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

On XX/XX/XXXX, I found out through my mortgage company that an erroneous creditor was showing as a charge off. XXXX XXXX was shown as a collection agency for XXXX XXXX. Back in XX/XX/XXXX I originally learned of the charge off. I contacted both parties to learn that the chargeoff was for a payment made to XXXX XXXX XX/XX/XXXX ( 2 years prior ). The chargeoff was in error, XXXX XXXX, XXXX XXXX was to request the deletion from my credit reports for XXXX XXXX, XXXX, and Equifax. Per XXXX XXXX, he requested the deletion and Equifax did not the process it. I contacted Equifax and they tried passsing the buck to XXXX XXXX. Although I explained I have a home loan pending, I was told the earliest they could handle was 30 days which is to late. I called Equifax 4 times and requested to speak with a Supervisor and was left on hold for 1 hour, 20 minutes ... .and was eventually hung up on each time. The agents seemed foreign and not concerned about emergencies that are detrimental to ones life. I stand to lose my home that is in escrow if this is not removed immediately.
Product: Credit card

Without my consent, Paypal attempted to sign me up for a credit card. I did not authorize the attempt which added an inquiry to my credit report.
Product: Credit reporting or other personal consumer reports

My information was in a data breach and theres a lot of information on my report that is identity theft. Ive been in touch with the company and explained my situation and still no resolution. There are a lot of negative information on my report that needs to be deleted due to erroneous reporting. Please advise as to what I need to do to get the consumer reports corrected to get my report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

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

XX/XX/year> **Sent via Certified Mail - Return Receipt Requested** XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Correction and Updated Request for Verification of XXXX Debt Charge-Off** **Reference Number : XXXX To Whom It May Concern, I am writing to correct an error in my previous communication regarding the request for verification of a **1099-C** debt charge-off. In my prior letter, I included the wrong account and reference number. Please disregard the information provided in that letter and refer to the updated information below. 

The alleged debt is now linked to the following entities : 1. Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. Debt Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I kindly request the following : 1. Verification of the **1099-C** form issued in connection with this debt ; 2. Documentation supporting the original debt, including the amount owed and the date of the charge-off ; 3. Proof that the debt was legally canceled or forgiven, as indicated by the issuance of the **1099-C** form.

If this debt has been incorrectly assigned or if there are discrepancies, I request that you update your records and inform the relevant authorities to reflect the correction. 
I appreciate your attention to this matter and kindly request that the corrected documentation be sent to me within **30 days** of receiving this letter. This letter has been sent via **Certified Mail** with a return receipt requested for my records. 
Thank you for your time and cooperation. 

Sincerely,
Product: Credit card

Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says that there is an opened credit card with {$7200.00} balance. I havent had a XXXX XXXX card since 2004 and it was always paid off. Tried numerous times to get it removed. No response from company. Hurts my debt to income and credit score. Also XXXX XXXX XXXX put a 30 day XXXX payment on my credit, but they have over 22,000 points that would have paid that payment. Also, payment was automatically paid every month. Never notified of expired payment.
Product: Credit reporting or other personal consumer reports

Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.
Product: Payday loan, title loan, or personal loan

Received a call from a 3rd party collection agency that threatened to have me arrested for wire fraud for stopping my ACH. I was unable to make the demanded high payment right at the time, and the company identified themselves as summers process servers. The man said if I could not pay, I would be in jail in four days for wire fraud and hung up. 

They claimed the process servers were located in my county, but after doing research, I found no such company. He said that by ending my ACH authorization, I had committed wire fraud because my bank account was collateral. The number was from XXXX, Tx and the man was very pushy, rude, and very threatening, almost laughing. The number was XXXX.
Product: Debt collection

We just filed a complaint in where XXXX stated XXXX purchased the debt XXXX XXXX and so forth on XXXX under the fair credit reporting act I must be contacted XXXX phone or XXXX Mail if not credit XXXX not reported negative I provided u a dispusition of the courts where I was in prison upon your purchase of the debt .. XXXX report I send u a disposition from XXXX XXXX XXXX XXXX XXXX was arrested in XX/XX/XXXX and I was there until I won my appeal in XXXX .. so please tell me how u made contact with me not XXXX letter was addressed to XXXX XXXX XXXX you can choose a previous address and say oh I made contact not to mention its public record its still on my credit report. Where my location was .. its not my responsibility to follow the law its yours .. your in lawfully collecting a debt. That u have no fright to and are not follow the federal and state law which states if u did not make contact u can not report any negative report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received a welcome email from Chime for opening an account and they wanted to start automatic deposits. I called customer service and informed them that I received this email and that I didn't open an account with them. She was able to verify that an account was opened in my name and it was an unknown caller with my information. The representative immediately cancelled the account and sent me a confirmation email and also advised me to report this incident with the FTC and notify the credit bureaus.
Product: Debt collection

Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau transunion and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED. Inquiries : XXXX, XXXX XXXX.
Product: Debt collection

Called in the month of XXXX. I stated to him that I have paid this already. I asked him to please send me an email so I can send in a copy of the receipt showing the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE PULLING OR EXCHANGING DATA OR RECORDS FILES ETC. WITH XXXX  XXXX PURGE ALL DAT IN MY NAME SINCE BIRTH XXXX XXXX XXXX SSA XXXX DOB XX/XX/XXXX OR FACE A CLASS ACTION LITIGATION WITH TRANSUNION.
Product: Mortgage

NAVY FED ERAL- steering.   I am a   XXXX   XXXX   XXXX   with  XXXX   XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted   XXXX   XXXX   XXXX    in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement.   My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a  XXXX   XXXX  agent  ( Navy fede rals referral company ). TO HAVE   XXXX   XXXX   WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!!   It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.
Product: Credit reporting or other personal consumer reports

Experience Credit reporting as continually did violation of my fair reporting Credit act by way of, 15 use 1681 ( A ) 1-4 ( b ) it insured me that late payments and transactions are not part of the credit reporting report. Under my credit reports : 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 XXXXXXXX Also my rights to a accurate account with only my name as seen on my ID and address envelope
Product: Mortgage

I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; XXXX INquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.
Product: Credit reporting or other personal consumer reports

one of the companies for instant ( XXXX ) account had been closed and disputed, months later it shows back up on my report, saying i owe an inaccurate amount. another problem is XXXX XXXX on the 8 plus inquires that are tremendously hindering my credit profile and ability to access to funding. Others are reports being showing that the information is inaccurate reporting and not reporting the same information across all 3 bureaus.
Product: Credit reporting

Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following ACCOUNT : Empire Finance of XXXX ACCOUNT XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE XXXX ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Debt collection

I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and i noticed a lot of inquiries on my credit report and also an account that needs to be validated by signed documents by me authorizing this account
Product: Checking or savings account

Im writting to file a complaint against Navy Federal Credit Union regarding multiples overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

We are in a Hurricane Irma XXXX designated area ( XXXX XXXX XXXX XXXX FL XXXX ). 

We applied for and were granted a deferred minimum payment grace period on our XXXX credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call XXXX XXXX XXXX at XXXX XXXX XXXX the XXXX representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX
Product: Student loan

I called Sallie Mae to request forbearance while I change jobs, battle with medical issues and bills, and come up with a plan to repay my loans that will be effective because I am experiencing a current financial hardship. I spoke to a gentlemen who said he could do nothing for me unless I paid {$800.00}, that day and then he would help me. I could not afford to do this, which was the reason for my call in the first place. I eventually spoke to another gentlemen who said he could do a 1 month forbearance for me while I tried to get my feet back under me. Everything went normal and he took my good faith payment of {$150.00}. He told me that I should see the forbearance on my account withing 24 - 48 hours. It has now been 120 hours and no forbearance. In addition, Sallie Mae 's policy is that if you are denied forbearance, they will apply the {$150.00} to the loan. This still has not been done. I have also not received any information regarding if I was accepted or denied for forbearance. Essentially, they have just taken my {$150.00} and done nothing with it.
Product: Debt collection

On I discovered ( RESURGENT CAPITAL SERVICES L.P ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.