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

I have notified TransUnion several times that I didn't authorize these companies to run my credit and also that there was no firm offer for credit either. I have asked for verification documents and TransUnion has failed numerous times to give me those documents. 

Remove these inquiries. I did not give consent for them to have access to my credit report... 

XXXX XXXX XXXX XX/XX/XXXX this company verified to me this was identity theft and I have sent you those documents last week. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and Rocket Mortgage says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more  month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.
Product: Checking or savings account

Heres what bothers me : in my previous complaint a few weeks ago. I complained that current bank debited my account for a withdrawal that was declined by current as being over the limit according to The XXXX  ( atm vendor ). Ive spoken to vendor, theyve supplied me with emails and transaction reports since my complaint Current open and closed a dispute investigation. They denied my appeal. They responded to my complaint with this agency ( although Im unable to see the complaint or response in my dashboard ; this was reported to customer service ). 

In my initial complaint I stated that Curreht had not contacted the ATM vendor. I figured that my complaint would prompt current to call. But vendor states no contact has been made. So back to my problem. How can current say they did an investigstion when they didnt contact the atm vendor who clearly would tell them the transaction was declined. Ive contacted current multiple times but they clearly have more important things to do. This is an outrage that I would have to put this much time in. Currents failure to investigate despite an active complaint with this agency is also shocking. Ive supplied documentation this time. What do you bet they still wont contact the vendor. 

I want transaction refunded XXXX plus fees. Plus all out if network atm fees for the last year refunded.
Product: Credit reporting or other personal consumer reports

I asked the consumer credit reporting agencies ( XXXX, Equifax, XXXX ) to please delete inaccurate information on my credit reports. The following dispute hasnt been deleted and came back verified information. According to law 15 USC 1681s-2, you are required to cease furnishing inaccurate information to consumer reporting agencies upon receiving notice of such inaccuracy. I am providing notice that the information that they provided is inaccurate and causing harm! IRS guidelines state that canceled debts should be reported as income not as debt on a consumer report. The definition of canceled debt as income is recognized by the IRS which contradicts the way this account is being reported. 

Accounts XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I HAVE NEVER HAD ANY ASSISTANCE OR HELP FROM CARRINGTON. I TRIED TO GET HELP BECAUSE I UNFORTUNATELY FELL BEHIND ON MORTGAGE DUE TO MY BABY GETTING SICK AND INCOME LOSS. 

I HAVE XXXX CHILDREN THAT I NEED TO HELP KEEP A ROOF OVER THEIR HEAD AND ALL THAT I AM ASKING IS FOR ONE CHANCE TO SAVE MY HOME!
Product: Credit card or prepaid card

I have received a letter regarding my BestBuy ( Citi Bank ) Visa card today, the letter was in regards to their monthly automated statements being returned. While, I appreciate the letter and the importance of informing me about this issue, there is one aspect that I have a huge problem with. On the top left hand side of the letter is of course the return address : " Best Buy Credit Services '' .... directly across the page is my COMPLETE 16 digit account number. My complete account number that, by the way, you can read through the envelope if held up towards a light. I have received this exact letter before several months ago and I called and spoke with an CSR who was not able to help at all. 
I think this is a serious issue that can easily lead to someone fraudulently using my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX BANK XXXX XXXX XXXX : {$110.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts on my records, they show as close or dismissed, yet Equifax, XXXX, etc, still keeping my credit score low, etc!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Fraudulent account established {$500.00} XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX # XXXX Date Opened : XX/XX/2006 Balance : {$46000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec.

151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Debt collection

A letter dated XX/XX/XXXX from CREDIT CONTROL , LLC., stating that I owe them a debt for {$14000.00}. The Original Creditor waXXXX XXXX XXXXXXXX XXXX, XXXX, who previously charged off the alleged debt. I have no contract with CREDIT CONTROL., LLC XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between CREDIT CONTROL , LLC. and XXXX  XXXX XXXX, XXXX, about me is in direct violation of my privacy per the Privacy Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Spring of 2019, I was forced to abruptly move from my apartment due to an a series of unexpected health setbacks. During my tenancy, my utilities ( electricity and gas ) provider was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). During my transition to a new home, XXXX was absorbed absorbed by another power company, XXXX XXXX. 

While tying up loose financial strings after the move, I noticed that both companies, XXXX XXXX XXXX and XXXX, and XXXX XXXX, were reporting on my credit that I owed a past-due balance in the amount of {$180.00}. I immediately logged onto the the website of XXXX XXXX XXXX and made a payment using my previously established credentials. 

At the same time, I filed a dispute with the Equifax Credit Bureau notifying them that the utilities account was listed twice -- once under each company. I mistakenly assumed that the duplicate listing was an oversite that would easily be corrected. I was dismayed when I received the updated results keeping both tradelines on my credit report. This updated reporting seems to be a willful and malicious violation of the FCRA. The current reporting makes it seem like I have two separate derogatory accounts with this company. I would like this taken care of as soon as possible and and I will contact everyone I am able to, including the South Carolina Attorney General, to get this satisfied.
Product: Vehicle loan or lease

My balance increased by XXXX $ And didn't close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance XXXX XXXX XXXX XXXX account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

The Deville Mgt company is charging me for a debt that was closed XX/XX/2015. I received paid in full from XXXX and it showed up 2 years later
Product: Vehicle loan or lease

On XXXX XXXX, my car was repossessed without my knowledge. my car financing company did not let me know prior that my car would be repossessed and I did not give them permission to have my car repossessed meaning that they gave my information such as my social security, my address to a third-party without my knowledge or consent. My car contained all my personal belongings & when trying to receive the car, they said that I can not until I paid ( {$1100.00} ) but I did the same day, but they said I can not receive my car until the system updated to the attack location where the car was, which would take all the way until Monday morning. I called that Monday and they still never gave me an exact location on my car which made me have to wait a whole Nother day just to receive my car. I felt I needed to file this complaint because I never gave my permission and learned over the weekend that after researching that it is illegal for any financing company to give your information out to a third-party without your consent.
Product: Credit reporting or other personal consumer reports

Im having an issue with my Experian credit report. My credit report score was last updated on XX/XX/year>, which is over six months ago. 

In the past, I was a victim of identity theft and reported fraudulent accounts to Experian. Experian requested that I file a police report, which I did. As a result, every negative account was deleted from my report, and my score increased to the XXXX. 

However, I am now unable to access my credit to apply for loans. Whenever a lender attempts to pull my credit report/score, a blank profile appears, and my score or credit profile is not displayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Mortgage

please refer to complaint # XXXX for more details. 


The mortgage company held a key document for my assistance request. only answered and produced the required document when answering to a complaint here and also only after the rejected the request for assistance because they did not produced the required document. 

this is unethical
Product: Checking or savings account

im complaning because they have my money on hold and they are saying its idenity theft they are saying that somebody had stole my idenity my name is XXXX XXXX. and im having problems getting money off my debit card i have a chime card. u can reach me at my cell at XXXX please help me thanks and i like to report it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an opened case ID # XXXX at XXXX XXXX XXXX as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to Innovis as they should. XXXX says it reports to XXXX, Innovis and XXXX. My latest credit report sent by Innovis on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous account and inquiries that are not mine and were not authorized. I've attached the FTC report and have sent numerous letters to Equifax, XXXX XXXX  XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed this account with the " creditor '' LVNVFUNDG. Below is a copy of the letter sent to them requesting validation, as it is my right. They never responded and they keep hurting my credit with negative erroneous information, causing me and my family great deal of stress, since we are in the process of buying a new home. 

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I request proof of contract, with signatures and the contract, of all parties involved. 
Provide a breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
I expect to receive all the proof requested above within 15 days of this letter. 
Sincerely, XXXX XXXX XXXX. Please do not call me. Use mail only.
Product: Checking or savings account

I closed an account with PNC bank in XXXX XXXX NJ on or about XXXX XXXX. 
A left over balance was sent to me with a check # XXXX and the routing of the check is ( XXXX XXXX XXXX ) dated XX/XX/2022. 
I was away for a few months. I tried to cash it on or about XXXX XXXX and it was denied payment because the check was passed 120 days. 
The told me they would send me a new one. 
On XX/XX/XXXX I tried to cash the same check since they did not sent me a new one. 
The branch manager refused to assist me and would escalate the issue to their superiors. 
I call the main office and I was on the phone for XXXX XXXX and XXXXXXXX XXXX They could not find the account or make good on the check. They open an investigations which has gotten nowhere. 
Please help
Product: Mortgage

I received a letter telling me my Mortgage was past due. I knew I had a auto pay bi weekly coming out of my account for years. I called the company they were RUDE, unprofessional and basically told me I did n't know what I was talking about. I called my bank, then I finally tracked down my payments. I was then told that the company I was using ( which is a third party company ) was a rip off. They also told me they did not deal with third party companies, which was not true. I never had to contact the company I was using to change my payment amount. The third party company has ALWAYS notified me regarding changes from the mortgage company annually, due to increase in property tax or home owner insurance. But this year the only notice they received fro Green Tree Servicing was to decrease my amount. After that was done a couple of time at the first of the year, that is when I got the letter from GTS. So now they are calling me monthly, for an extra payment and wanting to charge me late and processing fees. They still refuse to contact the third party company. I would love to change to another more qualified company that can get the job done right the first time. This company has shown to be the worse ever.
Product: Credit reporting or other personal consumer reports

Multiple Errors Across All 3 of My Consumer Reports for an Account XXXX 
Date Opened Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

Date Last Active Can not Be THREE Different Dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Date of Last Payment Can not Be Both XX/XX/XXXX AND XX/XX/XXXX. 

The Date of Last Payment is The Date of Last Activity. This Alone is a Severe Consumer Reporting Violation. 

No Balance Can Be Listed On A Charge Off Account. That's Double Jeopardy Violation. 

The Legend Account Status for this Account : Is Empty/Blank for XXXX. 
Listed As CO repeatedly Every Month for the Past 2+ Years on My Experian Consumer Report. 
Listed as OK on My XXXX Consumer Report repeatedly every month for the Past 2+ years. 

I have Lost Count of How Many Violations and Errors appear throughout my consumer reports. XXXX, Experian and XXXX have all Numerous Consumer Reporting Violations, Errors, and Misrepresentations of my consumer reports. 
This continues to cause severe harm to my consumer reports and Violates My Rights.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, North Carolina in about XXXX. It was financed through Santander Corporation. At the time of the loan and currently I live in XXXX, Virginia. I paid off the loan as agreed, maybe a few months early about XX/XX/XXXX. Santander sent me a letter stating that my lien was satisfied. When I carried this letter to the Virginia DMV in XXXX to get my title, I was informed that the car had a lien in Tennessee held by XXXX XXXX so Virginia could not issue a title. XXXX XXXX is now XXXX XXXX and an office employee there says they don't have XXXX XXXX XXXX. I now have a car that I paid for last XXXX and I have no title for it. I have written letters to Santander, Virginia DMV, XXXX XXXX and XXXX XXXX with no luck in getting my title. I have been on the phone for hours with Santander, Virginia DMV and XXXX XXXX also with no success in getting a title. 

Title # XXXX VIN # XXXX