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

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXXXX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed untilXX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor inXX/XX/XXXXto work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Product: Credit card

I was charged {$50.00} on my FNBO credit card back on XX/XX/year> from the XXXX in XXXX. I disputed this. They said they would remove it but then reversed it. I asked for a signed copy of the CC form. They never sent it. They opened a case for it, assigned it a case number but have never responded to my numerous attempts to discuss this. I have sent several letters to them, e-mails, and made several calls to them but never get to speak to a person that can help me get this resolved. All they do is transfer me from one person to another. I even sent them a certified letter which I know they received but have heard nothing. I also sent letter to two of the executives only to be ignored. Since I refused to pay the {$50.00} they have added late fees and interest to this amount. the bank has also turned me in to the consumer reporting agencies as being late which as adversely affected my credit rating.I have all paperwork related to this including my bank statements and other related paperwork. I'd be glad to send you what I have sent them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was made aware by mortgage lender that there is an inaccuracy reported on my XXXX credit report, preventing me from obtaining a mortgage loan. 

Uplift ( creditor ) is reporting a XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, XXXX missed payment in XX/XX/XXXX, charge off in XX/XX/XXXX, charge off again in XX/XX/XXXX. 
The Uplift account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, yet Uplift is reporting late/missed payments from XX/XX/XXXX through XX/XX/XXXX, and charged off in XXXX XXXX, which is inaccurate dates after the account had already been closed and charged off to XXXX XXXX. 

XX/XX/XXXX I called Uplift ( now called XXXX ) and they confirmed that the dates being reported were incorrect. The customer service rep submitted a 'credit correction claim ' and we thoroughly went through the specific inaccuracies together in the claim. She advised that the credit correction request would be approved within XXXX business days and the collection agency ( XXXX XXXX ) would be responsible for updating my credit report. XXXX XXXX would take up to 60 days to update my credit report once claim is received. The rep gave me the phone number to contact XXXX XXXX to make them aware of the credit report inaccuracy and see if they could correct the error immediately. 

XX/XX/XXXX I called XXXX XXXX to make them aware of the credit inaccuracy to XXXX for the late payment dates. They advised they have no control over the reporting on this account, as Uplift is the original creditor, so Uplift needs to update their internal records and report to XXXX. The only thing XXXX XXXX could provide me with a letter confirming the account was paid in full with no balance due. I received this letter via email on XX/XX/XXXX. 

XX/XX/XXXX I received an email from XXXX by Upgrade ' stating they " carefully reviewed the details of your credit reporting claim and will be proceeding with updating our internal records. We submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take the credit bureaus XXXX to 60 days for the correction to be reflected on your credit report. '' XX/XX/XXXX I received an alert from XXXX that the following has been updated on the XXXX account in question : XXXX XXXX - XXXX off account. 
There was no update to the erroneous late payment dates.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX {$2100.00} open XXXX, XXXX XXXX XXXX  {$600.00} open XXXX, XXXX XXXX {$570.00} open XXXX, XXXXXXXX XXXX XXXX  {$5400.00} open XXXX, XXXX XXXX XXXX  {$630.00} open XXXX XXXX XXXX XXXXXXXX {$45000.00} open XXXX, XXXX XXXX XXXX {$46000.00} open XXXXXXXX XXXX XXXX  {$30000.00} open XXXX, XXXX XXXX {$9400.00} open XXXX, XXXX XXXX XXXX {$87000.00} open XXXX. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter
Product: Credit reporting or other personal consumer reports

While checking my recent credit report I noticed fraudulent inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries were made by the following companies : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Consumer Assistance on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please validate the information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature I formally request that these fraudulent inquiries be deleted immediately from the credit file under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

I have disputed several times through credit reporting the incorrect reporting on my credit they reporting me as 90 days past due they are reporting the incorrect date of last payment I am asking for the information to be updated or removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and also on XX/XX/XXXX I sent a debt validation request to transuion XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX both via certified mail. The account in question is XXXX XXXX for the amount of {$290.00}. According to the fair credit reporting act I have the right to have this inaccurate information removed from my credit file after not receiving adequate validation of this debt in question. I have disputed this information to transuion 3 times to no avail. Transuion 's unwillingness to assist me I'm this matter is a violation of my request and I am asking that this inaccurate information be removed. I have received a response from transuion stating that this information will remain on my credit file as they have verified it as accurate. Transuion 's verification does not constitute as validation, which is required by law once I have requested it. The debt being reported by TransUnion / XXXX XXXX is inaccurate and it does not belong to me therefore I have requested validation for this account which I have not received. This is a violation of my rights according to the fair credit Act and the debt collection practices. I have NOT RECEIVED ANY VALIDATION OF THE ACCOUNT IN QUESTION. And the required time by law has passed.
Product: Mortgage

