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

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance 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
Product: Debt collection

I have been paying off a couple tickets for quite some time now and there was one month where I asked them the remaining balance after I made my payment and the amount owed was significantly higher than it was the previous month with my remaining balance. They refused to tell me what things I were paying off and I had to call back and talk to somebody else to figure out that I was actually on top of paying my personal tickets. I was also paying off somebody elses tickets. The amount got fixed and I started making payments again. My brother ended up passing away and I had called because I missed a month or two explained everything and started making my payments again last month. I called to make my payment and they told me that if I didnt pay {$200.00} that they were going to garnish my checks I paid the {$200.00} and the lady told me next month when you call youll be paying {$50.00} and you owe {$160.00} was my remaining balance as of XXXX. I told her that I get paid on the XXXX of every month so thats when Ill try to make my payments, she agreed. On XX/XX/XXXX, I made a call to make my $ XXXX  monthly payment and the man on the phone told me that if I dont pay {$200.00} they are going to garnish my checks. I told him that last month I paid {$200.00} to prevent them from garnishing my checks already Told me that I didnt pay on the first so thats why theyre gon na garnish my checks and I let him know that I had an agreement to pay on the XXXX when I get paid. He was extremely rude to me. Told me that I was lying and became very upset, that obviously upset me as well because Ive already struggled a lot to get these payments fixed and accurate and at this point this will be the second month in a row that Iv been threatened to pay {$150.00} more than my monthly payment of XXXX $ in order to not be garnished. I asked the guy the please go over the voice recordings and he informed me that they do not record call and that Im out of luck. This is with the valley empire collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX  credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX American Express has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XXXX XXXX has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I applied for a Chase Freedom Card that pays 1.5 % back and was turned down for down for the card for some reason. I called Chase on XXXX at XXXX and spoke to a representative. I specifically asked the lady if I could change XXXX of my current credit cards over to the new Chase Freedom Card and still get the {$150.00} credit applied to my account if I spent {$500.00} or more in the first 3 months of having the card and the lady told me I could. 
Chase then mailed me the new card and I in fact spent {$500.00} and more in the first 3 months. Around XXXX, I called Chase to find out Why I never got my {$150.00} credit. They told me I could not get the {$150.00} because my account was not new. I told the person I spoke to what the lady had told me about being able to get the {$150.00}. 
The lady referred my complaint to marketing and said they would be back with me in XXXX to 10 days. I never heard back so on XXXX XXXX, XXXX, I called Chase again. I spoke to a supervisor who reviewed the marketing departments findings and he even told me they had reviewed the phone call I made on XXXX XXXX, XXXX, and found where their employee told me I would get the {$150.00} as a statement credit if I spent {$500.00} or more in the first 3 months of the account being open. However, he told me this was a mistake by their employee and they had no way of giving me the credit since my account was an existing account since XXXX. So, even after finding I accepted the new card based on what I was verbally informed by their employee, they would not honor what I was told! I feel this is very wrong and is most likely illegal, as a company as large as Chase MUST stand behind what their employees inform customers! Further, it appears that Chase is willing to take better care of a brand new customer than a loyal customer of 24 year which is very, very poor business! If chase ca n't honor and stand behind what their employees tell customers, I will NOT be a customer for much longer, as they have violated my trust and banking is based on trust!
Product: Credit reporting or other personal consumer reports

been disputing this account for some time they are refusing to removed from my credit reportXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts, 1 ) XXXX  XXXX {$710.00}, 2 ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX {$450.00}, Due to my identity being lost, compromised and stolen. These accounts do not belong to me therefore I'm demanding that the credit reporting agencies Stop reporting such fraudulent accounts and block such accounts immediately. Or show just cause by providing me with certified physical documentation that shows otherwise. And as a general rule of law electronic Verification can not and should not be accepted as proof of any sort. Your cooperation is appreciated.
Product: Debt collection

CREDIT MGMT is alleging I owe a debt but they have provided me with no evidence that this is indeed true. This is a third party to the an agreement I made with another company that they have no authority to collect for XXXX because I read over their articles of incorporation and did not see this company listed as involved in the companys business practices and I have received no summons from a competent court stating they have permission to collect this debt
Product: Credit reporting or other personal consumer reports

" I am disputing an inaccurate entry on my credit report by XXXX XXXX XXXX, which is reporting a debt to the credit bureaus despite my prior disputes directly with them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they should have ceased all collection activities until verification of the debt was provided. '' Details of the Inaccurate Entry : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$660.00} Date Reported : XX/XX/year> Reference Number : XXXX Summary of My Actions : On XX/XX/year>, I called XXXX XXXX XXXX to dispute the debt 's validity. 
On XX/XX/year>, I mailed a certified letter requesting debt verification ( see attached USPS tracking ). 
Despite my request, XXXX XXXX XXXX reported the debt to credit bureaus on XX/XX/scrub>XXXX XXXX XXXX without verifying the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction and update of the payment history for my account with XXXX XXXX on my credit report. The current payment history displayed by TransUnion is inaccurate and inconsistent with the accurate reporting shown by XXXX. Specifically, XXXX has correctly displayed my payment history with accurate and timely information, reflecting compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). 

Additionally, the account should be listed as Paid rather than just Closed to accurately reflect the resolution of the balance, as this status better represents my responsible management of the account and positively impacts my credit profile. 

