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

TransUnion dropped my FICO score over 55 points for NO reason No late payment no increase in credit All other bureaus went up! 
Can log into my tu account Cant get a customer service to answer
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Midland Credit Management on XX/XX/XXXX sent me a bill and asking me to pay {$670.00}. I was surprised, I call them and told this is not me, after some question they told the last 4 digit of my social security is much to the crime. I have not a credit card with XXXXXXXX XXXX XXXX I have find out I'm a victim of identity theft. I am a resident of this address since XX/XX/XXXX, but there is a different address in my name on the bill.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to the bank branch and made an international wire transfer to the company called XXXX, in XXXX in the amount of {$47000.00}. 
The seller did not receive the money, so I went back to the branch on XX/XX/XXXX and I requested an amendment to the wire transfer to include the recipient 's bank account number in XXXX. Reference XXXX XXXXXXXX The beneficiary has not yet received the money, And I have already contacted the Wells Fargo Customer Service, the banker who made the wiretranser on XX/XX/XXXX, the banker who made the amendment on XX/XX/XXXX and the destination bank. Without success. Nobody knows anything, nobody has any information to tell me. 

I'm tired, I can't stand searching for information without success anymore. I'm not asking the Bank for any favors. It's your obligation to serve the customer, because you get paid to do so. 

I asked, for the last time on XX/XX/XXXX, that bank update me on the status of my amendment request and that you provide me with a copy of the swift message so that the recipient bank can find the money and credit it to the final recipient 's account. 

Noting was done and the seller still without the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows : XXXX XXXX XXXXXXXX - Case Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am a victim of identity theft and I filed a police report and FTC report and sent them to the credit agencies. These documents are not being processed correctly and my disputes are not being submitted. I also am not getting copies of the verification process The Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a primary home loan to refinance for a better rate with Navy Federal. I was initially told when l filled out the application lowest rate would be 2.75 and the highest rate would be 3.00 %. I went through all the paperwork and applied for a 30 year as my primary residence. I was asked the same questions twice. I waited a long time and then was told by the second person to manage my loan that the underwriters wanted to write a loan as an investment property. I told the loan officer l have lived at that property for over 15 years. I have a small mother in law apartment that l rent out on the property. It is not an investment property! It is a place of quail and hawk, stag and fox! I told the woman l did not apply for a 15 year investment property loan. I wanted a 30 year mortgage. The exact same mortgage as l currently have with XXXX XXXX! I just received word they would not write the 30 year! I have probably 7 times the income required and credit ratings well over the XXXX mark! It is outrageous and egregious to be turned down with such high income and excellent credit. The process was not smooth! It dragged out and even though ANYONE WILL FINANCE ME, I DO NOT THINK IT FAIR TO HAVE ANOTHER HARD INQUIRY ON MY CREDIT! I only ask for people with some intellectual capabilities to respond and not tell me to " reapply ''!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how toremove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION orhttps : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required toremove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in theblocking of the erroneous information which is being posted to my report. Here are the list of items which donot belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/year> I received a call from ( XXXX ) XXXX stating that they were a process server trying to serve me with important documents regarding a judgement, I called the number they provided ( XXXX ) XXXX who said they were the mediator between me and the plaintiff who they said was original Buckle but is now XXXX XXXX bank ( not community ) this was the first credit card I ever had over XXXX years ago for the amount of about {$XXXX} and they claimed it was {$XXXX} and including all court fees and interest they were asking me for {$XXXX} to resolve this judgement out of court. I offered to pay the amount of the original debt and they declined my offer and said they are taking me to court. I could not find any information on this company Im not even sure if its real.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I put in a dispute for collection account Medical Data Systems Inc for {$1700.00}, the original creditor is XXXX XXXX University XXXX. This is on my XXXX  report that was disputed through XXXX XXXX. The DOD is incorrect ; Re-aging is illegal. On XX/XX/XXXX I received an email stating dispute was completed, my account is correct and it will stay on my credit report.
Product: Debt collection

This has been placed on my Credit report and represents an account that has nothing to do with me or anyone I am responsible. 


