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

I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with Equifax and XXXX 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against Equifax, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very troubled by my recent experience with Equifax about accounts appearing on my credit report. I have a mother who has XXXX and a child with XXXX.so Im a very busy man. I recently had some down time and sent my identity theft affidavit to equifax. However, when I refreshed my score this more I saw the accounts were still showing. As a matter of fact XXXX acct # XXXX is reporting twice Im requesting a removal of the accounts immediately Ive also attached a copy of my affidavit as well
Product: Mortgage

We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.
Product: Mortgage

In early XXXX, we received notification that our loan servicing was being transferred from XXXX to Newrez/Shellpoint Mortgage Servicing . We've had loans transferred in the past and this should not be a big issue. 

On XX/XX/XXXX, we received a notification that Newrez/Shellpoint would be paying our upcoming annual homeowner 's bill from our escrow and that we would have nothing to worry about, even though the loan servicing was being transferred. 

As the due date of XX/XX/XXXX for the insurance was approaching, we kept a close watch on our insurance account, yet payment was not being made. We attempted to contact Newrez/Shellpoint , but did not receive any response. 

The due date passed with the homeowner 's insurance left unpaid. We continued to attempt to contact Newrez/Shellpoint XXXX but continued to be unsuccessful. 

1 - We used the " Contact Us '' function on the Newrez website multiple times, but have never received a response concerning this issue. 
2 - We used the online chat function on their website. The person on the other end said that they were unable to address this issue and we would need to contact their " Insurance Department '' and gave us a phone number. When we dialed the phone number, we were connected with a medical supply company. 
3 - We tried calling the customer service number on their website. After a seemingly endless maze of computerized menus and multiple disconnects, we were finally able to reach a customer service representative on Friday, XX/XX/XXXX. 

After some back and forth about whose responsibility it is to pay the homeowner 's insurance, the customer service representative finally acknowledged that responsibility belongs to Newrez/Shellpoint .

Newrez/Shellpoint claimed to not have the insurance bill, so we did a three-way call with our insurance company, who then forwarded a copy of the insurance bill to the agent. The agent on the phone assured us the bill would be paid immediately, and we would be able to see the transaction in our online account. 

As of this point, the insurance bill is still unpaid, and there have been no changes in our online account, either with Newrez/Shellpoint or with our insurance company.

We have continued to try to reach out to Newrez/Shellpoint to resolve this issue, but they continue to ignore our requests for customer service. 

Our homeowner 's insurance bill is unpaid, and we risk having the policy cancelled due to non-payment.
Product: Credit reporting or other personal consumer reports

My information has been used with my consent, these account and inquiries are affecting my report so bad. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion REFUSES to remove the name XXXX XXXX XXXX from my Credit report. This is NOT my name. I have submitted documentation to TransUnion showing that my true legal name is XXXX XXXX XXXX. I also use XXXX XXXX and XXXX XXXX XXXX, but have NEVER used the name XXXX XXXX XXXX. I want this removed from my Credit Report. Their failure to remove what they know is incorrect personal information is a gross abuse of me as a consumer. I mailed a hard copy of my Wisconsin Drivers License and my U.S. Passport, but they continue to use this name even though they are well-aware this is not my name.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion regarding their refusal to conduct an investigation into inaccurate items and incorrect personal information on my credit report, despite my efforts to dispute these issues. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I clearly outlined the inaccurate items and disputed incorrect personal information on my credit report. To assist in verifying my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent bill with my current address. 
I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Despite providing all necessary documentation and following the appropriate procedures under the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the required investigation. This refusal is a direct violation of my consumer rights, as outlined by the FCRA, which mandates that credit reporting agencies must investigate disputed information and provide a response to the consumer within a reasonable time frame.
Product: Credit reporting or other personal consumer reports

You are reporting the accounts as derogatory/charge off when it is in good payment status. This account is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this 
to be a stall tactic on your part to grant you an additional 30 days to comply with my original 
request, but I believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a 
complaint with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX Information Solutions, 993 F. Supp. 2d 1154 -
Dist. Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act 
(FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting 
of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes 
regarding the status of discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS provide proof of alleged items. I request to be provided with specifically the 
original application, contract, note, or another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and 
DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury 
NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this 
alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or 
the false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX., No. XXXX (C.D.Cal. 
XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure 
that bureaus report only 100% accurate credit information. Every step must be taken to assure 
the information reported is completely accurate and correct. The following information 
therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2014 XXXX University indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX   XXXX and XXXX, XXXX, and Experian have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Product: Credit card or prepaid card

