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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the fair credit reporting act XXXX  XXXX XXXX  account # XXXX and XXXX account # 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 a account without my written instructions one main
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these inquiries just showed up on my report
Product: Credit reporting or other personal consumer reports

For the past two months when I go to XXXX for an Experian Credit Report, I get the following message : Experian We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

Then goes on to say I can complete a form and mail it to Experian for my XXXX  XXXX XXXX XXXX now once per week. XXXX and XXXX, apparently, don't have the same condition preventing those two businesses from providing a credit report to me because I have gotten reports throughout the summer from them.

It's not especially easy to get a person on Experian 's phone number ( s ) but XXXX, I did speak to a woman at Experian. I explained the issue, the woman told me it was XXXX XXXX XXXX XXXX problem and I needed to contact them. I explained that I had and XXXX had sent me a letter telling me that I was only able to use the mail to get an Experian Credit Report. It was up to Experian. 

The woman disagreed with me after checking her computer. I would like to know what condition exists that prevents Experian from being able to allow me to get my credit report. What do I need to do to get my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts present on my credit reports with Equifax, XXXX, and XXXX but the credit bureaus have refused to respond to my letters. I have attached the latest letters along with the certified mail receipts to show that they have been received by the credit bureaus. 

Certified Mail Receipt numbers : XXXX Equifax XXXX XXXX  XXXX XXXX
Product: Mortgage

On XXXX/XXXX/2016 I called Amerihome Mortage and asked how to set up automatic payments thur my bank.They said it would be easy. ON XXXX/XXXX/2016 I got an overdue notice from they.I called and wrote and over phone check.On XXXX/XXXX/2016 they took out two payments from my checking account.I called on XXXX/XXXX/2016 and said I want my money back.They said they would send me back one payment.I got both back in checking .So on XXXX/XXXX/2016 I called them and wrote another check for a payment.For some reson that did n't get put in, so I wrote another XXXX on XXXX/XXXX/2016 to them.On XXXX/XXXX/2016 I got a call from them saying I still owed them two payments, i missed 04 and 05.I then faxed them my records .and was told I still owed two payments.ON XXXX/XXXX/2016 I got two calls from them, saying I still have to pay them two months payments.That day I think I talked to them 5 times.And they are not very nice.
Product: Bank account or service

There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not interview the originating company XXXX XXXX XXXX in XXXX, GA. The company was never contacted after I disputed the information. It is listed as a XXXX bill when this was a buy here pay here company. XXXX was able to verify this as not being a debt and removed it. XXXX XXXX didnt sell the car at auction and leased the car to another buyer. 
Trans Union also reduced my score by 115 points on my credit report within 30 days of having a XXXX score. Nothing was changed on my credit report. 
If you cant help me I will have to hire an attorney. Ive had false accounts removed from my report and it seems like that has occurred they are trying to punish me.
Product: Payday loan

Hello, my name is XXXX XXXX and I applied for a loan and was denied. I never received a denial notification or the reason for the denial. 

I 'm hoping that someone in your office could help me. 


XXXX
Product: Mortgage

XXXX Years ago XXXX XXXX bought a house. BOA 's lawyer made an error and added me somehow. They gave me 50 % ownership without my knowledge. When they discovered it and SUED ME this summer, I signed off within XXXX hours. My signature appears NO WHERE on their documents. Today I received notice they have hired the law firm of XXXX XXXX to sue me for the balance owed on a HOME I NEVER BOUGHT! XXXX XXXX convinced your offices they had fixed this mess but he did NOT. The home was discharged in a bankruptcy XXXX years ago.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. 
My credit report is reporting an account on my report from XXXX XXXX  XXXX which is indeed not my account. I would like this account removed. It is not accurate. I disputed this with XXXX, XXXX and TransUnion plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In gonerallf, atter 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 cannol 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

During COVID we took forbearance for some months. When we were able we began making our regular payments again. A few months later we were notified of time to repay our debt. XXXX. I was given almost no time to collect the money and repay out of pocket. I was force to modify our loan and lump the payments in. This was not supposed to negatively affect my credit for the rest of my long foreseeable future. If I was notified that I would not be able to raise my credit over XXXX XXXX years down the road I wouldve tried to find a way to pay in full, even with only the XXXX days I was given to pull the money together. I just got done being in forebearance and hardship, how would I have {$15000.00} to give them that fast. 

XXXX years later Im experiencing serious problems with my credit due only to a comment by loancare. I can not get a mortgage with reasonable rates. We are experiencing extreme stress as our family grows and because of loancare and this COVID forbearance I cant get a fair shot at reasonable rates.

