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

I have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.
Product: Debt collection

I had an internet account with XXXX ( now XXXX ) upon moving into my new apartment back in XX/XX/XXXX. Upon my roommate vacating the apartment in XX/XX/XXXX, he returned the equipment and verified there was a {$0.00} balance on the account. A few months later around XX/XX/XXXX I checked my credit report to see a collection in the amount of {$200.00} from Waypoint Resource Group representing the creditor XXXX XXXX XXXX that was opened XX/XX/XXXX. Waypoint never contacted me about this collection at all and the only reason I knew about it was by checking my credit score. I have tried to dispute this fraudulent collection with XXXX XXXX to no avail. I have also contacted XXXX between the dates of XX/XX/XXXX-XX/XX/XXXX in regards to the account and they have repeatedly stated that they see a {$0.00} balance on the account and the account was never sent to collections. Because of this fraudulent collection being placed on my credit, my credit score has plummeted at least 50 points on both my XXXX and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX XXXX violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violations of several laws under The Fair Credit Reporting Act. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Wells Fargo Home Rebate card which I pay in full monthly. On XX/XX/XXXX, I logged in and scheduled my payment in full of {$4000.00}. I erroneously scheduled the payment for the same day rather than the due date. I realized the error immediately and tried to cancel the payment. There was no option to cancel. I called Wells Fargo and the representative said he would cancel the payment when posted. I wanted to make sure there was no effort to present the payment. I was told that it shouldnt. Unfortunately, the payment was presented to my bank which cause many issues with my account. I called on XX/XX/XXXX to see when the reversal would take place. I was told it would take 20-15 business days. This is absolutely ridiculous for an error that I should have been able to correct online. Within 10-15 business days, the regular payment will be due causing more problems.
Product: Credit reporting or other personal consumer reports

Two of my credit reports include incorrect information related to my student loans. My student loans were transferred from the Department of Education to Mohela in XX/XX/year>. However, two of my reports ( XXXX, from XXXX XXXX, and XXXX ) continue to report an open balance of {$83000.00} with the Department of Education. 

This is harming my ability to get loans and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter. 

This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.
Product: Credit reporting

TransUnion company has been billing my credit card a monthly fee of {$17.00} since XXXX/XXXX/2015 for a service that I never requested, never approved and never received. Even after I obtained a new credit card because the firs one was lost, they managed to obtain the information of the new one and keep billing me for that monthly fee that I do n't know what it is about and never received any notice of it. I have search the internet trying to get information about this service and nothing appears except for people that had the same theft from the same company. I am including screenshots of all the monthly bills with the number of the order and the amount and also the only document that i was able to find stating the different prices for the different services that TransUnion Company have.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$6800.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Balance : {$4200.00}
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, who's studying 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

CRA violation no knowledge of the fraudulent collections account on my Experian credit report. FTC ID Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries on my Equifax Credit report are correct except ( XXXX XXXX XXXXXX/XX/2022 ), ( XXXX XXXX XX/XX/2022 ), ( XXXX XXXX XXXX XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX ) these are unauthorized inquiries on my credit reports an I have mailed several disputes and see no changes!
Product: Mortgage

We sold our house and the title company has been trying to get the payoff for 2 weeks. On Friday they told us that every time we call them it delays the request for the payoff. We aren't going to close on our house today and now the buyer is ready to walk away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I attended school at XXXXXXXX XXXX  in XXXX, Tennessee in XXXX  I began having XXXX and other XXXX XXXX XXXX XXXX XXXX XXXX. XXXX weeks after the beginning of that semester, I contacted the office to let them know I was going to have to unenroll due to the health conditions that I was experiencing. The office took several weeks to get everything together. A few months afterward, I received a phone call from a debt collection company, XXXX and XXXX. The person that I spoke with told me they were representing XXXX XXXX  and were looking for repayment of the student debt. I told this person that I was unable to pay anything on this account because I am a XXXX individual who receives Social Security and SSI. I do not even get {$1000.00} a month. The person that I was talking to began asking me to take another loan or ask a family member to either pay or loan me the money to pay the account. I found this very rude and inconsiderate and hung up. However, they are continuing to call.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX **To whom it may concern : ** I am writing to express my severe disappointment and frustration with XXXX 's handling of my credit disputes. Your recent response stated that the accounts listed on the FTC report were not present on my credit report. However, upon reviewing my most recent credit report, I found that the XXXX XXXX XXXX and XXXX XXXX accounts are still listed, contrary to your assertion. 

