23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

WELLS FARGO BANK WON'T LET ME ACCESS MY SAVING ACCOUNT WHEN I TRIED TO DEPOSIT CASH IN THE ACCOUNT THE REFUSED TO ACCEPT CASH AND TOLD ME TO GET A MONEY ORDER. WHEN I CAME BACK WITH A MONEY ORDER THEY REFUSED TO ACCEPT IT AND WOULD NOT TELL ME WHY. ALL THEY SAID WAS MY ACCOUNT WAS FROZEN.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. WERE DISPUTED XX/XX/18 EQUIFAX DID NOT REMOVE IT. THAT IS A SERIOUS VIOLATION.
Product: Credit reporting or other personal consumer reports

ou provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Product: Credit card

Without My knowledge or consent, without ever missing a payment, always paying on time and overpaying, this company destroyed my financial portfolio, by lowering XXXX of my XXXX plus lines, XXXX of them to XXXX $ and XXXX to just over what is due on the card from XXXX to XXXX limit with XXXX due. They took these steps without touching base to even attempt to give me a chance to explain not once was I ever reached out to to even let me know there was some resemblence of a problem. Now, this has caused my credit score to go into default, plummeting and causing a chain reaction of cards being alerted to lower my limits, it is showing i owe 90 % of my card instead of 70 %. I was doing fine and they tanked my credit on purpose. The first person i talked to started laughing about it and i had to hang up in anguish. The second person pulled my credit with a hard inquiry leading me to believe i would be able to revert my limits back or at least would have some time or opportunity to build a case to do so. Even after admitting there is no error on my report, they have decided to effectively put me into an emergency situation where my personal loan and my home are being threatened by the drop in my credit score.
Product: Mortgage

I refinanced my mortgage through Watermark Home Loans. I asked them to change the Title on my house with the re-financing of my mortgage ( from single and sole property to including my wife as community property with right of survivorship ). I made this request multiple times in e-mail conversations with the loan officer and  another employee. I still have copies of these e-mails. 

The re-finance went through and, after the fact, the company e-mailed me and said, " This went through as it was originally titled. Sorry. '' These people not doing their jobs has cost me a lot of time and money to try to resolve on my own.
Product: Credit reporting or other personal consumer reports

I have tried several times to reach out to synchrony bank to let them know I have unauthorized inquiries on my credit report from this company and they have still not removed them from my XXXX report. They are in direct violation of the fair credit reporting act, so this is my last report before talking to my military lead and seeking legal options against this company as this is effecting my gravely. 
Attached AGAIN are the inquiries which are unauthorized and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the SunTrust account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the SunTrust Checking account, therefore zero reason not to pay other than SunTrust illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. SunTrust did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of XXXX  multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Product: Mortgage

The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion included my brother 's student loan accounts into my account to calculate my credit score and on my credit report. I asked them to remove it and it hasn't been resolved yet. I need to get my credit report correctly as soon as possible in order to apply for a home mortgage.
Product: Credit reporting or other personal consumer reports

My Wallet was stolen myself and my childrens social has been exposed there's a lot of credit inquiries on my report and not even sure about my childrens
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with air XXXX XXXX XXXX, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK USA - ****** Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE BANK USA N XXXX XXXX Opened Date XX/XX/2008 Balance {$3200.00} CAPITAL ONE - ****** Opened Date XX/XX/2008 Balance {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX Did not delete incorrect errors on credit report as requested. 
All errors are not consistent on all the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/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
Product: Mortgage

First I would like to say I am an heir to this property. as well as the executive of the estate. My late brother XXXX XXXX passed in XX/XX/2019. I have been making the mortgage payments through my bank account. Mr. Cooper, who brought my loan gave me a really hard time and would not discuss anything concerning the mortgage. I have on numerous occasions fax them information on who I am and my interest in the property. Finally, in XXXX they acknowledge that I was the successor and offered me a XXXX deferment. I explained to them I was to shelter in place due to my age and pre-existing health challenges and was unable to continue working at my part-time job driving for uber eats. 
What they did as I near the end of my deferment was unacceptable they told me a young lady by the name of XXXX that the 3 payments would be put on the back of the loan. She said on XX/XX/XXXX I would make my regular payments. Then about 1 week before my payment was due ( XXXX ) I called them and they informed me that the underwriting dept denied my claim. They never sent a letter to inform me.of this What they sent was a modification letter. I feel they should get their facts straight and quit treating me with so much disrespect. I struggled to send them the 3 months of forbearance plus the current payment for XXXX they are not honest people at all..
Product: Credit reporting or other personal consumer reports

This account is closed since 2018 now is showing late payment and XXXX billing
Product: Credit reporting or other personal consumer reports

I am writing to formally request a validation of certain accounts appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. As a consumer, I have the right to dispute and request validation of any account that is inaccurately or erroneously reported on my credit file. 

Under XXXX U.S.C. XXXX ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to conduct a thorough investigation when a dispute is filed. Furthermore, any information reported must be accurate, verifiable, and substantiated by the original creditor or furnisher as required under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX. 

