23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have submitted a dispute XXXX with TransUnion for a negative account that is listed XXXX on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on both of these accounts. However, one of the accounts shows that the date opened is XX/XX/2012 and the date closed is XX/XX/2012 which, again, clearly show a mistake since an account ca n't be closed 2 days before it is ever opened! TransUnion supposedly has verified that the account information is correct and both accounts remain on my credit report. This is still inaccurate information and I do n't understand how it can be verified as correct XXXX when it is obviously incorrect if for no other reason than the fact that the open/close dates on one of the accounts listed are not even possible! How can I get this removed if TransUnion claims that the accounts are verified and accurate?
Product: Mortgage

In XXXX, like so many other American families, my husband lost his job and was initially told he did not qualify for unemployment. That decision was reversed but trying to refile proved impossible. My salary was cut by 35 % beginning XX/XX/XXXX, and was not restored until XX/XX/XXXX. I sent a fax to my mortgage servicer back on XX/XX/XXXX, to which I have not yet received a response all these months later. And this was after spending 5 months trying to reach someone by phone. I filled out the forbearance paperwork that was available on their website, I gave detailed information as to why we had fallen behind and I communicated my intent to sell the house. Fast forward a few months, I have now caught up on all my payments ( the next payment due is XX/XX/XXXX ), and I was also able to catch up on my past due XXXX tax payments, which I have paid myself almost since the inception of this loan. As I was trying again to contact the servicer, they sent me a letter that I received on XX/XX/XXXX advising me that as of XX/XX/XXXX, they would start escrowing for my taxes because I was behind. I immediately called and advised that the amount they had was incorrect, and that I had also scheduled my payment for the full ( and more importantly, correct ) amount that I still owed for the tax year for XX/XX/XXXX. I was told they had already sent payment, which was not true, and when I explained that the third party that they were relying on for information had the amount wrong, Gregory  Funding pretty much just shut the conversation down, and told me someone would be in touch. My payment posted, and last week suddenly a credit balance of {$7400.00} appeared on my tax account. I again attempted to reach someone at Gregory, and was told by customer service that " the legal department was reviewing '' and someone would call me back within 30 days of my original call to them. That is still a week away, and I have a tentative closing date for the sale of my home set for XX/XX/XXXX. Because of their error, they've assessed my account with a negative escrow balance and they have almost doubled my mortgage payment. I need a swift resolution on this so that I can close on schedule.
Product: Student loan

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I took out a loan with ACE Cash Express for {$2000.00} on Friday XX/XX/2022. 
I paid back {$1500.00} in principal on XXXX/XXXX/2022. 
I made a scheduled payment of {$410.00} on XX/XX/2022. 
I called to pay off the loan on XXXX/XXXX/2022 and owed {$810.00} to pay off the remaining principal, interest, and fees. 

The total in fees and interest totaled {$720.00} for 42 day {$500.00} net loan.
Product: Student loan

I graduated college in 2010 and my loans were transferred to XXXX from XXXX XXXX, my payments have never been consistently applied to principal and interest, multiple payments have gone only to interest and some payments only {$0.00} went to principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested original charge off date in XX/XX/2022. Original charge off date needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly. Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I HAD SHOW A PROOF OF MY FTC WITH EQUIFAX LLC I ALSO UPLOAD THE INFORMATION TO MY EQUIFAX UPLOAD AND THEN GOING TOO TELL ME THAT MAIL THE SAME INFORMATION THAT I HAD ALREADY UPLOADED THEN THEY WHAT MY PERSONEL INFORMATION TOO THE THEY ALSO KEEPING THE ACCOUNT OF XXXX XXXX  ON MY CREDIT REPORT I KEEPING ON DISPUTE THE SAMETHING FOR THREE YEARS AND EQUIFAX HAVE NOT DONE NOTHING ABOUT IT AT ALL.I HAD TOLD THEM TOO DO A REAL INVESTIGATION ON MY CREDIT REPORT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with XXXX, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Santander Consumer. All three failed to do an investigation before reporting false information. Santander Consumer failed to respond several letters
Product: Debt collection

XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.
Product: Debt collection

On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the allhed debt. nor therefore any such debt in fact therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a validation letter to Franklin Collection Services ( " FDS '' ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. 

FDS responded to my first request for validation in a letter dated XX/XX/2019 with a verification and validation of debt for a bill owed to XXXX XXXX XXXX XXXX XXXX. The response I received did not provide me with the information I requested. Instead, the letter stated the alleged balance owed to XXXX XXXX XXXX XXXX XXXX. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted.

Therefore, I sent a second letter to Franklin Collection Services dated XX/XX/2019, where again I specifically requested that Franklin Collection Services ( " FCS '' ) provide me with evidence that the company is the legal owner of the debt, and that FCS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. This information was not provided.

After specifically requesting this information in writing on two separate occasions, FCS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FCS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence.
Product: Mortgage

The company name is Essex Mortgage. I been trying to get in touch with them by phone, but the problem is they don't answer the phone. they put you on hold. Playing the music tells you an agent will be with you shortly about 3 times, then the machine comes on and say leave a name and telephone number and someone would return your call shortly. But no one ever calls back. And I am trying to reach out to them so I can get some assistance with my mortgage before it goes into foreclosure. I am 2 months behind on my mortgage due to the facts I fall on hard times. I am not trying to lose my home and become homeless and I can't get no help if they don't answer the phone. I signed up for XXXX but they denied me and didn't tell me why. I've called and called and haven't got ta answer yet. so what am I to do?
Product: Checking or savings account

My accounts were Levied and I was not given any HELP whatsoever to resolve this, from my Bank, Social Security, IRS, and various other sources I begged for HELP!!! PLEASE HELP
Product: Debt collection

Debt is inaccurate. Its been over 90 days and no response back from the bureaus.
Product: Debt collection

I have won a case against this collector in court, plus they send me a IRS form to file and still this creditor is reporting negative please remove from my report please
Product: Credit reporting or other personal consumer reports

Violations of My Consumer Rights and Monetary Relief for Gross Misrepresentation : Title 12 establishes that cases involving securities automatically fall under Federal Court jurisdiction. I am seeking to mediate with the involved parties before pursuing federal litigation. Per 16 CFR 433.2, the holder ( XXXX XXXX ) of consumer credit contracts is entitled to uphold all consumer rights, including exemptions. According to 15 USC 6802-6805, 16 CFR 433.2, 16 CFR 433.3, and 16 CFR 313.7, I was not provided an opt-out request and have the right to opt out of any and all agreements. Misreporting on my credit reports has occurred, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Under the terms and privacy policies of the Department of Education and the Educational and Privacy Act of 1974, my school and banks were not authorized to disclose transaction history or personal financial information to third parties such as XXXX, XXXX, XXXX  XXXX XXXX XXXXXXXX, or XXXX, violating my privacy rights. Furthermore, under 15 USC 6802 and 5 USC 552A, I was not given the option to exercise my non-disclosure rights, and my social security number and other personal information were unlawfully shared. Per IRS Publication 4681, canceled or closed debts, including " charge-offs, '' are considered income and should not be reported on credit reports. Reporting such items violates the law. Credit reports include non-mailable addresses, further infringing on my privacy. Additionally, promotional inquiries occurred without my consent, violating 17 CFR 424 and the terms outlined in the XXXX and XXXX reports of these entities. The XXXX XXXX XXXX report provides evidence of these violations, including unauthorized disclosures. These violations by XXXX, XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and other entities have caused financial and emotional harm due to gross misrepresentation. I reserve the right to file an FTC identity theft claim and escalate this matter through legal channels if necessary.
Product: Credit reporting or other personal consumer reports

In XXXX, i was unemployed and XXXX started to slow down so i couldnt afford my monthly payments. I missed 2 months consecutively and Ive made every payment before then and ever since it happened. Ive been in positive standing for 2 years and have been told that Wells Fargo Auto is willing to waive a late payment or XXXX if you call or wrote a goodwill letter. XXXX looking to get another car soon and not only are these XXXX late payments from years ago still affecting me, this is also mh oldest account so my credit will get knocked down when i pay it off this month. All i want is for the XXXX late payments to be removed and Ill gladly return to Wells Fargo auto as a customer.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints I submitted to your attention regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of this dispute with the TransUnion credit bureau. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific account that I am requesting to be removed from my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened two secured accounts with USAA. One being a Secured Visa account ; the other being a Secured XXXX XXXX Account. I was using the cards responsibly paying my obligation monthly. In XXXX, unfortunately, I had medical issues that forced me into the hospital- not having the proper assistance, these accounts went into default. USAA used the monies that secured these accounts though an outstanding balance was left. 
USAA began reporting these collection amounts to all three major credit bureaus. # 1 ). I do not feel I owe these amounts and have inquired with USAA regarding them. I continue to get the run around. Once they sent documentation which explained nothing. # 2 ). Both accounts are being reported to all three major credit bureaus incorrectly and inaccurately. I have attached an Identity IQ credit report that I purchased for your review. Dates are not consistent, why are they reporting a credit limit on a closed account, high credit amounts are incorrect/inconsistent, date last active and date of last payment are not consistent. Refer to payment history. XXXX is reporting nothing, XXXX is reporting monthly charge offs and XXXX is reporting that the accounts are being paid as agreed. WHAT?? INACCURATE/INCORRECT/POOR BEST PRACTICES. 
I have been disputing these accounts with both the bureaus and USAA. I am being told they are verified/validated as being correct. HOW??? what is there verification methods. I spoke with USAA just last week and the woman in the collection/dispute department told me that USAA does not correct credit bureau reporting ... .that is only done by the bureaus. WHAT??

This could all be resolved if USAA would just remove these tradelines from all three credit bureaus. I've suffered with this since XXXX. XXXX is enough please.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing all other names and addresses. These other forms of my name are not correct historical data. 
incorrect historical data listed below : Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX  FL, XXXX Incorrect Address- XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX Address- XXXX XXXX XXXX XXXX FL, XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Incorrect Address- XXXX XXXX XXXX XXXX XXXX  XXXX FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Incorrect states that the account is late causing harm to borrowing power and interest rates. 

Account for XXXX XXXX  " XXXX XXXX '' is reporting that XXXX and XXXX are 60 days late while the account is in dispute.
Product: Credit card

See previous complaint # XXXX that was closed after Barclays responded . In their response they provided a credit application with a scribbled line representing my signature. This is a falsified/fraudulent document. My personal information has been used to apply for credit that I didnt authorize. I sent Barclays another letter dated XX/XX/year> explaining that I didn't complete the document provided. And according to a billing statement I received, the transaction on the credit card represents " Wyndham XXXX XXXX XXXX' from XX/XX/year> for {$4100.00}. I didn't authorize this purchase. I requested a contract/installment agreement/Truth in Lending statement or something that will evidence my approval of this purchase. As this is fraud, I took the liberty of reporting this incident and improper use of my personal information to the XXXX XXXX police department as Im sure it will be needed to further their investigation. The report number is XXXX.