The FCRA emphasizes the importance of accurate reporting, and any deviations from the correct information can adversely affect my creditworthiness and overall consumer rights. Enclosed are detailed records showing XXXX accurate representation of my payment history, which I expect TransUnion to match to ensure compliance with federal regulations. I respectfully request the immediate adjustment of my payment history to align with XXXX reporting, as it reflects the true status of my account without discrepancies. 

Please consider this correspondence as a formal dispute under the FCRA, and I request confirmation once the necessary updates have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to formally dispute inaccurate information appearing on my credit report related to the following account : Account Information : Creditor Name : XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the maximum possible accuracy of information reported. However, this account contains multiple discrepancies that I am challenging based on factual inaccuracies and inconsistencies. 

Basis for Dispute : Incorrect Reporting of Charge-Off Status : The account was reportedly charged off, but it continues to reflect ongoing past-due amounts each month, which is a form of illegal re-aging under FCRA regulations. 

Inaccurate Account Status : The account history reflects conflicting information regarding its closure, charge-off, and balance updates. These inconsistencies violate the accuracy requirements outlined in the FCRA ( 15 U.S.C. 1681e ( b ) ).

Failure to Investigate Theft Report : This account is related to a stolen package for which I filed a police report. Despite my efforts to resolve the matter, the creditor failed to acknowledge or rectify the situation. Under FCRA ( 15 U.S.C. 1681i ), information that can not be verified must be removed.

Legal Grounds for Dispute : FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to obtain and dir Resolution : I formally request the following actions : Immediate removal of the inaccurate charge-off and past-due reporting from my credit file.

A detailed explanation of the investigation process used to verify this information. 

An updated credit report reflecting the necessary corrections. 
This matter is significantly affecting my credit standing, and I expect a resolution within the 30-day period as mandated by the FCRA. If this issue is not resolved promptly, I will explore further legal action to protect my rights.spute the completeness and accuracy of my credit report.

FCRA Section 611 ( 15 U.S.C. 1681i ) : If an item is found to be inaccurate or unverifiable, it must be removed.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Information providers must ensure the accuracy and completeness of the information they report.

Truth in Lending Act ( TILA ) Section 1601 ( 15 U.S.C. 1601 ) : Requires transparency and accuracy in credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Last reported XX/XX/2020 {$340.00} Reported balance XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The CRAs did not get back to my request to send back ( within the allotted time ) how they verified the information on the credit report. On XX/XX/XXXX I sent in letters asking them to verify their methods or how they verified accounts and they never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, XXXX and Transunion has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX Balance {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - XXXX and Transunion assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give XXXX permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. XXXX and Transunion was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - XXXX and Transunion assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA REPORTING OUTDATED ACCOUNTS SINCE XXXX - XXXX ... NOT MINES/ NEVER DONE BUSINESS WITH COMPANIES : " 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

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Product: Debt collection

I requested all the original documents or any type of information they have with my physical signature on it they couldnt provide the information because I have no accounts with this company I have never signed anything with them or did any type of business with them
Product: Mortgage

I have been trying to remove my FHA mortgage insurance and my mortgage company is denying my request. My wife and I bought the home in XXXX and FHA streamline refinanced in early XXXX. The loan was sold to XXXX XXXX shortly after the refinance. This year, I made a large principle curtailment payment of {$9500.00} on XX/XX/XXXX to reduce my Loan to Value ratio below 78 % and sent a request for XXXX  to remove the mortgage insurance via USPS on  XX/XX/XXXX. Within the month, my loan was sold to another company ( Village Capital & Investment, LLC ). I sent my first request to Village Capital ( via USPS ) to remove the mortgage insurance on XX/XX/XXXX and did not receive a response from them. I called their customer support in late XXXX and finally received a response via USPS letter dated XX/XX/XXXX that said my loan to value ratio was currently at 81 %. I called them again on XX/XX/XXXX and spoke with someone in the escrow department who ( incorrectly ) tried to tell me that loan to value ratio is calculated on the starting mortgage principle amount, not the value of the home at original purchase. As requested, I sent an email followup to the escrow department on XX/XX/XXXX to refute that claim and to tell them that the FHA connection printout they provided had an incorrect " Unpaid Balance '' ( it didn't include the principle curtail payment ). I have called several times since then and either I can not get ahold of the escrow department or don't get a return correspondence.
Product: Debt collection

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an incorrect item on my Experian credit report since XX/XX/XXXX. Instead of investigating Experian continues to accept XXXX XXXX XXXX word for the incorrect item. I have personally requested that XXXX XXXX XXXX send ME verification of the account, such as, the name and telephone voice recording of who originally ordered the service from XXXX , the date of the request, the billing address given, and the name on the credit card securing the order. XXXX XXXX XXXX has NOT provided this information to me or to Experian. I have never received a bill for this account because I do not now nor have I ever had an account with them. I am XXXX years old under doctor 's care and the stress of this is further damaging my health. I have maintained excellent credit for more than 60 years. This incorrect collection on my credit report has knocked my FICO score down from XXXX to below 700. I keep trying to contact Experian about this, but their phone number takes me to a robot telephone loop. My complaint is about Experian AND XXXX XXXX XXXX. Because of my age, I feel totally taken advantage of that borders on elder abuse. I have no documents to submit, because I did not order this service, have never received a bill. I don't know how to upload my letters to XXXX XXXX XXXX or Experian. May I send you copies through the mail?