23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I do n't know who 's social this is.after being denied credit and seeing the reason i did some investigating and found that credit karma a third party is reporting inaccurate information. I spoke with the XXXX bureaus they show one thing credit karma another. I am attaching a transunion report with supporting documentation. I am XXXX behind this. Because of this i have to apply for a secured card just to try and build my credit while disputing this mess. I attached the denial letter with a score of XXXX. XXXX says i have no score but yet i pulled all three bureaus and it shows a score. As a consumer im confused and dont know how to fix this. 

Please help me. I want to buy a house and a car with a good interest rate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have requested to receive my ( 3 ) annual Credit Reports from the three credit reporting agencies. Each time, all three try to get you to pay for an enhanced report or services to get you a higher credit score. All I want is my ( 3 ) credit reports so that I can review them. They must by Federal Law, supply your reports free of charge every twelve months. They are not following Federal Law. It is just the agencies looking to make money when they should be following the Law. I am not going to call and waste my time on the phone with more ads to grab money for the reports. 

Sincerely, XXXX XXXX
Product: Credit card

I am being charged for something I did n't get/make. I did not authorize anyone to make this charge from XXXX and I did not make it myself. I will not pay for this charge!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act convergent these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a company XXXX reporting on my Transunion Credit Report XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not received any documents proving that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for US. Bank mortgage but this information is inaccurate. I disputed the reporting with XXXX in addition to US. Bank. I provided a copy of my XXXX bank statement to both U.S. Bank and XXXX. I received a document from XXXX stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. U.S. Bank sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to US Bank through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both XXXX  and US Bank claim. My bank statements reflect a transaction number for both payments in which USBank can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, US Bank dispute letter is my XX/XX/2018 bank statement from XXXX Credit Bureau.
Product: Credit card or prepaid card

I booked 2 rooms at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) on XXXX for my family. The reservation was under my father 's name of XXXX XXXX and we paid using my, XXXX XXXX XXXX, Chase credit card. The hotel stole my, XXXX XXXX 's, credit card information when we were paying for our 2 hotel rooms. They used my credit card and charged me an additional {$2200.00} for someone named XXXX  XXXX, who stayed at the hotel for 20+ days. Immediately when I saw the charge I called and spoke to the manager at the hotel, XXXX, who told me there was no charge under my name of {$2200.00} or any other charge as such. Later when he was on a recorded line with my credit card company, Chase, as they were doing a fraud investigation he admitted he found a charge of {$2200.00} under a man named XXXX  XXXX. I do not know who XXXX  XXXX is and how the hotel was able to get access to my credit card information to charge another guest as my credit card never left my possession. Per hotel receipts, XXXX  XXXX checked into the hotel at XXXX XXXX  on XX/XX/20 and our two rooms under XXXX XXXX were checked in at XXXX XXXX  and XXXX XXXX, 10 minutes after XXXX  XXXX checked in. The hotel insists that my card was used to check in the reservation under XXXX  XXXX but that is not possible as he checked in before us and there is no CCTV footage or proof of signature that I authorized my card to be used to check him in. My card never left my possession through this entire process. I have filed a police report against this hotel and XXXX XXXX as well. My credit card company, Chase, has closed the fraud investigation twice without contacting the hotel or providing any proof of signature. They keep saying my card was inserted into the chip reader but have not pursued any investigation as to the fact that the bill is for someone I do not know.
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 XXXX  : # XXXX, XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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

Checking my report today and I noticed items posted that I find to be inaccurate I never gave anyone my consent to open anything or inquire about these items that post inaccurate on my report please help me I work very hard for things I have and I dont need this on my account slowing me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account, XXXX XXXX, several times with Transunion. The errors have not been corrected and the account remains on my credit report the same way. The account has several missing payments, which is incomplete information. I have pointed this out with documents several times. Still, the issue has not been fixed and the account has not been deleted. This is not fair. The company has to report ALL information. Look at the attached document. You can CLEARLY see the missing payments. The account was opened in XX/XX/XXXX. Look at the open date. However, there are no payments reported until XX/XX/XXXX, which is over a year after the account was opened. There are also several missing payments throughout the reported payment history. Incomplete information is a violation of the Fair Credit Reporting act. TransUnion has allowed this company to continue to verify this incomplete and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit report and saw a number a hard inquiry from XXXX XXXX XXXX, SD XXXX. Never applied for a XXXX Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Product: Debt collection

