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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.
Product: Credit card or prepaid card

I've had covid XXXX times. I've lost my income. I've been struggling to make my cc payments. I have my cc set on Auto-Pay for the minimum balances in an effort to maintain the credit agreement I entered into with the creditor. 
I checked on my account and saw that my credit limit was decreased. No problem, I continued to pay and even made a {$100.00} payment to bring my balance down a little bit. 

When I checked my account today, I see that I've still been on auto-pay with the amount determined by the cc company BUT my balance never goes down! It's still increasing! they are charging me more interest and never adjusted the monthly payment to impact it! 

I called them today and asked them about it and the agent explained to me " how interest works. '' I told her that I understood how interest works and that wasn't my question. My question was why didn't the minimum payment adjust so that my account would be 'correct ' and my balance go down and not up? She hung up on me. 

I called back and spoke with an agent named " XXXX '' and he also wanted to explain interest to me. I let him and then asked my question again. He told me " you just need to pay the balance off or make a big payment if you don't want more interest ''. Again, I understand how interest works. but I lost my income and am unable to just make a large payment. AND the cc lender is not doing their part correctly. They are making the minimum required payment so low that it never impacts the balance to go lower. This HAS to be illegal!
Product: Credit reporting or other personal consumer reports

Ive been experiencing the effects of unauthorized credit inquiries from your company on my report.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX due to a fraudulent reporting on my credit as a charge off for this unknown account. XXXX XXXX stated over the phone, I spoke with XXXX, stating how there is no accounts connected with my social security number so that means someone is reporting fraudulent information on my behalf. This is disastrous to my well-being and my future plans. I am in school trying to apply for a new apartment and I was denied due to incorrect information reporting through XXXX.
Product: Mortgage

I am opening a new complaint. This lenders response was not accurate and I would like this to be re-investigated. 

We are filing a complaint against the following : 1. Equity Prime Mortgage XXXX  - State License : XXXX - XXXX XXXX 2. XXXX XXXX - State License : XXXX - Email : XXXX - Cell : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Our date of application was XX/XX/XXXX Our Loan Number is XXXX XXXX  Phone Number is ( XXXX ) XXXX Our complaints are as follows : This was textbook PREDATOR LENDING. 

There was no Net Tangible Benefit to our refinance. Our principle and interest increased due to the loan balance being increased and rolled in closing costs. 
Our private mortgage insurance increased {$70.00} because XXXX took us from a XXXX  to an XXXX  loan. 
Our old MI was {$120.00} Vs. our new MI at {$190.00}. 
There was NO net tangible benefit. 
1. ) Our previous principle and interest payment was {$500.00} Vs. our new principle and interest payment of {$510.00} = principle and interest payment increased {$11.00} Previous MI = {$120.00}. New MI = {$190.00}. Causing our MI to increase {$70.00}!! 2. ) 2. ) This refinance did not pass the points and fees test. Their response was incorrect. 
Loan amount was {$300000.00}. Max charge should then have been no more than {$9000.00}. They charged : Points if XXXX = {$8700.00} Admin fee = {$340.00} Processing= {$500.00} Underwriting = {$1100.00} Deed Prep = {$70.00} Credit = {$120.00} Digital closing fee $ {$60.00} Totals = {$11000.00} They charged {$1900.00} over the 3 % threshold not including the cost of the appraisal!!!! 

3. ) Although they are indicating the appraisal was emailed on XX/XX/XXXX. We have no record of receiving it on our end. 

So, I want this lender to be held accountable for taking advantage of clients and making our overall financial situation worse. This is textbook PREDATOR LENDING. We were taken advantage of because of our financial situation. This refi put us in a worse financial position. We needed cash back to pay off and consolidate debt, but ended up coming to closing with cash and getting XXXX cash out! 
This refinance has been reviewed by many licensed mortgage brokers and everyone has replied the same exact way ; they wouldve never have submitted this loan if they truly were looking out for the clients best interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from XXXX. I followed up with a letter on XX/XX/2021. I have received no correspondence from XXXX regarding this request. 

I sent the same request to TransUnion and XXXX  specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. TransUnion and XXXX both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX received on XX/XX/XXXX and TransUnion received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.
Product: Mortgage

