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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX 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 card

Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, which are inaccurately reported as late, despite my punctuality.
Product: Credit reporting or other personal consumer reports

Credit report from Equifax and XXXX is completely outdated and have incorrect information which in result is hindering my credit score overall. It's significantly showing lower number and credit usage higher compared to the updated one in XXXX  which is XXXX. Requesting for upated or corrections indicidually would take too long and fear it would result to the same issue I had with XXXX  until I submitted a complaint here which then was promptely executed sooner. I got a faster update and issue solved much faster. I wasted too much time to try to reach them and resulting to waiting and nothing getting done in time. 

whenever I tried signing in I am locked out or suspended even when I request sign in help I am met with suspended or blocked temporarly. I get emails from both but unable to log in each time. 

It's hindering me from applying for student financial assistance .I recently had a credit check for applying for financial assistance and the score shown on their end is way different from what I see on my end because XXXX and Equifax refuse to properly update correct information.
Product: Debt collection

Received a notice dated XX/XX/2020, trying to collect a debt for XXXX, for which I've never had an account. It's not on my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this statement myself. The following collection and incorrect information should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the collection and incorrect information listed IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We had decided to open the card as we already have financed a car through US Bank. The rep I spoke with on the phone was very nice but very salesy and vague. She said everything I wanted to hear. After several weeks we did not receive the card yet and was told balance transfers can take weeks if not months. Months?! We live during a time I can buy stocks through my phone what do you mean? 

The card had to be cancelled and resent. The woman I spoke to agreed that the sales/closer team does talk a big talk to close the deal especially on clients they know have a high income like myself. I dont appreciate being swindled. 

I was doing the balance transfer with US bank because of an attractive offer and no other reason. We are now eating into months of the offer which means its really 4 months not 6 until I am hit with a penalty.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A hard inquiry was made by JP Morgan Chase on my credit file on XX/XX/year>. I have not applied for credit and do not believe that they had permissible purpose to pull.
Product: Debt collection

I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

On XXXX XXXX XXXX I tried to log onto my XXXX XXXX morgage site to make my monthly payment like I have done every month.  Keep getting a message something went wrong  please try again later. I called the morgage company personally and let them know my payment is due and can not make a payment the lady on the phone said everything is down we can not access your account I will make a note u called.
Product: Credit reporting or other personal consumer reports

XXXX To W

hom It May Concern : Pursuant to : 15 USC 6802 15 USC 6805 16 CFR 313 16 CFR 433.2 16 CFR 433.3 15 USC 1681 inaccurate reporting As a fed protected consumer, I am opting out of any and all authorization the consumer may have given you written unwritten, verbal and nonverbal per 15 USC 6802. I am rescinding authorization ; effective immediately and indefinitely. Also ; It is illegal to report transaction history ; update to paid as agreed immediately ; 15 USC 6805. The creditor has performed a violation of the collection laws of the United States found at 15 U.S.C. 16921692p The consumer, in reliance of the Codes and Regulations, as a federally protected consumer and debtor, believes that any statements then, now or in the morrow are simply billing errors presented by the creditor ( 12 C.F.R. 1026.13 ( a ) ). Accordingly, 16 C.F.R. 433.3 does not exempt the creditor from any claims or defenses as described in 16 C.F.R. 433.2 ( a ). As the consumer has the right to invoke his/her rights as the debtor in this consumer credit contract against creditor for the unfair a
nd deceptive trade practices stated herein as no contract after the date of XX/XX/, is exempt from 16 C.F.R. 433.3. 


