23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TransUnion : [ XXXX XXXX XXXX ] [ XXXX ] TransUnion : [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] TransUnion : [ XXXX  XXXX ] [ XXXX ] TransUnion : [ XXXX  XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation I am writing to you because this credit agency, I sent you a letter about the errors they had on my account and they have not deleted it since in one of them they are putting Charger off every month and that is illegal to do and in the others I have a late payment reported where I have never had a late payment. So please I want you to help me delete these accounts that are affecting my credit since I can not buy my house due to this problem. They responded to me with this letter and here I tell you the File number : XXXX
Product: Credit reporting or other personal consumer reports

My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a fi le with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXX XXXX after his XXXX  and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a XXXX said i needed to file an identity theft report which i did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Debt collection

I paid y HELOC on XX/XX/XXXX, and get at least 5 phone calls a week from the company regarding the account saying I owe for the month of XXXX. I called and told them the date my account was debited, never had issues before, they responded by telling me I need to contact my bank, ( but my account shows the bank did nothing wrong ) and find out where the payment is. They asked me to send them a bank statement but my bank statement is none of their business as it contains much more than one transaction to their company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute several hard inquiries listed on my credit report. After reviewing my credit report, I have identified the following inquiries that are inaccurate : 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  Equifax Mortgage Ser : 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 These inquiries were not authorized by me, and I have no recollection of applying for credit or services with the aforementioned creditors/companies on the specified dates. As a result, I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. 
I have available to substantiate my claim. This includes any records of communication with the creditors/companies listed above, confirming that I did not authorize the inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and kindly request that you conduct a thorough investigation into these disputed inquiries. 
Please provide me with written notification of the results of your investigation and any actions taken to resolve this matter. Additionally, I request that you update my credit report accordingly and send me a revised copy once the disputed inquiries have been removed. 
Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Mortgage

As the home market has increased significantly, I have been trying to talk to them about removing our PMI. They have continually claimed they " can not find '' or are " missing '' my original loan documents. They claim to have ordered them, but that was back in XXXX, and as of yesterday, were still claiming this, although they don't seem to have lost any of the actual loan paperwork. I have proof that we are well below the 80 % loan to value, and a representative yesterday confirmed that our loan is currently at 79.57 %, based on old appraisal numbers that are nowhere near the current value. But this company REFUSES to remove PMI. They are stating that they will not remove it until I pay them for a full appraisal, which is absolutely unacceptable. We have proof of no longer needing to pay PMI, and they are in violation of the Homeowners XXXX XXXX of 1998 by refusing to cancel the PMI. Since they verified I am below 80 %, and my loan was based on the appraisal ( albeit it low now ) that they have on file, there is NO REASON for them to force me to submit to a fully-paid appraisal. I have made repeated requests, and am only given lies and now an attempt to extort me for the cost of an appraisal. I want my PMI canceled and I believe the premiums I have paid for the past two months while they have lied to me about missing paperwork should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Date open XX/XX/XXXX, Charge-off XXXX, XXXX XXXX XXXX XXXX XXXX has committed Securities Fraud and identity fraud. They have taking Securities out in my name without my consent.They have used my name without my consent, which is identity theft. My XXXX XXXX XXXX has repaid all debts..
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of certain inquiries on my credit report that have resulted from unauthorized access to my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to protection from fraudulent activity, and I ask that the following inquiries be removed to prevent further misuse. 
Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my Trans Union credit report dated XX/XX/24 when I received it in the mail on XX/XX/24 and it showed that XXXX XXXX accessed my credit report on XX/XX/24 without having a business relationship with them, without my knowledge or consent, without a permissible credit transaction, without a permissible account. XXXX XXXX is an unknown company to me. I called XXXX XXXX on XX/XX/24 and had difficulty getting through to anyone and it does not seem like a legitimate company and TransUnion authorized access to my credit report without a permissible purpose and without verifying XXXX XXXX 's identity and if they had a permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Im trying to dispute these inquiries off my credit report Ive already contacted the collection agency about the disputes a few months ago and they sent me a letter back saying they cant do it however I need to have them removed because of this law : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the XXXX XXXX XXXX saying that my loan was being President Biden paused student Loan Payments until XXXX or until a decision is made by the Supreme Court. I work for a nonprofit. My loan servicer XXXX XXXX XXXX ( XXXX ) ignored the approved pause by the president and reported my student loan as severely delinquent to all three credit bureaus. I immediately sent XXXX a copy of the letter I received from the Department of Education and they just ignored it as they did the President 's pause. 
As a result, my credit score has dropped XXXX points, and my banks and other financial accounts have increased the cost of doing business and interest on my account. 
Even though it is a hardship, I paid two additional payments to the account. To try to avoid this financial train wreck ' until I can find an attorney to address the detrimental effect on my financial reputation Their blatant disregard has had detrimental to my livelihood. 
Please help me with direction on this.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue involving Kohls/Capital Ones reckless and unlawful reporting of a fraudulent account on my credit report. This ongoing matter has caused significant harm to my financial standing, personal life, and reputation. 

Key Facts : Fraudulent Reporting : On or around XX/XX/XXXX, I discovered an unauthorized account listed as charged off for {$1100.00} by " KOHLS/CAPONE '' on my XXXX credit report. I immediately disputed the account with XXXX and provided all necessary documentation, including an FTC identity theft report and a sworn affidavit under penalty of perjury. Despite this, Kohls failed to adequately investigate and continued to report the fraudulent account. 

Violation of FCRA ( 15 U.S.C. 1681 ) : Kohls actions violate the Fair Credit Reporting Act, specifically the duty to ensure maximum possible accuracy ( 1681e ( b ) ) and the obligation to investigate disputes within the mandated timeline ( 1681i ). Kohls failure to provide requested documentation, such as the original account application, demonstrates non-compliance with federal standards. 

Improper IRS Reporting : On XX/XX/XXXX, I received a 1099-C form indicating a canceled debt for the fraudulent account. By falsely reporting this debt as income, Kohls has subjected me to potential tax liability in direct violation of IRS guidelines and consumer privacy protections under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

Prior FTC Sanction : Despite previous FTC actions against Kohls for similar practices, they continue to engage in reckless behavior, failing to implement sufficient safeguards to protect consumers.

Harm Experienced : Severe damage to my credit score and financial reputation. 
Denial of credit and loss of business opportunities. 
Emotional and financial distress due to Kohls failure to address this matter responsibly. 
Resolution Demanded : Immediate removal of the fraudulent account from my credit reports across all reporting agencies. Immediate retraction of the 1099-C form filed with the IRS and
submission of a corrected filing.

Compensation for damages incurred, including financial losses and emotional distress. 
Written acknowledgment of misconduct and detailed corrective measures to prevent future harm to consumers. 
Kohls continued negligence and lack of accountability undermine consumer trust and reflect a systemic disregard for legal and ethical obligations. I request prompt resolution to this matter to avoid further escalation.
Product: Credit card or prepaid card

I had applied for a chase buisness credit card and they had denied me because of my personal credit report and my personal credit score violating U.S. code 1681. And they should have not looked into my personal credit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that show wrong balances and show wrong Amounts Payment statuses are wrong and need to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted account disputes by mail concerning accounts that I did not recognize. Along with my disputes I also sent a CLEAR picture of my CURRENT state issued Driver 's License & a CLEAR picture of my XXXX XXXX XXXX XXXX with my CURRENT address ( that matches my ID ). With the understanding that the credit agency ( Experian ) had 30 days to investigate these disputed accounts, I received mail XX/XX/2019 from Experian stating that : They were unable to honor my request because I did not provide sufficient or legible information for them to verify my identity. I have copies and can provide upon request, all documents I mailed with my dispute, including the CLEAR pictures of BOTH my state issued ID & Utility Bill. I take this as nothing more than an attempt on Experian 's behalf to prolong the investigation of these accounts, in favor of the creditors who are clients/customers of Experian to give them more investigation time beyond 30 days.

The letter I received from Experian also ask that I send in copies of my Scoial Security card which BY LAW I am not obligated to do. All that is needed by law to process my disputes are a copy of valid state issued ID & proof of address such as a utility bill. All these requirements were clearly met and provided with my dispute.

Can you please investigate why Experian has not provided results from my disputes when I clearly provided required documentation to have my disputes processed. It is XX/XX/2019 and my 30 day investigation period is up. Thank you very much for your attention in this matter.
Product: Student loan

I can not get a hold of XXXX. I have graduate student loans serviced by this company and called them since XXXX today. They had stated that the wait time would be about XXXX minutes. It is now currently XXXX and I am still listening to the elevator music. I have been dealing with this issue for almost a month now. Wait times are absurdly inaccurate and they hardly ever call back. 
I am attempting to consolidate my loans with my XXXX loans ( serviced by a company way better equipped than XXXX ) and need confirmation by XXXX before XX/XX/XXXX. I had been seeking advice and consulting with XXXX, XXXX, and my other XXXX loan servicer since mid XXXX. XXXX never notified me that they were unprepared for a consolidation of my loans. It appears to be a simple matter but I simply can not get in touch with XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act, Experian, has violated my rights. 15 U.S.C. 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I requested old addresses to be removed off my report since they are nonmailable. They did not comply. My transaction history has been shared and I do not consent per 15 USC6802. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 US Department of EDU # XXXX US Department of EDU # XXXX DPT EDXXXX # XXXX EDFIN/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
Product: Credit card

This is to PUT IT ON RECORD that I ACCEPT NAVY FEDERAL CREDIT UNIONS offer. Please pay out all my interest aka credits to me on this account. 
Pursuant 39 USC 3001 ( d ) ( A ) under NON-MAILABLE MATTERS. 

A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. 


Account number ending in XXXX Also please reframe from treating my open ended credit plan as late and charging LATE PAYMENT FEES TO MY ACCOUNT. Return all my tender XXXX XXXX Illegally Solicited through the mails and through threatening phone calls. As well as removing all deficiencies from my credit report via late payments and utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through Comenity Bank for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. Comenity bank has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I opened a New lease with Nissan Motor acceptance Corporation for a XXXX Nissan XXXX for a 36 month lease. In XXXX XXXX XXXX traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to NMAC. I received an end of lease liability statement from NMAC for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from NMAC for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called NMAC in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted NMAC in XXXX & XXXX. I asked them to remove the XXXX XXXX XXXX  late payments from my Credit Report and any Negative terminology. The letters from NMAC indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Product: Credit card

On XX/XX/XXXX I went by my old apprtment I see my old mail box was open, and all the mailboxes were gone through. My mailbox there never had a working lock, so I wasnt surprised. A few days later I open all of the mail I found the statement for the capital one card. I was confused, I havent owned a credit card recently nor did I open one. I figured someone took one of the offer letters they sent to my old XXXX  . I called capital one and explained to them that the account was opened fraudulently. They reviewed the account, I was shocked to be told most information did not match mine such as birthday, address, SS number. To verify my identity they asked for the same info that was missing/ incorrect on the account. XX/XX/XXXX l got a letter stating I am responsible for the account & charges because it appears the charges or account would have helped me & the information on the account matched mine. This felt confusing as they would not have any correct information if I did not verbally verify my identity when reporting the account. While speaking to XXXX from the fraud department, I was informed that if the account was closed it would no longer incur charges/fees, even with the account closed it has still received charges and fees. Since then I have received multiple confusing statements about the account and how to proceed with getting help. Now i am looking for a straightforward answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to DISCOVER BANK XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.