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

Transunion is reporting false information about me and their negligence is preventing me from obtaining credit due to this serious error.
Product: Credit reporting or other personal consumer reports

I am submitting an FTC report Containing XXXX fraudulent accounts. I am also submitting XXXX inquires I did not apply for. Addresses and employment information to be deleted as well. 
I am also attaching My temporary Identification renewal dated XXXX to verify my identity along with my voters registration card.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$24000.00}
Product: Checking or savings account

My chase checking account was compromised some how. I was in XXXX at the time. Phone and bank card on person. But I noticed that there was an XXXX withdrawal make to my account. I notified the bank. But it seemed like the representative I was speaking with caught an attitude because I mentioned the activity in my account. She hung up. Two days later my card was off and both of my external account. ( XXXX XXXX and XXXX XXXX ) We're both overdrawn by the bank. I received no help. They didn't fix the problem and they closed my account. My loosening {$3500.00}. Out of my account all for no reason. Can I please get some assistance please .... thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX Transunion XXXX XXXX also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Experian Support Team, I hope this email finds you well. My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX Social Security Number : XXXX I have also mailed a formal letter outlining the issue and my details to XXXX at the following address : XXXX Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

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

XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. XXXX XXXX   say my payments were 120 days late and this isnt true. I have been disputing this for over a year now even XXXXXXXX XXXX  got involved and they wont budge. There was a natural disaster in XX/XX/XXXX. The rep then told me I would be on deferment until XXXX. He never notated and it caused problems. I didnt find out until XX/XX/XXXX and it made it look bad on my credit. XXXX I was attending XXXX XXXX online and withdrew in XXXX due to not having enough funds. I should have been on in in school deferment for those months yet the school forgot to report it. This is outrageous and I just want this to get cleared up with all credit beauraus. With XXXX it shows natural disaster and deferment. As of now Im on a XXXX repayment plan. Pleas help me fix this
Product: Credit card or prepaid card

I received a letter from Wells Fargo Bank letting me know someone tried to open an account in my name. I called them and they told me to report it even though they handled things on their end
Product: Credit reporting

Transunion is reporting a collection account for XXXX XXXX in the amount of {$79.00} account XXXX that was never validated. I have asked for a detailed explanation of the charges, a copy of the assignment and other information that they legally should provide before reporting an account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Product: Mortgage

On XX/XX/2021 I had a loss incident on my home, my insurance has currently issued me a check for {$24000.00} over this. This loss was under a previous mortgage servicer, XXXX XXXX. My current servicer, Roundpoint, who's name is now on the check, has specific requirements to distribute this check to me. This includes the claim to total under {$40000.00} ( which it does ) and for the loan to have been not delinquent during the loss event. Roundpoint is claiming my loan was delinquent during the event. This is false. I have attached my payment history with my previous servicer to reflect this. In order for a loan to be delinquent it would need to have been 30 days past the due date. It never was. 

My account with Roundpoint was not current for multiple months this year, this was due to an accounting error on the part of my previous servicer which was resolved, and Roundpoint has admitted this in previous complaints and has addressed all the errors and removed all delinquencies on their end and along with the credit bureaus. I have attached that letter also proving such.
Product: Credit reporting or other personal consumer reports

I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/XXXX  LIKE THEM REMOVED PLEASE
Product: Credit reporting or other personal consumer reports

There are inquiries that I am not aware of showing on my credit report.. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX need to be removed because under SCRA benefits my payments should not exceed over 6 %.. The creditor is stating that I have been approved for SCRA benefits applying to this account but it doesnt qualify for the 6 %.. Please remove this account from my credit report as this is not lawful..
Product: Mortgage

