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

Transunion dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are XXXX. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except TransUnion. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to XXXX and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts via certified mail and notarized documentation requesting the XXXX, XXXX, and Experian to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Product: Credit card or prepaid card

I have XXXX ATM withdrawal from my card that I subsequently reported stolen to cash app support..for XXXX XXXX and XXXX respectively ... I am being denied because they say it is routine of some sort I did not make this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports Experian : 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: Debt collection

After reviewing my credit report, I discovered several accounts that I believe were added without my approval. I request these accounts be immediately blocked and removed.
Product: Mortgage

Loan # XXXX XX/XX/XXXX, Well Fargo gave XXXX loan under my information. XX/XX/XXXX I did not have a job or file Tax Returns. Yet with False documents Montgages were taken out in my name. One of the property was foreclosed already and the other one is coming up for foreclosure on XX/XX/XXXX. I have never been to california nor have I ever lived in california I have made several attemps to resolve this issue but can not get it resolve. I have never sign any documents nor visited any title company. I will like for this matter to be resolve. 
My Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently monitor my credit reports and scores across several different websites. I use XXXX, XXXX, XXXX, XXXX, and XXXX. On XXXX XXXX I received notification from several of the sites that my Equifax score had gone down over 100 points. Upon logging in to the sites I saw that Equifax had removed EVERYTHING from my credit file but 2 charge offs from XXXX. I immediately contacted them by phone. The representative could not explain what happened but directed me to fax a letter stating that my credit file was missing and to include copies of my social security card and driver 's license. She gave me confirmation # XXXX for the call. I faxed the letter that same day. The next day my credit file from Equifax was reinstated. Two weeks later the very same issue happened again. Again, my credit file was gone except 2 charge offs from XXXX. ALL of my positive accounts were gone. This tanked my score to XXXX again. I faxed them a letter about the issue again on XXXX XXXX, XXXX to have the issue corrected. This time it took a week for everything to be restored. Now the issue has happened again! Again my Equifax credit file is missing all of my positive accounts. I noticed that as the companies re-reported, each one is added but it is not fair to me to have to keep going through this. Equifax has a responsibility to report 100 % accurately and timely. They are not doing that. They are severely hindering my chances of being approved by a lender because my credit file is not reporting all of my positive accounts. With this complaint I am uploading proof of my contact with Equifax about this issue, proof of how this has severely damaged my credit at no fault of my own, and proof of my positive accounts that they other bureaus are reporting correctly.
Product: Credit card or prepaid card

so amex gave me an offer to upgrade to there better hitlon amex card to get more miles and upgrade my Hilton status I called customer service to see if they could possibly waive my annual for the 1st year to try it out and do the upgrade and they refused it I already paid XXXX on the current card I have and was willing to forgo if they upgrade to the new card and the waiver annual fee at least for the 1st year. I have wrote several emails to the corporate offices to see if this is a possibility and I have nothing back for 2 weeks I can't get a hold of anyone so thought I would escalate this here I have enclosed a copy of the offer. I figure going this way is the best way to get someone to respond since the coperperate refuses to answer my emails
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/2017 I opened an account with XXXX. A few months in the contract i lost my job and wasn't able to continue paying for the service, I call XXXX and notified them that I was moving and that i needed to return the equipment. I cancelled the service and return the equipment and they didn't mention anything about any payments. The account was supposed to be closed. I got a derogatory remark on XXXX   credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Product: Credit reporting

Transunion allows XXXX XXXX XXXX to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016
Product: Student loan

My loan was with XXXX XXXX. XXXX XXXX sold the student loan to first mark services. XXXX XXXX didn't give me a chance to buy the loan, they just informed me they sold it to someone else and that's where payments will need to go. So firstmark services has been compliant providing me with documents claiming my total due is correct. I suspect they lied because with XXXX XXXX my loan was under XXXX. But it's XXXX XXXX or higher now. I get emails from first mark services daily claiming they have options to help me, that all I have to do is reach out. When I reach out I get told all options are exhausted. I said why email me then.? They said it's a generic email. XX/XX/22i was hit in auto accident leaving me in constant pain and out of work. First mark is aware, they said if you get long term disability let us know .... But they won't give me extra time to pay they have no other options even tho each email claims they have options that can help. It's sad. Frankly I don't think it's right, I didn't cause the accident, I have done all I can to get better. I'm not married... It's been hard to make ends meet. I'm so surprised that there are such few options and what is worse is the fact that I never choose these people as my loan vendors... they just landed in my email one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balance : {$680.00}
Product: Mortgage

