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

I checked my credit report from this morning and I am still shocked with the content of the report. There are still inaccurate accounts from my credit report. Please check the documents I've sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX has reported a XXXX XXXXXXXX on my credit report and has not shown any proof of how and when the information was verified ; state laws clearly states that the XXXX XXXXXXXX bankruptcy courts never report or transfer anyone records to any of the Bureaus for any purposes. This is not my bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 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 Company Inquiries : XXXX XXXX XXXX XXXX CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have Experian, XXXX  and XXXX following federal law and remove all information that is inaccurate or incomplete as per the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to respond to my dispute regarding fraudulent information on my credit report. 

On XX/XX/year>, I submitted a complaint to TransUnion concerning a fraudulent account listed under my name with XXXX XXXX XXXX. To support my dispute, I also provided an FTC Identity Theft Report and other relevant documentation. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and respond to disputes within 30 days. However, as of today, TransUnion has failed to provide any response or resolution to my complaint, which is a clear violation of my consumer rights under the FCRA. 

The fraudulent account with XXXX XXXX XXXX remains on my credit report, adversely affecting my creditworthiness. This lack of response from TransUnion is unacceptable and has caused significant distress and inconvenience. 

I am requesting immediate action from the CFPB to ensure that TransUnion complies with its legal obligations. Specifically, I am seeking : An immediate investigation into the fraudulent account and its removal from my credit report. XXXX XXXX XXXX XXXX : Account # XXXX Assurance that TransUnion will adhere to the FCRA requirements in the future and provide timely responses to consumer disputes. 
Compensation for any damages caused by XXXX failure to act in accordance with the law. 
Sent Mail Verified Mail Tracking number XXXX Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Mortgage

I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.
Product: Checking or savings account

On XX/XX/XXXX I was contacted about a work from home job by a " recruiter '' for XXXX XXXX. After I went thru the process and was " hired '' I was sent checks that were suppose to go to vendors to pay for work materials to set up my home office. Every check I was sent was either stop payment/bounced or a forgery. Because I used the money my account with Chase got severely overdrawn and now I can not access the account again until I pay the overdrawn balance, in cash. Every action I took was done honestly and just. I have full correspondence with the " recruiter '' and even a phone number he used to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries are fraudulent and were applied for without my consent Equifax XXXX XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX I deposited a check into my account at the Bank of America at XXXX XXXX XXXX in XXXX Colorado. The check was for {$3200.00} and I was told at the time of deposit that that the funds would be available the next day. However the next morning I received an email from Bank of America stating that they were withholding funds until XX/XX/XXXX because there was suspicion that the item would be returned. I found out later that day that the email contained a lie. I came to this discovery because I called the gentleman who wrote me the check and ask him to put a stop payment on the check and write me another check. When this gentleman called XXXX Bank to put a stop payment on the check he was informed that he would not be able to put a stop payment on the check because it had already cleared the night before. I am in a awful situation because I'm under contract to start this gentleman 's job tomorrow morning on XX/XX/XXXX and I have no money to start it with and Bank of America holding my money and will not release it under any circumstances I spent the entire day on the phone with customer service reps at Bank of America. With no resolve I've also emailed mr. XXXX as well as some other lady named XXXX XXXX at Bank of America asking for their help I have yet to hear back from them please help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 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 inaccurate 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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to bring to your attention an inaccuracy in the reporting of my account with XXXX XXXX. According to my credit report, there have been instances where I have been reported as late on this account. However, I want to clarify that I have never been late on payments for this account. 
I request that you remove the late payment reporting from this account and update it to reflect my accurate payment history, which is consistently on time and current. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD I urge you to conduct a thorough investigation into this matter and take the necessary steps to correct the erroneous information on my credit report. Furthermore, I request that a full credit report showing these deletions be provided to me after the investigation has been completed. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Recently I received a copy of my credit report, upon reviewing my credit report I noticed XXXX XXXX XXXX XXXX had reported derogatory remarks to my credit report, XXXX hadn't sent any notice and failed to apprise me of, and afford me of my right to dispute and challenge such negative information being communicated to any third persons, per 15 USC 1681s 2 ( a ) ( 7 ). I had no knowledge of this account neither did I have an account with XXXX XXXX XXXX XXXX. 

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX   XXXX a debt validation letter in accordance to Texas Finance Code 392.202 ( see attached validation request ). On XX/XX/2018 and again on XX/XX/2018 XXXX XXXX XXXX   XXXX sent me a computer generated printout as an alleged verification of the alleged debt XXXX XXXX XXXX XXXX   alleges I owe, ( see attached printout ). 

On XX/XX/2018 I again communicated with XXXX XXXX XXXX XXXX via Certified Mail, ( see attached letter ),  exercising my rights under 15 USC 1692g ( a ) ( 5 ) I requested the name and address of the original creditor, my request for the information of the original creditor is not time barred and XXXX XXXX XXXX XXXX willful noncompliance has hindered my rights to obtain information of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/year>
Product: Student loan

I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.
Product: Debt collection

I received a call from Paramount Recovery regarding a possible medical debt. I asked the rep on the phone if they could provide a debt verification letter. The woman refused and put a supervisor on the phone, who then asked how I was paying to resolve the debt today. I then asked again if I could please have a debt verification letter sent to me via paper mail and was told that is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX XXXXXXXX XXXX reported on my credit report without my knowledge from the credit bureaus. This ground for removal they also violated my rights under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to find out why my insurance rates increased. I was told that the increase was the result of information contained in LexisNexis report. I was instructed that a report could be downloaded from their site for me and my spouse. I submitted my requests via their site and was sent notification by mail to access my information with certain required PINs. The information and PINs received were for both myself and my spouse. We attempted to login using the provided information/PINs and no luck. 
I attempted to contact LexisNexis via phone in XX/XX/2021 but had zero success. I emailed LexisNexis originally on XX/XX/XXXX and a follow-up email was sent XX/XX/XXXX with zero response from the company. I submitted a XXXX XXXX XXXX  complain on XX/XX/2021 and have heard no response from the company. 
I have not received any correspondence from LexisNexis on what they reported to cause increase in my insurance premiums.
Product: Mortgage

I dont even no where to start. My mother in-law that my husband and i own our home with she is being manipulated by SELECT PORTFOLIO SERVICING INC. there is a foreclosure date set for XX/XX/XXXX 5 days from today. 3 of those are weekend or a holiday. She called on the XX/XX/XXXX. and was told the request went in to postpone while her complaint was being reviewed. she has been calling every day since that day and is told to call back. She received 2 letters stating that her review would not be completed before the sale date. one dated XX/XX/XXXX and the dated XX/XX/XXXX. i came home to her crying last night. we have know where to go .She is XXXX years old this stress is way to much We spoke SPS again at XXXX XXXX this morning we were told they same thing i was on the line with her. they said it was sent in for postpone but she really was lying to us. she said call back on Saturday Monday is a holiday. I took the day off work to try and help with all of this. 
XX/XX/XXXX we spoke to QUALITY LOAN CORPORATION the acting foreclosure company on our home she sated no postponement had been requested and the house set to be sold on the XX/XX/XXXX. We have a letter dated XX/XX/XXXX that states no foreclosure will be held during this time. The appeal has been sent SPS along with this complaint. to them .This has to stop date manipulation so nobody has time to do anything or no other options have been given. 
XX/XX/XXXX we were told that the preforeclosure check was approved when my mother in-law asked what that meant the lady got super upset. Which leads us to believe they have no intentions of stopping the sale. They are moving forward during our appeal time. so they can just sale they have not given us any non retention offers except to get out. We are appealing a denial we received for a loan modfication which states we did not complete the paper in a timely fashion. Which is false.Im asking for help we can not possibly move out and find a place this quickly. The date manipulation is crazy that is going on with this company. We called agin this morning and they are very stern and are saying that we need to call back again later today.We feel they are rushing to complete our complaint so they do not have to postphone the sale i even heard the department say we are going try and this done before the XX/XX/XXXX so they can go to sale but the letter say something different which iwill upload. My husban and i are on title to this property have always been since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.
Product: Credit card

I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!
Product: Credit reporting or other personal consumer reports

Catch XXXX situation, Ive paid off XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  and my credit score goes no where, I do a credit inquiry, my score drops XXXX points immediately. You cant win with these people.
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 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 : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : 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 CREDIT BUREAU 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 or other personal consumer reports

I am disputing an inaccurate account listed on my credit report with Experian. Despite my previous attempts to resolve this directly with Experian, the account remains on my report, negatively affecting my credit. 

Account Details : Account Number : XXXX Creditor Name : Radius Global Solutions This account does not belong to me, and there is no documentation verifying its accuracy. Ive requested its removal from Experian but have received no resolution. 

I am aware that the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence during disputes. In light of this, I am invoking 15 U.S.C. 6802, which mandates consumer reporting agencies ensure the accuracy of consumer information.

I request your assistance in ensuring Experian removes this inaccurate account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, Equifax XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports XXXX, Equifax XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration upon receiving a copy of my updated credit report. It has come to my attention that despite my previous communication dated XX/XX/year> of rectifying the errors and mistakes, the report still contains inaccuracies. This situation has left me feeling both disadvantaged and apprehensive, especially because this inaccuracy is hindering my efforts to secure new lines of credit. Regrettably, lenders have repeatedly rejected my applications based on my tarnished credit profile.