Congress passed the CARES act so that this exact situation wouldnt happen to the American people just trying to make it. 

Please help me remove this remark from my credit. We always complied with loancare and they cant seem to comply with the simple laws of our congress. 

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

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNT ON MY CREDIT REPORT THT WERE NOT OPEND BY ME, THIS HAS BEEN HURTING AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REOMVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit card

On XX/XX/year>, there was fraudulent activity on my capital one card. There was a cash advance of {$120.00}, and then two payments made to my account for {$820.00} and {$100.00} - accounts that the individual had linked to my account that were not mine. I reported all three transactions as soon as I found them which was on the XXXX as the transactions were pending. A replacement card was sent and a day or two later, I received a letter stating that capitalone found my fraud case to substantiated. However, I am still being charged cash advance fees and interest, and have attempted to remedy this with the cardholder. IN addition, my account has now been closed due to returned payments, despite that I reported them multiple times as being fraudelent payments. I am being told that I must take corrective action immediately if I want my account reopened, however, this was FRAUD. I do not want this on my credit report that I had returned payments because I violated the user agreement and that my account was closed. I also should not be being told that I must take corrective action for fraud.
Product: Mortgage

Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.
Product: Checking or savings account

I am trying to link my account and for some reason they have stopped me from doing so i have had nothing but trouble with the bank since I opened my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

Filed several CFBP complaints which have not been resolved against National Credit Adjusters , LLC about inaccurate amounts and information on my credit report. They sent a letter stating they would cease all collection activities until fully investigated and I received all detailed information on debt, but they are still reporting negative update to credit bureaus and have updated account type from a debt buyer to a factoring company stating this is an OPEN account and it is not. Per XXXX XXXX response to complaint # XXXX this was a defaulted debt purchased/released back in 2016.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. 

Please remove the following items from my credit report, imediately Account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Despite XXXX XXXX clearing me of the debt, and stating they asked credit bureaus to seize all reporting, Portfolio recovery still negatively impacts my credit report, and harassing me for the debt I never owed in first place. 
Their dispute tactics is horrible, After they requested all the evidence which i sent they lie and claim I've never sent anything so I'm gon na attach it to this report, So it's clearly sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although transunion doesnt seem to believe they should follow the law and XXXX has not removed them either please have them correct these 2 accounts and transunion keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it. 

ONEMAIN Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment
Product: Checking or savings account

I had opened a business account with Relayfi. A few months later they informed me that they were doing an update from XXXX to XXXX. Since I did not go ahead with the transfer from XXXX to XXXX, they closed my account and informed me that they will be sending me the funds from my account as a check to my home. However, XXXX  months later I am still running in circles and unable to get my money from them
Product: Student loan

I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation.

The following items that I'm disputing are as listed : XXXX XXXX XXXXXXXX - {$9500.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Product: Credit card

I purchased some yoga classes that were supposed to last 6 months from date of purchase ( purchased XX/XX/XXXX & XX/XX/XXXX ) for the total amount of {$490.00}. ) After taking a class on XX/XX/XXXX I had a customer complaint with how class is conducted with the owner. Later than evening the owner sent an email stating my classes are canceled and I am not welcome there anymore. I did not receive a response from the owner when I asked for a refund. I filed a dispute with my credit card company Capital One and after 30 days in the dispute process they sided with the merchant. I attached .XXXX  documents with the email from the studio stating they are the ones canceling services. This is not moral, or ethical, and it is potential criminal to take money from someone and just decide on your own free will to not offer services. I am surprised at this outcome and seeking help.
Product: Checking or savings account

Upgrade, Inc. began sending me emails on Mon, XX/XX/2022, at XXXX XXXX  CT indicating that I had opened up a High Yield Savings Account, which I did not do. Since then, I have received at least XXXX other emails from Upgrade, including information to verify my email, to complete the setup of a Rewards Checking Account, and to rate the quality of customer service received. I contacted Upgrade support at approximately XXXX XXXX  CT on XX/XX/XXXX, to request that they disassociate my email from any account that they have since I have no relationship with them and do not want my identity to be compromised. Although I can prove my email address is owned by me and is not associated with Upgrade, they requested that I prove my identity by providing the last four of my social and my date of birth. Given that I have no relationship with them and felt uncomfortable providing sensitive information over the phone to a bank that I have never heard of, I asked if there was any other way for them to process the claim to remove my email information from whatever account was opened up using my email. 

I provided Upgrade with my name, phone number, and email address, but Upgrade said that was not sufficient to investigate the possible theft of my identity. Since I was uncomfortable providing them with the last four digits of my SSN and my date of birth, Upgrade stated they could not investigate my claim further.