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

Dear to whom it may concern, Defendant XXXX, XXXX and Trans Union is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX and Trans Union failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b )   and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to Transunion, XXXX, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported : XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : XXXX XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Credit reporting or other personal consumer reports

XXXX XXXX  requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!
Product: Debt collection

On XX/XX/XXXX I sent Midwest Recovery Systems a certified letter disputing a pay day loan that I really don't recall. I ask them to send me evidence of this loan and the amount. It is on my credit report in the amount of {$2400.00}, I have never received a pay day loan with high of an amount. Midwest Recovery Systems said they are collecting for 12 XXXX  on my credit report. On my credit report it says the date opened XX/XX/XXXX on XXXX  and XXXX on XXXX  and XXXX  . I have never received a letter from this company about this debt. And they are continually to report this debt on my credit report, like every other week.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX BELOW IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
Equifax is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home
Product: Money transfer, virtual currency, or money service

I ordered shoes from this instagram seller for {$110.00} on XX/XX/XXXX and when i asked for a refund because i realized it was a scam i got left on read.I already tried calling chase and they said all they can do is make a complaint and that if they get the money back theyll give it to me but she told me it wasnt likely so i read about regulation 5 and was wandering if i could get my refund.
Product: Credit reporting

Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before
Product: Credit reporting or other personal consumer reports

I am writing again this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Mortgage

Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.
Product: Student loan

Mohela keeps putting my loans into forbearance without my consent. This keeps setting me back further from student loan forgiveness. I work for a non-profit, and every time my loans are placed into forbearance, several months are not being counted toward the 120 payments. Also, I have submitted both my current job and previous job for student loan forgiveness, and they have not added my previous job to count towards my 120 payments.
Product: Debt collection

I have been having over-and-over a report placed on my credit report as a collection for {$1300.00}. I contact the credit bureaus and they re directly to contact them. Which I do so and I contact XXXX XXXX XXXX and request the actual application signed by me at the time I supposedly enter the emergency room or some type of documentation with my signature on it and they failed to provide it, instead, they sent one 's again the bill only without any information that proves that I did in fact obtain XXXX XXXX. I contact them several times and no resolution, instead, they were hostile toward me and told me I will be sued. I demand them to provide the information and they fail. 
This is hurting me and causing me a great deal of stress unnecessary. Someone needs to take action against this type of collector trying to collect money from people fraudulently, threateningly, and with hostile verbal abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

On XX/XX/XXXX I sent certified mail a letter to Midland Credit Management asking them to validate debt and to sent additional information I requested in my letter 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5.  Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8.  Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. On XX/XX/XXXX I received a response stating they have their account notes and found their information to be correct. They have failed to validate this debt under the FDCPA and are reporting false information to all three credit reporting agencies. They claim this debt was sold to them on XX/XX/XXXX but according to my credit report they are reporting it was placed for collection XX/XX/XXXX. Even their reporting dates are incorrect. On XX/XX/XXXX I sent them certified maill a letter notice of their failure to validate debt. You have not provided a signed contract showing my liability by corresponding my Social Security with my signature. They have not shown me the agreement with their client ( XXXX XXXX  ) that grants them the authority to collect on this alleged debt. They have yet to respond to that letter. They are reporting to all three credit reporting agencies.
Product: Checking or savings account

I opened up a XXXX checking account to take advantage of a XXXX account opening bonus. I opened it on XX/XX/XXXX, fulfilled all the requirements by setting up direct deposit on XX/XX/XXXX and had cumulative direct deposits of over XXXX within 60 days of account opening. 

They only disclosed that : The offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. 

I had a previous checking account but had closed it in XX/XX/XXXX ( over 12 months prior to opening up this one ). 

The bonus was never applied. When I called to inquire, TD informed me that the offer was only good if you had NEVER had a checking account with them prior. This was never disclosed in any of the promotion or opening documents.
Product: Credit reporting or other personal consumer reports

I had XXXX mortgage companies do a hard credit pull within the XXXX  days from Experian and they where all pulled on XX/XX/XXXX and XX/XX/XXXX of XXXX. Under the fair act I am under the understanding that those pulls were only to count has XXXX group and not individually. My credit score with Experian was XXXX when those mortgages where pulled. I checked my Experian account and my score dropped down to a XXXX. That is a drastic hit to my credit score. I emailed Experian and asked and informed them that I had a XXXX  day window to have the mortgage companies do a hard credit pull which all three where pulled between XXXX XXXX XX/XX/XXXX of XXXX. I contacted Experian on XX/XX/2023 and I was emailed back XX/XX/2023 saying that they do not know why my credit score dropped. I feel that they missed used my credit reporting and that this is not fair due to that I have a XXXXday waiting period. i have proof of what my credit score was before and what it is now with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XX/XX/XXXX , I have been exhausted trying to communicate with  XXXX   XXXX   ( currently   Navient ) regarding my excessive student loans ( {$95000.00} ) I have written letter and made numerous phone calls an d I c ontinue to be unsuccessful in my efforts. My most recent request was faxed to Navient and included specific documentation from my credit report on  XX/XX/XXXX  and I  received an email which stated that I would receive a response withi n 5  business day. Not only did I not receive a response, I received a letter that my loans have changed and I know have a monthly payment of  XXXX . Part of the issue is I have a mixture of private loans and Federal loans and I was n't aware that they were not consolidated until I began to check my credit report to obtain a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

This my 3rd attempt to fix this issue with EQUIFAX and I am more than prepared to take the next step which take them to court and sue for all punitive damages that this has caused me. The Following accounts are FRAUDULENT and have been proven to be Fraud and per the FCRA section 605b should been blocked and or removed from my credit reports which EQUIFAX lied and claimed they had done. My scores are XXXX  XXXX XXXX  XXXX EQUIFAX XXXX ... .the disparity between the 3 bureaus clearly exposes EQUIFAX and their shady credit reporting tactics and failure to follow in set forth : XXXX XXXX ACCT # XXXX {$5800.00} XXXX  XXXX XXXX  XXXX ACCT # XXXX {$200.00} They reported XXXX  XXXX late after showing the account as closed and now they are reporting it as an active account with a {$200.00} balance ... I have never had a XXXX XXXX   XXXX account!!!!
Product: Mortgage

My husband and I have 2 mortgages with Freedom Mortgage on the following properties below. My husband XXXX XXXX called to ensure the XXXX XXXX XXXX  Policy for XXXX XXXX would be paid and somehow spent an hour of his life with incompetent people in the servicing department. We have had issues with Freedom Mortgage since the inception of this loan and have sent various letters concerning both insurances, escrows and refunds. I received the attached letter on changes made to XXXX policy. My husband never called to make changes to the XXXX property. I want to make sure that there are XXXX policies on XXXX XXXX XXXX XXXX NC XXXX for ( XXXX XXXX XXXX XXXX XXXX and ( XXXX ) Homeowners Insurance and that they are both paid with the escrows as required. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX XXXX and there were no changes requested for this property XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has XXXX Policies ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting

The Credit Reporting company, XXXX XXXX XXXX ( XXXX ) credit card services, intentionally reported my payment status to credit bureaus as 'Unknown ' rather than PAID ; Simultaneously, said bank intentionally removed the value of the subject credit card 's 'revolving credit limit ' thereby 'Negatively decreasing my Credit Score '. These simultaneous negative Credit Card reporting actions by XXXX created an 'illusion whereby any revolving credit usage on behalf of the consumer would provide false percentage of total usage '. The above-mentioned 'diabolical scheme ' surfaced when the consumer PAID IN FULL the balance of XXXX Credit Card nearest the statement cycle closing date and the consumer did not opt to use XXXX 's offer of free FICO Score services. XXXX reported the consumer 's credit card as OPEN with zero balance while 'knowingly removing the revolving credit limit field and while changing the Staus-Field of the credit reporting to 'Unknown ' ; This field had always been reflected as PAID by XXXX as the consumer was NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to open a new bank account denied because of a report from chexsystems containing fraudulent information of credit or bank inquiries not me but identy theft preventing me from opening a new bank account with applications for bank accounts and credit not by me therefore blocking me from opening a bank account as tey say deny to the banks
Product: Debt collection

I never gave authorization to be added to this account, please remove me as an Authorized User and remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXXXXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that 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 an account without my written instructions.
Product: Credit reporting

I only have XXXX credit card with XXXX. XXXX cards with XXXX different balances are showing up. one needs to be removed
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been a victim of identity theft where accounts were fraudulently added to my credit report. Some accounts were removed and added back years later as well as new accounts being added that were opened and never reported for years. I have contacted each credit bureau with proof of police report starting XX/XX/XXXX up to the recent last police report in XX/XX/XXXX these updated accounts still showing on my credit report. As of XXXX, there are several accounts that have not been removed, and no proof of a signed signature or contract has been sent to my address. It has takes over 60 days to get a response back from these credit bureaus and the option to dispute online has been restricted.