Regards, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquires. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, Trans Union and XXXX  will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$0.00}.
Product: Mortgage

i started receiving mail that i had no insurance XXXX never had to send the insurance company payments, due to State Home Mortgage being responsible for sending payments to my insurance company.i never could get anyone to answer the phone or return my calls at State Home Mortgage.i called the insurance company ( XXXX XXXX  XXXX XXXX XXXXthey informed me the insurance was canceled due to non payment.payment was due XX/XX/XXXX, but they received the payment from State home Mortgage late on XXXX XXXX i had no insurance on my property, but State Home Mortgage charged me for having insurance at that time.the letters and statements sent from State Home Mortgage states i have no insurance, but they are charging me for having insurance within that time. this would increase my monthly payments {$290.00} and XXXX annually.State Home Mortgage went back in time and charged me for the months that insurance wasnt on the property.this is on my XXXX mortgage interest statement.please view the uploaded documents..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry by Ally Financial listed on my credit bureau reports that I dont recognize
Product: Money transfer, virtual currency, or money service

My family and I went to XXXX for my mothers XXXX birthday, XX/XX/year>. We wanted to do a water activity and I found a place online. The online site had pictures and location. The person was communicating. The person, XXXX XXXX is what he fond me hi name was stated I had to send payment to secure our spots since we was a large group. It was about XXXX of us. XXXX told me he only accepts XXXX. I went to my bank site which is Navy Federal and XXXX was a payment option. I sent the money on XX/XX/year>, XXXX payment since XXXX only allow you to send {$1000.00} at a time. I sent {$1000.00} and then {$540.00}. XXXX stopped responding once I sent payment. I search the address of the place online and it was an abandoned lot. I reached out to my bank the same day and I was told it was nothing they can do about it since XXXX is like a cash transaction. They told me its no way to dispute the transaction. At the time, XXXX did not have a contact number or information for me to contact. I tried searching online for assistance and there was nothing. I gave up on trying to get my money because I kept getting shot down.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX am and XXXXXXXX XXXX XXXX Dont send any mail whether its XXXX XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019 I requested verification of several accounts on my file. 

The data furnisher has not to date responded to my request. I have given them more than enough time to complete their investigation. They have ignored my request to update personal info such as my name variations, phone numbers, and address, along with them not providing requested info about verification of accounts listed above. under FCRA Section 611 Part ( A ) ( 1 ), i have a right to dispute inaccurate items and request verification without them using XXXX and they must respond within a certain time frame and they have not on both occasions. I am requesting they delete the below accounts immediately The accounts are as follows : XXXX XXXX 2 times/accounts ( XXXX only  ) XXXX XXXX 3 times/accounts ( XXXX XXXX ) XXXX XXXX 2 times/account ( XXXX XXXXy ) XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX XXXX ( experian and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

First, XXXX is correct. 

Experian and XXXX are not and I have contacted Experian, XXXX and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both Experian and XXXX show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. Captial One closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX  XXXX to see current credit card balance for my XXXX XXXX, I was unable to do because per XXXX XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XX/XX/XXXX- XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both Experian and XXXX  as a current account so that I am not continuing to be dinged for this account that no longer exists.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX an on Transunion it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. Did not consent to unauthorized inquiry.

2. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX Please ensure that all information is accurate. If not proven delete this immediately.

3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous 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, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00}.
Product: Debt collection

Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( VERICRED FINANCIAL SOLUTIONS LLC ) is unreachable, as well as the alleged original creditor ( XXXX XXXX XXXX XXXX. I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX XXXX less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.
Product: Credit reporting

There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,
Product: Mortgage

Re : case # XXXX : XXXX complaint is in response to the above loan. I have previously registered a complaint in regards to this issue. As a result I only received a refund of {$1100.00} instead of $ XXXXThe money was kept for XXXX months and they only paid the refund after the complaint was made. 
PennyMac stated they have applied the balance to my escrow account. They can not do that and they had to refund my whole amount. On the other hand they have increased my monthly payments saying that there is a shortage of escrow. Kindly look into this and help us out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of Transunion reporting, Transunion lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of Transunion. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of Transunion, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.
Product: Debt collection

I had a car financed through Ford Motor Credit back in XXXX, and in XXXX I lost my home through foreclosure and had financial hardship. I later surrendered the XXXX XXXX  and it was charged off and went on my credit report and was charged off and remained until XXXX of this year.
Product: Debt collection

I was contacted by phone and advised of this collection. I gathered information from the agent and emailer my police report and FTC report advising Oliphant this was not my account and I had been a victim of identity theft. I was told that was all I needed to provide to close account and they are now reporting to the credit bureaus.