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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have tried to dispute with them XXXX XXXX XXXX  asking me for my dl XXXX ssc which of course did not give them out asked for a contract or any binding information to the account never was written back so i ASKED THE CREDIT AGENCIES AND there reply was the crditor verified as mine or accourate so I called back again and when finally got to supervisor XXXX stated the account is ider default and I will have to make a payment on it I told her I was a victim of identity theft she stated to send the FTC did and nothing they still say its mine
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My loan servicer, SPS servicing, is refusing to remove PMI at the automatic payment termination date. My loan is current, with no missed payments, There is no 2nd mortgage. XXXX is at 77.89 %. Closing docs show last PMI payment is XX/XX/XXXX21 Company is refusing to remove PMI and forcing me to pay for a BPO to estimate value. 

My original loan documents signed at closing show that last PMI payment is XX/XX/XXXX2021. That payment has been made, and I am being charged again in XXXX. Company told me they will not remove PMI without paying for BPO and that they are not required to, and there is no such thing as automatic termination of PMI. 

I have met every requirement for automatic termination of PMI and loan documents show it is to be terminated. They are not abiding by the terms of my loan.
Product: Debt collection

These people are calling my friends and family. I have politely asked them to stop, because I talk to them whenever I am available.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ersonal Statement dear Equifax this is a self-attestation that I am victim of XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX. These fraudulent accounts consist 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

In accordance with the Fair Credit Reporting act XXXX  ( XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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.
Product: Money transfer, virtual currency, or money service

Frontier airlines denied our claim after we canceled a flight and had trip insurance. We are entitled a refund {$770.00}
Product: Debt collection

I have removed this from XXXX and XXXX, I was told by outside agencies that TransUnion has been facing fraud issues, the collection agencies : XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX do not have my written consent to have my information, this violates 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 USC 1681b : Permissible purposes of consumer reports From Title 15-COMMERCE AND TRADE CHAPTER 40-DEPARTMENT OF COMMERCE SUBCHAPTER III-CREDIT REPORTING AGENCIES , 15 U.S.C . 1635 Right to Rescind. Each violation is worth 1,000.00 according to State Law. Please remove
Product: Debt collection

I have made several attempts to try and resolve a debt with NCA. I contacted them in writing asking them to validate the debt because I never received anything directly from XXXX XXXX. At one point NCA and another collection agency were trying to collect the same debt at the same time. NCA sent me a letter stating I owe {$2000.00}, but the paperwork that was sent to me as alleged proof shows {$1000.00}. They do not want to communicate in writing, they want me to call. The reason I prefer to have communication in writing is because the one time I did call they threatened to sue me and advised there would be no work out option, and they were calling all the shots. They have called my cell number numerous times with a pre recorded message and no one on the line after I advised them no phone contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done bi my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( XXXX XXXX Visa Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX ) I have sent 4 challenge letters to XXXX  XXXX XXXX  XXXX and equifax  XXXX Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. equifax is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... equifax is reporting ok, XXXX  is reporting a new charge off every month which is killing my score and XXXX  is reporting nothing
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2019 XXXX Price Crash Triggers XXXX BTC  Loss on Poloniex. 

On XXXX XXXX, 2019 Poloniex seize the principal of all Bitcoin lenders 16.202 %. when XXXX crash happened. In my opinion, this is unfair seize for all lenders. I have 3 main reasons below. 

Fisrt of all, the truth is all BTC loans on Poloniex are lent in peer-to-peer margin lending. They had changed their rules suddenly when XXXX crash happened. Poloniex gave the reason to lenders is " All BTC loans on Poloniex are lent in a common pool that is shared across all markets and borrowers '', which is not true. They had just changed overnight for their own win in this situations. 

Second, Poloniex system is flawed and don't have proper automatic liquidations in their margin system. Moreover, Poloniex had allowed XXXX can margin trade by not having a proper liquidation system for XXXX/BTC pair. It was Poloniex fault, not lenders. 

Third, Poloniex said that XXXX BTC loss in the Poloniex XXXX lending pool. ( assuming that it's pool. ) But there is no evidence to prove that XXXX BTC is real loss by lenders. While they had got XXXX BTC  from lenders already. 

In conclusion, I would like to get my BTC back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the XXXX XXXX department for Shell Point Mortgage regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Product: Student loan

I received a letter from XXXX, XXXX XXXX XXXX XXXX, XXXX in regards to XXXX XXXXXXXX XXXX XXXX stating that they wanted to collect on this loan on behalf of Navient. I went to XXXX XXXX  from XXXX to XXXX. I was approached by Navient in XXXX to pay a debt of {$10000.00}. Navient called me night and day and harassed me. They representatives lied and told me that I was responsible for this loan because it was part of my Stafford loan. I was so scared at the time because I did not want to have it affect my credit. They used fear, shame, and annoyance tactic to get me to pay on this loan. I still do not recognize this loan. I made payments at the time under the guise that the balance was part of my Stafford loan. I have 12 federal loans with Navient at the time. When I discovered that I have no recollection of the loan, I demanded a copy of my original loan paper, I never received the original and was told that it was a transferred loan. 

Currently, I have obtained legal counsel and wrote to XXXX, XXXX XXXX XXXX XXXX, XXXX demanding the original loan document and for the statue of limitation of the original document. I do not acknowledge these two creditors and the original loan 's statue of limitation ran out in since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account : XXXX XXXX XXXX
Product: Student loan

To Whom It May Concern, The premise of my ongoing complaint with XXXX XXXX ( a.k.a.,  XXXX, Lender, and/or they ) is that I, XXXX XXXX XXXX, XXXX, am not, nor have ever been, the borrower on the Loan To Learn ( see attached Combined Consolidated Application and Promissory Note ), though they contend, otherwise, without any supporting documentation or legal basis. 

In response, I demand that XXXX acknowledge ( in writing ) my status on this loan as the Student only, that I do not hold any title as a Borrower, and that Im not financially or legally responsible for the  repayment of this note. 

The attached Promissory Note is difficult to read, but is the only copy ( seen to date ) that exists, unless another, clearer, copy can be produced ( which has been requested from the Lender, but has not, yet, been fulfilled ). From it, the following can be extracted : Block # 1 STUDENT section, where all my information is stated. NOTE : No financial or employer information is requested or contained in this block, thus proving my status, and point Block # 2 APPLICANT ( i.e., primary Borrower ) section. My father, XXXX XXXX XXXX, XXXX, completed this section, which included all of his employer and salary details. 
Block # 3 APPLICANT ( i.e., co-Borrower ) section. My mother, XXXX XXXX, completed this section, which included her employer and income details Initials In the lower left portion of the Note, just below the last information box, are clearly only two ( 2 ) sets of initials, representing both Applicants ( Borrowers ). These are the initials of my parents, XXXX and XXXX XXXX Signature Block The most discernable part of the Promissory Note, which most strongly supports my case, is my fathers signature as Applicant # 1, my mothers signature for Applicant # 2, and my signature on the Student line.
Product: Credit card or prepaid card

During COVID I wasnt able to make payments on time to my discover card. I spoke with a representative and was told my payments would be deferred due to the exceptional payment history. I was told the account wouldnt be closed and the interest rate would not increase. I was told as long as I keep in contact during the process everything would be ok and just make payment once Im employed again. Weeks later my card was closed and the negative account was reported to my credit. After contacting discover I was told someone would give me a call to discuss options to rectify the situation. I received a call from someone asking to make payments with a prepaid credit card. I then called Discover to verify the caller and I was told someone would follow up, I never received a call so I called back to have the issue resolved. Upon request I was told the interest rate and late fees would be forgiven equaling to a settlement of {$1800.00}. My initial payment was {$80.00} and would be automatically withdrawn. The next month the payment was not deducted and this usury has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted a three credit bureaus and most recently TransUnion to get my credit unfrozen and unlocked due to someone else accessing my account and chancing my information. And it keeps locking me out and most recently on XX/XX/XXXX there were memos placed on my credit report with information that isn't mine an a phone number I have never had. I moved to XXXX XXXX and recently had my wallet stolen and it has been a completely aggravating time trying to get my credit reports and credit back to where only I have access to it, even acquiring XXXX to help monitor my credit and my information from getting on the dark web and being used. I have had the most difficult time in an already stressful and difficult situation. I just want my credit reports to have the correct information and only MY INFORMATION and for the credit bureaus to do there job for me, a consumer.
Product: Credit reporting or other personal consumer reports