I am requesting that you provide me with validation, not mere verification, of the following accounts, including but not limited to : 1. A complete accounting and itemization of the alleged debt 2. A copy of any signed agreements, applications, or contracts that prove my obligation to pay 3. Documentation showing the original date of delinquency and the chain of custody of the debt Please provide this information within 30 days as required by law. If the accounts can not be validated with the requested documentation, they must be deleted from my credit report immediately pursuant to XXXX U.S.C. XXXX ( a ) ( 5 ). 

Additionally, failure to comply with these requirements may constitute a violation of the FCRA and CFPB regulations, which could result in legal action against your agency. I request that all future communications be in writing. 

Please respond to this request at the address provided above. I look forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX XXXX ) was disputed back in XXXX and XXXX XXXX XXXX but still shows on Experian date last updated on XXXX XXXX. This a violation of FCRA rules for not following through with sufficient reinvestigation. 

Please see attachment ;
Product: Payday loan, title loan, or personal loan

I, along with my Mother and Daughter continue to receive threating phone calls of lawsuits and fraud from someone named who claims he works for XXXX XXXX XXXX. He continues to give out my personal information to my family members and calls them all throughout the day. He claims he is acting on behalf of Ace Cash Express but I spoke to them and he, nor his company has anything to do with them. This has been happening for the past three weeks.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report is outdated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate. 


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. 

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 has violated my rights. 

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: Debt collection

What Happened? 

I am writing in regard to the account listed by FirstPoint Collection Resolution, with an open balance of {$270.00}, which has been reported on my credit report. I would like to provide clarification of the situation and address concerns regarding the validity of the debt. 

Disputed Account : I dispute the validity of this account, as I have no recollection of the debt or agreement with the original creditor. I believe this information is either inaccurate or incomplete, and it should be investigated further. I did not authorize any debt or have any dealings with FirstPoint Collection Resolution.

Failure to Provide Proof of Debt : Despite my previous requests for verification, FirstPoint Collection Resolution has failed to provide sufficient evidence that I am responsible for this debt. I ask that they furnish clear documentation of the debts origin, including the original creditors information, the amount owed, and any contracts or agreements that substantiate their claim. 

Request for Documentation : As a consumer, I am entitled to request proof of any outstanding debt and verification of any amount being reported to my credit file. I formally request that FirstPoint Collection Resolution provide me with detailed, itemized documentation that confirms the debt, including the name of the original creditor and how they arrived at the balance being reported. 

Discrepancies and Removal Request : If FirstPoint Collection Resolution can not provide adequate documentation to verify the debt, I request the immediate removal of this account from my credit report. I am entitled to a credit report free from inaccuracies, and I believe this account does not belong there. 

Please provide me with the requested information in writing. If I do not receive the appropriate documentation, I will take further action, including filing disputes with credit bureaus and potentially pursuing legal remedies if necessary.
Product: Mortgage

Recently, I received a letter from Citadel Servicing Corporation stating that a recent XXXX found there is excess fund left in the escrow account that is due to me. Citadel used the escrow account to pay for my mortgage, property tax, insurance etc. I paid off the loan in XX/XX/XXXX. 

On XX/XX/XXXX, I called Citadel Servicing Corporation and spoke to XXXX of Customer Service. He said that the refund payment will be mailed to me no later than 20 days from XX/XX/XXXX. 

20 days went by and I still have not received the payment. 

On XX/XX/XXXX, 48 days after I had the conversation with XXXX, I talked to XXXX of Customer Service. He said the refund payment will be mailed to me later this year due to " a logistic reason. '' As a XXXX XXXX XXXX myself, I am fully aware that mortgage lenders can take up to 30 days to refund escrow account balances to borrowers whose mortgage loans have been paid off. However, if a lender retains a customer 's money longer than 30 days, they are breaking laws. 

Please help investigate this matter and compel Citadel Servicing Corporation to release the fund to me.
Product: Debt collection

Upon my viewing my credit report I noticed a company by the name of Jefferson Capitol System. I am a XXXX XXXX and travel a lot so I am not always able to monitor my credit report. However, I noticed that this company has placed a trade mark on my credit reports and it needs to be removed. I am reaching out to you for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion by Certified Mail Ltr # XXXX that they received on XX/XX/2018. 

Enclosed in this letter was a request to verify the bankruptcy being reported on the credit file associated with my Social Security number. 

I also provide a letter from the United States Bankruptcy Court from the XXXX XXXX of Georgia. This letter indicates that bankruptcy court does not report to the credit reporting agencies. 

TransUnion has failed to state or prove how they received this information, which was in the request that they provide proof of. They just updated the " court type '' on the report versus removing it. If I understand the FCRA, it states in affect that if the bureau can not provide verification of the disputed item they must delete it. 

Also, it is not indicate in the response from TransUnion of this dispute if and why the PACER system would have been used to access information on me that the courts themselves have indicated they do not report.