23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I Have asked TRANSUNION to take off this derogatory information for quite a while and they continue to allow DEBT COLLECTORS to become an unauthorized user of my private non-public information, which is according to the XXXX a violation, also this is called IDENTITY THEFT pursuant to XXXX. These CREDIT REPORTING AGENCIES HAVE GOT TO STOP THIS. I have over the years allowed this non-sense to continue and I have got to stop letting this crime go un noticed by an Agency that can assist me in doing the right thing. This going back and forth talking to these CREDIT REPORTING AGENCIES, allowing them to run me around in circles has got to CEASE AND DESIST. I did not give my permission for you to allow the entire World to view and delve into my private affairs. It is my information I am the PRINCIPAL and I must put a STOP to the aiding and abetting, DEFAMATION, COMPLICIT, nature of my once being quiet about situations. These CORPORATIONS have got to be HELD ACCOUNTABLE for their negative connotations of Consumers Private Right of Action. I am going all the way, and if these CREDIT REPORTING AGENCIES do not do what I ask then, I will take it to the next level. For more than XXXX DECADES XXXX has sent back Credit Reports Stating that this is a FRIVOULOUS claim and junk. But you will learn who the real money is and who has the real power this year. I am sick and tired of trying to be the nice XXXX, and allow this XXXX foolishness to continue. I have asked for the removal of this negative, erroneous, inaccurate, information and if not we will see what happens next. You are a service provider and that is it. I did not give you permission to bash me the CONSUMER pursuant to XXXX ( XXXX ). I have allowed you to have my information if I take it out of the loop, you will see what will happen next. If it were n't for the CONSUMER where would YOUR CORPORATION BE? Now you want me to send some more information to you. I do not have to provide you with anything else you have had enough of my information to fumble with. This is not Slavery pursuant to the XXXX XXXX XXXX XXXX. Article XXXX especially talks about the protection of women do not tread on my property. This XXXX is my property and it will be defended by any means necessary. 
They are sending me a report say they are not going to re investigate at this time. I need to see what these so called Credit Grantors have sent to TRANSUNION, you ca n't just put random information into my Credit Report without sharing it with me and I do not have to add any kind of statement to my XXXX did n't apply for anything from these people. I have asked that you stop reporting XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, AND XXXX XXXX and you just do n't get it. You need to get on your job and validate and verify as I have asked and send me the correct results if not delete. You are just getting paid to put this erroneous information on the Consumers Report. And you are allowing others to XXXX my Credit report like XXXX XXXX XXXX.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX. And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I re-applied for  a Loan Modification f or the second time in  XXXX   XXXX  and was denied on  XXXX   XXXX ,  XXXX . I appealed that decision and received a letter dated  XXXX   XXXX ,  XXXX  ( see attached ) confirming that denial. Chase continues to assert that no error has been made.     I followed up with a QWR request ( see attached ). A lady from the Executive office called back after 10 days, and I have not heard from her since.     Chase has denied me a loan modification citing that my condo in  XXXX  is not my primary residence and hence that disqualified me from all HAMP programs offered by  XXXX   XXXX . I was also denied because  XXXX   XXXX  does not give forbearance since the condo is a rental condo now. Basically I was denied all and every loan assistance base on high  DTI  but primarily was never considered for loan assistance because my condo is a rental condo. I beg to differ.     I occupied my condo   XXXX - XXXX  . When I did not get any loan assistance, I was compelled to look for a job in another city. The fact that I relocate for a job does not change the status that my home is my principal residence and is still being paid for, maintained by me. Under HAMP guidelines, if I relocated for employment does not change the status of my principal residence. Ever since I relocated for a job and being under prolonged unemployment, I have not been able to purchase another home in another city either. I am a displaced homeowner after the recession o f  XXXX - XXXX .      This is an ongoing issue of continuing negligence on the part of  Chase in processing a HAMP. Chase  refinance my loan at  XXXX  in  XXXX   XXXX . However, I made an additional investment of $  XXXX  with a family loan to gut and renovate the condo. This resulted in the  Condo Valuation  of {$240.00} when Chase refinance the loan in  XXXX   XXXX . The valuation of the property did not go up with market forces from purchase to refinance in just 5 months. Chase abused the inflated valuation of  XXXX , and chose not to do a valuation when I applied for a loan mod in  XXXX   XXXX  because the effect of the recession would have impacted the valuation and if they sent me a valuation then, I would have had an opportunity to point out that the high home equity that now was far above  XXXX  of the mortgage basically included a separate investment to gut and renovate the condo.     Chase deceived me and preferred to use an inflated valuation of  XXXX  instead, and used my Home Equity percentage to deny me a loan modification in  XXXX . I bring this up to demonstrate a continuing pattern of negligence and receipt.     I have been denied access to cheaper credit that was offered via a Federal program.
Product: Mortgage

On XX/XX/year>, Mr. Cooper, the loan servicer for my mortgage account ( Loan Number : XXXX ), purportedly sent a Demand Letter regarding foreclosure proceedings. However, I have not received this letter. I have received only a first-class mail tracking notice indicating that the letter arrived at the final postal location on XX/XX/year>, but was not delivered to me. The tracking status notes Arrived at the final postal location prior to delivery ( distributed to XXXX route ) and does not confirm delivery. 

On XX/XX/year>, Mr. Cooper responded to my inquiry stating that the Demand Letter was sent and asserting that the foreclosure is valid. However, the response did not address the fact that the letter was not delivered to my address, as required by XXXX law. According to XXXX XXXXXXXX XXXX XXXX, foreclosure notices and demand letters must be sent via certified mail, return receipt requested. 

In response to Mr. Cooper 's communication, I sent a formal letter on XX/XX/year>, requesting certified proof of mailing for the Notice of Default and the Demand Letter. I also requested that foreclosure proceedings be halted, my loan account be reviewed for a guaranteed loan modification or deferment, any associated fees or penalties be waived, and negative marks on my credit report be removed. 

Given the situation, I am requesting that Mr. Cooper provide the required certified proof of mailing within 15 days from the receipt of my XX/XX/XXXX letter. Failure to provide this documentation should result in the cessation of foreclosure activities, correction of my loan account, and removal of any negative credit impacts. 

Actions Taken : Requested certified proof of mailing for the Demand Letter and Notice XXXX XXXX. 
Requested halting of foreclosure proceedings, loan account review, waiver of fees, and correction of credit report. 
Sent formal letter on XX/XX/year>, outlining the requests and deadlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just tried to submit a dispute with Experian credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... XXXX XXXX XXXX XXXX ... that is reporting as delinquent. I purchased something from this company back in XXXX of XXXX I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my Experian report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.
Product: Mortgage

XXXX changed story multiple times on an existing loan parameters. With misrepresenting along the way, I decided to pay the loan off. However Charged a late fee when XXXX wire payment was made in advance. Servicer decided to NOT apply payment and levied a {$1700.00} Default interest for a {$2200.00} payment payable XX/XX/2022. I sent proof of payment wire from XXXX XX/XX/XXXX in the loan amount billed. Furthermore, I have email evidence that NO APPRAISAL would be necessary if I did an extension on the current loan. However, XXXX went and ordered an appraisal and claims in documentation which says " may '' but I relied on the email from XXXX to confirm the costs of the extension. that was an additional {$550.00}. Prior to that, I was steered into setting up a new line of credit which cost me over {$2200.00} with the idea I could move the asset into that new line of credit. After being told I would be subject to origination fee of 1.75 % and legal costs and appraisal, I decided that would not make economic sense and did not see fair to treat an existing loan with current lender as if it was a 100 % new deal. They levied additional fees which are sunk costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to KEYBANK -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 KEYBANK - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 XXXX  XXXX ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 XXXX  XXXX - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been updating my credit score and giving me proper credit I deserve. My score does not increase if I pay balance off or anything. My score has been the same since XX/XX/XXXX an I have paid accounts off. Im not getting proper credit score rating an feel discriminated against by equifax. Equifax has paid XXXX balance accounts under negative accounts when balance was paid before contract ended. I have a paid for car loan that I never paid late on in 5 years and my paid off car says closed account an under negative accounts. Equifax is allowing a collection account to keep changing names just to keep a current date. The date updates as if I opened collection account in XXXX XXXX. That collection account is from XXXX an has been sold numerous of times. All the creditors that collection account been sold to is on my credit report in closed accounts or collection. The collection account went from {$250.00} dollar balance to XXXX something over the years an keep updating in different names and newer dates. Please make equifax fix my credit report and place positive and negative accounts where they should be. Also equifax does soft credit checks on my credit report from equifax without my permission.
Product: Credit card

Over the weekend, XXXX someone tried using my credit card with XXXX bank for a {$600.00} purchase on XXXX 

Now, someone used my information to open up a credit card with capital one
Product: Credit reporting

My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was the victim of identity theft. An unknown person or person ( s ) phished my information via email by fraudulent means. This email I received said it was from XXXX and that I needed to verify my identity with XXXX. This email turned out to be fake, however, my credit card information wtih XXXX was compromised and it was used to make purchases between XX/XX/XXXX and XX/XX/XXXX. I reported this to XXXX and to Capital One. Capital One reported a 30 day late mark onto my credit in XX/XX/XXXX even though these charges on my account were not mine and is refusing to remove the negative mark on my credit. I want this 30 day late removed from my credit report on all 3 bureaus immediately.
Product: Credit card

OK, Capital One Has a Colored Picture of my Drivers License back in XXXX or XXXX of XXXX both sides. Now they wanted my new one it's the same as the other on and has the Very Same Info and same name & address So, I tried over XXXX times to do just that! At my Bank. They claimed it was too blurry most of the time then other reasons, meanwhile, I got their bill of all FEES {$67.00} for the month of XXXX last Month I sent them {$37.00} and I Do Not owe them that payment and I can Prove that and I did so by send them a letter with my XXXX XXXX XXXX XXXX and XXXX Bank Statements for XXXX and it shows I had made payments every Month up until their Auto-Pay with Card ending XXXX Silver Card Stopped Working Due to their ID Presintation Idea And the payments I sent them by Check from my checking Account Shows my Sign as my license is singed the same way as the check! I sent them copies of my valid licence and my EBT card as well and bank statements I had to buy a new phone and cards and sim card the old phone XXXX is Dead! And they XXXX Fix this Thing ASAP! I am Not Paying them those FEES! And I Want my {$37.00} Back I Don't owe it period! And they caused me to Lose my Way to Open my Account with the XXXX I wanted to Retire I Just turned XXXX The XXXX has my old cell # that don't work anymore so the XXXX sends me their Codes to my XXXX and now I Can't get into my own Account Because of this Screwup!!!
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXBankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my right as a consumer.