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

My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION, and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX  XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
Product: Mortgage

I has been a problem with quicken since we started the mortgage with our escrow payments. They analyzed my escrow account within 2 months of my loan started and they said because we live in the south they were doing us a favor so we would not lose our home to forclosure. As a real estate agent I 'm fully aware on how escrow account are done. It has been more tha n four y ears and still problems with my escrow. Today I received a bill for  XXXX  mortgage payments when my payment had already cleared my bank. They seem not to be working in a matter that is in compliance with the law and also very discriminatory comments on there service advisor part when I asked to speak to a supervisor none were able to answer my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i looked at my experian report and saw that the name and address were incorrect on the report. XXXX and XXXX from experian informed me that they could not remove the address because the company has the address to the mailing addresses that are on file. No creditor should not reporting to an address that XXXX have not given them. I have never called experian and reported the addresses that are on file and the name that they are using is not my name. Ive asked them to fix this issue and they will not fix it.This is identity theft they are selling my information incorrectly and saying that they cant fix it.
Product: Mortgage

I contacted Amerihome Mortgage upon finding my loan servicing had been transferred to XXXX XXXX. I spoke with XXXX customer service reps during a call on XXXX  XX/XX/XXXX without any resolution about my information being transferred to a company who had experienced a serious data breach of PPI information in XX/XX/XXXX. I was told it was too late that XXXX XXXX already had my information. I then contacted XXXX XXXX ( XXXX of Amerihome ) via XXXX messaging and stated that I did not believe they were performing their fiduciary responsibility by selling any loans to XXXX XXXX. I was then contacted by a VP of Customer Experience, XXXX XXXX who I spoke with on the phone. She told me the packaging was done in XXXX for some XXXX plus loans. Again, Amerihome by selling my loan and thousands of others to XXXX XXXX clearly failed to protect my PPI by sending it to XXXX XXXX. I am now in a position I did not create and forced to do business with a company who clearly failed in their XXXX  protection of PPI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX opened XX/XX/2017 Acc # XXXX I attached all documents what you need included Identity Theft report. I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Product: Credit card or prepaid card

To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my Capital One Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX
Product: Debt collection

Company continues to send threatening collection letters after I disputed the debt in written form which they received and provided written documentation that the hospital and medical center forgave the debt under a charity case. I have attached the documentation for your reviewing including the letter of forgiveness. I have advised the creditor this debt is disputed, contingent, and invalid and they still continue to pursue. Please investigate this collection agency for violation of the fair debtors collection practices act and fine accordingly. In addition to this complaint I have turned the documentation over to a consumer advocate attorney for review and possible suit for collection act violations. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have tried on numerous occasions in the month of XXXX and in XX/XX/XXXX sent certified mails to these credit bureaus and the credit card companies about these inquiries and to have Trans-union to delete out this unauthorized inquiries from my report but to no avail. I have mailed several letters I found 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 Transition and all these credit companies have refused to delete this unauthorized inquires from my credit, I do not have any accounts with them, have asked them to show proof that I authorized this or else delete it. I have an excellent score and am not trying to have authorized information and or inquiries on my report. 

Please use your good office to contact them to delete this information from my report. 

2. On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXT XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXXXXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply. 


3. XXXX On XX/XX/XXXX and on XXXX XX/XX/XXXX I have sent certified letters to the credit companies and the credit card companies about unauthorized inquiries on my report which are as follows : XXXX / XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

I did not authorize thesis inquiries, I understand they are in business to solicit business, but I do not have an account with them as well. I want them to delete these from my report and send me a letter to this effect. I have sent numerous letters certified to them but no reply.
Product: Mortgage

I have requested several times to have PMI removed off of this loan. My LTV is below the requirement and they refuse to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i recived my investigation results from trans union saying account was verified if that was the case i need the method of verification under Section 611 ( a ) ( 6 )
Product: Credit card or prepaid card

