23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand the knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting

I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX accounts have been updated, and my correct credit score is XXXX. Experian refuses to do anything despite repeated requests to acknowledge that all my credit card accounts have been paid in full, and that I have a {$35000.00} savings account at XXXX. 
Please have them accurately check the various credit card accounts, and raise my credit score with them from the current absurdity XXXX to the correct XXXX. 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : Accounts : XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$950.00} XXXX  XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} Inquiries : XXXX  XXXX  - XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I leased a brand new XXXX XXXX XXXX for 48 months, 10,000 miles per year at a monthly payment of {$350.00}. At the time, I also purchased a {$490.00} excess wear and tear warranty on the lease from the dealer that would help refurbish the vehicle at the end of the lease to make it saleable. In XX/XX/XXXX, the same dealer ( XXXX XXXX ) contacted me and told me I could get into a new lease. At this time, I just put new tires, new brakes and a brand new windshield on the XXXX. It had 46,134 miles on it as well and was about 3.5 years old. At the time, the same dealer had older models with more miles on the lot for over {$12000.00} asking price. They offered to sell me the vehicle at {$11000.00} but I declined and leased a XXXX instead. The dealer sent a final check to XXXX  of {$2700.00} after doing their financial due diligence and quoting me a new monthly payment of {$350.00}. In the 4 years I owned the vehicle, I was NEVER late or missed one single payment. Months later, I get a bill from Hyundai about disposition fees and dirtier than normal seats and dirty carpets. I asked to see proof that the excess wear and tear warranty up to {$7500.00} was utilized an they refused to show any proof or pictures. They then turn around and sell a less than 4 year old car, with 46k miles, new tires, new brakes and a new windshield at auction for {$6500.00} and want me to pay the balance. This is fraudulent, unethical and immoral & seems punitive since I leased with someone other than Hyundai. They never offered to sell me the car at a lower cost, even the {$8600.00}, which clearly would have made us even. They have no proof they utilized and applied the warranty I paid for which would have certainly increased the value above wholesale/auction cost. The XXXX value in average condition for this vehicle was between {$8000.00} and {$9300.00} for a trade-in or private party. Clearly the {$6500.00} was just giving the vehicle away without any concern for my finances ( as they were just going to charge me any difference they claim ) and there is NO PROOF they utilized the excess wear and tear warranty which would have unquestionably increased the value. What they did should be illegal. I have never missed or been late on any payment in my life and now this situation is affecting my credit negatively. I would have bought the vehicle at a discount, but that wasn't offered and I think it is disgusting that they can just do whatever they want and just attempt to extort my money from me without any regard or input from me about it. They never contacted me after I requested the proof the warranty was applied and the vehicle could be sold for an increased price. I am requesting this be removed from my credit report entirely unless they can prove they applied the warranty and did ANYTHING to try and sell a newer vehicle with lower miles and new items mentioned above at something greater than the lowest selling market ( auction ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In Authorized Personal Credit Pull Was Initiated On XX/XX/2022 Business Ink I Did Not Give Written Instructions to pull PG on Credit Application, I Was pressured into approving an Personal Credit inquiry Delete Business Inquiry Off Of My PG Personal Credit Report I Would Like To Be Mailed A Copy As Fair Credit Act States Sun Chapter ( 15 USC Sec 1681i A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.
Product: Money transfer, virtual currency, or money service

I want to connect my account for a potential mortgage and other saving accounts and it wont let me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccurate information being reported on my credit report by Experian regarding late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe these late payments are being misrepresented, as I was enrolled in a deferment program during the period in question. According to my deferment documents, I was not required to make payments during this period, and the late payment status should not have been reported. 

I have already attempted to resolve this issue directly with Experian, but the inaccuracies persist, and my credit score has been negatively affected as a result. I am requesting your assistance in investigating and rectifying this matter. Please find attached the following supporting documents for your review : 1. Copies of my deferment paperwork, which clearly indicate my enrollment and the terms of the deferment. 

I am requesting that Experian immediately correct my account to reflect an accurate payment status and remove the late payment entries from my credit report. I trust that your intervention will facilitate the swift resolution of this issue. 

