23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I went into forbearance with US Bank due to covid concerns and requested to end the program on XX/XX/XXXX. They were supposed to provide with paperwork to complete the request and did not. I contacted them on XX/XX/XXXX asking about the paperwork and was immediately sent it via email. It stated I had until XX/XX/XXXX to sign and file the final paperwork to defer payment to the end of the loan and officially resume my regular payment. I called on XX/XX/XXXX because i had still not received the paperwork. I was told it was still in underwriting and they were backed up. I called again on XXXX and was assured they were working on it ad someone would get back to me. Again i called on XX/XX/XXXX and was told they were going to escalate the issue and would get back to me ASAP with a resolution. Today XX/XX/XXXX, after not hearing back from anyone, my loans was placed into collections with no notice or information from US Bank as to why, or any paperwork to defer payment and finalize my forbearance. US Bank has failed at all turns to resolve this situation. I resumed payments on XXXX and the funds were placed in suspension.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my credit information to the correct information!!! Everything on there is messed up!! Even my name wrong man, no they are gon na end up paying for this TRANSUNION your going to end up paying for damaging my credit!!! why are not updating my CURRENT ACCOUNT!!! Why are closed accounts STILL OPEN?!! And you didnt even update none of my balances!! .I want a settlement!!! Fix my credit report NOW!! and I want a settlement!!! 

My name is also spelled XXXX XXXX XXXX fix that!!! You never fixed my name!!! Im tired of transunion messing my account up!!! Its always them that wan na correct information late!! And i still didnt get all the points i lost over the fraud!! I lost XXXX points over a accout that was supposed to be closed!!! Transunion is the only company left keeping it open!!! After being told it was closed and settled multiple times!!! They have to fix everything Im no where near satisfied
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

ask for validation of debt over 30 days ago and they never sent it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters to XXXX, equifax, XXXX  and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX
Product: Credit reporting

According to Experian there is a XXXX account in my name that was opened before I was even born ... I have no idea what this is as it is not mine and I am afraid it is identity theft.
Product: Credit reporting or other personal consumer reports

I accordance with the Fair Credit Reporting Act this collector has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ) section 6 0 4 a section 2 ( it also states a consume reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

We reached out to Concentric Receivable in attempt to get the accounts verified and get proof of verification but I have yet to receive any type of response. We sent a letter for verification of debt for two accounts on XX/XX/20.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed  : {$4500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX  XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct this erroneous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, my personal information has been used fraudulently. Unauthorized inquiries have been made on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following inquiries be blocked and permanently removed from my credit file. 
Unauthorized Inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit.
Product: Debt collection

keep on receiving notices for a debt collection company called National Credit System, Stating that I owe {$170.00} from a company I have never been associated with, I never dealt with that company or owed them money. I spoke to National Credit System, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.
Product: Credit card

I was having hardship after covid spoke to a foreigner who could barely talk said they have no programs to assist. Once my XXXX kicked in made a payment but account now closed. Catch up plan was a plan to make payments every freaking XXXX weeks say if u didn't agree they would close account so I agreed to save account. In the past I've never had problem but soon as I need hardship option nothing available to me.Been a good on time paying customer
Product: Credit reporting or other personal consumer reports

I looked at my credit reports, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Debt collection

To whom this may concern, In 2012 I believe I XXXX Discover card was placed in my name. I have working to get this off my credit for a while. I would receive calls and bills regarding this card but never knowing where it came from. I also tried to pay on it since the bill came in the mail, but it kept being used over and over again. I want this card off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit / ID security breach XX/XX/XXXX. Issue resolved XX/XX/XXXX. Experian removed the fraudulent activity from my credit report, but my credit report did not return to the pre-breach score. The stolen ID fraud activity reduced my Experian score by 12 points. After the correction, it increased by only 6 points, which causes my score to dip down below the next credit level by 2 points. Experian refuses to repair or even make a note in my file about the event, which will impact my ability to secure a lower interest rate on a purchase.
Product: Credit reporting or other personal consumer reports

EQUIFAX AND TRANSITION ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT REPORT : XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I called into Capital One 's executive office to request a reconsideration of my credit line increase request placed online on XXXX/XXXX/15. I was informed by XXXX from there execuitive resolutions team that a new manual credit line increase application could be submitted and that they would do a soft pull on my credit. I agreed and I requested a credit line increase to {$25000.00}. A few days went by and I noticed that my credit line was increase by {$1500.00} to {$12000.00}. I called back in and the pin code that XXXX had given me to get to the executive resolutions team no longer worked. I spoke to a few associates who got me over to XXXX who was the senior account supervisor/senior customer advocate for capital one. When I asked to be connected back to the executive resolutions team she informed me that it was n't an appropriate call to go to there office. I asked her if she could have a letter sent out to me like in the past that explains why my credit line was not increased to the requested amount. She put me on hold for quite a long time and came back and said that the executive resolution team does not provide that information. I explained that in the past that I received that from them. She called back again and was told that reasons are only provided when a customer chooses not to accept a partial credit line increase. So I asked to be transferred again to that department so that I could re-apply for an additional manual credit line increase request and this time I would inform them that I would not accept a partial credit line increase so that I could get a letter that tells me why I did not qualify. 6 months ago when I have placed this request I was able to get a letter and the letter said I did not qualify because I did not have similar credit lines with other lenders. Now that I have had similar credit lines with other creditors I was n't to see why they will not approve me for the requested credit amount. 

XXXX reiterated that I did not qualify at this time as the credit line increase was only approved for a partial amount and stated that it was " the highest I qualified for ''. I indicated that the Equal credit opportunity act requires that my application be taken. She indicated that she could get me over to the automated system to fill out the request. I told her that I already did that on XXXX and the system will not approve any requests for a credit line increase if you have had a change in credit line in the past 6 months which was confirmed with there executive resolutions team. That it was a violation of my rights to not transfer me to the team to apply for the manual credit line increase was discouraging and refusing to take my application for credit. If they allow one customer to go through this process they must let all customers go through the process every time they request it. 

When I asked her if she was refusing to let me speak with someone who could place the request she reiterated she did not believe that it was appropriate for her to transfer me to the executive resolutions team. This is a clear violation of fair lending laws.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.
Product: Mortgage

I'm having the same problem I've had for the last 8 years with my loan servicers. Originally with Litton loan, who passed me to Ocwen, who has no passed me to PHH mortgage. THEY ALL REFUSE TO EXPLAIN TO ME THE {$72000.00} THAT WAS MYSTERIOUSLY ADDED TO MY MORTGAGE BALANCE. No referred to as a " DEFFERED PRINCIPAL BALANCE ''. Been paying on this house now for 23 years 3 months and should be closed to being paid off ... ..they say I owe $ XXXX on an original $ XXXX balance and all I want is for them to show me how this is possible ... .none of them will not. What I need is for them to either explain it IN DETAIL or remove it as it should be. There is no way possible their numbers can be correct!!!
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at my credit because I need to start helping my mom pay for your medications. I went to the bank and they denied me and stated I have too much debt. So I went back to look at my credit throughly and saw some things on there I dont know where they came from. I was told you all can help me. Im doing this on my own and would like for all the remove these items. I reached out to you all about XXXX weeks ago and havent heard anything. Please have the credit bureaus to take these accounts off my credit XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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

Id theft victim. just checked my credit and found this these accounts are not mine XXXX  XXXX XXXX XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}