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

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : 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 The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was applying for a loan modification and was told to send in documents before 7 business days prior to foreclosure sale date. Documents were sent before the due date and my forms were not reviewed. I only received a denial letter of the modification XX/XX/2018 stating my application was not able to be qualified because they didn't have a complete package. A case manager told me my documents was received on time but not uploaded to my application. The documents was received with an extra day to spare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my loan when it was not late. The payment for that specific month was to be placed at the end of the loan. This is an eye sore on my car loan as I have had no late payments & my account has been active the entire time in this loan.
Product: Mortgage

To Whom It XXXX Concern, I sent a request for mortgage assistance with Select Portfolio Servicing in regards tXXXX XXXX XXXX XXXX XXXXXXXX, XXXX and was requesting assistance in a payment plan or putting the payments at the end of the term so I could get back on track. I was given a payment plan that was totally unaffordable {$1400.00} a month for a year. I spoke with a young lady at SPS explaining that I couldn't afford that amount and if there was any way it could be broken up in 5 years or more so I could make the payments and my living expenses as well. I only clear $ 2500 monthly but I have to pay car insurance ( {$300.00} ), car payment ( {$690.00} ), utilities ( {$150.00} + {$60.00} ) ; gas to go to work and food. There is just not enough money and I was injured from car accident in XXXX so I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX so I've been trying to find a second job to supplement my income after work where I am at desk job but to no avail. 

I just want them to be reasonable and work a affordable payment plan. I am going to pay the principle payment only as recently became ill with a upper respiratory XXXX in XXXX, XXXX. 

Why can't these mortgage companies be accommodating to their customers. I've applied for the mortgage assistance and they always decline. I'm just trying to pay what I owe but in a affordable payment plan. 

If you can help, it would be greatly appreciated. 

XXXX bless you and thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting or other personal consumer reports

I contacted EQUIFAX 1months ago to delete my hard inquiries, Idid not authorize this please delete This in my credit report. 
On my XXXX report this all delete Please delete immediately I attached all the documents, 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

XXXX XXXX XXXX is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.
Product: Credit card or prepaid card

I received a new alert from XXXX today that i have a new address added to my account, the address is " XXXX XXXX, CA XXXX ''. And I don't recognize this address. Then i login to XXXX account to see my credit card record and found out there was a " Bank of America '' credit card added to my account since XX/XX/2019, which I didn't authorize. Please remove it this record from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report information is incorrect The account has been closed # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I Asked Them To Prove To Me That This Date Of Birth & Addresses Were Correct On This Credit Report. These Addresses Need To Be Remove Because They Are Non-Mailable Addresses & I Never Lived Their. 
I Dont Know Where You All Got These Addresses From But They Are Definitely In Violation Of My Privacy Rights Act Of XX/XX/1974. 

Also These Hard Inquiries Need To Be Removed They Also Are In Violation Stated In 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information which you are inaccurately reporting and must remove right away. Please see below : Need to remove : XXXX XXXX XXXX XXXX, NC XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESS to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Once you have removed the inaccurate information, I would like my full completed, and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to remove these accounts  XXXX , from  XXXX ,  XXXX , and Experian.
Product: Credit reporting or other personal consumer reports

The score they show me is different from the one they reported to the bank. They show me XXXX but when I go into apply they gave then a XXXX which was too low to qualify. This unnecessarily puts a hard inquiry on my report. I went to dispute information but there's nothing on the site they are showing me to dispute. They are also reporting a 48 % debt to income ratio to the banks which is untrue. I'm at less than 10 % credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in three dispute letters to all credit report agencys regarding account XXXX   XXXX  ) account is not mine, please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX {$620.00} XXXX XXXXXXXX {$460.00} XXXX XXXXXXXX XXXX {$760.00} XXXXXXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan was paid off in full. Instead of it reflecting that Carmax only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.
Product: Money transfer, virtual currency, or money service

I paid a contractor {$30000.00} via XXXX for goods and services from my checking account. They refunded me the money on XX/XX/XXXX via XXXX asking me to use another method of payment ( XXXX was charging them XXXX  %, nearly {$1000.00} ). 
On XX/XX/XXXX ( one day after the refund ), I saw the credit in my Truist Bank account as " pending ''. Next day, it was still " pending ''. I called my bank and they said they did not see the amount, that it was still with XXXX. 
I called XXXX the next day. XXXX said, the original {$30000.00} had not been transferred to XXXX by Truist and until that happened, they would not be able to issue a refund. I requested more info from Truist ( XXXX XXXX and XXXX XXXX, my XXXX XXXX  - see contact info below ). They denied that the original payment had not been sent. Said, this is " always what we see with XXXX '' ). Today, 5 days after the refund, I still do not have access to these funds and can not pay the XXXX. 


