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

I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX  more recently, and I'm sure Transunion will be just as useless as XXXX  and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Dear CFPB Representative, I am writing to formally dispute the results of a recent account verification provided to me regarding an account with XXXX I previously requested full validation of this account, but instead, I only received a basic verification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand validation that includes physical proof that this account belongs to me. 

This issue is especially concerning because I am a XXXX, and mistakes in reporting are possible. I request physical documentation proving that the account associated with the details below is correctly attributed to me : Account Information : XXXX Account Number : XXXX Credit Bureaus : TransUnion, XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$0.00} Please provide the original signed contract or any other supporting documentation showing that I am responsible for this account. If the company can not validate the account with appropriate proof, I request that this account be promptly removed from all reporting credit bureaus. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX I kindly ask for your immediate attention to this matter. Please notify me once the validation has been provided or the account has been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

I owned a property with a partner, mortgaged by Freedom. In XX/XX/XXXX, I assumed full ownership ( via a mortgage assumption ) of that property. I previously had an online account, but since the assumption, have yet to be able to create a new one. I have called many times to request a formal complaint to Freedom and never been put in touch with the appropriate person. I am unable to understand the rationale that the system software can not be updated. Without an online account, I am unable to easily see my loan balance, escrow balance, escrow payments, etc, This has recently caused an issue where I change insurance companies, but Freedom had disbursed an escrow payment to my old insurance company already. 

I do not believe Freedom Mortgage has taken appropriate measures in a timely manner to rectify the software issues they mentioned in their original response. Per Freedom 's XXXX  response, the software changes were instituted in early XXXX, over XXXX years ago, which is an appropriate amount of time to rectify any software changes.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated, this is being shown as XX/XX/XXXX or XX/XX/XXXX. These inaccuracies are highly injurious to my credit score. The information of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX never occured. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several XXXX, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. 

I appreciate your immediate attention to this matter and your commitment to rectifying the inaccuracies on my credit file. Thank you for your prompt action in resolving this critical issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Bank charged {$36.00} overdraft fee on account for me paying my electric bill, which unknowingly overdrew my account. 

DATE : XXXX XXXX Description : ELECTRONIC/ACH DEBIT WITHXXXX XXXX XXXX XXXX  XXXX XXXX Withdrawals : - {$88.00} Balance : - {$23.00} Description : OVERDRAFT ITEM FEE FOR ITEM {$88.00} WITHXXXX XXXX XXXX XXXX XXXX Withdrawals : - {$36.00} Balance : - {$59.00}
Product: Credit card

On XX/XX/year>, I received a letter from Bank of America ( BoA ) regarding a claim associated with my account ending in XXXX. This letter indicated that BoA was working on my claim and requested that I provide additional information to support my dispute within the next 10 days. The communication advised that while the claim was being researched, I was not required to pay any part of the disputed amount and should continue making payments on the remaining balance to avoid interest charges or late fees. 

However, the letter lacked critical details necessary to properly address my dispute, including : The specific claim number, which is essential for submitting further documentation. 
The transaction date related to the disputed amount. 
The merchant 's name involved in the transaction. 
The amount in question for the disputed transaction. 
These omissions have significantly hindered my ability to respond appropriately to the request for additional information.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not responsible for them. Their presence has caused me considerable emotional and financial strain. As an identity theft victim, I may need to pursue legal action if this matter is not adequately resolved. These fraudulent entries on my consumer report have negatively impacted my ability to purchase a home and provide for my family, significantly affecting my financial stability. I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Debt collection

I have not received any documentation validating the debt that they are trying to. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Product: Debt collection

I noticed an increase in unknown calls, private, unavailable calls, calls from numbers I did not recognize starting in XX/XX/XXXX. I started keeping track of the numbers in XX/XX/XXXX and did some research and found two repeated numbers belonging to Convergent outsourcing Inc . They have called me on my home phone number and cellphone. I started to keep a log of the calls received XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I mailed a do not call letter - certified mail return receipt, which they received on XX/XX/19 - but they still kept calling. I called and have talked to them several times and told them to do not call me - but they still keep calling. 
I filed a lawsuit against them for violating the TCPA act and they received it on XX/XX/19 but they still keep calling. They continue to violate the TCPA by continuing to call me on my cellphone without my consent : I am not their debtor, and they have been notified in writing, by phone calls and by a lawsuit to stop calling but they still continue to call. I will be filing a second lawsuit on XX/XX/19 for the continued violations of the TCPA act and FDCPA compliance.
Product: Debt collection

XXXX XXXX XXXX is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX for an XXXX  account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to Midland credit stating the don't have that authority. 

