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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXredit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely
Product: Debt collection

On my credit report the company XXXX XXXX have XXXX different accounts with XXXX different amounts. I should only be responsible for the {$1400.00} as this debt was due to an injury at work and was settled in court. I have no clue why they have XXXX on my account and why I would owe them XXXX plus the XXXX. I have no information on this account.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries dont belong to me, Hasnt being authorized by me and has to be removed. also this as well. thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been a customer of Bank of America in good standing with a credit card opened on XX/XX/XXXX, with a credit card limit of over fourteen thousand dollars. I always paid my credit card on time however I had a horseback riding accident where I XXXX  XXXX XXXX  and was XXXX  for several months. I am a XXXX-year-old woman while fit at the time recovery was not easy. Unknown, to me there was a small balance of under {$9.00} that accrued from XX/XX/XXXX, XXXX XXXX during this time. I never received even one phone call from BOA regarding the {$9.00} balance. So it resulted a several months of late payments and then without any notice BOA charged off the account. It was not until I signed up for a credit monitoring service that I even became aware that I had a balance with BOA. 
I was shocked to learn what had happened and BOA put the account into default over {$9.00}. I immediately paid the account that with late fees as I recall it was a mear {$35.00}. This is a rounding error for BOA but they seem determined to destroy my excellent credit earned from years of hard work and paying all my bills on time. 

They have refused to speak with me and I have repeatedly been told that this is " not our problem ''. I also want to mention that I had a mortgage with BOA from XXXX that every single payment was on time just like my credit card until the time of my accident.
Product: Credit reporting or other personal consumer reports

This is a follow up of case XXXX that was filed on XX/XX/XXXX as a complaint with the CFPB regarding XXXX XXXX XXXX XXXX XXXX ). The attachments on that complaint are still relevant to this new complaint. While XXXX are now reporting the debt correctly on my credit reports ( they deleted the XXXX account ), the XXXX XXXXXXXX account is still showing. On XX/XX/XXXX and XX/XX/XXXX I requested a letter from XXXX asking them to verify with XXXX XXXX the original creditor, that my debt was settled and cancelled because I filled out a XXXX form in XX/XX/XXXX, which they approved. They refused to send me a lettter, which is predatory considering no other debt collector has refused to issue me a letter saying my debt was settled. XXXX have not sent me that letter so that I can show XXXX XXXXXXXX and the credit bureaus that the XXXX XXXXXXXX debt does not belong to me, and that it has been settled along with the XXXX XXXX account that should be deleted from my credit reports. The letter is important because of the letter I received from XXXX XXXX on XX/XX/XXXX saying they are asking all XXXX credit bureaus to delete the account, but that I may owe XXXX, which I do not. I need this letter from XXXX to compile proof that my XXXX XXXX account must be deleted from ALL XXXX credit bureaus. Every time I contact them via phone on XX/XX/XXXX and via XXXX XXXX XXXX XXXX to ask for a letter verifying the facts of the situation, I am snubbed of the opportunity and told to call in for a supervisor, which is ableist considering I wrote in my XXXX letter about my XXXX, and they approved that as a cancellation of the debt for settlement. XXXX XXXXXXXX XXXX account is still showing on my credit reports despite the company itself requesting deletion off of my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violate

d my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ATTYGENERL Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$310.00}. 
XXXX XXXXXXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Money transfer, virtual currency, or money service

XXXX I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXXXXXX XXXX and XXXXXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I sent an initial dispute regarding a bankruptcy reporting on my credit report which I stated is a violation of my consumer rights as outlined under the FCRA, as it is a violation of my right to privacy as granted under the law. The company responded by saying that they verified with XXXX XXXX which was not the point of my dispute. Furthermore, the company lied because I have my official report from XXXX XXXX and no bankruptcy is reporting on it so that is considered forgery under the law. Furthermore, they have the US bankruptcy court listed as the furnisher of the account which is also not true, and again forgery because I even contacted the Bankruptcy courts in my state and they sent a letter stating that they do not furnish any information to the credit reporting agencies. Again, under the FCRA, all information on a consumer credit file must be 100 % accurate and since the bankruptcy court is listed as the furnisher when they confirmed that they did not furnis this, it is again violation of my rights and I will be seeking litigation. All evidence wil be attached to this report.
Product: Consumer Loan

On or about XXXX XXXX, XXXX, I visited XXXX XXXX in NJ. When I was at their place, having no intention to purchase that day in question, they told me that it was my lucky day and that they will give me a great deal in exchange for my XXXX XXXX. I am a person having very basic knowledge of XXXX, and before I knew they had all the paper work in place for me to sign. I told them that the vehicle is also in my son 's name, and he will need to sign too. To which they said there was no need. I do not know what they did about it. I wanted to test ride, they gave me none, in fact told me that I can return the vehicle anytime I wanted to, which is what is a very good thing about lease. I was misled and was pushed around. Car Dealership did not give me the credit they promised for XXXX, and in fact when I demanded they explain they could not. They gave me a leased car ( of which I had no understanding and in fact misrepresented on ), a very very basic model, which only had AM/FM when I was promised more, it did not have navigation, which I was promised earlier. Yet the price they charged and monthly lease payments ( {$410.00} per month ) generated is not for a basic XXXX car, but what easily can be for a very good name brand with great features. In short, not only they took my car, without my son 's signatures, despite myself bringing it to their attention, they made sure that I walked out with a big exploitive win for them and a big liability for myself, a liability I did not understand, as I got a car on terms I had no clue about. I was misled on, a very basic model with none of the features I was promised, and numbers the dealership manipulated very well that it would make your head spin. I was simply pushed around and bullied. When I asked for my car back and undo the deal they wanted to do nothing about it. When later I visited the dealership with another individual, at which time when my son 's ownership issue brought up again, and how they could have overlooked, they tried denying having any knowledge about it - which I or anyone would find hard to believe, because this is a fact that can be easily checked- but later seems to reluctantly agree that I had mentioned. Given the current state, I am being pushed to make my monthly payments on a car I was misled on which I have resisted, learning only later that it was leased with no return at any time, as they had represented, of which I had no knowledge of, what it was all about. But most of all, they have tried converting my son 's property without his permission, even when I personally reminded, and this is a fact one can easily confirm, especially a car dealership would easily have it confirmed. In short, I bring it to this ageny 's attention not only to seek a just result and undoing of the transaction, but because, I do not want anybody else to suffer at the hands of this dealership ( XXXX XXXX ) and its finance company ( KIA Motor Finance ) as I did. I want the entire deal be undone and such dealerships and their finance companies because of their agents be brought to task. They know how to prey on innocent consumers, whom they can manipulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma refuses to help or acknowledge the issue of my dispute status on 6 disputes started XX/XX/2018 are still pending and not able to correct. Credit karma said to contact XXXX XXXX XXXX XXXX XXXX denoes seeing the issue even though I can show screenshots where it shows its been stuck fornover a year and half now. No way to get hold of anyone to help at credit karma. They are useless with email. No resolution at all. I have tried for a long time now.
Product: Vehicle loan or lease

on XX/XX/2023 loan number XXXX with ally auto financing was modified. 
the old loan was paid out and the new loan was created with modified terms. 

i need a letter from ally auto financing indicating that old loan was paid out by seller ally auto finance, and buyer is also ally auto finance. 

this proof of letter from ally auto finance is required for a legal matter. 

thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

XXXX account numberXXXXXXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX XXXXXXXX XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ).

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ).
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

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

I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX You applied for credit on XX/XX/2021 XXXX  You applied for a credit card on XX/XX/202XXXX XXXX
Product: Debt collection

We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.
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 XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.