23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Today I requested XXXX XXXX XXXX cash card for a credit increase, and they decline to increase my credit limit because my XXXX score was a XXXX. My XXXX score is not a XXXX it is a XXXX. I viewed my XXXX score through the XXXX XXXX card app which displayed my XXXX score as XXXX and messages were also forwarded to me to apply for additional XXXX XXXX cards. 

So, I also tried to apply for XXXX XXXX XXXX card and XXXX XXXX XXXX card. They did not impact the XXXX XXXX but was denied. 

XXXX XXXX is not reporting or accessing my correct credit or XXXX score and because of it I was denied a credit line increase as well as obtaining additional cards with XXXX XXXX XXXX. 


I recently filed a complaint on XXXX for incorrect credit reporting a few weeks ago with your organization. Since then, my credit score has increased. However, My XXXX score should be higher than the general Credit score which is a XXXX XXXX score.
Product: Mortgage

Hello, we have big problem, there is a foreclosure sale scheduled for our home on XX/XX/2018 and we are out of options and we have exhausted ourselves with this horrible company. We have had many attempts to receive an affordable monthly payment but no resolution and no affordable monthly payment offer has been given. 
We have been in a fighting battle with our bank/ servicer Mr. Cooper for a very long time I mean very long time. We have been trying for a loan mod. recently its getting worse and worse and the bank keep pressuring and not providing an affordable loan mod. that we can afford which will help us keep the home and not throw us out on the streets. So our servicer now is Mr. Cooper and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we faxed in a copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. 
If Mr. Cooper proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act Mr. Cooper has still placed my home on a foreclosure sale set for XX/XX/2018 and has not CANCELLED the foreclosure sales until the review and an affordable loan modification and the process has been approved and agreed upon not some {$4000.00} monthly payment that no one can afford but one that is reasonable and that if helping the borrower not a ridiculous sum that will force us to move out. 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment
as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this ti
tle is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 credit score over XXXXtransunion 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 XXXX 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 XXXX 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Debt collection

The law 15 U.S.C. 1692c prohibits debt collectors from communicating with a consumer in connection with the collection of any debt without the consumer 's prior consent or express permission from a courtXXXX. If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish to cease further communication, the debt collector must complyXXXX. 

They have not complied with my requests. Please enforce this law.
Product: Debt collection

XXXX XXXX XXXX, Status Collection account. {$2900.00} past due as of XX/XX/scrub> XXXX XXXX XXXX XXXX Status Collection account. {$400.00} past due as of XX/XX/year>. 

JEFFERSON CAPITAL SYST Status Collection account. {$1300.00} past due as of XX/XX/year> All of these accounts are the result of Identity Theft, I have contacted each company to inform them that these accounts are not mine and are reporting on my consumer credit report on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc to Experian and northern leasing company please remove the inaccurate information I sent the documents
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my reports TransUnion, XXXX and XXXX. I reported and provided this information over to the representatives and manager at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with Transunion they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - Transunion XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX. XXXX XXXX ( XXXX  ) XX/XX/XXXX - Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - Transunion XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX Transunion XXXX. XXXX XX/XX/XXXX -XXXX  XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX - XXXX
Product: Consumer Loan

How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?
Product: Student loan

In response to case # XXXX - Sallie Mae completely ignored my question which I suspect is on purpose or with coordination. So I will ask again, and use less characters as to not confuse. Question : What were all the credit criteria requirements for cosigner release that Sallie Mae required for in the fall of 2005 when Sallie Mae was the servicer of my private student loan. 
Does not get more simplified.
Product: Credit reporting or other personal consumer reports

I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and their response to just update instead of delete the account.
Product: Credit reporting or other personal consumer reports

Legal Department Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Intent to Sue for Violation of FCRA and Failure to Remove Unverifiable Bankruptcy from Credit Report Hello, I am writing to formally notify you of my intent to pursue legal action against Experian for your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), in connection with an unverifiable bankruptcy that is being inaccurately reported on my credit report.

As required under FCRA 605 ( b ), I have submitted a formal FTC report, along with a request to remove the bankruptcy entry, as the information is not valid, not verifiable, and was placed on my credit file without my consent. Despite my efforts to resolve this issue, including multiple written requests, Experian has repeatedly failed to remove this incorrect information within the required 4 business days.

The bankruptcy entry that is being reported is neither accurate nor substantiated by any verifiable records, and I have made it clear to Experian that I have not consented to the inclusion of this information. I have provided you with the necessary documentation, including the FTC report, to prove that this bankruptcy does not belong on my credit file.

According to Section 605 ( b ) of the FCRA, if the information can not be verified, it must be removed from my credit report. Yet, Experian has failed to act on this mandate, in direct violation of the law. Your ongoing failure to remove this inaccurate bankruptcy entry within the prescribed timeframe constitutes a violation of my rights under the FCRA.

