23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once XXXX. Validate Account XXXX Account Number : XXXX This Account is Inaccurate and I'm seeking litigation please delete at once Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at SLS who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX SLS then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. SLS reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of SLS, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX  XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX   acting as a debt collector on behalf of XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute for an account that has inaccurate missed payments being reported. The account was suspended for alleged suspicious activity that has never been proven or verified. During the investigation period new transactions could not have been made on account as it was frozen. Therefore, the notion of late payments is radical. Furthermore, after my most recent dispute on XX/XX/2020, I noticed the late payments still reflected and that the on-time or good standing period on my account was removed. This is unfair as not only the inaccurate information remains, but the accurate information that truly represents my financial responsibility was removed. The constant inaccuracies show a lack of responsible reporting, which is required by several laws. Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) most notably.
Product: Debt collection

Dear sir/madam, as I was going through my credit report on XXXX and XXXX negative report on my credit. The negative report was from PORTFOLIO RC, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that PORTFOLIO RC or any of it affiliates should remove such negative statement from my credit report
Product: Credit reporting or other personal consumer reports

Loans were from XXXX and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX  Principal of XXXX
Product: Credit reporting or other personal consumer reports

My personal information was leaked in the equifax data breach and the XXXX data breach and as a result of that credit cards and loans were opened up in my name without my consent. I am requesting that Equifax remove these accounts under FCRA 605B as these accounts were a result of identity theft. I have attached necessary documentation for proof. Please send me an updated credit report after an investigation has been done. I also want ALL documents and all correspondence of communication BETWEEN the creditor and credit bureau agency.
Product: Debt collection

I received a VERY rude and berating call from the representative at IQ Data INC. They constantly interrupt and cut you off. By far the most insulting experience from a company I have received. This was for an old apartment that I actually paid on time EVERY month and had proof I always paid and gave proper notice as well as completed my lease term. The company that reported to them does not even manage the apartment complex anymore. I tried to explain to the reps at IQ Data INC and they became insultingly rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

made a purchase on XX/XX/20 online in the amount of XXXX was suppose to b delivered was notified by phone they didn't have all the materials to complete the order so i cancelled the order. Then i called lowe 's store in XXXX  ct placed the exact same order they delivered it i ended up buying 2 much of some things so i returned what was leftover. I have only received partial refund from the first order in the amount of XXXX i am disputing XXXX which has been going on for over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received notifications in the past in regards to possible theft and identify breaches. I also was charged overdraft protections on my accounts and I believe that they owe me money in regards. I am no longer a customer but I did suffer through the identify theft breaches and overdrafts during my years of banking with the company.
Product: Credit reporting or other personal consumer reports

UNDER ACT XXXX XXXX XXXX SECTION XXXX SAYS " I HAVE THE RIGHT TO PRIVACY ''. XXXX XXXX XXXX XXXX XXXX STATES " A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER XXXX XXXX XXXX " A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

PLEASE UPDATE THE FOLLOWING ACCOUNT TO PAANL -- - XXXX XXXX # XXXX -- -
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several unauthorized / fraudulent inquiries listed : XXXX XXXX XXXX  XXXX XXXX XX/XX/2023 and XXXX XX/XX/2023. I am hereby notifying you that these inquiries are fraudulent. Neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C.1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and seperately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned unauthorized / fraudulent hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me of their data breach, and now has cost me several hours, my money ( to freeze my credit reports ), and will continue to cost me money and time in the future to monitor my credit. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Consumer Loan

I called ar resouce inc that has my medical loan. After getting diconnected and the agent calling off a different number then i called on. The agent continued the conversation without reverifying who i was or doing the mini miranda again or told the calls being recorded.I asked them the lowest payment i can make. The agent advised me she can do a settlement. I asked her whats the longest i would have to pay off the settlement the agent said a month. I advised i cant do that whats the lowest payment i can make. The agent then told me well i can break the settlement off into 2 monthly payments. Yet that was not the answer i was given when asked how long i have. Again i advs agent i cant do that and again asked whats the lowest payment i can make she advised me $ XXXXs. I asked if i can make a {$5.00} payment she said no. I stated so i cant mail in a {$5.00} payment. Rudely agent said well yes. I then asked so then can i go online and make a {$5.00} payment rudely again she stated well yes. I asked for the information to make a payment online was given info thats not working and asked for it to be mail. Gave the infomation then hung up on me. I then called back asking for a supervisor and was told i can transfer to a voicemail. I asked when is one available and the agent just tranfered me to a voicemail in which i still have not recieved a call back and its been a month. Let alone the fact of being given deceptive information This is the worst practices of an agency that ive ever dealt been forced to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this credit card in full and it still is showing in my credit report because it hasnt been removed in a timely manner. Now this is preventing from obtaining financing for a vehicle I would like to purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.
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 and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

There was an erroneous charge on my TD bank account ( amount charged was {$190.00} and should have been {$1.00} for a rental agency who did n't deliver what was promised ). I went in to TD to dispute the charge and was told once the dispute was resolve in my favor, I would receive all of my OD fees it caused due to the erroneous charge. I told them that until it was solved, I would not place another dollar in the account. It took them 4 months to resolve ( in my favor ) and they have since closed my account and are not awarding me the fees that were promised to me by the members of TD Bank. They have stated that I can not open another account with them. It took them well outside the timeframe to resolve my chargeback dispute and I also did n't receive the correct fees. I was informed by the manager that TD bank had dropped the ball but because my account was now closed, there was nothing that could be done. I am also looking for an attorney and contacting XXXX as well in regards to these shady practices.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediateaction to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit card

Due to identity theft, I chose debt consolidation over bankruptcy. Chase account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Chase has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.