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

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Us bank has not issue the {$800.00} bonus Even tho I have met all requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of incorrect data on my credit report. I have reached out to the agencies to remove this things off my credit and no luck. I have tried to reach out with a legal team and was getting a run around. I am very frustrated at this point because my information is at risk. I need all these data completely removed off my credit report. 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 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
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

COLLECTION WITH ( XXXX XXXX XXXX XXXX {$620.00} ) AND THOSE HARD INQUIRIES ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX : XX/XX/XXXX ) ( XXXX XXXX : XX/XX/XXXX ) ( XXXX XXXX : XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX : XX/XX/XXXX ) ( XXXX XXXX XXXX : XX/XX/XXXX ) ( XXXX  : XX/XX/XXXX ) ( EQUIFAX MORTGAGE : XX/XX/XXXX ) ( XXXX  XXXX : XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-2 ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear CFPB. I am sending copy of Closing Disclosure.Finaly i found., This CD are the rules to respect borrower and me.Could you show me LOANCARE where is point that I have to pay monthly escrow account? Why you do not respect this rules and accuse me of non payment for three months. 
So if there is no rules about monthly payment i can pay semiannualy or annualy no doubt about that.So please cancel all charges against me and please cancel " prepayment penalty '' on your statement.THIS IS THE LAW.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Student loan

FedLoan reported that I did not pay on my student loans when I infact was not notified I had a bill. I never received a bill. I have asked multiple times for proof that they attempted to contact me to collect a date & have been told they " see an email sent '' but can not verify the body of the email or email address used. They also claim they tried to call, but used a phone number that changed years before I took out loans ( new phone number was adopted in XXXX  & was on ALL loan paperwork from XXXX as well as presently ). I only found out about the 90 days late on payments because my credit monitoring program told me about it. It also shows on their website that I did in fact pay the two months before being delinquent for 90 days, to which the employees I have spoken to MANY times can not explain. I now do not qualify for a mortgage loan despite making over XXXX because it shows I have a 90 day delinquency on 15 loans. I have hired XXXX XXXX to fight the claim, been told by fedloan employees to file an internal complaint for it to be repaired, filed multiple complaints to all three credit bureaus, and have sent multiple letters of goodwill. Frankly, fedloan broke the law by not notifying me in any way ( I normally receive emails and things in the mail from them, however received nothing about missing payments ). My previous payments before these months ( XXXX XXXX XXXX ) were {$0.00}, so I had no idea this would change the beginning of the new year because I had not been at my job for a year, but had provided proof of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Mailed a letter to SageStream LLC back in XXXX, XXXX requesting a security freeze and a copy of my consumer report and never received a response. In XX/XX/XXXX I submitted a second request for the same thing via their website and I did not receive a response or email confirmation that the request was even received. I sent a 3rd request Certified Mail that they received on XX/XX/XXXX with no response. I have called the phone number they have available XXXX & left several messages to resolve the issue but again it was to no avail. I have sent personal information such as ID and Social Security # to this company & I think it is very unprofessional of them to not even respond or acknowledge my requests.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax stating that a few of my student loans had been paid, but I need somewhere to upload documentation. So they just fixed the date of the loan. They still need to update them to paid.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the cipb to also provide their investigation and any fines that capital one would be responsible for.
Product: Credit reporting

I have contacted XXXX XXXX in regards to an account balance of {$480.00} seen when I pulled my credit file. i have yet to receive any validation from them and since then the account has been sold to XXXX XXXX who contacted me on XXXX/XXXX/16 with a collection letter. I have sent them a request for validation also and I have yet to receive anything from them also. The collection agencies continue to report this information as accurate but i have contacted both companies as directed and have yet to receive a response so i am unsure how these reporting agencies are accurately validating this clearly wrong information.
Product: Credit reporting or other personal consumer reports

Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX Account number XXXX {$50.00} XXXX Associates Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX {$130.00} XXXX Account number XXXX {$800.00} XXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX  Account number XXXX {$1100.00} and XXXX {$0.00} XXXX  XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.
Product: Checking or savings account

For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX SLS Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX PAYOFF LOAN NO : XXXX XXXX I paid off the loan XX/XX/2023. Please apply my positive escrow balance of {$6800.00}. XXXX as discussed. 

2 The principal balance is {$6800.00}. There should be no balance if you moved escrow to principal as requested. This amount should have been in additional principal as already discussed.

3 Interest was already calculated and charged til XX/XX/XXXX Remove interest of {$19.00} 4 Refund my balance of {$11.00} plus interests XXXX. 
5 Refund {$85.00} Fees collection Your statement on the pay off : If the payoff funds are insufficient, we may apply funds from the escrow account, if available, to complete the payoff. If enough funds are not available to complete the pay off, the amount remitted for pay off will be returned with an amended payoff quote. 

ANY AMOUNT HELD IN ESCROW AT CLOSING WILL BE SETTLED IN ACCORDANCE WITH APPLICABLE FEDERAL LAW.

Release lien ; the title company must prepare the release of lien. The release is mailed to the county, borrower, or Title Company for recording Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Subject : Dispute of Erroneous Reporting on Credit Report - Violation of 15 U.S.C. 1681 Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the inaccurate information present on my TransUnion credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I demand immediate action to rectify this matter in accordance with my rights outlined in 15 U.S.C. 1681.

Upon reviewing my credit report, I was dismayed to discover that accounts from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX are still being reported, despite being rightfully removed by XXXX. This inconsistency in reporting is not only confusing but also damaging to my creditworthiness and financial standing.

