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

I disputed negative accounts with Transunion on XX/XX/year> due to numerous errors that was reported on all XXXX credit bureaus XXXX, XXXX, and Transunion. 

Violation!!!! Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. I have provided documentation of proof between my three credit reports from each bureau and neither match for this erroneous account. Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

The negative items that was disputed are listed below. Transunion did not remove any of the negative items that has numerous errors. I will provide proof in the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Student loan

I was convicted of aiding and abetting armed robbery by the US Southern District of New York on XX/XX/XXXX and was sentenced to three years of home detention which was an incarceration. Under the Student Loan laws while under home detention you are incarcerated. An incarcerated student is not eligible to take out student loans and my school knew this about my status and lied and forged documents to enable me to qualify for the private student loans with Sallie Mae even though I was not eligible. When I filed for bankruptcy in XXXX my loans automatically qualified for discharge under this law. I pointed this out to Sallie Mae and they quickly transferred my loans to Navient. And under the 20 U.S.C. 1091 ( b ) ( 5 ). I was not eligible for the loans and should have been automatically discharged during my Bankruptcy filing in XXXX. Navient refused to follow the law and ruined my credit for many years took payments from me that were made under a fraudulent lending agreement that put me in poverty for over 15 years and still haunts me to this day. I should be included in the XXXX settlement and all my loans should be canceled and my payments returned as I did not qualify for the loan in the first place and was automatically eligible for bankruptcy discharge. My mother co-signed the loans XXXX Cousins who also should have qualified for bankruptcy discharge in XXXX and was denied as my co-signer and her credit suffers and continues to suffer today because of the loans that originated illegally.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempt to address the presence of fraudulent items on my credit report. 

Despite my initial request, the fraudulent items remain unresolved, posing a significant threat to my financial credibility and well-being. It is imperative to remove these unauthorized entries promptly to ensure the accuracy and integrity of my credit report. 

I kindly urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

SLS ( Specialized Loan Servicing ) is a fraudulent mortgage company that is trying to foreclose on my home. I have sent documents ( per the company 's request ) on 3 separate occasions. Each time I send the requested information ( RMA, check stubs, XXXX, hardship letter, homeowners declaration page, XXXX then call for a status of my application I get a customer service representative that reviews my documents and ALLEGEDLY finds something else wrong. I highly disappointed and deeply saddened by the practices of this company. I have repeatedly sent paperwork that is not accepted by this company, although it is everything they have asked me to send. PLEASE HELP! 
This company is playing a maze game without an out! 
My property address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX LOAN NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of XXXX items I discovered on my Creditreport is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX BANK Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX  TEXAS XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {XXXX XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance XXXX XXXX XXXX  SERVICES XXXX  Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX  XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXX  BANKXXXX XXXX  Opened XXXX. XXXX, XXXX Balance XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance XXXX XXXXXXXX XXXX : XXXX Reference Number XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX FIRST XXXX BANK Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX  and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from XXXX XXXX XXXX XXXX, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the XXXX  XXXX XXXX XXXX borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from XXXX XXXX XXXX XXXX . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan. 
whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from XXXX XXXX XXXX XXXX  because iam on the Deed ... and was the only option we have to sabe our home. 

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.
Product: Credit card or prepaid card

I had a credit card in my apartment which I misplaced so Capital One voided the card and now refuses to issue me another one. I can not make payments on the card of what I owe because they say my card was voided. The place where I received the statements from Capital one at XXXX XXXX XXXX is permanently closed and the company refuses to send me statements to my present address. I have been calling up for two weeks with my new address but the card nor the statements never come. I sent in ID pictures on XXXX as they refused to let me post them on Capital One website. 

They say it is dangerous to write on XXXX but Capital One stinks and does not even give me an email address to write.
Product: Money transfer, virtual currency, or money service

Cash app doesn't have a live person available to deal with any issues with my account like they're legally supposed to
Product: Mortgage

I fell late on some payments with Wells Fargo mortgage back when I got hurt at work. I was told I would be put in a program to make my account current and not show negative on my credit reports
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Item Due to COVID-19 Hardship Dear [ Credit Bureau Name ] Dispute Department , I am writing to request the removal of a negative item from my credit report due to financial hardship caused by the COVID-19 pandemic. The unprecedented circumstances of the pandemic have significantly impacted my financial situation, and I am seeking your understanding and assistance in rectifying this issue. The COVID-19 pandemic has been a challenging time for many, and I appreciate your consideration in this matter. The removal of this negative item will greatly aid in my financial recovery and allow me to continue rebuilding my credit. 
Thank you for your understanding and prompt attention to this request
Product: Checking or savings account

I opened a Webster bank account with a promotional code XXXX {$350.00}. Based on a discussion with a banker on XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, CT XXXX location I was told that if I meet the requirement of having a direct deposit of {$500.00} or more by XXXX/XXXX/2017, I will get the {$350.00}. However, when I contacted Webster bank online to inquire about the status of the bonus I was told I am not eligible because I did not meet the minimum opening deposit of {$500.00}. This requirement was not relayed to me by the banker during my XXXX XXXX meeting, nor it is explicitly stated in the terms of the promotion. If this type of account does require this amount of opening deposit as Webster representative claims, I should not have been allowed to open it in the first place with a lesser amount. I did fulfill all the other terms of the promotion, i.e. over {$500.00} in payroll direct deposit.
Product: Debt collection