I went and paid my mortgage from Veterans United online as normally online. I failed to see that the payment method was one I deleted 2 years ago when I switched payment accounts. I get hit with a NSF fee from my bank account as I wasn't expecting to pay the mortgage from that account. I call the company and it turns out there was a software update that deleted the current payment accounts. I got what turned out to be erroneous information that I should resubmit my payment as to not miss my mortgage payment. I go ahead and do that entering the right account information this time. 
A few days after the missed payment I get paid. There was an automatic reattempt at payment from the account I had the NSF fee from, and the second time it goes through. So for those keeping track I have now paid my mortgage from the wrong account and have scheduled another payment from the right account on the advise of the customer service representative. I had to move some money around to cover the shortage now in the wrong account so if the second payment I was told to make goes through ( it hasn't yet ) I'm at risk of a second NSF fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear SirsXX/XX/XXXX Re : TransUnion ( XXXX  is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on mXXXX XXXX  card reflected inXX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX  although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXXand XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX  to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXX yet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX XXXX  etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX Hospital I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently inXX/XX/XXXX I was turned down on a purchase as they refuse to read the facts.

My phone calls to TransUnion have met with no assistance or consideration notwithstanding my much reduced credit usage!

Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX  E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  ( with a friend ) Tel ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX XXXX  XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXBalance : {$750.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$100.00} XXXX - XXXX XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance XXXX {$270.00} XXXX XXXXBalance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$750.00}
Product: Mortgage

After XXXX other miss informed ordeals with OCWEN Loan servicing LLC and losing nearly {$1000.00} 2-3 years ago I want to record any and all calls with them for my records. the beginning of this year I had a financial storm with my health insurance being erased and my medications that are usually less than {$10.00} costing over {$250.00} on my fixed income. not a week later the hot water tank flooded my home wiping out my emergency money and then the bank did n't follow through with their over draft protection costing me excessive fees. I had only XXXX way to get my head above water financially it was to miss XXXX months house payment until I could sell a few things to get caught up. I tried to explain my situation numerous times to OCWEN and keep them informed but they began to get belligerent and disrespectful and demanding payment. They have refused to be recorded on the phone while trying to find a solution to this situation. I went the extra mile seeking mitigation through XXXX XXXX as they did a conference call only to be told its against OCWEN 's policy to have such a call and being recorded by XXXX XXXX for their records as well as mine. Investigating my options I have run into XXXX of complaints when dealing with these rude arrogant employees including Supervisors. They are trying to force a foreclosure by sending back checks for the monthly payment that was sent in. It is in my opinion and many others that OCWEN has NO intentions of dealing fairly with the public. I have every intention of getting caught up and trying to work with them with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX XXXX  XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise TransUnion would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for gain of profits which constitutes that TransUnion is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. TransUnion did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. TransUnion has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and TransUnion are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of XXXX XXXX and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX XXXXXXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 : states I have the right to privacy. Under 15 USC 1681 section 604a section 2 : a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, NCB MANAGEMENT SERVI add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

Started the loan process on XX/XX/XXXX had an appraisal done on our home. Appraisal was not done properly and home was undervalued by {$80000.00}. Put in a dispute with the underwriters, took them so long to respond we had to do a second credit app  on XX/XX/XXXX. Another appraisal was done house appraised for fair value {$80000.00} more then first appraisal. We started moving forward, all paperwork had been sent multiple times but they said pay stubs weren't valid according to underwriters. I've been employed with he same company for 5 years and the company has been in business for over 40 years with over XXXX employees, I bought the house under the same employer and loan was finished in 2 months. The loan timed out a second time because of communications from our loan XXXX and underwriters. I have over XXXX calls to the loan officer throughout this process and over XXXX emails. It took the loan officer over 2 days to return calls and she never knew what was going on with the loan always had to call back. Now we are fighting to get the credit apps off of our names due to it being the banks fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX is a debt collector that has fraudently obtain my credit information with my written consent and is inaccurately reporting on my credit report as if I had did business with them. This account is not validated and XXXX had deleted this from my credit report and yet Transunion and XXXX is still reporting this deleted account ( XXXX ) inaccurately. This inaccuracy is in violation of my consumer rights, FCRA Laws and FTC regulations.