2. When i called midland credit asking for the same thing, they sent me back to XXXX XXXX XXXX stating the account is no longer in their hands. 

3. I submitted an offer to XXXX XXXX XXXX on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from XXXX XXXX XXXX stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between Midland Credit & XXXX XXXX . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$11000.00}
Product: Mortgage

Good Afternoon, Last year I felt a bit squeezed financially by Covid and the lack of overtime at my work so I took Bank of America up on their offer of help. I agreed to a temporary reduction of my loan. I successfully paid during the trial period. After the trial Bank of America offered me a 30 year fixed new rate. But I turned it down because I only have $ XXXX left on my loan so it was foolish to even entertain this offer. I still have $ XXXX left on my loan never missing a payment and at times paying more. But Bank of America has tacked on an extra payment of $ XXXX on to my loan after I rejected the permanent offer. They even add extra fees every month as late fees to this new amount they say I owe for missing payment during the trial. I paid what they told me to pay ever month. 4 months. I asked for help and they have hurt me not helped me. Its like I went to the mob for a loan and have to pay a vig. 

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

On XX/XX/2018, I emailed & called Equifax to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. I was going over all the inquires on my credit report that shouldnt be there which is all besides like 2. As I  was going over this I can hear in his voice how he didnt care but I just kept going so after I informed him of everything all he said was I will not to contact the companies that placed the inquires and I stated I did but they stated I needed to contact yall so both companies was giving me the run around. I would love for you to speak with them to see if they can remove these unauthorized inquires off my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts below with TransUnion, XXXX and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting TransUnion, XXXX  and XXXX to delete these inaccurate accounts per Section XXXX, XXXX and XXXX of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX  : Account # XXXX Thank you, XXXX
Product: Debt collection

I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. 

I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
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. 

Account name XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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, credit repair services, or other personal consumer reports

Im in the process of trying to get a house. I noticed on my identityiq account that some information was different on my Equifax report then XXXX  & XXXX  report. After a failed attempt of not being able to log into my account I called Equifax to report it.The security questions the representative asked me I couldnt answer the questions because I kept explaining that I have no knowledge of those accounts so someone must have stolen my identity. The rep said because I couldnt answer the questions he couldnt grant me access. This situation went on for a month. Last month I think it was XX/XX/XXXX, spoke with another representative. This representative did the same thing with the security questions Im explaining the same thing to her. She stated that I needed to send a copy of a form of ID, social security number, & a letter stating why I was sending the papers. I faxed the copies like she said. A few days later I still couldnt get into my account. I kept being told the same thing over and over. I called this morning explained to a representative name XXXX the situation. He then asked me two security questions. The first question was about me having a credit card and the credit limit. I explained to him the credit card I had years ago. He asked for the name of card so Im trying to scroll up phone to find it. So I told him the name. Then he became rude and started raising his voice saying NO WHAT IS THE ORIGINAL CREDITOR NAME? I said well you didnt say whats the original creditor name. I gave him the original creditor name. He then asked for my place of employment. I gave the name. He then said Ok Ms.unfortunately I will not be able to grant you access to the account because the answer for your job isnt up here. He then stated that I would to mail in a letter to request a copy of my credit report. I said sir I just told you at the beginning of the conversation that I had already done that. He looked it up and said O yea you sent it in but it was shredded because it wasnt legible. I stated that Ive feel like Im being sent all over the world just to get access to my account. I know that that their making sure they have the right person but like I kept explaining to them that someone has probably have stolen my identity because I have absolutely no knowledge of those questions that they were asking me. Everyone expect the representative XXXX was nice, but he was rude. This is very aggravating because I need access to my account because I am in the process of cleaning my credit and I need to know if someone has stolen my identity. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA