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

I value your help to ELIMINATE a portion of the data in my credit file that came about because of a FRAUD yet I have certain accounts passed on that should be deleted. Per FCRA segment 605 you are expected to clear any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX  XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$89.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I received my annual credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've already contacted the FTC and the police. I'm doing this on my own and there are still items on my credit report that are not mine. Bankruptcy Chapter XXXX-discharged.
Product: Debt collection

In XXXX, I was never served with court documentation of court date. Due diligence was not afforded to me. A judgment was placed and a lien on my account surfaced in XXXX as well as a wage garnishment. This wage garnishment caused me to become homeless with a dependent as well as other funds in my accounts. The agency purposely had the Notice of Lien forwarded to a random address in XXXX XXXX with my personal information in it. I had to drive to XXXX XXXX to get the resident to agree to sign a notarized letter indicating I never resided there or received mail there. After investigation and a documentation trail, it was discovered this debt was paid. In XX/XX/XXXX, I showed proof to the judge I was not served properly and that the agency and its attorney purposely denied me due diligence to deceive the court. The judgment was vacated in XX/XX/XXXX. The court was notified with their required form with my new address. The funds were returned. In XX/XX/XXXX, we went back to court where I had already began the process of filing for bankruptcy. The case was non suited.. In XXXX, XXXX I received a message via social media by a former neighbor in XXXX that I was served at her address in XXXX with a court date in XX/XX/XXXX. The court date was continued until XX/XX/XXXX where the bankruptcy was already in place. Documentation was supplied to the court. Each court visit caused me to travel from XXXX XXXX to XXXX, I was charged {$100.00} by each bank for the lien fees. I had to stay in a hotel for 6 months until the judgment was vacated. This debt was satisfied back in XX/XX/XXXX. Each time the agency and their attorney filed in court, they purposely had me served at my former address in XXXX, knowing I lived out of state and were aware of my current address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and the accounts/inquiries listed below were opened or made without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking of the following fraudulent accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX,, XXXX XXXX, NV, undefined, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX, XXXX XXXX Par, XXXX XXXX, CA, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XXXX, 2019 Balance : {$250.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX XXXX bought charged off credit cards accounts from XXXX XXXX in my name. They have committed fraud in communication and fraund in actions. 

They have reported closed debts as OPEN to the credit agencies. 

They have sent false letters claiming communication that did not occur. Note the letter claiming communication from XXXX XXXX. It was never sent in 2017. 

They are claiming false amounts that do not reflect pass payments made to XXXX XXXX. 

Both Credit Cards accounts are more that XXXX ( XXXX ) years old.
Product: Credit card

This card was paid in full & still showing as a negative closed card on my credit report. I am requesting to have this removed completely off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  an account was opened with XXXX XXXX XXXX XXXX XXXX me as a cosigner to this auto loan. 

2.The respective owner of the car made payments from XXXX XXXX XXXX 

3. The account was deemed 30 days late on payment on XXXX followed by a " Repossession '' status from XXXX XXXX XXXX, then to a " Charge Off '' status from XXXX XXXX. 

4. On the first week of XXXX XXXX XXXX, I had received a letter from XXXX XXXX XXXX XXXX a law office representing said company reaching out to me to with a claim that XXXX XXXX XXXX filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account. 

6. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

7. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

8.I was informed that a letter of satisfaction would be sent to me and expect to receive it within 7 business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX XXXX XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XXXX 

9. Now I have been trying to contact XXXX XXXX XXXX in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their litigation department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
Product: Credit reporting or other personal consumer reports

I sent TransUnion my updated DL and Social Security Card I am asking that they delete the name XXXX off of my report. The name is connected with Identity theft from my ex-husband, and others who keeps using the name to obtain fraudulent accounts
Product: Money transfer, virtual currency, or money service

Well first we made an agreement for me to receive a loan at waste time I met set agreement and right before I'm giving my money they taxed on an extra {$450.00} charge which I paid and then they said that their machines we're having problems processing it so I would need to send an additional {$200.00} before I was able to get my phones that I was already promised and had already met through card agreement and now they refuse to refund me any of my money and states that if I do not pay the XXXX that they will throw my entire as long as they make and money that I spent so far out and I will get nothing that money with my sister 's insulin I need help immediately
Product: Mortgage

I received a letter dated XXXX XXXX from XXXX XXXX that it was transferring my loan servicing to Specialized Loan Servicing ( SLS ) in XXXX, Arizona. 

I was not concerned at first. But then, there were nothing but problems with SLS from the day of the transfer. It took weeks to even speak with a person from SLS about the transfer. 

Once I spoke with a representative, I set up weekly mortgage payments, as I had done with XXXX XXXX for years and I never had any issues. 

Once the ACH debit was set up and confirmed via phone and I received an " Electronic Funds Transfer Enrollment Confirmation '' -- I thought everything was set up and expected smooth sailing. 

My first payment was applied to my payment as set up. 
My second weekly payment was applied to principal, not as a payment, potentially making my full payment late. And then, I received an " Automatic Payment Cancellation Notice '' letter dated XX/XX/XXXX explaining that the ACH had been cancelled. 

I spent hours on the phone and on hold trying to correct the misapplied payment and trying to figure out why the ACH was cancelled to no avail. It was very stressful. I never experienced this situation and I have owned a home for 25 years. No one at SLS ever returned calls as promised. Then, I read reviews on the XXXX XXXX XXXX with people citing the same problems of cancelled ACH and misapplied payments. 

Several, like me with a credit score above 800, cited they never resolved the payment problems and that their credit score dropped because of a supposed missed payment. These folks warned others to refinance quickly before credit scores dropped because of SLS mishandling payments. 

This concerned me greatly. After 7 hours on hold, I realized I had to refinance quickly. This cost me about me about {$5000.00}, but thankfully, I am away from SLS. 

Please research this servicing company, this company needs to be shut down. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went on experian.com to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and XXXX as well. On XX/XX/XXXX, XXXX completed their investigation and XXXX XXXX completed theirs. Experian also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, Experian and XXXX are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. Experian also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

I had received a dept from XXXX XXXX XXXX. and I dont know nothing about that this is not right not my dept
Product: Debt collection

I received no notice to my address XXXX XXXX XXXX XXXX XXXX CA XXXX despite a USPS address change after I moved on XX/XX/XXXX regarding an unpaid balance. It wasnt until I downloaded my credit report on XX/XX/XXXX and saw the derogatory marks that I immediately paid the overdue balance from XXXX XXXX. If I had received a notification, I would have paid immediately as the balance was only {$29.00}. 

I also have an active account with them and have had an active account for years, set on autopay, so the fact that they werent sending me billing notifications via mail or email is unacceptable.
Product: Credit reporting

I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XXXX XXXX and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account that is erroneously being reported on my credit report. This is not my account.
Product: Mortgage

XX/XX/XXXX - Applied for a mortgage refinance with Amerisave for a condominium XX/XX/XXXX - Paid {$500.00} application fee XX/XX/XXXX - Loan estimate provided with No appraisal required XX/XX/XXXX - 2nd Loan estimate provided XX/XX/XXXX - Closing Disclosure provided with tentative closing date XX/XX/XXXX - Amerisave changed Homeowner insurance policy to their name effective XX/XX/XXXX XX/XX/XXXX - Received text message to submit documents. Logged in but nothing is required XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required XX/XX/XXXX - Revised Closing Disclosure received with Closing date XX/XX/XXXX ( Disbursement XX/XX/XXXX ) XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required Amerisave changed their rule to require appraisal and set up appraiser appointment on XX/XX/XXXX XX/XX/XXXX - Received email that application is closed due to incompleteness All required documents have been submitted on time throughout the process, with the exception that they suddenly require appraisal. 

Amerisave did the following : 1. Intentional and deceptive practice in demanding documents and holding longer review ( condo review document took at least 3 weeks ) 2. Switched homeowner insurance prior to loan closing signing 3. Did not provide services as intended 4. Created undue burden on loan applicant to pay for additional discount fees on XX/XX/XXXX when seeking other loan arrangement.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information destroying my life hippa and cra violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Experian sent me an email with a credit report with falsification of my fico scorce from XXXX to XXXX anf from XXXX a from XXXX to XXXX and XXXX from XXXX to XXXX to increase my montlhly subscription from XXXX to XXXX as an upgrade when I just got the XXXX repot last week. Reports are given monthly. Either way this is AGE DISCRIMINATION AND MISREPRESENTION. Experian disgusts me. XXXX fixed it to XXXX amonth and not XXXX forcing an upgrade to XXXX. 
Experian sickens me. I am reporting their financial crimes to the Attorney General.They are to refund the last 3 months of XXXX on account XXXX..they areconly allowed XXXX a month. They are XXXX XXXX XXXX. A call center in the XXXX where fraus is a systematic relations process proves there stupidity. Tell them to go to XXXX.
Product: Credit reporting

As a XXXX veteran, I applied for a VA refinance loan for my primary residence from XXXX XXXX XXXX XXXX in XXXX, SC XX/XX/2016. With all pertinent information in hand, I delivered my application to the loan officer who promptly checked my credit score with TransUnion and other credit reporting agencies and informed me that my TransUnion score stood at XXXX, far below their lowest requirement of XXXX and therefore was denied a VA loan from their establishment. That surprised me because I had subscribed to popular credit score company XXXX XXXX which reported my score was above XXXX. The loan counselor advised me that website credit scores and official credit scores use different formulations and the scores may not match. Although disappointed, I did not dispute the denial. However, I then joined the TransUnion credit score website for a fee, which also listed my credit score by TransUnion above XXXX. Confused, I continued to work on my credit hoping to get a better official credit score in the future. On XX/XX/2016 I applied for a home improvement loan from XXXX of {$2400.00} but was denied credit in part because of a credit score of XXXX. I promptly called TransUnion and asked for my credit report at cost, including credit score which I recently received in the mail. The credit score included in the report dated XX/XX/2016 is XXXX grade c and not the XXXX score quoted to XXXX, my prospective creditor. I now feel like I have been discriminated against for some unknown reason. I have complained to a loan officer at XXXX XXXX via telephone to no avail. I have notified XXXX via U. S. Mail of my intentions to dispute their decision. I have not officially notified TransUnion yet, but intend to do so. I would like for TransUnion to explain to me why they listed my credit score with prospective creditors at such low level but continued to tell me via their website and credit karma 's website that my score was much higher. The result being credit denial and major personal embarrasment. I would like an official apology from TransUnion explaining their error, if any, and I would like for them to correct the score given to XXXX XXXX XXXX XXXX and XXXX.