It is imperative to note that under 15 U.S.C. 1681, consumer reporting agencies such as TransUnion are mandated to ensure the maximum possible accuracy of the information contained in consumer reports. The persistence of these erroneous entries on my TransUnion report blatantly violates this federal law and undermines the integrity of the credit reporting system.

I demand that TransUnion promptly conducts a thorough investigation into the inaccuracies in my credit report and takes immediate action to remove the erroneous entries associated with XXXX XXXX XXXX XXXX and XXXX XXXX . I also am providing proof from XXXX showing none existing accounts on my XXXX. Furthermore, I insist on receiving a written explanation detailing the steps taken to rectify this matter, as well as a revised credit report reflecting the accurate information in compliance with the FCRA.

Failure to comply with these demands within the statutory timeframe will leave me no choice but to pursue legal action to enforce my rights under the FCRA, including seeking damages for the harm caused by TransUnions negligent reporting practices.

I trust that TransUnion will handle this matter with the utmost urgency and professionalism. Your prompt attention to this dispute is greatly appreciated. 
Sincerely, XXXX XXXX
Product: Debt collection

I keep getting these emails saying I owe Speedy Cash for a loan payment I never applied for or received any paperwork or funds bur they are trying to collect
Product: Debt collection

On XX/XX/2022 World Acceptance Corporation has replied to my complaints and stated that World has searched our records using the name and address provided, but we were unable to verify with certainty the specific account or account holder. This account is still hurting my credit and if you can't find or verify the debt as I asked previously, Please delete this account of my CONSUMER REPORT. I demand XXXX to removed this account off my CONSUMER REPORT. THIS ACCOUNT IS ONLY REPORTING ON MY XXXX AND NEED TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, there are items and my XXXX  and Experian that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, XXXX, AND EXPERIAN ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.
Product: Debt collection

Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named XXXX XXXX XXXX has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration
Product: Credit reporting or other personal consumer reports

I had a secured loan with XXXXXXXX XXXX XXXX and it is currently reporting on XXXX, Transunion and XXXX. The payment history on my credit report is currently incorrect, it should show a total of 12 on-time payments starting in XX/XX/year> and ending on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX XXXX Bank ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud alert placed on my account with XXXX. I Recognized inquiries on my report that I did not give permission to pull credit report. I Called the fraud department, the agent representative refused to investigate and delete unauthorized inquiries, although by law I have a right to an accurate credit report. 
The following are several inquiries transunion is allowing incorrect and unauthorized reporting to my credit. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX
Product: Debt collection

I have two collections on my credit report. The Original Creditor for both is XXXX  XXXX and the two debt collectors are Midland Credit Malmanagement and XXXX XXXX XXXX. I have already filed a complaint against XXXX XXXX  and the CFPB forwarded the complaint to XXXX XXXX Regulator and I have received Notification from the Regulator and that XXXX XXXXXXXX was informed of the complaint and directed to respond. 

This Complaint is against Midland Credit Management. Both Midland and XXXX who are both affiliated companies, Midland Credit Management services accounts for XXXX. Both affiliates are reporting and claiming rights to that debt. 

However, as i mentioned in the last complaint toward XXXX. There is no XXXX XXXX on any of my credit reports. I have two collections for the same Original Creditor that does not appear in any where on my credit History. not one of the 3 credit Bureaus. 

In My Last complaint to XXXX, they responded that they own the account, they provided no proof, they didn't say who they purchased it from, simply a take my word for it type of response, they didn't even address, the possibility that there was a possible error between the two affiliates. and to my disbelief, the CFPB closed the case. 

So that I don't leave room for misinterpretation, I'm going to be Blunt. I believe that the two affiliates who have a Sudden case of amnesia concerning their partnership as well as XXXX XXXX XXXX affiliation, XXXX is the company that responded to the XXXX complaint who is also affiliated, but they are conspiring to collect invalid debt by passing on debt that has been time bared and exceeded the 7 year look back period and when confronted they point a finger at each other in an effort to stall and eventually discourage consumers from challenging the debt further. 

This will probably be closed as well, after I receive the ( Oh, we own this debt, we are not going to prove to you, but you can trust us response ). and that's ok, I just need Midland to respond and when I receive XXXX XXXX XXXX response, I will take XXXX, XXXX and Midland to Court and let them try giving those weak explanations to a judge.
Product: Credit card

Commneity bank card was opened XX/XX/year>. The company charged the card off. According to 15 USC 6802 this must be removed from my credit report.
Product: Checking or savings account

My account was involved in the Credit Defense product settlement. I need to know when I'll be receiving my settlement.
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. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX Opened- XX/XX/XXXX XXXXXXXX XXXX Account # XXXX Opened- XX/XX/XXXX XXXX XXXX Account # XXXX XXXX Caine & Weiner Company Account # XXXX XXXX The accounts listed above was opened without my consent. I would like to have these accounts removed for my credit report
Product: Mortgage

I was on a mortgage with my ex-spouse. When we divorced in XXXX, I waived all equity, assigns, and all interest in the home, and my ex-spouse was ordered by the court to refinance the marital home and remove myself from the mortgage. He did not comply, was delinquent on making the mortgage payments, and the house was foreclosed on with my name still on the mortgage. I made numerous attempts at requesting that the bank take action to clear my name, but they refused to honor the court order each time. My credit has been severely negatively affected since then and Ive been unable to reverse the effects due to the actions of my ex-spouse and JPMorgan Chase Bank refusing to honor the court order.