Numerous complaints were filed with a merchant XXXX XXXX over the last year online using XXXX XXXX as this is the only way they allow for complaints to be filed. The customer does not receive any copies or proof that the claim was submitted other than, at times an email days or weeks later stating that XXXX received it and it is " researching it ''. Each complaint was accompanied by screen prints and detailed descriptions of abuses and overcharges. About three months ago I compiled a list of all of the requests, individual overcharges charges, and literal theft from my account. XXXX never responded directly to my allegation but contacts me trying to sell more services and never returned the money or issues a credit. Since I could not get any response from XXXX I reached out to TD bank which issued a prepaid credit card. A claim was filed on XXXX. A was instructed to submit all relevant information which I did in a 105 page report which was faxed to a fax number provided in TD letter I received after I filed. Over two weeks went by and I received a letter form TD bank stating thy did not receive any documentation from me and are about to close my dispute and reject my complaint. I confronted TD bank via phone stating a have proof they DID receive the fax with 105 pages report and submitted that report via fax again for good measure. Again, no response from TD Bank... When I called and inquired about the status I was told that since the dispute is more than 60 days old they can't do anything about it ... That is nonsense, as my attempts to resolve this situation took a very long time I believed XXXX was acting in good faith and I had no reason to believe it will not be resolved in my favor due to the preponderance of the evidence I collected damming XXXX XXXX and their practices. When I explained again to the customer service rep over the phone, I was told that the claim will be looked at again. I would like to remind you that it seemed at no time TD Bank even looked at the report I provided. Again, no communication from TD Bank other than " boiler plate '' letters stating absolutely nothing! When i contacted TD BAnk again i was told that the merchant XXXX ADs provided an answer to my dispute to TD bank and based on that TD bank decided to reject my claim as according to them " error did not occur ''. I was floored as only an XXXX or someone completely biased would not see the logic and reason to approve my claim. I requested to see the response from XXXX and was told i will receive it via mail. That was 3 weeks ago... and I still have not recived it. 
I have no faith in TD Bank protecting my deposits from fraud and abuses by merchants as this is not the first time this happened. In my 105 page detailed report I documented overcharges of {$18000.00}.
Product: Credit card or prepaid card

I am a victim of the very blatant and misleading practices of " Credit Karma ''. 
On multiple occasions I was lied to and told I was 'pre-approved ' for both credit cards and personal loans. I applied and completely waisted my precious time as " credit karma '' mislead me into thinking I was pre-approved when in fact I was not. 
And to add salt to my injury, after being denied my credit score dropped by more then XXXX points!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loans which had originally been serviced by XXXX XXXX XXXX and XXXX ( or XXXX  ). The loans servicer was changed to EdFinancial in XX/XX/2020. My XXXX Credit Report now shows the incorrect information. Rather than two loans that have been closed at XXXX and two loans still open with EdFinancial, it shows 4 loans open at EdFinancial. It appears that they have the correct information duplicated, as there are two nonexistent loans showing up with exactly the same information as the ones I do have. This is not correct and I have tried to dispute the issue multiple times without the duplicate information being removed. I also tried to contact EdFinancial, who confirmed they reported the proper record to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I has a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

I recently discovered that my identity was stolen and used to create fraudulent accounts. Fraudulent inquiries have also been made. I need your help to remove these items from my profile as soon as possible. 

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX- This account is appearing on my XXXX and Transunion reports. Although it seems to be the same account due to the open date, the account numbers differ. It is listed as XXXX in TransUnion, XXXX in XXXX, and XXXX in XXXX. The fraudulent account was supposedly opened on XX/XX/XXXX. Not only is this fraudulent, but the information on it is also inaccurate across the bureaus. Please remove this from my credit reports. 

XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX  - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. The XXXX XXXX account only appears in XXXX. Please help me delete these fraudulent accounts. 

Also, please help me delete the following fraud inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I also need your assistance in correcting my address and name. My name should be XXXX XXXX and my address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nothing else. 


I have attached here my FTC reports, proof of identity and proof of address. As a XXXX  in this country, this experience is very traumatic to me. I don't know much people who could possibly help me with this situation. The harrassment and stress that I have to go through because of this is unbearable. Please help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This was an unused line of credit which has an erroneous report of late payment in XXXX of 2013. As there was never a balance on this account, there was also never a late payment.
Product: Credit reporting, credit repair services, 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 Experian, XXXX, and XXXX to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case