My complaint is in regards to the unprofessional conduct that I received from SN Servicing by XXXX XXXX the account manager handling my account. I have spoken to her on several occasions about my account and each time she has been rude, argumentative, evasive, and refuse to provide me with information regarding my account ( encounter dates XX/XX/2020, XXXX and XX/XX/2020 ). Her unprofessional conduct towards me has been a barrier to me getting pertinent information on my loan ( i.e. mortgage payment information, property tax information, overpayment of property tax info., and property tax refund info. and a new escrow analysis ). Each time I have tried to talk to her about my mortgage payment, and property taxes she has refused to allow me to speak. She has rudely over-talked me, interrupted me and have hung the phone up on me or put me on hold while I am speaking without returning to the phone. I also emailed Ms. XXXX regarding my concerns on XX/XX/2020, after I was given her email address by her supervisor, MsXXXX XXXX. When I asked Ms. XXXX today ( XXXX ) why she did not respond to my email sent to her on XXXX, she lied and said she did not receive the email even though she noted on XX/XX/XXXX in my account that she had received the email. I have spoken to her supervisor XXXX XXXX on each occasion that Ms. XXXX was rude and unprofessional to me, and I was assured each time by Ms. XXXX that Ms. XXXX behavior would improve, and that I needed to talk to Ms. XXXX directly because she is the person handling my loan. On today, XXXX I spoke with Ms. XXXX again in an attempt to get an update on my mortgage payments and property tax payments and she refused to allow me to complete my questions, and again she was extremely rude and cut me off by putting me on hold while I was speaking. While she kept me on hold for about 10 minutes I contacted SN Servicing on another line to report her conduct and I was able to speak to the supervisor XXXX XXXX, about the matter. Ms. XXXX response to my complaint was that she was not on the call so she does not know what happened and told me to write a complaint to the legal department. I would like to be able to get professional, appropriate, and timely responses from SN Servicing in regards to my loan. I would like a new escrow analysis, and an accounting of the funds that were paid for property taxes as well as to have SN Servicing request the refund that is due from the District of Columbia resulting from an over-payment of taxes. However, to date I have been barred from getting timely pertinent information about my loan and these actions by SN servicing is threatening to drive my loan into default.
Product: Credit reporting or other personal consumer reports

i contacted Transunion for the removal of old outdated information I am writing to request the removal of certain addresses and work history from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c.

As per the information listed in my credit report, I have identified several addresses and old work history which are either outdated or no longer relevant to my current circumstances. 

Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX  The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 
The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX I believe that the presence of these obsolete addresses and old jobs does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 
I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 
I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits.

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action.

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX

2. XXXX XXXX  .
Product: Debt collection

I recieved a call from XXXX XXXX at work on XX/XX/XXXX about monies owed for XXXX XXXX I needed to pay or i will be sued. I explained I was closing on my home on XX/XX/XXXX I would pay the debt at that time. On XX/XX/XXXX XXXX XXXX called back. I called him back to settle the payment on XXXX. The payment was declined by my bank for fraudulent activity. They tried to withdraw XXXX 8 times that day. My bank canceled the card. I then started recieving threatening calls from various numbers. At this time XXXX started threatening me that a summons was being issued and I was going to be arrested at my home or place of employment and that my drivers license was being suspended. This company goes by Niagara restitution. I called purchasing power they sold the debt to a different company not Niagra Restitution. Everytime I call back regardless the number they called me on, the same person answers no secretary or automated recording. They call me every hour harassing me. This particular debt isn't on my credit report. My husband asked XXXX for a debt verification letter and she is supposed to be sending one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I began taking control of my credit because my family and wanted to obtain a home. Unfortunately, i was denied because of multiple fraudulent accounts on my credit report and after further investigation, this was a result of my information being compromised during a data breach at another credit bureau. I contacted the necessary bureaus, XXXX, XXXX, and TransUnion to notify them that my information was compromised and I sent in the documentation they required from me. 

XXXX and XXXX conducted their required investigation and removed ALL fradulent accounts. But TRANSUNION sent me an auto reply response stating that they could not look into my claim because they needed more evidence, but in fact I sent everything they requested when i spoke to XXXX in the fraud department at TransUnion on XX/XX/2022. 

TransUnion is violating the following FCRA laws by not looking into my dispute. : FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting and pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states these accounts must be removed within 4 business days upon receipt of this letter.

In additoin, from my understanding while researching FCRA laws and Metro 2 compliance guidelines, all bureaus ; XXXX, XXXX, and TransUnion are legally required to report the same information on consumers reports!! 

I believe they sent me an auto reply letter to grant themselves and additional 30 days to look into my claim, which just isnt fair because these fraudulent accounts are affecting my life and my family 's life. It isnt fair that this " bureaus '' decide when and what they place on our reports!! And just like in of Wenger v Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion may be liable for their willful non-compliance.

I will ensure I do whatever it takes to keep these said " bureaus '' accountable, their misreporting and inaccuracies are literally ruining my life and ability to create a better future for my family. I am truly distraught and depressed that I am unable to get a home we desperately need because there is bad people out there just trying to ruin hard working people 's life. I have included all correspondence i have sent them and as well as proof of identity. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear XXXX, XXXX, and TransUnion, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation.

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information.

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim.

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA.

Failure to comply with these obligations may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

Listing XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair credit reporting act account number XXXX XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.