I have been paying the mortgage since my mother died, on our house. and left the mortgage in my fathers name, out of respect to him, for at least XXXX years ... in XXXX I refinanced to help with my dads medical bills with XXXX ... the state raised our prop tax and my mortgage and escrow was " estimated '' at an insanely high rate and it put me in default ... to save my XXXX father from being thrown out of his home in his XX/XX/XXXX. he filed bankruptcy ... it was discharged in XXXX XXXX after he died ... .He had a living trust ... naming me as the executor of the estate, his power of attorney, and I am on the deed to the property. 
I was then in the process of finalizing the application papers for a PIR/modification when XXXX sold me or dueltracked me in XXXX XXXX to a company called SLS ... .who told me that they were a mortgage company that now owned my mortgage ( that was a lie ) ... and I was then forced to start all over again ... meanwhile they were adding fees, fines and lawyers fees onto my mortgage to the tune of and additional {$20000.00} and counting!!! 
I worked with all the Fed agencies with SLS but SLS kept asking for more docs ... Finally I hired a real estate attorney and together we have given SLS all the docs they would have received from XXXX but wanted more and more. In XXXX XXXX, I asked them for the name of their law firm when they informed me I was 'flagged for sheriffs sale, '' even though we were going thru the modification process ... .I then called their attorney ... XXXX., and spoke directly to their lawyer who verbally and with a letter, assured me my house would not go to sheriffs sale, while we were in the modification process ... they lied again ... In XXXX I got a notice in my mailbox from the XXXX Co sheriff , that my home was slated for auction on XXXX XXXX XXXX!! 
SLS has continually lied to me about who they are, and have done everything to block me from the modification process.. 
They along with XXXX have duel tracked my mortgage and also are in direct violation of XXXXPlease help me ... no American should have to b subjected to these blatant stalling tactics and violations. 
I am trusting that you will find them in violation with an appropriate lawsuit action and demand that SLS comply with the Federal guidelines that allow me a modification/pir that I am more than eligible for and meet the qualifications that they are blocking me from and piling on more fees, fines and lawyers fees. 
Thank youXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to XXXX XXXX regarding two inquiries on Transunion under their named. They reply that the inquiry will be removed as a hard inquiry to a soft inquiry. And the request was submitted to the credit agencies on XX/XX/2020, and per the letter sent on XX/XX/2020 ; it could take up to 60 days for processing. On XX/XX/2020, I sent the letter to Transunion requesting to remove those inquiries ASAP. However, they didn't reply back. Kindly see letter of XXXX XXXX attached.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX charge-off Balance {$3000.00} XXXX XXXX  XXXX XXXX charge-off Balance {$5900.00} XXXX XXXX  XXXX XXXX charge-off Balance {$6000.00} XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got locked out of my cash app for some reason I dont know y I got XXXX on there in I cant get 2 it I tried calling but couldnt get in touch with nobody from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

m disturbed that TranUnion and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/2018 and reapplied/put back on to my credit file today XX/XX/2018. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
Product: Debt collection

Last month I contacted Lockhart, Morris & Montgomery. I was confused about an account on my credit report and needed more information. I spoke with a representative who claimed she was in charge of this account. I asked her if she could give me details of the ho the creditor is and the dates. She told me she could not give me that information. She said that it was against XXXX and all she could tell me that it was XXXX XXXXXXXX. That statement was a red flag, If this was my I formation used why can I not know the information about the account. I went in to tell her that I never been to that hospital and there is no way I went to that hospital during the year of XXXX. I mentioned that I lived in another state and this account could not be mine. She told me there is nothing they can do for me. She became rude and upset me when I continued to tell her. If I went to that hospital I would have signed up for assistance but I didnt even live in the area mentioned during that time. 

Now I am stuck with this in my credit and no way to resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccurate information that they will not provide documentation for validating this account. I requested copies of signed contract, payment history copies and date of last activity which is not on the credit reports. They sent only a letter in response to my 3rd request in XX/XX/2020 but no information requested. I have sent multiple request. They are reporting and updating this account each month but different information for each agency and different addresses. I have mailed letters that have been returned because of the address they are reporting on my credit profiles are different so I haves mailed to each address they are reporting and my request finally was acknowledge but without the information requested. The credit agencies continue to report this information based off XXXX response and I have called them a couple times and sent copies of the letter I received from XXXX. Please help me get what I need to validate this account. Its wrong for them to report information they will not send information that I requested. I have requested that the account be removed because they will not provide validation documentation but my request have been ignored. Thank you.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Vehicle loan or lease

I am a XXXX XXXX who was seriously impacted by COVID 19. I was denied PPP loan because my credit has been impacted due to recent delinquency because I did have any income. Im not eligible for unemployment either. 
Other credit card companies worked with me except Honda Financial Services. I have never been late for the past three years on this loan, save for this pandemic period. 
Honda financial came to my office to repossess my car without any prior notice no letter, email nor phone call. 
I am so confused now and have no means of transportation. Please help ...
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.