23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I reached out to TRANSWORLD for Verification of Debt and only received the FIRST PAGE of a lease agreement and a bill. 

On XX/XX/year> I called TRANSWORLD and asked them to reach out to the Original Creditor for a full copy of the lease/application and the Identification used to apply for the apartment. I was told " NO '' and representatives refused to send me to a Supervisor. 

XXXX XXXX NOT HAVE THE ORIGINAL DOCUMTNTATION OR PROPER IDENTIFICATION TO PROVE DEBT** This account has been removed from most of my credit file in some areas, but remains in other areas. I am distressed that that TRANSWORLD has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the reports being sent to Credit Agencies. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be REMOVED. 

To date, you still have not fulfilled the intent of the Fair Credit Reporting Act, which requires your bureau, as a consumer reporting agency, to maintain and ensure that information " is fair and equitable to the consumer. '' The law ( 15 U.S.C. Section 1681e ) stipulates that credit bureaus will " ... follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' These requirements have not been met by your actions. You have not given me evidence that you have acted in a prompt or " fair and equitable '' manner, as enumerated below : 1. You have not submitted evidence of investigation by reaching out to the Original Creditor, and have refused to do so.

2. You have not removed any item for which no verification could be found within thirty ( 30 ) days.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it AND the identification and Social Security provided to obtain the residence ) that you have on file for the account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Product: Mortgage

While out of state for graduate school, I experienced financial hardship due to the pandemic. Therefore, I entered into forbearance beginning XX/XX/XXXX. During the active forbearance period, Quicken Loans sent a company to my home to " secure '' it around XX/XX/XXXX. During this securement process, the company damaged my property. Now, Quicken Loans has made me financially responsible for almost {$3000.00} in fees related to the securement and takes no culpability for sending a company to my home that damaged my property. Additionally, they provided no explanation or receipts for how the fees were attained nor did they try to mitigate the financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX reported a fraudulent account over a year ago provided all the paperwork to prove it was not me XXXX XXXX XXXX and XXXX are still reporting as a charge off bad that I have been fighting with them for over a year now all three credit reporting agencies Refuse to work with me even though I have contacted all three and filed a report although I can not remember the report number last year with the federal trade commission it is hurting my credit I have personally called XXXX XXXX XXXX and XXXX to get them to remove this off my credit report and they refuse to do it
Product: Debt collection

This creditor is violating my right under the fcra law, this account dont belong to me and cant be verified therefore, its hurting my score and is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit bureau scores and realized that Equifax was reporting my XXXX mortgage as Closed, has not reported since XX/XX/15, and was included in my bankruptcy. This is not correct and is having a severe effect on my scores and my ability to possibly refinance my home loan. 

I have attached a screenshot of the three bureaus. As you can see, XXXX and XXXX are reporting correctly.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

filing this complaint against XXXX XXXX XXXX  XXXX due to inaccurate and unverifiable information being reported on my credit file. 
This account was closed and paid off, yet it is still negatively affecting my credit score. 
I never missed a payment, yet 60-day late payments are being reported inaccurately. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but XXXX XXXX XXXX  has failed to verify or correct the reporting. 
Under FCRA 611, if a furnisher can not verify an accounts accuracy, the information must be corrected or removed from my credit file.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I contacted Suntrust Bank for the payoff amount for my mortgage. I was told it would cost {$15.00} to fax the information. It could be given verbally or mailed for free. 

I was then told I had to send guaranteed funds to pay off the loan, not via online payment or a personal check. I have made the monthly payment online and they were happy to take it. It seems unfair to pay for a wire or casher 's check to be required to pay off the loan. They also do not credit the escrow funds to the payoff amount, you have to wait for them to mail it later. 

It seems they are making it difficult to pay off the loan early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an ongoing dispute with Equifax due to their inability to show accurate information on my credit report compared to the other two agencies. Equifax has since been in the news regarding allegations I alleged in my previous complaints associated with my credit report. Since monitoring my report in XXXX of XXXX, I had a score that was in range with the other two reporting agencies, and since XXXX of this year, my score has dipped by 25-30 points compared to the other two agencies. Plus, Equifax will drop my score by at least twenty-five points compared to the other companies that might have it drop by XXXX points for an inquiry. Plus, since having made several payments on time with my credit cards that are not the best, Equifax will list payments late while it will report to the other companies on time. I have a small business, and Equifax gives an XXXX grade with the same information reporting to XXXX, who gave me a XXXX rating for a business with the same reporting information with credit. Equifax lags behind the other two agencies with reporting information accurately, and I did receive a denial letter for working capital, and it stated that it was due to missed or late payments and derogatory neighborhood for the denial of working capital information was provided to the lender from Equifax. There are concerns with the reports but nothing as blatant as the incorrect reporting of information as it appears with Equifax. 

Please, I have a daughter whose name is XXXX XXXX XXXX, and there have been several attempts to merge the files again with her previous addresses to mine. Her birthday is XX/XX/XXXX, and mine is XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she is XXXX XXXX XXXX. I am XXXX XXXX XXXX her name is not an alias for me ; she is my daughter.
Product: Mortgage

Chase has misapplied the majority of my mortgage payments to my principal and interest. 
Many large payments sat in suspense accounts while my higher loan balance could accrue more interest for Chase. 
I made a {$31000.00} payment on XX/XX/XXXX. Chase held the payment til XX/XX/XXXX before they applied the payment to principal and interest. My principal did not get paid down so I accrued more interest. The same thing happened with my {$200000.00} payment Then Chase reported me not making my XXXX mortgage payment to the credit bureaus and sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am clearly a victim of retaliation except my credit report is taking the hit. I made a flow up report to XXXX XXXX about the XXXX dealer that sold me a car 2012. The bankruptcy court and attorney advised I had to return the car because the court did not approve. The dealership lied. The car was returned a few months later in 2012. After filing a complaint on XXXX and XXXX and Experian. Experian allowed a company called XXXX XXXX in XXXX Texas to list this as a new collection item which drop my score XXXX points. At what point to I have a regulatory advocate that stands up for my rights. I am victmiized over and over. I can only think it is all tied to my complaints on the ther major companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was trying to purchase a home I noticed the were accounts that was reporting delinquent and this not true. In the past these same companies XXXX XXXX XXXX and XXXX Bank ; XXXX XXXX ) had to correct their accounting and billing for the same mistake. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is invasion on my report and a defamation to my character. I take my credit very serious so these late payment should be corrected as current immediately. According to, 15 U.S. Code 1666 the creditor should make appropriate corrections in the account of the obligor and correct their billing immediately so I can proceed with buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report to see that 01 XXXX XXXX is calming that I have {$140.00} outstanding and placed for collection. It looks like they are a payday lending company. I have never and would never be involved with pay day lending and have never heard of this company before. 

This is fraud.
Product: Checking or savings account

Last year 2020 I made I account to cash app had my benefits sent there from unemployment on XX/XX/2020 cash app shut down my account they still have my XXXX and I cant get it off
Product: Money transfer, virtual currency, or money service

i sent a FINAL payment on a loan from Coinbase, paying them back on their own website.It just so happens that when i clicked on the make a payment key, nothing happened for like 2 minutes, and i thought maybe i didn't click hard enough on the keyboard, but it turns out i did, and a payment for U {$620.00} went trough, instead of my click take me to the next step forward, it took another payment?! Imagine if i had clicked a few times? 
It is not acceptable for a site of that financial magnitude to have that happen on their site, whoever designed that ... .WHEN YOU CLICK MAKE A PAYMENT IT SHOULD NOT ALLOWED ANYTHING ELSE HAPPEN, EVEN IF YOU CLICK ON IT AGAIN, ONE CLICK, ONE ACTION, NOT 2/3 CLICKS 2/3 PAYMENT?! XXXX?! 
so because i canceled a payment with the bank, after not hearing at all from their non existent customer service depot ( there is no phone number or a human " customer service '' representatives, for a XXXX XXXX dollar company?! ) So Coinbase decided that they should sell some of my assets, for a THIRD payment, on something that had been paid off weeks prior. and STILL AFTER 6 BUSSINESS DAYS OF THE PAYMENT ARBITRARILY MADE BY THEM SELLING MY ASSETS, on top of the 2 payments i made, I STILL HAVE NO ACCESS TO MY ACCOUNT, AS T HAS A " PENDING '' STATUS, NOT SURE WHY, SINCE THEY HAVE BEEN PAID 3 TIMES ALREADY, AND IT HAS BEEN OVER 2 WEEKS OF THE INITIAL XXXX ....?! 
WHY THERE IS NO REGULATION ON THAT COMPANY THAT JUST WENT PUBLIC WITH NO CUSTOMER SERVICE TO SPEAK OF? HOW IS THAT POSSIBLE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi XXXX of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a number of inquiries on my credit report for XXXX, XXXX, and Transunion that I did not authorize in XXXX and XXXX. I keep getting frequent notices that my information was sold on the black market. I need this inquiry to remove from the credit bureau.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 


Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As of XX/XX/XXXX my mortgage was sold to BSI Financial while I was on a 6 month forbearance plan due to XXXX. As of XXXX  Ive been making on time and in full monthly mortgage payments to BSI Financial from the same checking account. In XXXX of this year, BSI Financial sent me loan modification paperwork stating that the 6 months worth of mortgage payments would be sent to the back of the home loan, and to continue to make my monthly mortgage payments. BSI Financial has been taking my payments as per my mortgage agreement from the same account since XX/XX/XXXX. As of XXXX my account isnt updated and BSI Financial reported those 6 months ( 180 days ) of payments delinquent to the credit bureaus which has negatively effected my credit score. There has been no movement or action taken place by BSI Financial to correct this issue.
Product: Debt collection

Im a victim of identity thief and accounts were used in my name to obtain funds loans and launder money
Product: Mortgage

This is in response to the original complaint that I filed on XX/XX/XXXX, complaint # XXXX. I want to Thank You for the detailed response that you provided, but this was not what I was told in XXXX about getting out of Forbearance. In your response you stated that we can apply for an exception to by filing out the complete financial package ( which was sent to us with a XXXX return label ) The package was XXXX back on XX/XX/XXXX. When I called the following week I was old that the package was denied. The resubmission and denial response were posted before I even submitted the package!!! When I questioned this I was told my package will not make any difference and their decision was already made. 
I am working hard to resolve this matter but I am not solutions from them ( Specialized Loan Servicing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint against Transunion for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Transunion no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Transunion regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Transunions blatant disregard for federal law. It is my belief that Transunion feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Transunion has caused me sleepless nights, stress, anxiety, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Product: Debt collection

This company called Me at XXXX XXXX which is way outside of the time that they can call me they left a voicemail that was automated which is so unprofessional. The main concern is they are calling at almost XXXX oclock at XXXX this is ridiculous and they need to be reported for it.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : XXXX. Validation of the alleged debt ( the actual accounting showing a loss ) ; XXXX. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
Product: Checking or savings account

Ive been a XXXX. XXXX for over 12 years. The {$35.00} overdraft fee has took it's tole. Sometimes would take 2 days or three days to repleanish funds. No ryhme or reason.
Product: Credit card

A bank of America card is showing up on my credit report for over {$500.00} and shoes its late and negatively impacting my credit report. I have never opened a credit card with BofA. Or have a account with them.
Product: Debt collection

There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report : XXXX XXXXXXXX. 

They are hurting my ability to obtain credit. 
Please remove these items
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX file number XXXX, LVNV funding needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is still remaining account on my report which is fraudulent and resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus is required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I currently owe XXXX XXXX approximately {$1500.00} and Aargon Agency is listed on my credit report as the debt collector. I have called Aargon Agency to pay the debt but they claim that they can not take my money to satisfy the debt because they say it was discharged in a bankruptcy. However, I have never filed bankruptcy. I simply want to pay this debt and they won't let me, which is very odd.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX stated i have a bankruptcy on my credit report and they said they verified my information through XXXX but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I've noticed an unfamiliar account on my credit report that isn't mine.