that I have never lived in the state of Texas and I provided bills and bank statements to show my address at the time this account was opened in Texas and that I have never authorized anyone to open an account in my name
Product: Debt collection

a debt collector that is not licensed in my state is attempting to collect a debt they do not own I have asked via USPS certified to provide me proof that they in fact are the creditor and provide proof that I own the debt as well as proof they can collect in my state they have failed to provide me with that information.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

In XXXX the truth in Lending disclosure I was provided by the Lender discloses a grossly inaccurate APR or finance charge. If the disclosed APR is correct then the disclosed XXXX XXXX is understated or if the disclosed XXXX XXXX is correct the disclosed XXXX is overstated. In either case the error is far outside allowed tolerances. If this transaction was closed than the lender committed a crime, and if not closed then I have been deceived by the Lender and I recind the contract. Examples below. Also in the months around XXXX XXXX XX/XX/XXXX, I mailed certified, Notarized to WELLS FARGO NA 3 ( three ) affidavits. Notice, Notice of non-response, and Notice of default. First requesting certified copy of the original Note. WELLS FARGO NA admitted in their correspondence that, the " documents submitted for payoff of the account, don't meet the terms of the Note because items submitted for payoff were not legal tender. Funds used to payoff your note must be US currency ''. WELLS FARGO RESPONDED!

" We recognize that you ask us to respond with a certified affidavit that went through your inquiry line by line point by point, and we have determined the item you requested is considered to be confidential, privileged and or proprietary information of Wells Fargo, and for this reason, we are unable to provide the documents and information in the manner requested ''. Also from Wells Fargo, " the documents you submitted for payoff of the account don't meet the terms of the Note, because the item you submitted isn't legal tender. Funds used to payoff must be US currency. Please be aware further escalation will not change our response to this matter. ''
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 appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was not properly protected by Equifax and I am now at risk for identity theft.
Product: Credit reporting or other personal consumer reports

Transunion changed my credit score down by XXXX points. The reason for this appears to be about credit inquiries. The feedback they provide through a website is that I had 3 inquiries in a 6 month period. When I click into the site to see what the inquiries are, there were 3 inquiries made on a single date ( XX/XX/2024 ), which is directly related to the purchase of a XXXX XXXX XXXX XXXX for my business. I approved a single dealership in colorado to pull my credit, which apparently pulled for 3 financial institutions. One of which eventually produced the loan. THe policy that transunion posts online is that if the same kind of inquiry is made multiple times within a 14 day period, they will count this as a single inquiry. But the website hosted by transunion ( or provided information from transunion ) is counting this as 3 inquiries and these are the only inquiries listed against my account. I tried filing a dispute but they don't allow you to dispute this online. I tried chatting through the transunion website and they referred me to a transunion call center. The first agent did not seem to understand the issue and simply offered to send me my report. So to be clear, I am complaining about the calculation process transunion is conducting. They are counting 3 inquiries incorrectly. And they calculate my total credit to used credit balance incorrectly because they don't include credit from all my credit cards.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.
Product: Mortgage

Every time we call 21st Mortgage they bully us. We made a house payment today but was still gon na be behind 1 payment. We recently had our vehicle break down ( had to pay XXXX $ out of pocket ) and we lost one of our fur babies very unexpectedly earlier this week ( another XXXX $ ) The supervisor we talked to said, he thinks we could be doing more and asked why my wife who is XXXX didnt work. No one should have to disclose that they are XXXX because of XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They also have called the community office attempting to collect private information about us. Asking them if we were current on the land rent. They are predatory debt collection practices and they need to stop.
Product: Debt collection

Ive never had any business or contract agreements with credit collection services. My usps tracking shows me that this company received my certified mail on XX/XX/year> which enclosed me requesting proof of debt validation more than 30 days had went by and still no response from this company, so I again then mailed another certified letter that this company received on XX/XX/year> according to usps tracking system in that letter enclosed was me asking that the debit be removed from my credit report and it still hasnt been removed this company is reporting this inaccurate information to the credit bureaus monthly and its has effected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to finance a vehicle through XXXX XXXX XXXX. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act choice recovery # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reportingact. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCT # XXXX ~XXXX XXXX XXXX, XXXX ACCT # XXXX ~XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX ACCT XXXX * XXXX ~XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX # XXXX ~XXXX XXXX  ACCT # *5978 15 U S C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U S C 1681 SECTION 604 A SECTION XXXX 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 or crimes which antedates the report by more then 7 years. 15 U S C 1681s 2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had ordered furniture from this company and when they delivered to me, the drawers were broken. They said they would come fix it and they didnt. They came and picked it up to fix it and they never delivered my furniture. They are claiming I owe them {$5200.00} for furniture they kept.
Product: Credit reporting or other personal consumer reports

Iam wrinting to disputed account on my credit report that were made without my consent .according to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE HARD INQUIRES SYNCB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX