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

I've been tryin to remove incorrect information from my report over a year now. 
I have account XXXX on my report that shows : First of all, the dates of an activity are years apart. XXXX shows XX/XX/XXXX, TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. Based on above information, one of the dates may be correct, but XXXX  others obviously not. Or maybe all XXXX are incorrect. This information is inaccurate and violates my rights. 
Second, if the dates of a last activity are XXXX and XXXX then how is possible that on XX/XX/XXXX XXXX reported positive activity? 
XXXX did not delete this mistake when I was trying to solve it last year. Instead they asked me to contact creditor. 
I did contact the creditor and haven't received any proving information from them. 
Last time I sent letter to XXXX in XXXX and they haven't responded ( see attached Return Receipt ). 
So now I'm being kicked from one to another wasting my time and nerves. 
I need a help of authorities in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

My credit Reports with XXXX, XXXX, and transunion all have credit inquiries that I did not authorize Inquires are listed below 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

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks Inquiries 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
Product: Student loan

XXXX XXXX XXXX XXXX XXXX is the servicer of my student loan XXXX. I am XXXX. In XX/XX/XXXX there was a judgement placed on my home without my knowledge.I know there is a case going on now in court. I want to know what is the status on this case because I need the judgement removed from the court records. I need my home refinanced at a lower interest rate because i am on a fixed income. Thank you very much,
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Product: Debt collection

Wells Fargo Dealer Services is giving false credit information about me to the credit reporting companies, XXXX, XXXX, and XXXX in flagrant violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

1. Funds transferred in 2 tranches via Western Union app to transfer funds from XXXX XXXX XXXX Account in XXXX but the money was not received by the mentioned recipient for 10 months and WU is not responding lately. 
2. 1st tranche was of {$5000.00} made on XX/XX/2022, XXXX XXXX XXXX 
3. 2nd tranche was of {$4500.00} made on XX/XX/2022, XXXX XXXX 4. Called Western Union customer care between XXXX - XXXX to check the status of transfer but they only claimed the the amount is transferred to XXXXXXXX XXXX  in XXXX but did not receive conformation of the amount credit to the mentioned recipient. 
5. Western Union Customer service rep provided RRN 's which are no good to trace funds within XXXX. 
6. Filed a complaint to aroc.errorresolution@westernunion.com and received CASE numbers XXXX & XXXX for both the transactions respectively. 
7. After 10 days of follow up with Western union customer care, I get to know the amount is credited to beneficiary other than what I mentioned while filling the details in WU app due to 1 digit entered incorrectly.

8. I requested for refund to WU to which they mentioned wait time is 35 working days. The Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX mentioned the amount is credited to the beneficiary account whereas the mentioned recipient did not receive the funds. 
9. I've been writing emails and making calls to WU but WU says the case is closed and not responding anymore to my emails. 
This is my family 's hard earned money and because of Western Union 's fault I am a loss of money, time and peace for last 10 months. 
** Primary reason I noticed while using WU app is when you mention the beneficiary details the entire account number gets masked and you are not able to review the account information you've entered except the last 4 digits.
Product: Debt collection

There was a fraudulent private student loan taken out under my identity. I filed a police report and the investigator confirmed it was identity theft. I notified the creditor " XXXX '' and the XXXX credit reporting companies but nothing was done until XXXX after the credit repair company I hired sent the credit reporting companies the police report did they remove it from my credit report. After it was removed, creditor XXXX sold the loan to debt collector National Enterprise Systems even though they were fully aware I didn't acquire the loan. I advised National Enterprise Systems to provide me evidence that I owned the loan. The promissory note they emailed me indicated they forged the document by adding my name and other information using a pen because the form was barely readable. The promissory note also has the wrong birthday and social security number. I was then notified this morning XX/XX/XXXX that National Enterprise Systems reported the fraudulent student loan to XXXX with an additional {$100000.00} added to the original amount it was reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I am who I am fact. I am the original creditor and Citi has violated Federal Regulations during Covid 19. Pursuant to the FCRA 623 - 15 USC 1681s-2 ( F ) ( i ) ( II ) ( bb ) I was never late and this item is supposed to be counted as current pursuant to 15 USC 1681s-2 ( ii ) ( I ).

There are also multiple billing errors that I noticed under 15 USC 1666 ( b ). This has defamed my character during tough times while I was fighting my heart out during college and Covid. 

Citi, XXXX, XXXX, and XXXX has had complaints filed against them and I hope you can help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion at least five times in the past two months.They have refused to correct the info on my credit report which is affecting my scores. The people working there are rude and incompetent and they are not doing their jobs. 

My credit card companies XXXX XXXX XXXX  and XXXX XXXX   have both contacted them and given them the correct balance and credit line information yet they refuse to do anything about it. I have been rushed off of the phone, hung up on and even threatened with my account being removed from their report which would affect my score. 

It has been more than 30 days since I submitted my disputes and nothing has changed even though XXXX  and XXXX  both have the correct info. This is creating a very stressful situation for me and I am very concerned as even though I have a high credit score, I need access to lines of credit and these inaccuracies and lack of up to date reporting are affecting my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Also please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft.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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

XXXX  XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXXXXXX XXXX  XXXX : Account number : XXXX, Update this account quickly. 

XXXXXXXX XXXX  XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the XXXX, and the XXXX. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!
Product: Credit card

I am bringing this matter here because attempt to resolve this issue by filing claim for unauthorized transaction was denied on the basis of unfounded statement from the payment system where the unauthorized transaction occurred. I observed unauthorized transactions linked to a payment system account, XXXX XXXX, that I opened but had not used in a long while. I reported these cases, and other financial institutions had resolved the issue and issued refunds except this Wells Fargo credit card. The case number opened when I filed for the claim was XXXX, and the dates and amounts of unauthorized transactions are : XX/XX/year> - {$250.00}, XX/XX/year> {$51.00}, XX/XX/year> {$200.00}, XX/XX/year> {$150.00}, XX/XX/year> {$200.00}. It appears the financial institution have not way of addressing unauthorized transactions and are incapable of protecting a consumer from fraudulent transactions hence decide to deny the claim to be an unauthorized transaction.
Product: Credit reporting or other personal consumer reports

Im requesting to credit bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Mortgage

My loan was transferred from XXXX XXXX  XXXX to Mr. Cooper, effective XX/XX/XXXX in which it was noted that my loan payments, including my PMI escrow account was fully up-to-date ; I don't have insurances or taxes taken out, only PMI. However, on XX/XX/XXXX Mr. Cooper failed to transfer my PMI escrow payment of {$140.00} to my escrow account causing it to be short. As a consequence in XX/XX/XXXX they started charging me an extra {$11.00} ( sometimes {$11.00} ) each month for a year to make up the difference. Throughout the year they continued to make mistakes trying to cover up the initial mistake but instead kept compounding the problem. ( See the attachment showing every loan and PMI escrow payment made based on my loan statements and personal bank account ). As a result as of XX/XX/XXXX Mr. Cooper has an extra {$280.00} in my PMI escrow account by their own records that state over the last 12 months I paid {$1900.00} but only owe {$1600.00} for the next 12 months. {$1600.00} is the original amount I was to pay according to my loan agreement. So they owe me an escrow refund of {$280.00} ( {$140.00} for the missed transferred payment and {$140.00} for the extra I paid over the last year ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and remove them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/ Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

On or around XX/XX/2021, I wrote two checks. One for XXXX XXXX in the amount of {$120.00} and one for XXXX XXXX  XXXX XXXX in the amount of {$270.00} on my Wells Fargo checking account. Someone stole the checks from my mailbox and was able to cash the checks and receive the funds other than the companies named on the checks. I called the bank to place a claim and report the incident. The bank refused to tell me where the checks were cashed, and told me I should report the incident to the XXXX Co. Sheriff 's Office, which I did. The bank also stated I could not file a claim to receive the funds back until the thief was apprehended. I also reported this incident to the US Postal Inspection Service and the Maryland State Attorney 's Office. My concern is why wouldn't Wells Fargo tell me where the checks were cashed and why must I be responsible for and not compensated for the weak internal controls at Wells Fargo or some other bank that allowed a thief to cash two checks intended for utility bills.
Product: Mortgage

I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Vehicle loan or lease

My car was originally leased to XXXX XXXX XXXX  but was transferred to green Road Finance with no knowledge to me. Im XX/XX/2023 the repossessed my car out of a private underground parking structure this parking structure is permit only they never received permission from landlord or manager on site to enter the parking structure. When I went to pay to get my car back at XXXX XXXX XXXX they refused to give me a receipt and my birth certificate was missing out of the glove box.I called green Road Finance they refuse to recover a receipt for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt or credit management

My credit score is poor because this company listed as the factor. I never used them. I contacted them and was told that they dont have me ( my SSN ) in their system. I dont understand why it shows on my credit report that I owe them {$560.00}. Please take this out of my report. I have no delinquencies.