23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I was trying to get a loan mod from US Bank. I submitted all the required paper work.They told me they never received the document package. I re-submitted via fax and certified letter. They told me that they would respond within 21 days. 14 days later, they foreclosed. I filed a bankruptcy. For nearly 4 years they maintained that they could not locate me original loan documents. When they finally did, the bankruptcy was resolved. US Bank attorneys agreed to, and signed off on the plan. Our case was closed on XXXX/XXXX/XXXX. 

Since that time, I have been contacting US Bank asking for a full accounting of my payments and a monthly statement. They refuse to provide a monthly statement stating " my loan is in a open active bankruptcy '' and they can not provide a statement. I have had my attorney fax them the complete information, the discharge order and the order closing the case ... and they just maintain that they have not received any information. I have fax transmittal records proving that they, did in fact, receive the information. 
I do qualify for HARP re-financing of my original ARM loan, but again, they refuse to talk with me because " ..my loan is in a open active bankruptcy ''. 
I want to get these issues resolved, and all of my efforts have been rejected by US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occasions, I sent in dispute letters via USPS to correct inaccurate and unverifiable information on my credit report. The latest dispute letter was sent on XXXX.I called Transunion several times, asking if my disputes have been received and each time I am advised that there is no dispute on file. There is a bankruptcy reporting with the incorrect filing date and incorrect court name. I contacted the court who has advised me that they do not report bankruptcy information to the credit bureaus. I have also sent letters to Transunion, asking them to verify how this inaccurate bankruptcy was verified and through what source and each time my letters has been ignored. This is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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

While  in loan be notification with usbank they put foreclosure on my credit report so I could not get financing from  another institution. The real estate protection act and. The Frank Dodd act are still are strictly against this. They ual tracked me and the county also entered a judgement against me at the same time while the bank never foreclosed the collection agency did.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXXXXXX 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

After a legal name change my credit card was no longer updating on my credit report. I asked Transunion to investigate and they completely removed the account. I reached out to them in XX/XX/XXXX to  alert them that the account should be there, they said if XXXX submitted the information it could be added back. XXXX confirmed they are submitting the information. I followed up in XX/XX/XXXXand Transunion once again claimed that chase had not submitted the information. XXXX Confirmed they were submitting the information to all three credit agencies. Transunion supervisor said he found the information and it should be on the system within 20-30 days. I followed up again in XX/XX/XXXX. After multiple calls to XXXX and Transunion I was ultimately told by trans union they would not allow the account to be added back. 

This is my oldest account and 2/3 of my available credit. My Transunion score is showing 25 points lower than the other two Credit companies because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating has been kept artificially low by experian credit agency. Other credit agencies, XXXX and XXXX, have me listed at XXXX XXXXXXXX XXXX XXXX plus, but experian keeps me artificially low at XXXX XXXX. 
There is no reason for such a low rating, and this low rating is keeping me from purchasing a home. 
I am entitled to compensation for the loss of opportunity and for the extra cost i will undergo because of this artificially low rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I check my XXXX XXXX status 2-3 times a month and am currently in the market to buy a home. I noticed that recently my credit dropped -XXXX points. when i logged into XXXX XXXX to verify the changes, i noticed that a credit adjustment company had re-opened a debt against me that had already been closed out for over 3 months. See breakdown below : XX/XX/XXXX - NCA/National credit adjusters removed debt and closed case. Credit increased +25pts ... .... 

XX/XX/XXXX - NCA re opens the same debt but classified as " new '' debt being reported. This is " Re-Aging '' an account which is illegal. I know this happened due to me attempting to re-finance my auto loan and was told my credit score was significantly lower than what i was aware of ... ... 

I did make a dispute via XXXX XXXX website and XXXX had reverted my scores back to where they should be but right now XXXX is still showing the incorrect score and the dispute made zero impact. I feel like NCA is re-again clients accounts for their own personal benefit and is not right and is illegal. My XXXX XXXX and credit report reflects that NCA did in fact close the account and re opened it as a " new '' debt months later ... ... 

I have tried to explain this to NCA with zero progress as they continue to lie to me claiming that they have been reporting this debt the entire time which is proved they are lying about reporting and re aging and dont care to fix their wrong doings.
Product: Credit reporting or other personal consumer reports

For the second time this summer, I am trying to log into Experian to freeze my account. Just like when I did this in XXXX, it insists that I sign up for their credit report before they allow me to check the status of my credit freeze. I refuse to do this, since I believe that if I do, I can no longer get my credit for free for another year -- although I have no way to verify that since no one is talking to me. 

I just want my credit frozen -- and verification of that, without signing up for a free credit report which will likely be my only one for a year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax information Services LLC has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Equifax ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance.

In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX companies who have violated my rights that Equifax has reported on my credit report. XXXX hard inquiry by XXXX XXXX XXXX XXXX XX/XX/2023 i did not consent nor authorize Equifax or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Equifax and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Debt collection

As of XX/XX/2022, a new collection account LVNV FUNDING LLC ( ID # XXXX ) former owner XXXX XXXX XXXX XXXX started reporting without addressing my dispute. 

