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

On XX/XX/22, I Wrote to you ( Transunion ) requesting a re-investigation and deletion of ACCOUNTS ( listed below, with account number ). Due to there being inaccurate information on them, and because you ( TRANSUNION ) are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S. Code 1681b ( a ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

I HAVE NOT GIVEN YOU WRITTEN INSTRUCTION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT.

15 U.S. Code 1681c ( a ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 15 U.S. Code 1681c ( a ) ( 5 ) : Any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( ADVERSE : preventing success or development ; harmful ; unfavorable ) I AM NOT ABLE TO DEVELOP OR PROSPER MY FINANCIAL STATUS DUE TO THESE ILLEGALY FURNISHED ACCOUNTS ON MY CREDIT REPORT. 

1. Acc : XXXX Acc # XXXX 2. Acc : XXXX XXXX Acc # XXXX 3. Acc XXXX XXXX XXXX XXXXXXXX Acc # XXXX REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY I Dont understand why Transunion blatantly continues to violate my rights. Especially with something so serious as my reputation.

Transunion says they completed investigations on these accounts and VERIFIED them as ACCURATE.

I am in disagreement with the investigations of the items listed above. I am 100 % certain that there were and still are ( after their INVESTIGATION ) inaccuracies in these accounts. These accounts had inaccurate information on them and Transunion UPDATED THE INFORMATION Instead of deleting them like I requested. I was never provided the proof of the alleged items ( Specifically the contract or any other instrument bearing my signature ). Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
I HAVE NOT HEARD FROM TRANSUNION REGARDING THIS MATTER. 
Together with the complaint letter I sent by mail to Transunion ( which is attached to this complaint ) I attached copy of my ID, Birth Certificate, Social Security Card and Bank Statement to Verify my identity.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :. XXXX XXXX XXXX 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: Mortgage

Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have contacted the credit bureaus XXXX, XXXX and Transunion requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX Miscellaneous and public record Inquiry XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2023
Product: Debt collection

I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.
Product: Debt collection

Dear Sirs or CFPB, I have enclosed a attachment with PDF shown to you.

Please be careful read to understand. I don't want to be wasting time with loop around and it's make harder and pay attendtion.

What I do next step to step with that? and Could you tell me to do with it?

I don't want to repeating since present and problem making the worst-case.

I do already have report to the OCC Dept with email last few months ago.

I did not hear from them and nothing.

Because It's real ID theft and The person name is XXXX XXXX is stealing my information everything theft gone. 

Thank You Sincerely, XXXX XXXX XXXX. I already send to you by the mail ( Post Office ) as paper look like attached.
Product: Credit card or prepaid card

you resently resieved and validated a dispute you neither looked at or choose to believe.. 
report # XXXX on this despute i provided your company with a desposition from the XXXX XXXX court house XXXX XXXX # XXXX on the paper work it states that i was XXXX  for this case on XXXX XXXX.. public records will show i was XXXX  originally to 7 years on XXXX XXXX yet your record state that opened this line of credit on XX/XX/2016 and mae a payment on XXXX XXXX and XXXX of XXXX i mean that report can clearly see that your company is either stupid or commiting fraud. please provide how and when i made a payment from XXXX  and how i opened a credit card in XXXX??? 
not only that but if u would have took the time to check my credit report which is public information it states where my location was .. so please tell me where was mail being mailed too???? obviously your company is commiting fraud. please stop your fraudelent activity, i have provided u with necessary proof to show you that i obviously didnt open a credit card in XXXX.. so please remove this fake credit reports that are causing me hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 59 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting

my name is XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX md XXXX eqiurefax as me down as XXXX XXXX XXXX XXXX XXXX XXXX marylandXXXX and says i owe comcast {$220.00} comcast says it is not my account and i no this and eqiurefax will not remove it evevn when i have proof i donot owe any one any money please help me as this is messing up my credit i have a letter from comcast saying that i donot owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the dark web. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXXXXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything
Product: Student loan

I am a XXXX XXXX XXXX  XXXX veteran of the XXXX and I was approved to have all my student loans discharged through the XXXX discharge process on XX/XX/XXXX through XXXX. I had 15 loans in total, 11 loans have been discharged and reported to the credit bureaus and taken off my credit report. However, 4 of these loans have not been discharged that were included in this XXXX   process. I have called XXXX several times and they keep saying it is nothing they can do and to contact Navient the servicer on these loans. I have called Navient on XX/XX/XXXX, I spoke with XXXX and was told to check back in 7-10 business days and the loans would be discharged. That did not happen. I called Navient back on XX/XX/XXXX and was told that XXXX  the guarantor had requested information and the information requested was sent back to XXXX and they were waiting on the payment for the claim from XXXX. The loans are still waiting to be discharged. I called Navient back today XX/XX/XXXX. I spoke with XXXX a customer representative and explained the situation and she transferred me to Ms. XXXX in the claims department and I explained the situation again and she put in an expedited ticket to the process dept to find out why these loans have not been discharged. She  ( Ms. XXXX ) stated this would be the 4th time this has been sent to the process dept. XXXX, XXXX, and XXXX have these loans discharged, Navient is the only one that is not accurate and keep giving me the run around instead of having these loans discharged and reported to the credit bureaus as such. I am looking to have these loans discharged as they were approved to be discharged. This  whole process is exasperating my XXXX. The guarantor XXXX ( I spoke to XXXX ) stated that on XX/XX/XXXX 3 of the 4 outstanding loans were paid and the last loan will be paid on XX/XX/XXXX. We also placed a conference call to Navient so they can get the information firsthand from the guarantor that the loans have been discharged. I have been told that I must wait until XX/XX/XXXX to get an answer from the expedited ticket. I should not have to wait another day to get answers or the loans discharged. I have uploaded the loans in question from Navient, the payment history on the loans, and the letter from XXXX stating my student loans were approved for discharge. I am seeking help to get these loans discharged through Navient.
Product: Credit reporting or other personal consumer reports

I went to get a loan and found out that Truist bank has me down as 90 days past due on a vehicle payment! That is completely incorrect, as a matter of fact I had issues from them in the past for not sending documents to prove to get gap ( XXXX XXXX ) to cover the total loss of my XXXX. I want the 90 days off my credit report because it should have been covered due to their lack of providing documentation needed. That was also part of my earlier request when this happened. From my understanding everything was covered until yesterday. I would like that removed from my credit report as soon as possible because that has affected my credit. I was told everything was taken care of, they even sent me checks back, so what is going on?
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquiries are : XXXXXXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXXXXXX Banks and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX  and number XXXXXXXX  Account name XXXX and number XXXXXXXX  Account name XXXX XXXX and number XXXX Account name XXXX XXXX and 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 whiten instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company provided the following information on my credit report and want it removed.

US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I provided all utility bills, and rental agreement where I was residing at the time in question. XXXX also, have pertinent information that someone received services in my name by hacking my account online. This debt from Columbia Credit Recovery is not accurate and must be deleted. This company has never spoken to me directly nor have they provided me with any documentation proving this is my account. This is not my account. Please delete immediately. I never lived in this unit. I was living at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and the month in question I was XXXX  and in the hospital and never resided at XXXX XXXX. I provided all my evidence to XXXX, XXXX, and XXXX, and they place false information on my report. 
There are other accounts that has been deleted from a bureau and all three bureaus don't comply accordingly. If deleted from one it should be keyed from all, such as XXXX and XXXX XXXX has been deleted from one bureau, but the others dont comply. I have evidence of someone getting credit in my name and the bureaus are aware of the name and due to the continued attempts they are aware of my information being compromised and at this time all negative reporting should be deleted and ceased from reporting any further as all my information has been compromised, as the tool has proven it and reported it on the credit bureau. None of my addresses on all 3 bureaus never reflects XXXX XXXX as any legal address belonging to me. PLEASE DELETE this account from my bureau today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a 3 year vehicle lease agreement with the creditor, which I paid off 100 % in a balloon payment at the start of the lease. I turned in the vehicle in XX/XX/XXXX. According to the creditor 's policy the {$590.00} fee is waived if a customer buys or orders another XXXX XXXX. I spoke with XXXX XXXX ( " Salesman '' ) at XXXX XXXX of XXXX ( " Dealer '' ) in XX/XX/XXXX and placed an order for a new car. XXXX contacted me a few weeks later to let me know that this model is now UNAVAILABLE in Diesel. He also said that the dealership would " take care '' of the {$590.00} fee with the creditor as it was not my fault this the manufacturer could not deliver the vehicle I ordered. 