I have spoke with the collection agency and they have acknowledged my concern and have requested information to have the dispute resolved. Unfortunately, after sending them the required information I have yet to have this information resolved. it has been 3 months now and I have not received any contact, and when I contact them now they refer me to a answering machine.
Product: Debt collection

I received a notice from a Id protection company that a debt is showing my credit report. The charge is for a medical bill that is not mine. Columbia Collection Services are the ones with the debt. 
XXXX is the reps name XXXX
Product: Credit card

I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.
Product: Credit reporting or other personal consumer reports

I request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX, has violated my rights. 
The report is incorrect, account is paid for and settled and should report correctly. 

I looked at my XXXX credit report on XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On today XX/XX/2022, at around XXXX XXXX, I activated the prepaid Mastercard gift card that I purchased on XXXX at XXXX XXXX  at the XXXX XXXX located at XXXX XXXX XXXX XXXX, North Carolina XXXX. After activating the card and having only used the card for a one-time purchase of XXXX for inmate call. Then checking the card for the balance, I found the there was another charge in the amount of XXXX for a company by the name XXXX, with no address nor contact number, with the card ending in XXXX that I just activated. Which would have been the remaining balance on the card. And only the card company or hackers would have this information. I did contact customer service at XXXX. The rep advised me that I would need to wait 10 days before I can dispute the charge, he also advised me that I would need to call back on XX/XX/2022, because that would be the ten-day mark. And to contact the retailer. I advised him that the company is to supply the retailers contact information, address, and item purchased. None of that was supplied by XXXX. There are federal guidelines that the credit card company should be following with regard to producing transaction information, that they are not following.
Product: Mortgage

My mortgage was sold to Shellpoint Mortgage 2 years ago by  XXXX   XXXX   XXXX . Shellpoint states on invoice that payment cut off is the  XXXX  of each month. In order to get credit in a month one must send in the prior month, or they wont process till the  XXXX  of each month.Thus, in my case  XXXX  penalty fee.  XXXX  my check was mailed the  XXXX  of  XXXX , cashed on the  XXXX , by Shellpoint.You will see this in my history. They are a predatory debt collector.
Product: Credit reporting or other personal consumer reports

Subject : Update on my {$30000.00} line of credit on my credit reports ( XXXX, TransUnion and XXXX ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my TransUnion report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the XXXX credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my XXXX credit report, I noticed that the {$30000.00} credit limit does not appear
Product: Mortgage

In XX/XX/year>, we knew that we were going to be struggling with our mortgage. I was laid off from work, and my husbands hours were cut down at his shop. So we called our mortgage servicer, Mr. Cooper, who told us to apply through them for a mortgage assistance application. They also told us to talk to XXXX regarding an emergency mortgage assistance application as well. We submitted all the documentation that Mr. Cooper requested, and they are since requesting more and more documentation. Mr. Cooper keeps moving the goal post and delaying our mortgage assistance application with them. The delaying of the application through Mr. Cooper also caused us to get denied for emergency mortgage assistance through XXXX. XXXX could not give us a decision on their application because Mr. Cooper is not making a decision on their application. Instead, Mr. Cooper keeps delaying the process and asking us for more information, which we give them immediately. But because Mr. Cooper keeps delaying the process, we are growing closer and closer to foreclosure. We have XXXX special-needs children under the age of XXXX and can not afford to lose our home. But because Mr. Cooper keeps on delaying the process, we are left without any help and we are left, unsure of whether or not we will be able to keep our home. We have been going through this process with Mr. Cooper for emergency mortgage assistance application for months, and still they have not made a decision. Furthermore, we are unable to contact and get an answer from anybody from Mr. Cooper. Anybody who we call from Mr. Cooper can not and does not offer us any help or assistance or guidance regarding our situation or our application with them. I truly feel that this mortgage lender wants us to lose our home.
Product: Mortgage

I tried several times to do a loan modification with Selene that was denied. I ended up filing for bankruptcy and surrendering the property. Selene Finance is now attempting to do a sale of the property. Selene never gave me notice in writing that they were attempting to foreclosure on my property. I understand that if I didn't pay that it would happen but I never got any paperwork to show that I foreclosure was being done. I owe to much to keep the property and that's mainly because they kept denying my loss mitigation packages. I even attempted to give the a deed in lue of after the bankruptcy and they denied that also
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}