XXXX XXXX brought XXXX XXXX XXXX XXXX account that was in collections now its saying I owe them money I asked for Verification of this account from being on the owner of this account before even being bought I also asked for them to send me some type of verification that my Signature is on this account and the old account because I never signed up for no account at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting late to XXXX ; XXXX  and Transunion on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Product: Credit card or prepaid card

This guy offered to pay my credit card debt of {$790.00}, he gave me his saving account info and routing number to pay. I paid it off. Then he asked me to go to XXXX XXXX for him the next day after telling me I was allowed to pay the card off, so it wasn't part of the any exchange I was sick so I told him no. He threaten to reverses the payment, I told him that was fine since I was sick and did not want to be control by money ( I was not his slave ) he then threaten to make my credit score to go to XXXX, he told his bank I committed fraud. I have text messages to prove all of this that I asked him permission on amount and everything.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. JPMCB - CARD SERVICE XXXX was reflected as late payments 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 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported to Wells Fargo, XXXX and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. Wells Fargo checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and XXXX at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling Wells Fargo about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX  showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.
Product: Credit reporting or other personal consumer reports

I have requested from : XXXX, XXXX XXXX TransUnion to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, unknown account. 
XXXX, XXXX XXXXXXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX  XXXX ending in XXXX, unknown account.
Product: Debt collection

I received a letter on XX/XX/XXXX from a debt collector dated XX/XX/XXXX for medical credit I did not sign up for. I requested validation when I was looking over my recent credit report. The letter also contains the statement they are resuming credit reporting. 
The original creditor XXXX XXXX XXXX never informed me prior to forwarding/selling the alleged debt to OMEGA RMS , LLC XXXX XXXX XXXX XXXX, MO XXXX XXXX debt collections agency. There was a charged interest amount totaling {$640.00} on top of the alleged debt of {$800.00} while the debt collection agency was in possession of said alleged debt. OMEGA RMS has not contacted me until I requested validation of the said alleged debt. Upon receipt of this letter it shows a debt origination date with the original creditor of XX/XX/XXXX with the first payment being auto-drafted from my checking account on XX/XX/XXXX. The signature the document bears is not my signature. I do not know how the original creditor obtained my checking account information and can charge me for credit I did not sign up for. I also looked up my states statute of limitations on medical debt ( 6 years ) and credit debt ( 3 years ) with that being said this alleged debt is not mine as well as beyond Delaware statute of limitations as it is over 7 years old. This alleged debt or publication of alleged late payments was not listed on my credit report the year I purchased my home 3 years after the origination of the application not bearing my signature but signed by someone else.
Product: Money transfer, virtual currency, or money service

We have missionaries in XXXX, XXXX, and XXXX that we have supported for years. We used to send funds via MoneyGram but starting last year they have blocked all attempts and we were forced to use XXXX XXXX, where we had no problem sending, just costs more. I have spoken to several agents at Money Gram including a supervisor who says there is no reason for my transfers to be blocked saying it is a local problem. I have gone to a number of MG agencies and all locations say money gram is rejecting the transfer. The supervisor agent said they can not tell me what their record shows as they might give false information. It is unthinkable I can be blocked from making legitimate transfers without a reason. Please investigate why MG is doing this to us and we want to disclosure for it. We are legitimate and highly credentials and people of honor, we do not deserve this type of inept treatment. This creates a hardship for our people in their country to not receive funds via MG instead of XXXX  or bank transfer. Plus it costs more. They were given good service for several years and then last year stopped allowing us to send funds to our people in our locations global. 


XXXX2018 is the latest time this rejection was given.
Product: Debt collection

I XXXXX CHECKED MY CREDIT REPORT WITH THE XXXX MAJOR CREDIT BUREAUS AND NOTICED A COLLECTION FROM MIDLAND CREDIT MANAGEMENXXXX. UNDER 15 U.S. 1692G ( A ) ( 3 ) A DEBT COLLECTOR MUST GIVE A CONSUMER A INITIAL COMMUNICATION TO VERIFY A DEBT. I WAS NEVER GIVEN THE OPPORTUNITY NOR DID I RECEIVE ANY COMMUNICATION FROM MIDLAND CREDIT MANAGEMENT IN REGARDS TO THIS DEBT. MIDLAND CREDIT INDEED ASSUMED THIS DEBT WAS MINE WITHOUT THE OPPORTUNITY FOR ME TO VALIDATE THIS DEBT. LASTLY, I SENT MIDLAND CREDIT A LETTER OF VALIDATION ON XX/XX/2021. UNDER 15 U.S 1692G ( B ) A CONSUMER HAS THE RIGHT TO REQUEST THE NAME, ADDRESS, OF THE ORIGINAL CREDITOR OR THIS DEBT COLLECTOR, SHALL CEASE COLLECTION OF THE DEBT OR ANY DISPUTED PORTION. MIDLAND CREDIT IS IN VIOLATION OF TWO OF MY CONSUMER RIGHTS AND I INTENDED TO PURSUE LEGAL ACTION. 
ENCLOSED ATTACHMENTS : DEBT VALIDATION LETTER SENT PRIORITY MAIL : XX/XX/2021 DEBT VALIDATION RECEIVED BY PRIORITY MAIL AND SIGNED BY MIDLAND CREDIT MANAGEMENT : XX/XX/2021
Product: Credit reporting or other personal consumer reports

someone used my informaton foa a place called the woods apartment XXXX XXXX XXXX XXXX XXXX XXXX this went to my credit as XXXX XXXX collections form kimball ' tirey & st John LLP i have never lived there