Thank you for your time and assistance in ensuring my credit report accurately reflects my financial history. I look forward to your response and resolution.
Product: Mortgage

In late XXXX I contacted Wells Fargo Home Mortgage regarding a loan modification after several months of unpaid medical leave of absence. They advised me to just " pay what I can '' and that since I would be going through the modification process that I would be reported to the credit bureaus as paying under a " payment plan. '' This is in line with what they did in XXXX, when I modified as well. I entered into the trial payment plan, made each as specified, but I didnt complete the modification as I brought the mortgage current on my own. Wells Fargo lied about how my payments would be reported. Though they reported them correctly during my modification XXXX, this time they reneged on their promise. They reported me as 30, 60, and finally 120 days late, despite the fact that I paid them exactly as specified under the modification terms. This has wrecked my credit and put me in an awful predicament.
Product: Student loan

At the beginning of XX/XX/2018, my daughter consolidated/refinanced all of her student loans including my PPLUS loans through a private loan company ( XXXX XXXX/XXXX  ). XXXX XXXX sent out payoffs to all of my daughter 's student loans on or about XX/XX/2018. However, my PPLUS loans still had not been paid off. These were all through Navient. After waiting a couple of weeks to see if the payoff would come through on my PPLUS loans, as of XX/XX/2018 my balance remained on the PPLUS loans. My daughter contacted her XXXX XXXX to find out that indeed, the payment of roughly {$18000.00} did get sent to Navient at about the same time. Therefore, I contacted Navient who informed me that the private loan servicer had sent the payment to the wrong address ( interesting that these are all federal loans, and my daughter 's went to the right address but not my PPLUS? ). I have heard other complaints that they give the incorrect mailing address on some of their payoff forms. After speaking with Navient, the CSR informed me that the easiest way was for XXXX XXXX to stop payment on the original payoff check and resubmit a check to the correct address. The CSR further went on to assure me that since this was through no fault of my own, he would make notation on my account that when they received the check, they would backdate the payoff amount to XX/XX/2018 so that there would be no accrued interest that I would be responsible for, essentially a zero balance. On XX/XX/2018 payment posted, but the issue of the accrued interest has not been addressed. As of this writing, the interest amount is {$150.00} and increasing XXXX to XXXX cents each day. I sent a letter via US Mail to Navient explaining all the above on XX/XX/2018. Having heard no response and watching that interest keep climbing each day, I sent a second request via fax XX/XX/2018 and still have yet to receive a reply. We are respectfully asking for XXXX to look into this. It is very frustrating and I have already spent far too much time trying to get this issue resolved. Basically, we want Navient to backdate this payment to the original payoff amount so it shows a XXXX  balance.
Product: Credit card or prepaid card

On XX/XX/2017 I purchased the rental of a car in XXXX through XXXX, a popular rental website. The total amount for the rental was {$75.00} USD for the dates of XX/XX/XXXX to XX/XX/XXXX. After my return to US I noticed a charge on my Citi Double Cash credit card with the date of XX/XX/XXXX for a total amount of {$530.00}. I presented a dispute for the charge, and after a few days I was informed that the merchant presented evidence of my acceptance of the mentioned charge. The document presented by the merchant ( supposedly signed by me ) was partially in XXXX, blurry, with values in XXXX XXXX, and extremely unreadable. However, Citi Bank decided to rule in favor of the Merchant, XXXX XXXX XXXX   XXXX. After contacting Citi multiple times via XXXX and phone they still insist that there's nothing they can do, even when the evidence is overwhelming on my favor.
Product: Mortgage

I was put on forbearance with veterans united. They immediately placed my account in collections. They then denied a streamline modification stating I was late on my payments prior. The gentlemen over the phone stated I needed to be 120 days behind on my payments past a forbearance period in order to qualify. The gentlemen stated I had to know fill out a new mortgage application with my income and debt and employer and all the information in order to qualify for a loan modification. According to the VA the streamline modification states very clearly that this is not the case. I called back again and the lady said again it was denied because I have been past due for more than thirty days. Her and I then went through my account in detail and we discovered that I was correct and was never late. 

Afterwards she said I had to be 121 days late to qualify for my streamline modification per the VA guidelines. I saw that this was not true, then she said I needed to apply for a refinance and said she would send me a refinance application. I stopped and asked her if I could apply for a streamline modification and she said fine I guess we could do that. After all this struggling she said it would take 30 days. Then I asked if its still the VAs policy to modify the interest rate to the current market. She said no we wont do that we will put you on a temporary modification, the VA doesn't change the rates. I then read her the VA guidelines on their website and she said that yes its true. 

I have called back a few times and have gotten aggressive manipulative situations and responses from them. I have asked for a straight answer and get the most confusing responses. The last time I called they even said I was not in forbearance. I need some help I am confident I am going to get XXXX  over and there is nowhere I can go and nothing I can do. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 
I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 
Inquiry from XXXX XXXX XXXX : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
Account : DISCOVER BANK ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Debt collection

I want to pay my wife 's {$550.00} debt. I called to do so on X/XX/17 but was told that this would not be deleted from her credit report. <P/>We were never made aware of this account, nor given our validation period. <P/>Again, I want to pay this, but only if it 's going to be removed. The adverse effect on my credit report outweighs payment for only an update of paid in full.
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.

Account Name : XXXX XXXX Account Number: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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.