In XXXX 2017 I tried to contact Capital One Bank to determine the balance due on my credit card. I tried to contact them by phone & online. I spent many hours on hold and received no response to my email. I became concerned because I feared If I ever lost the card I would not be able to contact them. After 2 days I finally reached an operator. 
I told her I wanted to close the acct. She informed me that until the full balance was paid the acct. I agreed to pay full amount of approximately {$700.00}. I mailed a check on XXXX XXXX,2017 I sent the full amount due. The next month I received a bill for the balance plus interest. I called my Bank & was told check had not cleared. I called Capital 1 & told them they should cash my check. They denied having received the check. I asked to because I wanted to report the check stolen The Operator refused to connect me. 
But they continue to send me offers of higher credit lines and " Platinum Credit Cards.

Cleary they are keeping the account open because they want my business. I filed a prior complaint with your agency but I was very disappointed because all they did was call Capital One & ask them what the problem was. There response was She has n't paid. Your response was you have to pay them. 

I am willing to put a stop on my initial check if Capital One removes the interest charges and bills me for the original balance & provides me the name of a specific person to send the check to via USPS Return Signature requested
Product: Checking or savings account

I opened a Chase business checking account and it had taken a long time to repair my consumer reports after suffering a devastating identity theft not long ago. I was very proud of getting this account and was excited to finally be a part of the Chase family. My initial deposit was a check I received from a friend but she was unaware of restriction she had on her account that caused the check to be returned. Neither I or her were aware of the restriction and thus had no control the check being returned. Since the account was under 90 days of being opened, Chase closed my account as quick as I had opened it. I plead with them to have a second chance to exchange the deposit but they refused and said I was too high risk. I think that it was completely unfair and unnecessary for them to be so harsh on me especially since it was one of my first accounts since the identity theft. They treated me as if I were a criminal even though I begged them to reconsider their decision.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Complaint is against Navy Federal Credit Union. XXXX of XXXX I was notified that I was being sued for an auto debt of around {$8000.00} originated in XXXX and a credit card debt of around {$800.00}. Navy Federal had passed the debt to the Collection Agency XXXX XXXX XXXX in XXXX where it remained until the accounts were closed due to the Auto debt reaching statute of limitations XX/XX/XXXX and XX/XX/XXXX. No further contact had taken place until XXXX, XXXX wherein Navy Federal had found my current residence in South Carolina using the law firm of XXXX XXXX Case # XXXX. XXXX XXXX has claims Navy Fed still has the right to sue despite how old the debt is and is currently attempting to change jurisdiction from XXXX XXXX, CA to XXXX, SC. On XX/XX/XXXX I received a text for an appointment to be served. When XXXX XXXX was contacted, they claimed it was a mistake but is still in the process of changing jurisdiction. This is causing a tremendous amount of stress for myself and my family under threat of being sued for these debts that are very old and past limitations. I'm currently awaiting mail from XXXX XXXX explaining Navy Federal justification. XXXX XXXX has also stated that the debt will also increase just because I no longer live in the XXXX XXXX jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX AUTOS add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ; XXXX XXXXXX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 XXXX
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 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 


To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Consumer Solutions has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts.

Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were mailed to XXXX, Equifax & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/year> someone entered the XXXX XXXX XXXX and used identification that was used for me but wasnt me and purchased a vehicle in my name this is part of an ongoing identity theft issue
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both XXXX ( XX/XX/XXXX ) and Transunion ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XX/XX/XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with Transunion. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to XXXX - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : This is my third time stating that I am a victim of XXXX trafficking. I provided all the information but i received a letter saying the my information wasn't accepted, i am disappointed and outraged. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( XXXX ) resulting from trafficking that should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Debt collection

Went to a XXXX XXXX XXXX XXXX XXXX to have some front end work done only applied for snap credit and was approved to pay for the repairs later I discovered I was charged for some rims and tires through West Creek Financial that I never purchased are applied for west creek financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute XXXX and EQUIFAX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. EQUIFAX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.