Names of Truist officials I have been communicating with- XXXX XXXX XXXX Senior Vice President Premier Regional Director / Truist Registered Representative XXXX Truist XXXX XXXX XXXX XXXX Investment Adviser Representative XXXX Truist XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX Mail XXXX XXXX Office/Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banker / Truist Registered Representative XXXX Truist XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Representative XXXX Truist XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX, GA XXXX Mail XXXX XXXX Office/Mobile : XXXX Premier Service Center : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The ssn that was attached to my credit was not my correct ssn. Ive filed a dispute to fix it and my ssn was updated but the things I disputed that were on my credit report were still not resolved. I am making this complaint because they are still on my credit report negatively impacting my credit. Despite me trying to resolve the issue directly with the reporting agency, it still remains unresolved. I request immediate investigation and removal of these items that are negatively impacting my credit, as it is incorrect and does not reflect my try credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago, I reported an account that does not belong to me to Radius Global Solutions, and the FTC identitytheft.gov report for the amount of about {$2100.00} dollars. This account is fraudulent, and Radius Global Solutions has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld Systems Incorporated contacted me about an outstanding bill. My remaining balance on the bill was {$XXXX}. XXXX paid the remainder. I paid the outstanding balance yet a few days later the bill was on my credit report. I asked Transworld to mail me a receipt of the payment and they claimed it would take 30 days to get the receipt. I need the receipt sooner to get this note off of my XXXX report. I called back to complain and they said it would take 7-10 days. I 'm not sure what to believe ...
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. The presence of these erroneous items has had a severe impact on my life, causing considerable distress. I want to emphasize that I never authorized or consented to this information being associated with my identity, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.
Product: Debt collection

I HAVE 2 CITIBANK CREDIT CARDS AND FOR YEARS. DUE TO MY FINANCIAL CICUMSTANCES, MY PAYMNETS STARTED GETTING LATE WHCIH NEVER HAPPENED BEFORE AND DUE TO HIGH DEBT, THEY CLOSED MY CREDIT CARDS AND NOW I HAVE ISSUES DUE TO CORONA VIRUS AND HAVING ISSUES IN MAKING PAYMENTS. CITIBANK INSTEAD OF COMING UP WITH A PAYMENT PALAN, THEY CLOSED MY CREDIT CARDS. I WILL PAY THEM ALL OF THEIR DEBT BUT WANT THEM TO REOPEN SAME CREDIT CARDS.
Product: Mortgage

Dear commissioner below is a carbon copy of the second letter we sent to our lender requesting help. We were told they were foreclosing on our property and we need your help. 

To : Specialize Loan Servicing Re : Loan number XXXX Via : Fax XXXX Date : XX/XX/2020 From : XXXX and XXXX XXXX XXXX Please see the attached hardship mortgage application for a forbearance agreement or for a residential workout program. We previously sent you a letter regarding my wife and I health problems due to sickness and old age. We have always paid our mortgage payment and have never been late for the past 15 plus years. We have recently moved in with family members until we can either sell our house or if unable to sell we are going to have a family member come live with us and occupy our home again. 

On Friday XX/XX/2020 we contacted your office and spoke to XXXX regarding our current situation and asked for solutions because our hardship is due to old age and sickness. XXXX was very clear that your company would not work with us and you were planning to foreclosure on our house. XXXX advised us because we previously did a modification agreement to lower our payment that no options were possible and she discourage me to not apply for the mortgage workout application. 

Because my wife and I have been hospitalized over the past few months we asked you in a written letter to communicate with our son XXXX XXXX and we provided you his phone number and address. However you continued to send all correspondence to our property address in which no one is living there currently and we put the property on the market for sale. 

