23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid a final electric bill to NV energy and last month Aargon agency posted a collection account under my name for the same amount. I have contacted them several times letting them know XXXX XXXX states they never sent my file to collections but it has not been removed even after I disputed it with XXXX. I did receive a copy of the deletion letter they say they sent to the bureaus but not change has been made
Product: Credit reporting, credit repair services, or other personal consumer reports

Between Capital One, XXXX, XXXX XXXX and various online credit reporting, including XXXX XXXX and XXXX XXXX, I have somehow been robbed of {$300.00} and also had my credit score mysteriously and needlessly PLUMMET over 50 pts in less than a year!

What the heck is going on? I have been so SEVERELY dismissed, disrespected and argued with by XXXX and Capital One reps, that I literally had to end the conversation with them after at least an HOUR of arguing with them back and forth over the phone. 

Someone is STEALING from me, and the money itself would be bad enough, but the CREDIT is possibly even more consequential. 

After DIGGING into my Capital One account I was actually able to prove, after ARGUING, MULTIPLE times with MULTIPLE XXXX reps that they were indeed in ERROR and fraudently charging my account. But even after ALL of this I was STILL put on the defensive as to any worse charges than a ONE time {$6.00} amount.

You know ... remedying and getting my money back aside, how do I JUST get the 'bleeding ' of my credit score plummetting to stop??? 

THANK YOU, XXXX XXXX XXXX, WV XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX sent XXXX to phone number and correct person but the money was sent to wrong account. {$500.00}
Product: Credit reporting or other personal consumer reports

I noticed that one of my creditors, Synchrony Bank, in association with Venmo for my Venmo credit card pulled my credit report without my consent and used it to lower my credit limit. I have not recently applied for a new card nor applied for a credit limit increase that would warrant them pulling the report.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
Product: Debt collection

Bank of America XXXX Saying I was delinquent and never was even after calling the Bank to verify. Saying my XXXX Acct was paid in full XXXX Credit Card XXXX I paid in full on time payments. This was years ago and they act like this was recently and they keep harassing me Im a Senior on disability its very stressful has caused me to end up in the hospital with cardiac issues XXXX XXXX XXXX XXXX XXXX Has no phone number XXXX cant prove on any medical records of mine or documentation from hospital or doctors that I owe any monies. {$280.00} XXXX XXXX XXXX XXXX XXXX  I cant prove on any documentation from the hospital or doctors of this charges and continual harassment. {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I requested accurate information from the collection company to verify the information that was sent in a summary report. The collection agency sent a generic summary report with no real charge breakdown. I then contacted the original creditor XXXX at XXXX XXXX. The agent at the location forwarded me the actual summary which had a charge with about half of what the collection agency is attempting to collect from me. They have claimed they represent the interest of the company but it seems like the interest of said company is not aligned.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$540.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$540.00} Inquiries : XXXX CARD : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Recovery Services is reporting three collections on my credit report ( XXXX and XXXX ) that are false and they are rudely and grossly doing so because the original creditor ( XXXX XXXX XXXX ) does not have any bills, collections, or accounts from me. These bills are also from a time that I was not hospitalised or a patient at this facility. These three collections all total to over {$6000.00}. They have ruined my credit for no reason these people are financial criminals. For the record I have been on XXXX for over a decade and never ever had any outstanding medical bills. I want them to delete the three bogus, fraudulent, and unfounded debts that are not mine but this company refuses to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law.
Product: Student loan

Navient is XXXX of the worse companies to work with. I have contacted them many times to try and work out an affordable payment plan. Each time I spoke to a representative no wanted to work with me and now my account is in default. I have continued to reach out to them to try and work out an affordable payment to no avail. Now I 'm on the hunt for a lawyer. I pray that some how I can find a solution before this situation gets worse. I 'm a XXXX and I make under XXXX per year. Nevertheless, they want my whole check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Transunion also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Product: Mortgage

The lender for my home mortgage is United Wholesale Mortgage ( UWM ). After I paid 80 % of the loan, I was given an option to close the Escrow account which I did in XX/XX/2021. In XXXX I was sent a check for {$5900.00}. I deposited the check in my Savings account and right when I was about to pay the property taxes using that money, the check returned. I was sent no communication from the lender as to why the check returned. I contacted them a few times but I was provided generic information and told that they will send a new check. Property taxes were due in XXXX and I could not pay it on time as I didnt get the check on time from UWM . 

I had to not only borrow money from someone but also pay a late payment fine on my property taxes. Since then I have contacted UWM more than 5 times and I have been put on hold for hours. Every time they representative tell me that check is on its way but I have still not received it.
Product: Debt collection

Unknown account, never have done business with this company, disputed requesting validation please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing to dispute the following information Original Creditor 08 XXXX XXXX XXXX  XXXX XXXX A Current Creditor  PORTFOLIO RC Account Mark Collection/ chargeoff Past Due {$440.00} Reported On XX/XX/2017 that your company provided to XXXX, XXXX, and XXXX   I have listed the items : This item : Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX  Current Creditor PORTFOLIO RC Collection Past Due $ XXXXReported On XX/XX/2017 is inaccurate because there was a data breach resulting in identity theft. I am requesting that XXXX  XXXX XXXX  and Portfolio RC XXXX XXXX  XXXX  have the item ( s ) removed or deleted. 
Please reinvestigate and remove these matter [ s ] and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX/XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Heres a sample letter you can use to dispute the inaccurate information on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear XXXX XXXX , I am writing to formally dispute an inaccuracy on my credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information, and I request that this error be investigated and corrected promptly.

The inaccurate information is as follows : Account Name/Number : XXXX XXXX XXXX XXXX Inaccuracy : The report states that I have made 0 % of payments on time and that my payment status is XXXX days late. However, the report also indicates that my amount past due is {$0.00} and that my last payment was made on XX/XX/XXXX. These details conflict, as a {$0.00} past due balance suggests the account is current and not late.

Please investigate this discrepancy and correct the inaccurate information on my credit report. Enclosed are supporting documents to help with your investigation [ Include any relevant documents, if available ].

I request that the corrected credit report be sent to me at the address listed above. Additionally, please provide me with written confirmation of your investigation results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Make sure to customize the placeholders with your personal details and send the letter via certified mail for tracking.
Product: Credit reporting, credit repair services, 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. 

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

15 U.S.C 1681 section 604A. Section 2 : it also states a consumer reporting agency connot furnish an account without my written instructions.

15 U.S.C 1681c ( e ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I completed a lease buyout of my XXXX XXXX XXXX as of XX/XX/XXXX. 

I was sent the title for the vehicle with several errors on it included an incorrect buyers address as well as an incorrect odometer reading. This incorrect information is now preventing me from transferring the title to my name so I can register or sell the vehicle. 

I have called and submitted multiple requests to Hyundai Motor Finance and have been told for weeks that I would be receiving " affidavits of correction '' to reflect the correct information on my title so that I can transfer it to my name and register the vehicle in my name. 

On XX/XX/XXXX I made my second request for the affidavit of correction and was told the request would be complete in 3 business days. On XX/XX/XXXX I called again and was told the request was still pending and no other updates would be available. 

I have discovered that XXXX outsources this service to XXXX XXXX XXXX XXXX in XXXX Georgia. This is why XXXX is unwilling and incapable of doing anything but submitting new requests that never seem to get completed. They intentionally conceal the identity of the company they outsource the service to.
Product: Vehicle loan or lease

Excessive calling one day after due date .Even called on XXXX morning at XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage account with the account opening date of XX/XX/XXXX as it appears on the TransUnion credit report with the amount remaining {$110000.00} was paid off by our new lender, XXXX XXXX, after refinancing. The XXXX sent us RELEASE OF MORTGAGE letter dated XX/XX/XXXX, attached. 
The account still shows up as open, affecting our credit score.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/year> and I saw some hard inquiries that did not have permissible purpose. I have included evidence below : XXXX ) XXXX XXXX, XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
XXXX XXXX XXXX  XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
XXXX ) XXXX XXXX XXXX  XXXX XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
XXXX ) XXXX XXXX XXXX XXXX, XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.
Product: Mortgage

My Loan servicing was transferred from XXXX XXXX to Homeside on XX/XX/XXXX. I was told to make my first mortgage payment to XXXX on XX/XX/XXXX and all payments after to Homeside. I made the payment as instructed. I called Homeside on XX/XX/XXXX to let them know that the escrow portion of my XX/XX/XXXX was never transferred to them even though my principal and interest was applied and PMI was taken out of my escrow. I was told they would open a ticket to research. 

I called Homeside back on XX/XX/XXXX to inquire about this as my escrow balance was still not correct. I was told they did not open a ticket and that they were and right now and to call back tomorrow. I called in XX/XX/XXXX and the end resolution Homeside gave me was that it was not their job to look for my missing escrow and that they are just a servicer for Homeside. It has been over 60 days since my loan was transferred and they refuse to make an effort as my servicer to make sure they received all my funds, when i proved to them that they did not.
Product: Credit reporting or other personal consumer reports

I'm writing to bring to your attention an issue regarding my participation in the Equifax data settlement. Equifax has indicated that they need additional information from me, citing concern about the completeness of my submitted information. However, I have not received any formal request from Equifax for additional information. 
i would appreciate any assistance or guidance you can provide in resolving this matter and ensuring that my rights as consumer are protected throughout this process. 
Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX REF # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.