CREDIT COLLECTION SERVIC reported a new account on your XXXX Credit Report.XX/XX/2016 Alert Date XX/XX/XXXX Source XXXX Company CREDIT COLLECTION SERVIC Opened Date N/A Balance {$280.00} Balance Date N/A Phone N/A Address XXXX XXXX XXXX XXXX, MA XXXX
Product: Debt collection

A full walk through was completed when I moved out of this apartment with the leasing staff present. No damages were mentioned, charged, or recorded. XXXX XXXX XXXX nor the new owner of this alleged debt has not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting for years. The apartment complex was also provided my forwarding address. National Credit Audit did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. That itemized list that was typed up on a word documents. It was not in the leasing companys letterhead. Nor was it dated or signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit burueas to VERIFY this debt? The evidence submitted I believe was fradulent. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. My apartment carpet was also undamaged and stain free. 

I am requesting this company provide the following evidence : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists all damages. 
Notice of any alleged debt from National Credit Audit to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.

Or delete this from all 3 credit bureaus! I have sent them several letters requesting them to verify this debt over the past 6 months with no response to date!
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( XXXX, Experian, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( XXXX, Experian, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( XXXX, Experian, and XXXX  ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX IN ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1300.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$2500.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX  XXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The following account are not mine and are unauthorized and need to be removed from my credit report Account name XXXX XXXX XXXX XXXX Account number XXXX Credit inquiries : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan that was transferred from XXXX XXXX thats true. After I made payments timely it was transferred to another company. On my credit report the XXXX company stated I had late payments which my account was transferred and I was notified by another company 4 months after I had completed my on time payment. I need to see why the XXXX company reported late payments while my account was transferred.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Bank Of America credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a "Pay Statement Balance in Full" option on their recurring payments. This should be considered consumer fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I received an alert on my XXXXXXXX XXXX  app about a collections account in the amount of {$3900.00}. I've never received any information from this company asking to verify/validate the debt that they assumed from another company. I've never even heard of this company till this alert. This has caused my credit score to drop tremendously.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account XXXX XXXX, XXXX. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 
I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately. 
- Promptly remove the negative late payments from my credit report. Compliance with FCRA Section 611 mandates that consumer reports be accurate and complete, and failure to correct these errors can lead to legal consequences. 

I expect this matter to be addressed swiftly and accurately, as I have consistently upheld my payment obligations. 
I also request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Thank you for your immediate attention to this legally binding requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXX XXXX Account : XXXX Amount : {$3800.00} Inquiries : Name : XXXX XXXX XXXX - Date : XXXX Name : XXXX XXXX XXXX Date : XXXX Name : XXXX XXXX Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX- XXXX XXXX XXXX Name : XXXX XXXX XXXX  XXXX XXXX : XXXX Name : XXXX XXXX- Date XXXX XXXX XXXX : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX  XXXX Date : XXXX Name : XXXX- Date : XXXX Name : XXXX- Date : XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed addresses on my Experian credit report and they are from 7 to 10 years ago along with even later. I was in jail a very long time ago and its still reported as inmate. I want this off of my credit report! XXXX and XXXX took them off and Experian will not even after the dispute. It makes it even harder to get credit with my past history on there as an inmate. Its been so many years ago. I want it all removed!
Product: Consumer Loan

The branch office filing lawsuits in magistrate court to collect on accounts that are 60 days past due. This is a breach of contract. I went to court on XX/XX/XXXX then 5 days letter I received a letter dated XX/XX/XXXX letting me know that my account had been transferred to the collection the department. Due to the fact that the branch office was claiming a payoff higher then my balance I have to appeal the judgement by the court. They are taking all customers to court to collect higher payoff then what is owed.