We are requesting that you do not put our house on the market to foreclose on us it will make it difficult to sell the property. We would also like you to send us a short sale package we lived in a subdivision in which it has been many years since a property sold in our area. When I spoke to XXXX I had my son added to my loan as an authorized person to talk on my wife and I behalf. 

Please mail the financial hardship package to XXXX XXXX XXXX XXXX, VA XXXX or email to XXXX. We authorize you to speak to our son XXXX XXXX to discuss any and all questions at XXXX. 

The realtor that is handling the sale of the property is XXXX XXXX ( XXXX XXXX XXXX ) her phone number is XXXX. 

Cc : The Federal Consumer Complaint Division
Product: Checking or savings account

On XX/XX/2019 I contacted XXXX XXXX XXXX, a division of BOKF Financial,  cause I couldn't access my account. I signed up for an online account that is available for anyone in the US about 2 months ago, though I live in Maryland. I signed up for an account due to the second chance banking opportunity. After speaking to XXXX in the loss prevention department, I was informed that my account was flagged. I was told that it looks like I applied for my account in a different state than where I had it delivered, I actually didn't and if my IP address was an issue at the beginning, I should of been notified or asked to verify myself then. I figured if that's a flag for fraud, I should of never been able to instantly open an account. I was also told my account balance was also a flag because it was {$17.00} in the negative since Tuesday, XX/XX/XXXX only two days. I actually had funds on the way that took longer than expected which is why I was checking my account and why it was in the negative. I offered to verify whatever I needed to and he asked if I can come into a branch in Texas after I told him I don't live there. Im using online banking, why can I not verify myself online? After hanging up and calling back, I speak with XXXX again and he tells me that they're actually closing my account. I attempted to escalate the call, he wouldn't allow me to. I do not know why I was offered to verify myself when the account was being closed anyway. I did nothing wrong, I committed no fraud, I wasn't allowed to verify myself and they have no right to shut my account down. it was completely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these 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 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Nissan motor corporation fraudulently listed my car as a repo on my credit in an effort to distort my credibility with creditors. Ive paid all of my payments on my vehicle loan with Nissan and had sent them the XX/XX/XXXX payment as well. My mom drives this car therefore although its financed by me she insures and drives it. Im an excluded driver driver because I dont normally drive the car and Im not on her policy. However, we decided that Id get the car back as soon as she get herself another ride. My mom gave it back to me and unfortunately I had a wreck that totaled the car. She hadnt gotten the chance to add me to her policy on that date. 
The wrecker service called by the officer who took my statement during the accident apparently called Nissan as I never knew the location of the car. My mom was handling all of that. She ( my mom ) stated the wrecker service told her the car was being picked up by Nissan when she inquired about it in an effort to take care of the salvage and pick up the personalized tag that was on it on XX/XX/XXXX. When I went to trade the totaled vehicle, NMAC had listed it as an involuntary repossession to the bureaus. They never called or contacted me about their intent to take my car or why they thought they were involved. As my car wasnt in any defaults where NMAC were involved. I was paying and consistently maintained insurance on it, in full compliance of my lease agreement with them. When I called and three way spoke with a representative in the repo dept along with my mom to find out why they came and got my car they told me the wrecker service called them and said no one was reachable to take care of the salvage. So they took it. That is wrong and creditors arent allowed the opportunity to seize possession of any vehicle without first giving the consumer the right to take care of the matter. They just got the car and put it on my report in an effort to discredit my credibility. Nissan was being paid and had no loss here they decided to report false information to the bureaus and didnt give me anytime to resolve the matter. I had the accident XX/XX/XXXX they placed this car as an involuntary repo on my credit XX/XX/XXXX which is a blatant attempt to take money from me and discredit me. The FCRA has laws against reporting false information to bureaus and stealing from consumers by businesses and this is what Nissan has done to me. I want them to fix this or Id like for the FCRA to take action against them if they dont. They told me Id have to pay repo fees and reimburse them for salvage and take possession of my vehicle which they took without a cause in the first place in an attempt to steal money from me and discredit my credibility. Im young I know but Im not stupid.