In XX/XX/XXXX the creditor started sending me letters and calling me about me needing to pay them {$590.00}. I explained to them what happened, however they refused to talk to the dealer about it. They also offered that if I paid them {$300.00}, they will be good with that. 

I first contacted TransUnion on XX/XX/XXXX after I saw an adverse account with an outstanding balance of {$590.00} on my report. They delivered the dispute results on XX/XX/XXXX, however nothing changed and this adverse charge was not removed. I initiated a second dispute that same day. TransUnion came back in XXXX of XXXX and nothing changed then either. 

Before TransUnion started reporting this, my credit score was in XXXX. Afterwards, it dropped to XXXX. I have always had an exceptional credit and credit score, and this item has negatively affected my life in more ways than one.
Product: Mortgage

Our current loan adjusted up to 4 % XXXX XXXX, 2016, with our lender of XXXX years Bank of America. We are in good standing and have exceptional credit ratings. We contacted Bank of America to refinance our loan to a lower rate and locked in at 3.75 %. We were required to pay {$470.00} for the property appraisal up front, then were declined in part by their own flawed appraisal. XXXX is estimating a XXXX increase in value over the Bank of America appraisal of XXXX, that is still XXXX in equity using the Bank of America appraisal. One borrower did returned to XXXX XXXX and then XXXX program. The three years following college was out of the workforce caring for a parent. Work history prior to college was not utilized or credited. Our loan officer stated that since we were Bank of America customers this refinance could be fast tracked, which has not been the case. The difference in our XXXX loans is {$520.00} a month savings. 
Below is the text from the decline letter Please read finding from XXXX on your loan. 

48 hour cancellation notice XXXX, So we had to request an exception for XXXX re-entering the work force, XXXX just got back to us and they are not approving the exception DECLINE REASONS : 1 ) Value is not supported in appraisal report ; comps XXXX & XXXX do not appear to be suitable comps as they are townhouses ; not single level flats ; comp XXXX is from subject property and sold for significantly less than subject value with significant, unacceptable adjustments. Appraisal was elevated for additional review and supported the decision for a decline. 
2 ) Stability and probably of continued employment is not documented in the file. XXXX does understand that borrower was caring for a parent for three years, however, due to long gap and lack of previous employment history, unable to document stability and continuance of employment which is needed to qualify for mortgage. 
3 ) XXXX does recognize that borrowers have owned home for XXXX years with a savings of {$280.00} per month, OnUs refinance, however, there are no compelling compensating factors to offset the risk of the exception
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Consumer number XXXX. This concerns case # XXXX I received my Consumer Disclosure Report and note that In the phone records, pages 15-16, records 2-10 are associated with addresses I've never lived at. I would like this information deleted from my file.
Product: Mortgage

On XXXX XXXX 2015, I filled out an application w/Bay Equity, LLC to refinance my home. On XXXX XXXX 2015, I paid {$490.00} to have my home appraised per Bay Equity, LLC instructions. The Lender notified me on XXXX XXXX 2015 that they had underwriter 's approval for my loan. Then, I was scheduled for 'closing ' on XXXX XXXX 2015. During the 'closing ' I talked to Bay Equity personnel 3 times at numbers : XXXX & XXXX ; while in the process of signing all relevant documents. At no time during this process did Bay Equity personnel cite any derogatory complaints concerning the funding of my loan. As of XXXX XXXX 2015, I have not received any official documentation from Bay Equity : As to why my loan did not fund? So I have made several attempts ( phone : XXXX ) ; ( email : XXXXXXXXXXXX & XXXXXXXXXXXX ) ; & ( certified mail : Bay Equity Home Loans, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ), to inquire without response. I initiated this action after recently ( via Internet ) becoming aware that under Federal Law, Bay Equity, LLC fail to notify me ( in writing ) in 60 days of my 'rights ' under the Equal Credit Opportunity Act after my loan # XXXX was disapproved without warning. End of Statement