I have kept detailed records of all prior communications with Experian, including the FTC report submission, and I intend to use this evidence in any legal action I am forced to pursue. Given Experian 's failure to remedy this situation despite clear evidence and my repeated requests, I am prepared to pursue all available legal remedies, including seeking damages for any harm caused to my creditworthiness and financial standing.

This letter serves as my final attempt to resolve this issue amicably before initiating legal proceedings. Should Experian fail to take corrective action within 4 business days from the date of this letter, I will proceed with filing a lawsuit to seek full legal remedies for your failure to comply with the FCRA.

Please be advised that this matter is of great importance to me, and I expect prompt attention and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report, I am not happy when I noticed these inaccurate items in it, they are impacting my score and I want them to get removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my credit report and i requested an investigation and correction and they are refusing to do so i have attached the document i was sent refusing to investigate also i would like their method of verification, their source, also reason why its there on MY report
Product: Credit reporting or other personal consumer reports

dispute letters have been mailed to XXXX, Equafax and XXXX with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX  XXXX  as well. the payments were not late.
Product: Credit reporting or other personal consumer reports

XXXX has violated my right to privacy by reporting this account information. No written consent was given by me granting them access to report any of my personal and private information, nor to communicate any payment history on my behalf.
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  Balance : {$40.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$580.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : FOR ROUND 1 : Personal Information Also Known As : XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former : XXXXXXXX XXXX XXXXXXXX Employers : XXXX  Collection/Charge Off XXXX XXXX XX/XX/XXXX {$23000.00} Late Payment XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My mom, brother, and dog all passed away in my house in XXXX within less than 2 months a week before Covid 19 shut down everything. Freedom Mortgage called me and asked me about forbearance. I was hesitant because I was waiting for my adjudication, but they reassured me that all was easy and wouldn't affect me in anyway. So, they talked me into it to help pay other bills. ( All before I got adjudicated ) When it was time to have everything moved to the end of the loan and start paying again, they wouldn't send me the paperwork to sign. After over a year, I told them that I moved closer to work and all of a sudden paperwork showed up. Yet still after another month or so and several phone calls later. However, when the paperwork finally got to me it was wrong. It had my ex-wife on the paperwork. They had me send in different papers to prove she shouldn't be on there but come to find out, they told me the wrong papers, needed more paperwork, and couldn't find the paperwork. After pressing that they did have it they were able to find it different times. I had the VA, XXXX, and fianc ( now wife ) all on the phone calls with and without me. They also gave the XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX XXXX. XXXX ) a very hard time and wouldn't work with him or answer his questions. They wouldn't even give the VA a payoff letter because I had received one fouXXXX months earlier. FMC refused to stop the sale that never should have been started in the first place. There were much more correspondences between each but never was able to get foreclosure stopped so the buyer could purchase. I was told by the VA that over 90 % of the company ( Freedom Mortage ) were XXXX and of them, over 50 % were being forced into foreclosure. 

The buy was paying cash. All funds had been verified and earnest money paid along with paperwork for closing signed already and they still wouldn't stop it. VA stated that I owed XXXX  XXXX ( ish ) and the buyer was paying XXXX XXXXXXXX which is what it appraised for by the appraised they hired. It sold for XXXX  XXXX and FMC said I owed XXXX  XXXX ( ish ). It is my understanding that they wrote that part off but who knows. They didn't do anything else they said before. My point is, if it was never supposed to be in foreclosure ( per them ), how can they charge me the XXXX XXXX ish? How can there be extra fees if they wouldn't give me a monthly payment or get the paperwork to me? I was even told by the VA that Freedom cliental was like 90 % XXXX and that at least 50 % were being forced into foreclosure. FMC recorded the calls and we have a call or two recorded also. If someone could get the recordings from them, it would be very obvious that they forced me into a foreclosure. 

Please help. Even if I can't get my stuff fixed, It would be nice if they didn't do the same to others. I really would like to get what I deserve out of it and fixed. 


Thank you, XXXX XXXX XXXX
Product: Mortgage

From day one when I was contacted by EMortgage I was guaranteed I would be getting a loan with lower interest rates, lower payment, my debts paid off and cash to do upgrades. I was intentionally mislead, deceived and straight out lied to throughout the whole process in order to get my to agree at closing to a loan I can't afford and debts they refused to pay as agreed leaving me in financial detriment and going to lose my home. It was fraud and they knew it. They then immediately sold my loan so they have no more responsibility to pay what they agreed.
Product: Credit reporting

On several occasions I have send a request for Credit Report along with a copy of new address, Gov, I.D . Copy of Bill, Copy of letter with address from the V.A. They keep sending me the same letter as if they had not received it all. I send the last copy regristered and i recieved the same old froam back. It 's been years going through this. But they keep giving out low score 's which I have not used credit in years.
Product: Credit reporting or other personal consumer reports

Someone stole my credit card and ran up XXXX worth of credit card fees. I put a police report in and it is still on my credit.
Product: Credit reporting

I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.