Formal Notice of FCRA Violations and Request for Immediate Action In accordance with the Fair Credit Reporting Act ( FCRA ), I am notifying you of the accounts listed below that have violated my federally protected rights to privacy and confidentiality under XXXX U.S.C. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpon reviewing my TransUnion credit report on XX/XX/XXXX, I identified incomplete and inaccurate information. According to the FCRA, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of consumer report information, as outlined in 15 U.S.C. 1681e ( b ). 

Additionally, under 15 U.S.C. 1681i ( 5 ), inaccurate or unverifiable information must be addressed as follows : 1.If, after a reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete the item of information from the consumers file or modify it to reflect accurate information.

Failure to comply with these federally mandated procedures constitutes a violation of my rights under the FCRA. I request immediate action to correct these errors and ensure compliance with all applicable regulations.

Please confirm receipt of this correspondence and provide an update on the corrective measures being taken. I look forward to your prompt attention to this matter.
Product: Mortgage

PHH Loan number XXXX My mortgage payment is less than 10 % of our monthly income not to mention we could go liquid with assets over {>= $1,000,000}. 

Explain to me how my income is insufficient for the amount of credit requested? 

Im requesting all appraisals and other written valuations used in connection with my application. 

Im shocked that i was discouraged in applying for credit by your company after receiving federal public assistance from taking a short forbearance on my mortgage. As you know when we realized we could go back to work i paid my forbearance in full. 

The FTC states that our application should have been accepted our rejected within 30 days of filing our application.

Your company has damaged my credit score, by delaying our processing you have not acted in good faith and we have lost investment opportunities due to your delay in processing. 

if others have received credit from PHH mortgage with similar income, age than you have discriminated under the Equal Credit Opportunity Act. It is apparent that by delaying my application PHH Mortgage benefited by us having to pay a higher interest rate mortgage your company is presently serving. 

I will be reaching out to the Federal District court regarding Federal Trade Commission - Equal Credit Opportunity Act and to The State of Texas Attorney Generals office. 





From : XXXX XXXX XXXX, XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX  CDT To : XXXX XXXX XXXX XXXX : " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX, " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX, " XXXX '' XXXX, " XXXX, XXXX '' XXXX, XXXX XXXX XXXX, " XXXX '' XXXX XXXX " XXXX, XXXX '' XXXX, XXXX XXXX, XXXX '' XXXX Good morning XXXX, The email youve received regarding the insurance policy was a mass email sent out by our Insurance Team that had our names prepopulated on it! 

This has already been updated and no further action regarding this is required. 

I apologies for the delay, I understand this process has been longer than we wanted. We truly appreciate all your time and cooperation. 

XXXX XXXX XXXX XXXX Loan Processor Toll Free : XXXX
Product: Credit card or prepaid card

Chase Visa card prints entire account number rather than just the last 4 or 5 digits on bills sent through the mail in envelopes with cellophane windows. Anybody picking up a dropped envelope can get the account and use it. ( Thieves know how to break into systems to get the security code and expiration date. ) This is therefore a needed protection. Almost every financial company except Chase has this type of protection. I'm told it's not a law, but I think it needs to be, considering that ID theft is a multi billion dollar industry!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has refused to remove inquires that were not authorized by me. They have said they have done investigations but this is a complete lie! This is illegal to report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Fortiva and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. XXXX XXXX has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, Fortiva has an account for {$500.00} and XXXX has an account for {$2000.00}