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

Today ( XXXX XXXX  ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to Experian reporting a Civil Court Record by XXXX XXXX XXXX General District Court from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXXXXXX  and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the XXXX XXXX Property Manager ( XXXX XXXX  ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the XXXX XXXX as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXXXXXX  and I still reside at the property until the end of my lease on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is enabling fraudulent activity into my credit file. I called and spoke with multiple reps who refuse to remove this information. They are stating to me that I need to reach out to each company. That is not what is stated in the fair credit reporting act. Section 611 states that upon a consumer notifying the bureau of inaccurate or false information the company must conduct a reasonable investigation. It does not put the burden on the consumer. I let Equifax know about these unauthorized inquiries on my credit report from XXXX XXXX XX/XX/2020 I do not shop there, XXXX XXXX XX/XX/2020 never heard of them before, and XXXX XXXX is reporting twice on XX/XX/2020 dont know who they are either. They refuse to show me information stating that I gave authorization for these inquiries some of the reps are telling me that there is no inquiries reporting which is a lie because I called back and spoke with another rep who confirmed its presence. As I stated this company is enabling fraudulent activity into consumers information and that is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Checked my credit report and I found that these accounts are not mines reporting to XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit card

Its says my account is charged off but it still shows up on my credit report I want it to be removed.
Product: Mortgage

My home was unlawfully foreclosed on by Caliber Home Loans and XXXX XXXX XXXX XXXXt. The foreclosure should not have taken place as foreclosure paperwork was fraudulent in there was no disclosure of change of ownership. This change of ownership was no disclosed to the court. Additionally this is an unfair debt collection practice by the firm that represents Caliber Home Loans. In the case involving this particular assignment, evidence has surfaced that shows the XXXXXXXX XXXX XXXX XXXX  is in fact not a trust holding beneficial rights to the Defendants loan, but rather it is an undisclosed Participation Agent for yet more undisclosed investors. In essence, the named assignee and Plaintiff in this case, XXXX XXXX  XXXX, XXXX. as Trustee for XXXXXXXX XXXX XXXX XXXX  is nothing more than a sham
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX  as a Charged off account. I informed her I had written a collection validation letter to XXXX XXXX  and wanted them to validate this debt showing up on my TransUnion credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX  to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with TransUnion. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.
Product: Debt collection

In XX/XX/2020 I paid {$500.00}. I have a balance due of {$1900.00} after paying the {$500.00}. Prior to XX/XX/2020 I made smaller payments ; I lost my job and I was unable to make the payments. I called on XX/XX/2020 to make a payment and I was told I would have to make the payments to a collection agency in the amount of {$2300.00}. 
I asked to make monthly payments to cover the amount for {$1900.00} but they would not accept it. I believe the sent the debt to the collection agency prematurely and that they should work with me to continue paying on the debt. 
They destroyed my credit rating ; and the payments would have been made in larger amounts now that I have a job. 
Companies involved : XXXX University, XXXX XXXX XXXX XXXX, XXXX, MD XXXX
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 Experian and XXXX must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I need your assistance to address this incorrect account on my credit report. I am concerned because this has harmed my reputation, and I need your support. Your mishandling of my credit report has devastated me, and your inaccurate reporting has damaged my reputation. Please remove these mistakes so I can live peacefully with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I challenged DiTech Financial reporting of my mortgage delienquency dates. They have been reporting XX/XX/XXXX as the date of first delinquency which was incorrect. It was my belief that the date of first delinquency was in XXXX. 

I received a letter, which I have attached to this complaint for Ditech stating that they were in error, the date of first delinquency was XX/XX/XXXX. Letter is attached to this complaint. It was sent from there XXXX XXXX offer by the legal department. 

Yesterday, I pulled a copy of my credit reports, and the information still has not been updated at any of the bureaus. In my discussions, they stated DiTech has not provided the new information. 

I would like DiTech to honor their commitment as stated in their official response to me and update the information on my credit reports to all three bureaus. It has been 5 months and the information still has not been updated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sir/Madam, I am writing to request a reinvestigation of the following item ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you for your prompt attention to this matter. Sincerely, [ Your Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

The car didnt work I was left on the side of the expressway due to the hood flying up on me. When I called the company they said it was nothing the could do. Also the company states that they dont have a record of me but the has reported this collection on my credit report without my permission and thats unlawful.
Product: Debt collection

This company is trying to collect {$98.00} and {$1200.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit card

Report fraud transactions to Bank of America. Credit Card was closed by them and refused to reimburse unauthorized transactions even though I submitted a police report. 

Police report from XXXX Police Department : Police Report # XXXX printing a copy of this report, you may go to XXXX Police Headquarters, Records Unit, located inside the Main Lobby, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently made sure payments are made on time for this account, avoiding any instances of overdue status. I'm uncertain about the rationale behind the emergence of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

Dear Officer, I recently found that my XXXX account was stolen and two ClearviewFCU MC Platinum Credit cards under my name have been added in my XXXX account, but the two credit cards are associated with identity theft and fraudulent applications, I have never applied any credit cards from ClearviewFCU. I have contacted ClearviewFCU to cancel the two cards but since I do not have any accounts with them, they were failed to verify my identity. I was wondering what should I do next to cancel the cards and if you could do anything to help. Thank you very much!
Product: Credit card or prepaid card

I made a promotional purchase of {$3300.00} two years ago, saying Synchrony Credit Card Interest Free with big letter on XXXX XXXX promotion sign. Then I applied and started to pay it back each month. In XX/XX/2019, after 24 months from then, only {$1400.00} remains on balance. However, starting from last month, Synchrony Bank was charging me additional {$2100.00} dollars interest, saying it is the 24 month deferred interest, which I was never unaware of. 
I was never given notice about the deferred interest of {$2100.00} before it appeared on my bill. No one informed me about this from beginning and during payment period. What I received is just an email eStatement monthly, showing how much remaining balance and the due date. There is no any indication about 24 months payoff requirement. And it is my first time to hear about the term of " deferred interest ''. 
Therefore, I felt being misled by the promotion of " interest free '', instead of " deferred interest ''. 
I have a good credit score history and never miss any purchase/credit card payment. However, this time, I feel unfair about the {$2100.00} interest from a mere total {$3300.00} purchase. If I was clearly told about the deferred interest at the very beginning, I would not apply the card at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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

I am filing a formal complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial reputation and emotional well-being. 

Violations : Denial of Access to Credit Report : TransUnion refused to grant me access to my credit report despite providing valid identification, including a utility bill, drivers license, and Social Security card. This violates FCRA 609 ( a ), which guarantees consumers the right to access their credit report. 
Reporting Inaccurate Public Records : A dismissed bankruptcy ( Case # XXXX ) is inaccurately listed in my credit report. Dismissed bankruptcies provide no debt relief and should not harm a consumer 's credit. 
Failure to Investigate Disputed Accounts : I disputed several accounts on my credit report, but TransUnion failed to provide documentation validating these accounts, including : XXXX XXXX XXXX : A collection account. 
XXXX XXXX XXXXXXXX XXXX : Reporting a balance that exceeds the original credit limit. 
XXXX XXXX, XXXX XXXX XXXX, and others. 
Harm Caused : Denied access to credit due to inaccurate reporting. 
Financial losses from higher interest rates on existing accounts. 
Emotional distress and damage to my credit reputation. 
Requested Resolution : Compensation : Actual damages for financial losses : {$10000.00}. 
Statutory damages under FCRA 1681n : {$1000.00} per violation.

Punitive damages for willful noncompliance.

Corrections : Immediate removal of the dismissed bankruptcy and unverifiable accounts, all inquiries which I did not authorized. 
A detailed explanation of the source of inaccurate information. 
Proof of Compliance : Documentation showing how TransUnion will ensure compliance with the FCRA moving forward.
Product: Credit card or prepaid card

I use Bank Of America for my banking, I use there mobile App to pay my credit card bill, around 1 month ago I made a payment and made a mistake, I accidentally paid XXXX on the bill and only owed XXXX to pay off the credit card, I contacted the bank to get the difference put back into my checking account and they told me if they transfered the money back it would be considered a cash advance and it would cost me XXXX or more in fees, I was told in 7-10 business days the money would be deposited into my account, when that didn't happen I called again and they said they sent out a check for the money, I haven't received it either, the credit that once showed on my credit card is gone and I have a regular balance on it like the money never existed, and disappeared into thin air, I have called them over and over and its like the money in the account never existed, I can't get any help in the 5-6 phone calls I have made and I don't trust them, I have been told everything from 2 billing cycles to it will be in the form.of a check, and now it's almost a month later and around XXXX of my money is nowhere to be found
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following accounts and inquiries were added to my credit file without my consent : Accounts to Be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6300.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$640.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$6500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX 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

I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. The accounts listed below do not belong to me and were fraudulently opened using my personal information. 
I have attached a copy of my Identity Theft Report, as well. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX