23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX XXXX XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX XXXX XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX 's reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under XXXX XXXX. XXXX ( b ) of the XXXX Credit Billing Act and XXXX XXXX. XXXX ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and Equifax ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : XXXX. A copy of my credit report, highlighting the disputed entries. 
XXXX. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 called XXXXXXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX XXXX described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute wXXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and XXXX XXXX. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccurate information on XXXX. The account has been re-aged or the information is inaccurate of date of delinquency. The account deletion is stated for next month for XXXX on XXXX. Experian has the record being reported until XX/XX/2028. The record is inaccurate therefore this is a FCRA violation therefore immediate removal is requested.
Product: Checking or savings account

Victim of Identity theft Beginning XXXX. Numerous Police reports Filed. In XXXX XXXX Bank account and XXXX  account accessed fraudulently and checks deposited. 

XXXX XXXX XXXX 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 Unauthorized Credit Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Mortgage

My mortgage company Penny Mac raised my mortgage an extra {$1000.00} a month due to incompetence on there part, they stated I had two parcels when I only have one and were charging me twice for property taxes that were part of another parcel and completely different address that I do not own. I have been back and forth with the company for the past several of days and was told numerous reasons why my mortgage was increased one of them being that my property taxes had increased and another reason being that my homeowners policy had also increased. My taxes and homeowners policy have not increased, the third representative that I spoke to today called my XXXX XXXX to clarify payments that had been made and that is when they found the error that they were charging me for someone else 's parcel/property taxes and overpaid basically charging me double the amount of what my property taxes should be.I would like to  make sure that this is rectified and corrected because unfortunately I can not trust this company. I have never missed a mortgage payment and have never made a late payment and I think this is disgusting the way the treat their customers and do not believe anything they tell me, I think that they are pocketing my money and hope they are not doing this to other innocent hard working people like myself. A full investigation should be considered and done regarding this matter and situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for a credit card with Capital One, I am instantly rejected due to an invalid Security Alert. XXXX reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. XXXX said they had removed the fraudulent Alert after my first application for a Credit Card with Capital One, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to Capital One and have my credit restored so that it reflects my correct " perfect '' score of XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!! 

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!! 

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
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, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Requested Discover update my account with the correct payments from the bank statement. Instead, they updated the file as current to further hurt credit. They then charged more interest so the balance was reported as 119 % above and moved the last account activity day to a current day to further hurt credit. Finally they move the charge off date 2 years further in the future to prevent me from ever having credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, XXXX XXXX : # XXXX, # XXXX : XXXX # XXXX XXXX XXXX XXXX : # XXXX, 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, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity and XXXX. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment - - XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> ( soc XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 personal credit card account opened at XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a XXXX of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 Letter to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report
Product: Student loan

I went to Georgia XXXX XXXX and XXXX XXXX Both XXXX   Colleges. Georgia XXXX changed their name to XXXX. Both schools were forced to close because of shady dealings and list accreditation. Noone would except certificates from these schools. They have been in the media and haven't deleted this from my credit report. I had a XXXX in XX/XX/2010. I'm currently XXXX. I've sent in all of my documents from my doctor and still Navient won't stop calling every day and they won't except my XXXX papers from social security or they just won't do it. These loans are affecting me badly. I've done all that was required of me legally and I feel I'm being bullied. They literally call me over 5 times a day. I don't owe them they owe me. Despite all the law suits they still won't do right. Please help me .They wronged so many people and still they refuse to follow the law. Navient is bullying me despite their illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm sending the letter to get inaccurate information deleted that's reporting to XXXX and Transunion. I've tried to have XXXX XXXX  and the credit bureaus to remove the 90 day past due after the account was closed on XX/XX/2017.
Product: Debt collection

I sent a notarized letter to Nationwide Recovery Systems on XX/XX/2022. It was a letter requesting validation of the debt. I called XX/XX/2022 to verify the letter was received, they said it was and insisted that they would send a validation of the debts ( XXXX accounts XXXX and XXXX ). As of XX/XX/2022, there have been no validation of debt correspondence for either accounts. They knew they had 30 days to respond per the letter. They took the accounts off my credit report but I am filing a complaint due to no response from the agency and no call back or email that the debts have been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Bridge Company, LLC is a Loan Servicer. My primary residence loan was financed with XXXX XXXX. They sold it in XX/XX/XXXX to State Bridge Company LLC. This company 's primary goal is to keep clients locked up with them- and because this is how they make money, in charging high fees for basic services. They post payments as they see fit- and often apply them late- even if you mail it with plenty of time. This gives them the option to charge late fees, and report late to the credit bureau. By doing this, they make it impossible to refinance the loan with another company. Because they will show you as late. <P/>I have shown proof of payments to the credit bureau online dispute, but it still comes back as late for XX/XX/XXXX. Please help me correct this issue so that I can refinance my loan with another lender and move away from State Bridge Company, LLC. <P/>You can XXXX them and see the negative reviews from others..
Product: Credit reporting or other personal consumer reports

Hello, Transunion has violated my consumer rights. They have reinserted an account on my credit file without notice or proper vetting of the account. Transunion has placed a collection account on my credit report in the name of XXXX XXXX XXXX, Acct # XXXX and this account reflects a previous account that was removed from my credit report in the name of XXXX XXXX XXXX Acct # XXXX that was previously disputed in the attach letter and removed. They have now reinstated the account under a different name, different open dates etc ..... This violates several FCRA regualtions and other federal laws. They are not vetting information provided to the for accuracy and are effecting consumers by their negligence. A credit can not reinsert a previously deleted account under a different company name with different data and note that the account was previously disputed and now resolved over a year later after removal. This violates 15 USC 1681i in many sections. Please investigate XXXX for their negligence in failing to check and block reinsertions, also not informing the consumers, and not assuring XXXX  % accurate reporting.
Product: Debt collection

On XX/XX/2019 I received a collection notice from Account Resolution Services, stating that I owed a debt that I did not recognize and was informed I had 30 days to dispute the validity of the debt. On XX/XX/2019 I sent a debt validation letter, requesting information on the original creditor, including but not limited to -- name, address, amount owed, and a copy of the original contract. On XX/XX/2019, I received a response that I deemed insufficient. On XX/XX/2019, I sent another debt validation to Account Resolution Services, since I do not owe this debt. The responded XX/XX/2019, and again, the details they provided were inadequate. They have failed to provide sufficient documentation that this debt is mine, namely they have not been able to provide the original contract. I have contacted the three credit bureaus to dispute this debt and would like you also to be aware of their lack of cooperation regarding this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been getting phone calls from nco financial for months now starting in XXXX of 2016 I have answered some their phone calls and called them back telling them that I have resolved the situation with my bank and requested that they stop calling me, I am now making the minimum payments to my bank to pay off the debt, yet they still call me everyday from XXXX to XXXX, I spoke to one representative and they told me that I should " suit up '' i would like to stop getting phone calls multiple times a day, every day
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get {$20000.00} of personal loan from penfed credit union. In fact, it has been approved in application process but I received letter that my credit score showing as XXXX  dated on XX/XX/2021.