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

In XX/XX/XXXX my mortgage payment increased from {$1000.00} to {$1100.00}. Due to a grievous oversight on my part I failed to increase the payment. Mr. Cooper Mortgage company held my inadequate payment and threaten by XXXX XXXX XXXXbut there was a dramatic hit on my credit report for non-payment. Eventually the credit issue was resolved with Transunion credit bureau and my credit score was restored. 

I am in the process of selling my current home and trying to prequalify for the purchase of another home. Therein lies the problem. Upon an inquiry of my credit it was disclosed that I was late on 4 mortgage payments for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. My credit scores are impeccable with the only blemish being 4 late payments on the XXXX Credit Report. 

Other than the XXXX mix-up, I have never been late for any payment while a client of Mr Cooper. I have called twice trying to resolve this issue. On XXXX XX/XX/XXXX I called and asked for a copy of my payment history and also a letter stating that I was, in fact, on time for the payments of XXXX, XXXX and XX/XX/XXXX. 

According to the customer service representative on XXXX XX/XX/XXXX, it was stated that they would send a copy of the payment history and a statement saying I was never late on mortgage payment except for the one incident of XX/XX/XXXX. He only sent the payment history and not a clear explanation of no late payments. i am beginning to wonder if my file flagged or are the customer service reps being told not to help out with this issue? I have called twice and written one letter and sent an additional registered letter to ensure someone is made aware of my circumstances. 

The payment history of my current mortgage they provided shows only the XX/XX/XXXX mishap. As one can see, the only blemish is XX/XX/XXXX. The payment history is and has been consistently on time each and every month for the past 46 months. I know the credit report states 4 late payments but the historical data provided by Mr Cooper shows only the mistake in XX/XX/XXXX. 

I have requested an immediate Rapid Resolve and Rescore to correct this error. I am in the process of selling this property within the next 3 weeks and because of this mistake I can not pre-qulaify for a new mortgage. Please understand that any further delay in rectifying this grievous credit issue impacts severely upon my ability to purchase a new home.
Product: Credit reporting

A university I applied to but was not accepted to, still had my information on file. They accidentally uploaded my social to a student who is currently enrolled in that university and her loan appeared on my credit report. I filed a dispute with Equifax and sent in proof and documentation that showed the loan was not mine. The documents included ; my social security card, copy of drivers license, email from financial aid director at the university stating that it is not my loan, and a police report. Equifax still did not remove this from my credit report even with all the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting to alXXXX XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DOE XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

Identity theft, I have no contract with this debt collector. They have called repeatedly ( more than 7 times within a 7 day period ) and at inappropriate times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed every step on the FTC 's website for the Recovery Steps for Identity Theft Victim of which I am but still TransUnion does not follow federal guidelines! applicable to deployed soldiers & victims of identity theft. which is, once the paperwork with cover letter asking the company to remove the derogatory accounts because they were NOT USED BY ME. I called TransUnion again today, Tuesday, XX/XX/XXXX ( I have been working on this since XX/XX/XXXX ) asking to remove derogatory from my report! 
The companies, although they know it was not me making the purchases must be asked if they will permit being removed (? ) from the derogatory on my report.?! I was not asked if I wanted to be a victim ... & I already disputed the companies over ten ( 10 ) times!?
Product: Credit card or prepaid card

I have a checking account, savings and a credit card with citizens bank. 

This is about my Citizens Cash Back Plus World Mastercard, which I opened last year in summer.

I've been out of the country for almost two months, visiting my family in XXXX. 
From XX/XX/2023 to XX/XX/2023. 

I checked my mailbox after returning to see I have received a letter from Citizens bank stating that my credit card account is closed because of some suspicious activity. 
I tried calling citizens immediately and they said it was regarding my payment made through a miscellaneous account for the amount of XXXX on XX/XX/2023. 
They requested to provide a proof of authorization from the person 's bank account which I used funds from to pay my card bill. 
( I used my cousin 's bank account details to pay off my balance and I was only able to use it after verifying the account within my online banking with the two minor deposits they sent to authorize to his account. ) I did reach out to my cousin again and send out the statement of his to citizens to get verified by them and get my credit card reinstated.. 
The case evaluation took more than two months and after two months they gave me a call and say they need to do a credit check to reinstate the credit card stating that after any account is closed it could be only opened back/reinstated within three months. 
I argued it was their team who delayed the process in the first place despite me going to bank twice to resolve this. 
There wasn't a mistake at all from my side in the first place, they didn't have proper communication before closing the account. I never receive a call/text or email from them to confirm that suspicious payment that they thought it was, all they did was send out a piece of mail and close the account.
Instead of closing the account straight forward, they could have, texted, called or emailed me to find the details of the payment, despite me being out of country I do have access for those all and could have explained them and resolved the issue.

In the end now after the inquiry they said they cant approve the card because of my existing credit stage.
I lost a credit card and an account from my credit history because of their improper maintenance/handling of situation.
And this did affect my credit score again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the XXXX  i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}
Product: Credit reporting or other personal consumer reports

I had a very long stay in hospital in XXXX. During which time I have very little memory or not at all of any requests for credit or why. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted XXXX  and told them my address is XXXX XXXX XXXX XXXX XXXX SC XXXX and my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX yet they told my 47 companies are reporting my address and XXXX XXXX XXXX XXXX which is across the street and these companies send mail to XXXX XXXX XXXX XXXX not XXXX XXXX XXXX and I have never address anything XXXX XXXX XXXX XXXX Need help correcting this. One the company One main is reporting me with a repo and charge off when the car was total in XXXX of 2018 it was not my fault XXXX XXXX did not pay car off until XXXX or XXXX and then they charge it off in XXXX and sent me a bill in XXXX for balance how backward is that. I would like for it to be corrected because it cant be both totaled and repo/charged off
Product: Student loan

All my student loans were to be merged together into XXXX  I took a new job position requiring me to complete further education. When applying for FAFSA it was brought to my attention that there is currently a loan that was not merged and was in default. Ive signed a 12 month contract with my employee to have further education completed and now this is significantly impacting on if I can continue my employment.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST
Product: Credit card or prepaid card

Through my Chase Sapphire Reserve Credit card, I signed up for Chase 's XXXX XXXX promotion in XXXX of last year. I've reviewed the Chase promotion terms of agreement and ensured I was in complete compliance. 

The promotion advertises that it provides both a free monthly subscription ( monthly charges of {$9.00} are to be reimbursed ) and a {$60.00} annual credit. I recently realized that while I got the {$60.00} annual credit upon activation, I never received the monthly XXXX credits from XXXX through XXXX, despite being activated. That's a total of 8 monthly charges of {$9.00} each, totaling {$79.00} I know it was activated because I received that {$60.00} credit immediately upon use, and the app was downloaded to my account. I've since received one {$9.00} monthly credit for XX/XX/XXXX, but I am still owed {$79.00}, for the uncredited months of XXXX through XX/XX/2020. 

I've called the Chase customer service line and spoken to supervisors about this no fewer than five times beginning of XXXX. Each and every time the Chase rep tells me that they'll be processing a credit in the full amount of {$79.00} in 7-10 business days. That has not happened. And each time I call back and have the exact same conversation again.
Product: Debt collection

On XXXX/XXXX/XXXX Valley Credit called me about debts they claim I owe At first they said the amount was {$5000.00} then it was {$49000.00} then {$3400.00} then {$4000.00}. this number changed this much during a 20 minute call. Because of their inability to to come up with a firm number I requested copies of ALL documentation of the debts. 
During this call they finally claimed that XXXX was the right amount. And I made an offer of {$3500.00} to settle their claims, which they accepted. As part of the agreement I was to receive copies of all documents, so that I could look thru them to verify the debts were in fact mine, as well as adding them up to come up with a real total. It was agreed that they would send the paper work out as soon as possible. I would go thru it and we would talk on XXXX/XXXX/XXXX after i had time to look at the paperwork. 
As of today XXXX/XXXX/XXXX I still have not received the paperwork, so I called them on XXXX/XXXX/XXXX @ XXXX to inquire about the paperwork. the lady I talked with ( XXXX ) at first said none of this was in their notes then put me on hold. When she came back she said that she found notes on the settlement but NOTHING about me requesting the paperwork and that I had until XXXX/XXXX/XXXX to pay or the settlement would go away and I 'd owe the whole amount. When I requested she move the settlement date and send me the paperwork she stated that they do n't have some of it, but they had some judgements when I asked for copies of those she stated " We dont send copies of those if you want them go get it from the courthouse ''. and 'We can provide a list of the amounts you owe but we do n't have the original paperwork because some of these are as far back as XXXX. she ended the conversation by telling me I had til the XXXX or the settlement would go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote a letter about inaccurate accounts on my credit report. It has been two months and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied housing when I wasnt aware of all the inaccurate information that showed up on my report. In which I feel like Im a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my TransUnion credit report. I mailed my dispute and supporting documents before XX/XX/year>, but the certified mail tracker shows that it was picked up at XXXX XXXX  on XX/XX/year>. TransUnion responded on XX/XX/year>, claiming that my identity couldnt be verified. 

In my dispute, I provided all necessary identity documents, including a drivers license, a bank statement, and a XXXX, all of which meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Despite submitting these documents, TransUnion refused to process my dispute, citing identity verification issues. I believe this refusal is a stalling tactic to avoid properly investigating the inaccuracies on my report. 

I am requesting that the CFPB intervene and require TransUnion to conduct a thorough investigation into the disputed items to ensure accuracy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has been on my credit for a long time that absolutely not be there. I have no contracts with the company and did not agree to pay any money to them. I believe, that I couldnt owe this much. I know that mistakes happen on peoples credit reports, and I am quite certain there is a mistake. I believe that someone used my name. 
I think that I may be a victim of identity theft.
Product: Debt collection

I have written several disputes to Credit Collection Services, which they have not responded to, a violation of the FCRA. they have failed to validate a debt at my request, a violation of the FDCPA. Credit Collection Services is required by law to provide me, the consumer, with information reported about me to the credit bureaus in accordance with the above stated laws. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. Its been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false
Product: Mortgage

The PMI for my mortgage is due to expire XXXX 2015. It is still listed on my XXXX statement. I have tried, unsuccessfully, several times to contact Green Tree to ask about this. The XXXX XXXX individuals that I spoke with on XXXX XXXX thought that I was referring to homeowner 's insurance.. I then asked to speak to a supervisor. My call was forwarded and went to voicemail. I left a brief message, and my phone number, but no one returned my call. I called again on XXXX XXXX and asked to speak to a supervisor. None were available. On Tuesday I returned home to find a letter from Green Tree, saying that I had " orally denied that I owed my mortgage ''. That is completely false! The only thing that I denied was their request to use my office phone number to contact me if there was " a change in my mortgage ''. I tried to call yesterday, but when I refused to answer what my intentions are for my home, as I have done for each and every call, no matter how close together, they refused to put my call through. I have tried sending an e-mail through their secure site, but they will only respond via US Mail. This time, when I did try to use their secure e-mail, it would not go through. They list only XXXX phone number. My phone calls are not returned. I am seeking information about the expiration of the PMI, as noted in my original loan documents, on my mortgage before the XXXX payment goes through ( they only use automated payments ).
Product: Bank account or service

I applied for mortgage loan and found Wells Fargo Dealer Services on my credit report reporting a repossession with a balance due of around {$14000.00}. I never received the proper " right to cure '' required by Colorado law. The XXXX they show as due and owing does not reflect a reasonable effort to sell the car as required by law. I requested they provide documentation of " right to cure '' and vehicle and a bill of sale. They did not provide either and responded with a letter saying everything they reported was correct. The original balance is being reported as around 30,000 and the Blue Book value is XXXX as of late 2010. Wells Fargo has not provided information requested, did not make a reasonable effort to sell the car for its true value and has not met the burden of reporting complete, accurate and verifiable information. I have attached copies of all communication and the Kelly Blue Book Value at the time of sale.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

There are over {$5000.00} in fraudulent charges to this account.My brother has been XXXX  since XXXX I have provided proof so there is no way he could have made these charges My original claim # is XXXX I dont feel this case was resolved