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

XXXX has not properly investigated the following issues on my credit report Confirmation # XXXX. Their claim to have investigated the issues is false. Please see enclosed letter ... 

Earlier in the year, I started a dispute with XXXX XXXX XXXX TransUnion regarding items on my credit reports. XXXX claimed to have gotten the public records information being reported on their file for me from XXXX. I started an inquiry into the facts with XXXX approximately XXXX/XXXX/XXXX. After concluding their investigation XXXX/XXXX/XXXX XXXX agreed with me and deleted the item ( see enclosed letter ). 

On XXXX/XXXX/XXXX XXXX claim to have investigated and VERIFIED this item by means of XXXX! 

XXXX XXXX XXXX TRANSUNION show a pattern of deceptive practices regarding consumer credit issues. They should be audited and their procedures combed over. I believe that their internal security as it pertains to a consumer file is loose. Meaning that dates and other important factual items can be changed by a clerk or data entry person for no reason other than their mood. Their record of FCRA violations has to be epic ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I am having major issues with Equifax. I have sent numerous letters to them and no response. I sent the attached letter on XX/XX/22 and still have recieved no response. 

I also sent them my drivers license and my proof of address so why are they requesting my social security number!? 

I am afraid of identity theft and I will not send my social security card ... that is crazy. 

I have reason to believe that this account is reporting inaccurately. 

Please have them investigate my file or delete this because I believe they are stalling and dont want to investigate for whatever reason which is against the law!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX/XXXX  XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Debt collection

XXXX XXXX continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with XXXX and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX  OF Maryland Account Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, TransUnion, and XXXX Credit Bureaus, so on XX/XX/2023, I send XXXX, TransUnion, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX TransUnion XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.
Product: Credit reporting

This address is listed in my persoanl information as me living there.I have never lived at this address : XXXX XXXX XXXX XXXX XXXX, NC XXXX I have lived at XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Vehicle loan or lease

JPMCB auto finance XX/XX/2015 {$17000.00} They didnt give me a chance to pay the months I had backed up they wanted the full amount of the loan. And at the time I was unable to due to my job being lost, responsibilities and bills due.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescrib

ed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Mortgage

I have had a VA mortgage since   XX/XX/XXXX   and it has changed hand s ( servicers ) 5 times in that pe riod. The latest took place, I 'm told, in   XX/XX/XXXX   from  XXXX  to  Loan Care.  I finally found this out, late in   XX/XX/XXXX ,  following my inquiries of the new service r ( Loan Care ).   I continued making payments to  XXXX  uninterrupted, throughout this period. Unbeknownst to me  XXXX  forwarded my p ayments to Loan Care fo r   XX/XX/XXXX &  XX/XX/XXXX b ut ceased doing so thereafter. My loan had gone all the way to pre-foreclosure wi th Loan Care. I provided proof of payments to Loan Care and they endeavored t o get these funds from  XXXX  without success until   XX/XX/XXXX  . Throughout this period I have received twice daily dunning calls fro m Loan Care.  In   XX/XX/XXXX    Loan Care  claimed they finished their research and told me it was now my problem to get  XXXX  to release the funds. Further, that my proof of payment was not valid because any check would have been returned to me followin g a two m onth grace period and not processed by  XXXX . This is utterly false. The " proof '' I provided was a combination of "  Cancelled '' checks and verification that my electronic payments thru BillPayer were issu ed & received.  XXXX  has the funds and I continue to have a delinquent mortgage, ruined credit and inaccurate filed   XX/XX/XXXX  Federal  Tax returns. Attached is how I was informed that my mortgage was now being service d by Loan Care. Th is door hanger placed on the door knob of an out building at my property that I only " happened '' to find on   XX/XX/XXXX .
Product: Mortgage

XXXX, XXXX XXXX, XXXX failed to properly pay my real estate property taxes for XXXX 2021 from the accured or advanced escrow account, yet they increased my mortgage payments from the original {$2300.00} to almost {$2600.00} with the pretext that my property taxes increased during the XXXX. I called my tax assessors office and received a tax bill that states that the servicer hasnt paid any taxes via escrow since first quarter 2021 and so the city placed a tax title ( lien ) on my deed! Our servicer changed from XXXX to ServiceMac as apart of their transfer transaction. The notice of transfer and billing statements show escrow disbursements that were not in fact made i.e. fraud. We have been paying the escrow with the increased adjustment and neither servicer has paid the fees. Ive contacted both and get the run around as the city tax assessor has confirmed non-payment. I cant even get proof of payment from ServiceMac ( something showing a mailed check # or EFT acutally demonstrating payment ). In all my billing statements are incorrect and the Form 1098s mailed to me are inaccurate at best or fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion online dispute is not working at all, when you try to call TransUnion you wait with over an hour wait times or the call just drops. 

I have in accurate information I'm trying to report and they are the only agency making it difficult to report.
Product: Credit reporting or other personal consumer reports

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer Ally financial and auto nation finance have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. Ally financial and cig financial retrieved the vehicle and my debt was not corrected as it was paid in full
Product: Checking or savings account

I have spoken with a CAPITAL ONE representative everyday since Thursday XX/XX/year> because that is when my direct deposit is supposed to hit. This was supposed to be resolved Friday! I still havent gotten my deposit. I have no money and bill are here that I can not pay for. I am unbelievable stressed and Capitalone has only sent ONE email regarding this stating this was all going to be fixed XXXX morning. Now its the weekend and still have gotten nothing. A three day weekend at that. I have no idea what im going to eat. this is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by American Express on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with American Express, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Product: Debt collection

I received short term XXXX payments when I had my XXXX  XXXX. After I returned to work a few more checks arrived. In speaking with XXXX, I was instructed to destroy the additional checks. XXXX has sent me to debt collection to recover funds from a check that I believe was destroyed. In working with my credit union I was unable to find any record of the check they claim I owe them for. 

The check prior to this i DO owe partially for as it covered the week that I returned to work. 

I have been unsuccessful in getting XXXX to provide me actual proof that this check was deposited yet continues letting their collection agency hound me.
Product: Debt collection

This debt was included in my bankruptcy and also in the remarks so been trying to dispute this debt and get it removed
Product: Mortgage

Went thru a remodication process with XXXX XXXX XXXX. Have been paying the agreed upon amount for years!! $ XXXX- which I was told was combined 1st and heloc. Initially in 2006 1st mtg was {$1200.00} and heloc was {$150.00} a month XXXX XXXX sold to key bank and none of the agreed paperwork is on record and they have started foreclosing. I 've called and mailed 6 letters asking and showing my issues. To no avail. Even attempted using a housing counselor. She ca n't get thru either. Now I 've been making the full payment and they are sending me {$400.00} back monthly for overpayment. But not halting the foreclosure. This is my home. My parents have now been served by sheriff too. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

AR RESOURCES INC please validate this debt account number XXXX please send all supporting documents also my wet ink signature also the agreement contract with both wet ink signature of the agency you allegedly purchase this debt from because I didnt do any business with this company and I dont owe any money to you guys this identify theft if this account doesnt remove within 30 days I will pursue to take legal action
Product: Credit card or prepaid card

Here 's the timeline. 
XXXX : by Goldman Sachs took over the XXXX XXXX cards. 
XX/XX/2022 - Payment was sent in the amount of {$720.00} XX/XX/2022 - Check was cashed by Goldman SA ( Per image of the check when it cleared my back ). 
XX/XX/2022 - A payment was processed on my Card for {$720.00} XX/XX/2022 - Check Payment ( REVERAL ) hit my Card, {$720.00}, and XXXX interest charges of {$3.00} and {$14.00} were added. 
XX/XX/2022 - Called in to XXXX, to figure out what happened. I think a dispute was opened. 
- Later that day, my wife called to check her balance, and it was a - {$720.00}. 
- The issues is that these accounts are unrelated, and her account even had our last name misspelled. They should have never moved any of the payments from one card to another. And no one from my household opened any type of complaint with them.

- I feel that I'm just lucky that this happened to me and my wife, what would have happened if this was a stranger 's account?

- I've been on the phone with them at various times for more than 3 hours, have to explain it again every time I call in.
Product: Credit reporting or other personal consumer reports

Inaccurate and different information from account # XXXX XXXX between XXXX and Equifax. According to the FCRA, the XXXX reporting agencies have to remove all inaccurate or unverifiable information from credit reports, please remove this from my credit report now. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CARRINGTON MORTGAGE SERVICES, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : 11, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting debt of XXXX on my XXXX XXXX, Experian, and XXXX  report. This debt was paid directly to XXXX University, not the in-house collection agency. XXXX XXXX XXXX needs to remove collection agency and balance from all three credit bureau. Please see attached receipts and email from XXXX stating the collection account remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Equifax XXXX : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Product: Student loan

I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.