23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

You've paid off -33 % of your collection amount. 
Balance {$4500.00} Highest Balance {$3400.00} Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You've paid off 0 % of your collection amount. 
Balance {$2900.00} Highest Balance {$2900.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Account status Open Type -- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX   AKA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You've paid off 0 % of your collection amount. 
Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of a signed lease etc, ( being that I know there is not one ). I am aware that as of XX/XX/XXXX all civil judgements should have been removed from credit reports in which these three have not. I am requesting these three be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX, and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to leave he creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgments. Eviction judgements such as forcible detainer and unlawful detainer judgements, are civil judgements, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Product: Debt collection

I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stollen in XX/XX/XXXX, which had all of my personal belongings in it. My personal belongings consisted of my ID, Social Security card, Debit and credit cards. The person who stole my documents proceeded to a credit fraud. They applied for the following inquiries on my credit report : - XXXX XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XX/XX/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 - XX/XX/XXXX 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 All of these inquiries were not authorized by me and is needed to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unexpected credit inquiry appeared on my credit report from JPMCB card services. It corresponded to an XXXX XXXX XXXX that I did not open. I contacted Chase, and there was a card opened in my name by someone who was not me.
Product: Student loan

Performant Recovery Inc. is managing my defaulted loan from the Florida XXXX for the time that I attended Florida XXXX University in XXXX, Florida. I have paid them on time since 2008 through automatic deductions from XXXX of my bank accounts. My loan however is still listed as in default status today and I my principal amount has not decreased. Performant Recovery 's response is that I never signed the correct forms to allow them to begin a default rehabilitation program for the loan. Yet, I did sign papers for them to automatically deduct money from my bank account. Now I would like to enter into their rehabilitation program to remove the default status from my record, and move the loan back to Florida XXXX so that I will no longer have to pay collection costs and actually have an impact on deducting my principal loan amount. Performant Recovery Inc. however is unable to get this program started for me. In the last 3 months I have sent them official documents of my tax returns, pay stubs, all of my bills, drivers license, and they keep telling me that their " auditors '' need to determine if my documents support moving me into a rehab, or if the " auditors '' will raise my payments because clearly I make more money now. They have yet to send me in writing anything that determine how this audit process is driven or what I need to qualify for allowing the eight years of on time payment that I have sent them to contribute towards reducing my principal loan amount and removing the loan from default status. Every time I have spoken with them since XXXX of this year, they need more information for the audit process, meanwhile they are continuing to deduct {$110.00}. from my bank account through automatic payment monthly. 
Please investigate this process and let me know should I contact a lawyer to get my money back, and my payments credited towards my loan principal and removal of my default statusl
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. 

List of Unauthorized Inquiries : XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX- XXXX XXXX - XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXX/XX/XXXX- XXXX XXXX XXXX - XXXX XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX 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: Debt collection

I purchased an item from XXXX I had to pay {$160.00} as a down payment so that I could go on a layaway plan through their sister company Affirm. However I never received the item in question even though XXXX said they delivered it, so I immediately disputed it with XXXX they reversed my payment back to my debit card and close the account. A f f i r m does not want to close the account as they said they are not responsible for closing the account and they have now put this on my credit and it is affecting me getting a house because they say that the amount owed is {$890.00}. I have explained to them several times on the phone that since I never received the item that I should not be responsible for payment I would have paid my monthly payments if I would have received the item, however since I never received the item I feel I should not have to pay for it because I do not have the item.
Product: Mortgage

On XX/XX/XXXX  we closed on a XXXXXXXX XXXX XXXX XXXXXXXX ( now our primary residence ) with Hometown Lenders listed as our mortgage servicer. We sent electronic payments for XXXX and XXXX in the amount of $ XXXX. On XX/XX/XXXX, I learned that our mortgage was sold to XXXX XXXX  and we were showing overdue for the XXXX and XXXX payments. I contacted XXXX XXXX and explained that we made those payments to Hometown Lender. After unsuccessfully trying to get Hometown Lenders to send the 2 payments to XXXX, I paid the two overdue payments to ensure I was current with my mortgage. Since that time, we've attempted to get Hometown to either send us a check for the 2 payments or send the 2 payments to XXXX XXXX  directly to no avail.I can send emails with Hometown payment confirmations and our request to Hometown Lenders to transfer our 2 payments to XXXX if requested.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and should be removed from my credit bureau : Inquiry details XXXX  Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Complete Dept. Stores XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XXXX  XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX State XXXX XXXX Cred Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Credit Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX  XXXX, XXXXXXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth 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 items 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, AL XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXXXXXX XXXX Bankruptcy XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek your urgent assistance in resolving a persistent issue related to my credit report that I have been experiencing with Experian. 

I previously filed a dispute with Experian regarding certain accounts on my credit report, specifically highlighting the XXXX XXXX XXXX  account. Experian conducted an investigation and provided me with a response letter dated XX/XX/2023, assuring me that a thorough examination had been carried out. 

However, upon my request for re-verification of the accounts, I received another letter from Experian dated XX/XX/2023. In this letter, Experian claims that the disputed account, XXXX XXXX XXXX, is not listed on my credit report. This assertion contradicts their previous letter from XX/XX/2023, where the same disputed account was thoroughly investigated and acknowledged. 

To provide clarity on this matter, Experian attached an extract from my credit report to their letter on XX/XX/2023. This extract highlights the presence of the XXXX XXXX XXXX  account XXXX which seems to appear and disappear mysteriously. Despite the affirmative proof of the account 's existence and verification by the creditor, Experian continues to deny its presence. 

I am reaching out to you as a last resort, armed with evidence of Experian 's inconsistent reporting and violation of credit reporting laws. It is disconcerting that despite my efforts to bring attention to the discrepancies and potential violations, none of my accounts seem to be under proper investigation. 

I kindly request your intervention in addressing this matter and ensuring that Experian conducts a thorough and accurate examination of my credit report. The persistence of this issue is causing significant distress, and I believe your involvement will expedite the resolution process. 

Enclosed with this email, please find copies of the relevant correspondence from Experian, including both the XX/XX/2023, and XX/XX/2023, letters, my recent request to comply, certified receipt of my letter, as well as the credit report extract for your reference. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these credit reporting discrepancies and ensuring that Experian complies with the applicable laws and regulations.
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. 

XXXX XXXX XXXX ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : {$11000.00} 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

XX/XX/24 {$2800.00} I urge your team to conduct a thorough investigation into this matter promptly. I expect that necessary steps will be taken to and strengthen the security measures to prevent such incidents in the future.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX. XXXX, XXXX, XXXX Incorrect Address ( es ) XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 
Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

About a month ago, I inquired about the HARP program, and I was assigned to XXXX XXXX. I was told by XXXX that in order to be approved with the HARP program I have to be working. At that time I inquired about the HARP program, I was in between jobs and was only receiving unemployment benefits. On XXXX XXXX, I went back to work and contacted XXXX XXXX again. He instructed me to send him a copy of my paystub, and so I did on XXXX/XXXX/2015. As of today, I still have not heard from XXXX XXXX. I have been leaving messages at XXXX XXXX XXXX XXXX, but would not return any of my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has a debt buyer account that is loaded with incorrect amounts and dates and I have disputed 3 times and they lie and tell me its verified. This account shows last payment made being XX/XX/2017 then you look in the payment history ( which is correct ) shows last payment being OK was XX/XX/2017 but the payment that was made shows {$0.00} for the amount. It was paid in full and closed. It was never a charge off. 

It shows purchased by another lender. But on the report the lender does not show who owns it. So the transunion employee give me a name and I call that debt buyer and they tell me they do not own that account and i cant get any one to tell me who owns it,. 

So my main question is this ... if the company that transunion gave me as being the new owner does not own the account anymore, who is verifying the account as accurate? This is where the lies are told. no one is verifying this because as of this day the last owner known to Transunion no longer owns it so i caught transunion in a lie. It shows I paid it off in full as a charge off paid in full. NOT SO. it was paid in XX/XX/2017 and it shows in the pmt history. Up at the top in the summery it says XX/XX/2017 last payment made {$0.00} This needs to be removed.
Product: Debt collection

XX/XX/2017 {$850.00} I have filed a compliant against the collection agency on the XXXX website using the following sentences : Complaint Description. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection this debt from XXXX XXXX. I am not responsible for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute regarding XXXX, Experian, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX and CBNA, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize XXXXXXXX XXXX or CBNA to pull my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached on in the month of XX/XX/2023 to have some accounts that were reporting inaccurately on my credit report removed. I am very familiar with the laws in which governs these credit reporting agencies to report facutal data when it comes to my name. 

The list of accounts which they are knowingly reporting inaccurately are the following below : 1. XXXX XXXX = Inaccurate ( HIGH CREDIT, DATE LAST ACTIVE, DATER OF LAST PAYMENT, DATE LAST ACTIVE. 

XXXX. XXXX XXXX Inaccurate ( DATE LAST ACTIVE ) 3. XXXX XXXX XXXX  = Inaccurate ( CREDIT LIMIT, DATE LAST ACTIVE, DATE LAST PAYMENT. 

4. XXXX XXXX = Inaccurate ( BALANCE, PAYMENT STATUS, DATE OF LAST ACTIVITY. 

5.XXXX XXXX = Inaccurate ( PAST DUE, DATE OF LAST ACTIVITY, DATE OPENED 6. XXXX XXXX = Inaccurate ( BALANCE, DATE OF LAST PAYMENT, DATE OPENED, NUMBER OF MONTHS " TERM ''. 

7. XXXXXXXX XXXX = Inaccurate ( MONTHLY PAYMENTS, BALANCE, PAYMENT STATUS. 

8. XXXX XXXX  = Inaccurate ( ACCOUNT INFO ) EQUIFAX AND XXXX REMOVED THE ACCOUNT BUT SOME HOW XXXX IS STILL LISTING ERRONEOUS ACCOUNT )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continue to report these unverifiable bankruptcy listings on my credit report. I have attempted to work with XXXX XXXX directly on several occasions regarding this issue and I continue to get the runaround. XXXX XXXX has listed XXXX bankruptcies on my credit that are unverifiable and this is an illegal practice. The credit reporting agency asserts by way of the credit report, that XXXX XXXX XXXX XXXX is the furnisher of this information. Seeing as how they are listed as the furnisher of information, I contacted the court to gain more information on the negative items. When I contact the courts regarding this issue, they are clear in stating that they do not report any information regarding bankruptcy cases to ANY credit reporting agency. This lead me to contact XXXX to inquire about where this information was coming from. According to the Fair Credit Reporting Act ; A credit reporting agency shall cease reporting any information that can be deemed inaccurate or unverifiable. In this case, these items are clearly unverifiable seeing as how the XXXX XXXX XXXX does NOT report to the credit reporting agencies. So if this is the case, how is XXXX repeatedly verifying this item as correct when the information furnisher themselves is stating that they do not give out any information regarding the said case. At this point XXXX is knowingly reporting unverifiable information and is in violation of the Fair Credit Reporting Act. ( XXXX ) XXXX ( XXXX ) XXXX information with actual knowledge of errors. 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. I am asking that these XXXX negative and inaccurate and most of all unverifiable items be removed from my credit report immediately.