It should be noted that XXXX XXXX XXXX XXXX account # XXXX sold this account without satisfying several requests to provide me proof of the balance. In addition, immediately after receiving LVNV FUNDINGS initial letter, ( before the 30 days of the date on their letter ) I contacted LVNV in writing via email and certified letter disputing this debts balance. LVNV and XXXX XXXX XXXX XXXX continues to deny me full detailed proof of this debt which is a blatant violation and a hindrance to my rights to fully address the false debt balance before reporting this new collection account on my credit report. 

Today, I called XXXX XXXX XXXX, XXXX twice. Once at XXXX XXXX XXXX spoke with Representative XXXX XXXX ) and again at XXXXXXXX XXXX  ( Representative XXXX ) each time denied to speak with a supervisor.
Product: Mortgage

Subject : Incorrect Late Payment Mark on Mortgage Account Request for Removal Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an incorrect late payment mark that has been reported on my LOANCARE LLC mortgage account. The details of the account are as follows : Creditor Name : LOANCARE LLC Account Type : Mortgage Account Status : Closed / Paid Off Account Number : 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 only This late payment information is incorrect and should not be reflected on my credit report. I have always made my payments on time, and I dispute the accuracy of this negative reporting. Since this account has been paid off and closed, it is unjustifiable for these late payments to be present on my credit file.
Product: Debt collection

I was working with American Collection Systems , Inc up until XXXX of XXXX which is when I lost my job and had spoke with them to let them know. They then told me to get back in touch with them when I got another job, which I just recently got a new job. Then I guess they contacted the Circuit Court here in XXXX, Wyoming back in XX/XX/XXXX to get a Writ of Garnishment, which was granted them on that day. However, I was not sent this paperwork for a month and a day XX/XX/XXXX after they had gotten the Writ. I didn't receive the paperwork in the mail until XX/XX/XXXX and it wasn't mail certified mail, nor was it served upon me by a sheriff. They took every penny of money I had in my account on XX/XX/XXXX, the day they mailed the writ. I contacted them on the XXXX of XXXX to find out what was going on and was told they did this because I didn't contact them every month after XXXX to let them know I still didn't have a job. Again, though I was told to contact them when I got a job not that I had to call them every month to tell them the same thing. Also, I have another creditor that is already garnishing out of my account at this time. Also, when I spoke to them on the XXXX I was told that my balance was {$30000.00}, but on the Writ it states {$17000.00}. And last year it was supposedly {$19000.00}. So their numbers aren't adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. 

Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 4.XXXX/XXXX/XXXX Acc # XXXX  XX/XX/XXXX,XX/XX/XXXX 5. XXXX XXXX XXXX Acc # XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 7.XXXX XXXX Acc # XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my report because they are in violation. Under 15 U.s. Code 1681b- Permissible Purposes Of consumer reports ( a ) In General subject to subsection ( c ) Any consumer reporting agency may furnish consumer report under the following circumstances and no one never gave any consumer reporting agency any written consent to report anything on my consumer report which it violates my rights as a federal protected consumer. No consent is identity theft!! As a consumer I am demanding the deletion of the accounts listed below be removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THIS HARD INQUIRIES TO MY CREDIT ACCOUNT
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX  Former : XXXX XXXX XXXX Previous Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Collection/Charge Off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX NOT INCLUDED TO THE DISPUTE XXXX XXXX XX/XX/XXXX XXXX - Tied to an open account ( Auto Loan )
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding fraudulent activity on my XXXX XXXX account. Despite my efforts to ensure the security of my account, I have noticed unauthorized transactions that I did not make, approve, or authorize. 

I am requesting a thorough investigation into these transactions, which appear to compromise the integrity of my account. Additionally, I ask for a swift resolution, including the reversal of the unauthorized charges and the implementation of measures to prevent further breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX  delaware XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Experians failure to properly investigate a dispute I submitted regarding an account on my credit report. I requested an investigation, and within minutes, the request was closed without a thorough review, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. The fact that my dispute was closed within minutes indicates no proper investigation was conducted, which constitutes a violation of federal law. 
Failure to Forward My Dispute to the Furnisher ( XXXX U.S.C. XXXX ( a ) ( 2 ) ) Upon receiving my dispute, Experian is legally obligated to notify the data furnisher and provide all relevant information regarding my claim. Given the rapid closure of my dispute, it is evident that no such notification was made, further violating the law. 
Willful Non-Compliance ( XXXX U.S.C. XXXX ) Knowingly failing to conduct a proper investigation and disregarding my dispute request qualifies as willful non-compliance. Under this statute, I am entitled to damages of up to {$1000.00} per violation, in addition to punitive damages and legal costs. 
Negligent Non-Compliance ( XXXX U.S.C. XXXX ) If this failure to investigate was due to negligence, Experian is still liable for damages suffered due to their lack of due diligence in properly handling my dispute.
Product: Credit reporting or other personal consumer reports

The consumer agencies known as XXXX, XXXX, & Equifax are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is information reporting I'm not familiar with, these accounts do not belong to me
Product: Credit reporting

I have a fraud on my credit report or a mixed file XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following creditors have 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 an account without my written instructions. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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