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

CREDIT REPORTING AGENCIES Each year I request my consumer reports from XXXX, XXXX, and Experian. I request updates but to no avail. Its not only frustrating but a waste of time and money to ask repeatedly for the same information to be either verified, removed, and/or updated. Especially sending an Affidavit of Identity, and copies of two ID cards to verify myself as the consumer. 

a. My request is to have All three agencies update the following information : 1 ) Name : XXXX XXXX XXXX 2 ) Address : XXXX XXXX XXXX XXXX, North Carolina XXXX 3 ) Employer : XXXX XXXX XXXX Experian ( 1 ) Reinserted an address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ).

( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXXXXXX XXXX  ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. 

XXXX XXXX ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. 
( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) d. XXXX ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ).

( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. 
( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. 
( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. 
( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs.
Product: Payday loan, title loan, or personal loan

Hi I took out a secured loan with my own money in XXXX to build my credit I paid off the balance this money my money hasnt been returned I email customer service multiple times I submitted the proper documentation no one is not responding I need my payout thru also lied and said my payout will be XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Information Service LLC has violated my rights to privacy according to the FCRA Consumer law.15USC 1681 ( 3 ) ( 4 ) Transunion Information Services are reporting an account. From XXXX XXXX XXXX XXXX XXXX account ( XXXX ). I disputed an account for XXXX with Transunion Information Services in XX/XX/2022 and it was removed XX/XX/2022. XXXX XXXX XXXX came back and added another account number and re reported an account that was already removed. I have litigated with Transunion in the past. I have been denied a business loan as a result of this account reappearing on my file. This account is opened fraudulent. Please delete this fraudulent account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I contacted transuion to despute unknown and unauthorized inquiries on my report. When contacted I spoke with a gentlemen by the name of XXXX Who assisted me with my concerns. Once I tried to explain to him I was a victim of their glitche in which inquiries were removed and moved back on to my account he referred that I hold the line for a minute. Once on hold he came back to the phone n stated that I was n't apart of that glitche and in order to remove those inquiries I had no idea about and that were removed then placed multiple time back I would have to contact each company who placed the inquirie and have them remove them.after my unsatified result I then stated I would file a complaint and I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Collection XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

All three credit bureaus are refusing to delete erroneous information in my credit file. Its over XXXX different addresses, mixed street addresses, mixed names, etc
Product: Mortgage

We submitted documentation requesting a modification for several months due to a financial hardship. The company Nationstar continue to say documents are needed after documents were sent several times. It is a burden and very frustrating to comply with the systems request of documents and they fail to process them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/1984 Consumer Social Security # XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consist of auto loans, auto insurance ( collections ), and credit cards. 

Account Name : XXXX, Account number : XXXX, Account Balance {$36000.00} ; Account Name : XXXX  XXXX, Account Number : XXXX, Account Balance : {$490.00} or {$500.00} Account Name : XXXX XXXX, Original Creditor : XXXX, Account Number : XXXX, Account Balance : {$300.00} Account Name : XXXX XXXX, Original Creditor : Progressive, Account Number : XXXX, Account Balance {$300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

# 1 No pay-off statement related to old loan and/or escrow. Unable to determine and/or balance to pay-off. # 2 After getting a specific quote of {$350.00} for title insurance, received XXXX charges for {$350.00} listed as " XXXX '' and " XXXX-XXXX ''. # 3 Refusal to provide me with a copy of lender-paid appraisal done in 2010.
Product: Credit reporting or other personal consumer reports

subject : Demand for Immediate Removal of Charge Off and Violation of XXXX XXXX % XXXX % XXXX XXXX Sir/Madam, I am writing to inform you that the XXXX business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. % XXXX % XXXX XXXX following information is not related to any transaction or activity performed by me : EXPERIANXXXX 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 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 According to federal law XXXX XXXX Code % XXXX % XXXX XXXX % XXXX % 80 % XXXX - Block of information resulting from identity theft : ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of % XXXX % 80 % XXXX I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : XXXX - XXXX Number XXXX - Delivered XX/XX/XXXX, XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX pmTransunion - Tracking Number XXXX - Delivered XX/XX/XXXX XXXX pmAttached to these letters were copies of the following XXXX. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] XXXX. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX BALANCED {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$250.00}
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

I XXXX XXXX is a victim of fraud and I was robbed at XXXX XXXX  a couple years ago by three guys and one was only caught and I have a police report for proof and the case is still on going the guys who robbed me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. 1. Diversified XXXX XXXX for {$530.00} XXXX XXXX for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Re : Debt Validation Request Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that you claim I owe. This is not a refusal to pay but a request for validation of this alleged debt. 
Please provide me with the following information : Proof that I owe this debt : Please provide the name and address of the original creditor and a detailed explanation of the amount owed, including the original amount, any interest, fees, or other charges added to the debt. 
Verification of your right to collect this debt : Please provide a copy of the contract or agreement that you have with the original creditor that authorizes you to collect this debt on their behalf. 
Complete payment history : Provide a complete payment history from the original creditor, including all charges and payments made on this account, so I can identify the validity of this debt. 
Proof of your license to collect in my state : Provide documentation that you are licensed to collect debts in my state and that your company complies with the relevant laws governing debt collection. 
Until I receive the requested information, I will not consider any payment towards this debt. Additionally, please cease all communication regarding this debt except for providing the information requested above.I look forward to your prompt response. 


Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Notice Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the above-referenced debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask you to stop contacting me, and I am exercising that right. 

Please be advised that any further communication from your company, except as required by law, will be considered a violation of the FDCPA, and I will not hesitate to pursue all available legal remedies. 

This letter is not an acknowledgment or validation of the debt, nor does it indicate a willingness to pay. I request that you provide no further contact regarding this matter, except to confirm that you are honoring this request or to notify me of any specific action you intend to take, as allowed under law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Im unaware of this debt I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and signature ( XXXX deleted this account so equifax has to remove this account from my credit report to )
Product: Mortgage

Before my mortgage was transferred from Rushmore to Rushmore Servicing, there was a prior lender fee expense of {$890.00}. On XX/XX/2024, I spoke with a representative from Rushmore Servicing and told her I was paying the balance of the prior lender fee, {$790.00}. They took the money and applied part of it as another mortgage payment, leaving {$380.00}. I called them several times but can't get a correct monthly statement. 
Please help me.
Product: Debt collection

I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily.
Product: Checking or savings account

I have been getting my unemployment deposited in my chime account since XXXX My unemployment back pay was deposited XX/XX/2020 in my chime account and chime put a hold on my account now I cant access it I have sent over all the information that they requested
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a debt from a collection agency company named Automated Collections over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from Automated Collections. I have directly disputed the credit bureaus XXXX, and XXXX about Automated Collections claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and XXXX with no knowm resolve as well. I have sent certified mail to Automated Collections on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either Automated Collections nor the credit bureaus XXXX, and XXXX.
Product: Mortgage

XXXX of XXXX complaints regarding same company. ( SLS recently purchased XXXX of our mortgages. ) Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!
Product: Debt collection

Despite the fact that on several occasions I contacted the original creditor directly to resolve this situation, based on identity theft and sending proof of the fraud, the company that purchased the debt LVNV Funding LLC. continues year after year to try to collect this debt and hurt me on my credit report, violating my rights and preventing me from applying for any type of credit, updating the date of the debt every time I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. unauthorized fraudulent inquires on my credit report
Product: Mortgage

Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per court order my ex husband is sole owner of account and I was to be removed. I went to golden one and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards