23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, I am writing in regards to a balloon loan agreement for my property, On XXXX XXXX I received a copy of a balloon disclosure stating that I applied for a loan modification that required a balloon payment of XXXX due as a single payment in XXXX XXXX. I did not sign such document as evident by the forged signature, absence of a wet signature from the loan servicing company officer and sign date.As a result, l have reported this findings to the fraud department and filed a formal incident report with the XXXX XXXX Police Department.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This company Branchapp, I've already submitted a previous complaint but they said they could not do anything since it was not reported on time for the dispute. Although I've contacted them before through call about the unauthorized transactions on time and they said they would take a look at it and contact me through email if they need any more information but I never received anything from them. I need my money back ASAP! I will be moving this case to the court if I don't get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to XXXX XXXX XXXX to run my credit. THEY RAN IT MORE THAN 5 times and hit my report with hard inquiries. I just bought a car from them in XXXX It needs to BE FIXED I demand these hard inquiries be deleted.
Product: Debt collection

I spoke with National Credit Systems , Inc and setup an a 12 month going payment arrangement for repayment of my debt to XXXX XXXX XXXX  XXXX, XXXX XXXX, in the amount of XXXX that began on XX/XX/XXXX, which will be complete in XX/XX/XXXX. In spite of this they continue to send the attached letters which state that any future landlord or credit grantor should not consider this as confirmation of an on going arrangement. This seems to be a violation of my rights as a consumer who in good faith has worked out an agreement with this company, which in my perception threatens to intentionally harm my credit and prevent me from using this arrangement as a positive payment history after an agreement has been made. Also, they do not receive checks from me the only way that the representative told me that I could make payments was with a debit card and they are falsely reporting that I'm submitting checks to them.
Product: Student loan

I called Navient today to inquire about the Federal government extending a forbearance and 0 % to people with student loans. After sitting in the phone tree for 10 minutes, I was given an option for them to call me back. I was never called back. NOT HAPPY! 

I've already paid over 3 times the amount I borrowed and still owe over {$10000.00} and this new law would help my family very much. To have Navient not even call me back is not acceptable, especially considering how much they have made on me.
Product: Credit reporting or other personal consumer reports

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of 2019 to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of 2019, a XXXX XXXX XXXX merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. The XXXX XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Product: Credit reporting or other personal consumer reports

I have file multiple disputes to get the items removed from credit report with Experian and they take longer than 30days to come back and say it is accurate how its it accurate and I am disputing it and have been for past year
Product: Debt collection

I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.
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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 or other personal consumer reports

In accordance with the fair credit reporting act several accounts have violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX, XXXX, and Transunion have gone this repeatedly on my credit reports. 

I am requesting that the information be corrected, and removed immediately as it is damaging to my credit report in trying to obtain any kind of credit to prevent homelessness, and other funding options. 

I am forwarding this information also to my attorney. 

Thank you cfpb for your attention to this matter. 

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

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

The information was not provided by Equifax by XXXX XXXX. The debt is not verifiable and should be removed. The first date of Delinquency from XXXX XXXX XX/XX/year> and this the date that it should also be used by any collection company upon transfer according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was well aware that I was in the hospital with XXXX when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX and purse that was retrieved in this illegal repossession.
Product: Credit reporting

There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance Owed : {$180.00}
Product: Credit card or prepaid card

Applied for a credit line increase with Walmart Capitol One and I was denied based on my credit score. However, I applied in XX/XX/ 2022 and a credit score was used from XXXX of 2022. I reached out to them and I was advised that it was the score sent over from XXXX and to contact them. Upon contacting XXXX I was advised there is no activity from Walmart Capitol One. The company did not pull a credit score and denied me twice based on an old credit score, and once based on delinquencies that I do not have. Now they want me to send them proof that they did not run an inquiry on my report by sending a letter to them with a credit report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX  XXXX Bankruptcy XXXX XXXX  XXXX BankruptcyXXXX
Product: Debt collection

I am in receipt of Dynamic Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$730.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Dynamic Recovery Solutions & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed & faxed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Dynamic Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Dynamic Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Dynamic Recovery Solutions letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Dynamic Recovery Solutions has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Product: Credit reporting or other personal consumer reports

My student loans was paid off XXXX, XXXX due to fraud they had done. I have a XXXX balance and have the documents from nelnet. Nelnet did report it as that. Someone went in and earned it and placed the loan back to a XXXX balance and I did find out only cause I track my credit. It was around XXXX of XXXX when they changed the credit balance from XXXX, XXXX XXXXNelnet had placed even XXXX dollars and I owed nothing and than it was tampered with by someone else who went in and placed a balance that I didn't owe.
Product: Credit card

TD Card Services continues to disregard my email with supporting documents even after I sent it to them XXXX times and after they had stated if I had any further concerns to email them " After review, the claim was denied. '' I demand a copy of TD Card Services so-called review and alleged information they relied on that affected their decision to deny my dispute, being I had faxed their office a clear copy of my bank statement from my other credit card account showing the same exact charge, from the same exact merchant, on the same exact day. ( Supporting document that I had faxed to them is attached to this complaint ). And if they try to say they never received my fax, I have proof that they did in fact receive it ( Also attached ). 

Additionally, TD Card Services never argued me stating that I had faxed their office a letter on XX/XX/23 and I never received a response. That is because they had no documentation to back up their claim that they did in fact respond, because they never did. 

Lastly, I am just now realizing there were XXXX claims attached to my dispute, which is an indication that someone mishandled my claim, which possibly screwed up the reason for it ( paid for by other means ), which could have played a role in why my dispute was even denied in the first place. Please see both letters from TD Card Services attached to this complaint, you will see there are XXXX completely different claim numbers assigned to the same dispute. Not to mention in the first letter under the first claim number, they stated they were 'lacking details as why customer is disputing the transaction ', even after I had told the agent over the phone why I was disputing, and also even after they received my fax with the reason and supporting document the day before they sent that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$4000.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$1300.00} XXXX XXXX {$1100.00}
Product: Debt collection

They call me every single day and the file date is from XXXX but the account became unpaid in XXXX. I just recently started working and I dont have money to pay them and I expressed to them on the phone I could not speak to them while Im working and they continue to call from multiple phone numbers.
Product: Debt collection

i been paying this sence XXXX i asked them to send bill. they said no. just send money. they wont send a bill but will add interest and late charges. i dont know how much i owe anymore. it 's been along time.
Product: Debt collection

I attended XXXX University in the fall of 2021. They took away my scholarships and didnt let me know they would not take financial aid. I was supposed to have pell grants and loans but I was not allowed to use either. Now I have XXXX in debt sent to a collections agency and my current school will not let me graduate until I get my official transcript from XXXX university.
Product: Debt collection

I had opened a phone account with XXXX XXXX in XXXX. I stopped paying on the account in XXXX ( exact date unknown ) when I lost my job and could no longer afford my phone. Eventually, the account went to a collection agency in XXXX I believe. However, my credit report shows the collection account was opened in XX/XX/XXXX but that is not correct. That may be when the account was sold to the current agency, but the account was originally reported in XXXX and therefore, is too old to appear on my credit report. I have disputed this with XXXX several times but the issue remains unchanged. I have contacted XXXX XXXX to obtain only the dates of which I opened my account with XXXX and the date of which the account was closed due to non payment. The representative I spoke with refused to provide this information to me because I was no longer a customer and was told I would need to contact the collection agency with any questions I had. However, if I reach out to the collection agency, this will restart the time for which the account will appear on my credit, another XXXX years. I am submitting this complaint against XXXX XXXX for the fact that they refused to provide me with information pertaining to my own account after providing requested personal identifying information to verify my identity. As a consumer, I should be afforded the courtesy of accurate information requested while investigating my own account information. Instead, I was treated unfairly and spoken to in a manner that was highly disrespectful. I believe XXXX XXXX is withholding information pertaining to my account unlawfully and I want this investigated immediately. Thank you
Product: Payday loan, title loan, or personal loan

Representative specifically suggested a co-signer for my loan application be my HUSBAND. I am not married. I have an EX husband and applied for credit SOLELY. My rights were violated in that it was suggested he be my co-signer. I was not approved for the loan because he wouldn't co-sign it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, and I have identified fraudulent activity on my credit report. I request that the following account, which is a result of unauthorized activity, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX  Balance : {$0.00}