Complete XXXX Loan Modification Package submitted to Seterus on XXXX/XXXX/XXXX. They did n't review the documents for over 30 days, making the documents out of date. Updated documents sent and sent again. Called and told the package was complete. Called a few days later and was told there were missing documents and the other agent was mistaken. Sent in the missing documents. Then apparently another missing documents letter was sent to the homeowner on XXXX/XXXX/XXXX. Was not received until XXXX/XXXX/XXXX. XXXX asked for missing docs to be submitted by XXXX/XXXX/XXXX - over the XXXX holidays!! DOcuments not received by XXXX/XXXX/XXXX and file closed on XXXX/XXXX/XXXX. XXXX XXXX at Seterus now saying that file can only be reopened with ENTIRE NEW PACKAGE SENT, and the cycle starts all over. WHY DOES SETERUS DO THIS TIME AND TIME AGAIN?? It 's back to XX/XX/XXXX. XXXX XXXX 's supervisor, XXXX XXXX says we do n't have to resubmit a NEW PACKAGE. We just have to send in the information requested in the missing document letter. What is correct or true? 

Seterus on behalf of XXXX is deliberately not reviewing documents and providing false and misleading information about these files to homeowners and their advocates. 

I just spent 30 minutes on the phone with XXXX XXXX, who said that the file was closed because they were seeking information that was duly provided ( I have emails that show the information was sent ) about a contributor. This also happens time and time again. You send Seterus information and they claim they never got it. 
I still do n't know what to do or what to send and why I have to send everything in again, just to be in the same place in a few months. Why is this going on in XX/XX/XXXX!
Product: Mortgage

I went under contract XX/XX/year> to purchase a house for $ XXXX under an LLC XXXX XXXX business partners. Before going under contract, I inquired about the terms of a loan with Logan Finance Corporation through a loan broker from XXXX XXXX. I explicitly asked if they calculate the XXXX index using short term rental income via XXXX  and was told they do. I was given a rate of 6.624 % with XXXX points ( {$5000.00} ) for a loan of $ XXXX and 25 % down payment. In addition to this loan, I was also getting a loan on a different property that was owned free and clear. 

XXXX week before closing ( closing on XX/XX/XXXX ), my loan officer informed me that the lender, Logan Finance Corporation, was changing the cost because they are using market rent + 15 % and not the short term rental income. This brought the cost up to 6.624 % with XXXX points ( {$15000.00} ). We postponed the closing of the refinance loan until they fixed this. They refused to lower the points but my broker lowered his fee to make up for some of the difference, not all of it. Also, when this happened we pushed the closing date to XX/XX/year> to give me time to deal with the lender. 

I closed on the XXXX loan on XX/XX/year> because we were satisfied with the pricing of the purchase, even though it was higher than what was originally quoted. Then, on XX/XX/year>, I was informed that the lender was forcing us to use an interest only loan at 6.749 % and XXXX points ( {$29000.00} ). We had no choice but to back out of the loan and lose our earnest money deposit. 

We had a rate lock. We were told they used short term rental income to qualify the loan. Neither of these things meant anything. They tried to force us into a more expensive loan and we lost a lot of money because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XXXX XXXX, XXXX I deposited a cashiers check drawn on XXXX XXXX  XXXX XXXX XXXX for {$2500.00} via an ATM. Chase placed a hold on all the check 's funds until XXXX XXXX, XXXX. This had never been done to my account before, and it was surprising since my account is not new. I contacted customer service via email about this, but they could not help. As a result of this hold, the bank charged me a total of {$400.00} in overdraft fees. Some fees were refunded in an arbitrary manner, but as a result of this arbitrary hold, I had to pay {$270.00} over the following days until XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open 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 TransUnion 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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

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

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

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. 

XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX account # XXXX Have violated my right! 

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.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 

Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXXXXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor XXXX XXXX XXXX  Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXXXXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 
Creditor : XXXX XXXX Account : XXXX Reason : The information provided is inaccurate. Instruction : Immediately delete and provide an update. 

It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do so on multiple occasions, thereby violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide me with the supporting documentation from their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing XXXX  anguish and XXXX due to how I am being perceived due to these negative items.
Product: Credit reporting

Midland Credit Management , Inc. is a debt collection agency that has violated the Fair Debt Collections Act by adding a negative account with the Credit Bureau on my credit, which I have not given permission or signed a contract with, nor do I know who they are and is affecting my credit score, preventing me from moving forward with my life. I have contacted their company and they refuse to help me. I have requested the contract that I allegedly signed with them and they can not provide it ( because there is not XXXX ). I demand that this situation be investigated for fraud and trespassing and have them removed from my credit account with the Credit Bureau.
Product: Credit reporting or other personal consumer reports

This account was repossession on the following date XX/XX/2020. Since then, the account has repeatedly been updated as repossession every month. This the update in the payment history. This account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you do it twice and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern : With respect to where/how this alleged account was originated, I have not the slightest idea? 

I have not had any business with XXXX XXXX XXXX XXXX ( other than many years ago with home telephone service?? ) Additionally I have never received any statements, letters from a collection agency concerning XXXX XXXX XXXX XXXX, phone calls, emails, no communication whatsoever. 

The amount they are seeking/claiming that I am owing them is {$1400.00} This is nothing short of an attempt to extract monies from me, and or them chasing the wrong individual.
Product: Debt collection

XX/XX/XXXX To Whom It May Concern : I am filing a report about a collection that has shown in my credit history. I am in the process of buying a house and the first Lender ( XXXX XXXX XXXX ) checked my credit score with XXXX my score is XXXX. The second Lender ( XXXX XXXX XXXX ) also checked my credit score and it dropped to XXXX. When I inquired what caused my score to go from 800 plus to below 700 after years of excellent credit history ; I found out that the collection showed in two credit bureaus ( XXXX and XXXX ) an unpaid collection of {$10000.00} from a creditor named XXXX XXXX XXXX that was dated XX/XX/XXXX per the dept collector agency IQ Data International. 
This is not the 1st time that someone has used my information as the same thing happened to me lastXX/XX/XXXX, when a person named XXXX XXXX used my SS number, my maiden name, and previous home address to lease a room in XXXX XXXX. I reported this to 3 credit bureaus and asked for security alert. I don't know why it happened again. I am afraid that someone or a possibly a group of individuals are continuously using my identity and ruining my credit score. I am again contacting the FTC/CFPB to prevent further damage to my identity and credit. I have again already reported this issue to XXXX and XXXX about this incident. XXXX bureau has not received notice of this collection. Please advise as this has been going on for more than a year now. 
Below is the 1st report I made to FTC in XX/XX/XXXX for your reference. 


Sincerely, XXXX XXXX " XX/XX/XXXX To Whom It May Concern : I was given notification from XX/XX/XXXX. XXXX XXXX ( Ph # ( XXXX ) XXXX-extXXXX ) that I owed {$130.00} to a creditor titled : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, acct # XXXX. I sent a letter of dispute informing this transaction was unknown to my knowledge. I received a call from XXXX   today,XX/XX/XXXX and was told that my identity must have been stolen and the culprit is actively using my social security number ; the person applied online and tried to lease a room in the said company name listed above for a year. 
XXXX emailed me the lease contract that was created under my name and it states that I moved from XXXX   to XXXX. In the contract, submitted under my name falsely, someone was listed as a contact or claimed to be my friend and she is supposedly my emergency contact. Her name is XXXX XXXX, contact information ( XXXX ) XXXX email : XXXX. It also says in the contract that I am currently employed at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, supervisor name is XXXX XXXX, ( XXXX ) XXXX. In the contract, my maiden name, previous home address and current social security number were provided ; my drivers license, income, phone number and the date when I moved out of my previous home were incorrect. Obviously, someone has my vital information and is pretending to be me. I am contacting the FTC to prevent further damage to my identity and credit. 

Thank you, XXXX XXXX ''
Product: Credit card or prepaid card

First, I can not access to Comenitys response to my complaint. I closed the account based on their slow process of processing payments. It appears the slow processing goes past the due date and I was charged late fees. I paid XXXX to assure closure, and just received a bill for XXXX to complete the closing of this account. Please address this company 's dishonesty of processing payments.