# # # Reinserted Items : XXXX. XXXX XXXX XXXX - **Account Number : ** XXXX - **Status : ** Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$7900.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff XXXX. XXXX XXXX - **Account Number : ** XXXX - **Status : ** Account charged off. {$4500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$4500.00} - **Date Reported : ** XX/XX/XXXX - **Remarks : ** CONSUMER STATEMENT LITIGATION PENDING. 
- **Payment Status : ** Collection/Chargeoff These accounts were previously confirmed as deleted following my disputes, as documented in the following CFPB complaints : - **CFPB Complaint No. XXXX ( XXXX XXXX XXXX  ) - **CFPB Complaint No. XXXX ( XXXXXXXX XXXX ) Your failure to accurately maintain my credit report and the reinsertion of these accounts without proper notification is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). This incompetency has significantly impacted my credit score, causing undue stress and suffering in my personal and financial life. 

I demand that these accounts be immediately deleted from my credit report within 24 hours. Your prompt action is required to rectify this situation and to prevent further harm to my credit standing. 

I am enclosing copies of the relevant documents, including the recent XXXX response, the latest credit report, and the CFPB complaint responses confirming the deletions. I am keeping detailed records of all communications regarding this matter. 

Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Im writing yet again in hopes you can intervene to get US Bank to review our loan honestly and accurately, and keep a family in their home. Right now we are being reviewed but US Bank keeps losing our paperwork, and has been tracking our home for foreclosure while we are in active review. I was told that if we submitted the paperwork for a review 37 days before a sale date, we would get a fair review, and this has not happened. 

As I stated in my prior complaint, the issues started when due to health reasons I lost my job of ten years, at XXXX. My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. It was, and is still a nightmare. I have to fax every form in three or four times. Every time I call in I speak to someone new. I have an application with them now, and just today was requested a form I have sent in twice. When I said I sent it in, the person checked put me on hold for thirty minutes and eventually found it! 

While my file is being reviewed, they assured me my home would not be sold. Imagine my shock when I came home and found another notice on my door that the home is going to be sold at the end of the month! I called and they told me that the sale was rescheduled for XX/XX/XXXX,  but I have already been told on three occasions that there wouldnt be a sale date scheduled until I had at least had my application properly reviewed.
Product: Credit card or prepaid card

I went to pay the full statement balance of my Wells Fargo XXXX XXXX credit card today and the website was unable to inform me what the payoff amount for the statment was. I had already made a payment to avoid going over the credit limit and there were several refunds that had posted to the account before the end of the statment period. The website would only provide me with the total payoff amount ( which includes current purchases that are not subject to interest until the new statement period ). 
Every other credit card I have gives me three options, the minimum payment, the statement payoff amount and the total payoff amount. Wells Fargo does not provide you with a running total of the statemant payment amount.
Product: Debt collection

XX/XX/XXXX ( XXXX yrs, XXXX mos ) This account was closed on XXXX XX/XX/XXXX CCB/XXXX Last reported XX/XX/XXXX Payment status In Collections/Charge-off This is not my account I reported this account over XXXX time and they still have not taken it off my credit report they marked it as as charge off when I told them XXXX time this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX XXXX  for years. I had gotten behind a little $ XXXXbut they added  interest to the balance but on my credit report they put that I haven't been paying on that balance and I have been paying the balance I've tried to dispute the west   Virginia XXXX XXXX through Experian and XXXX. Neither one of them fixed the problem and it's hurting my credit because it saying I'm not paying anything on the balance but now I'm paying off the balance because my child is not getting the support by law they stop taking the support because she's XXXXand has graduated school. I would like it to say that I've been paying on it the whole time I have proof and would like to see that I'm presently paying off it now thank you
Product: Mortgage

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX filed foreclosure proceedings against the estate of XXXX XXXX and the United States of America and Secretary of State of Housing and Urban Development but no relief was sought from the United States. XXXX XXXX filed a counter claim for fraud which was denied by the judge for lack of material evidence. XXXX then filed a Cease to Desist on the foreclosure attaching an independent forensic audit done on the mortgage and loan that confirmed fraud and violations of TILA, RESPA, FCRA, and ECOA noting the file was missing these initial and final disclosure documents. The original promissory note was requested because the ORIGINAL " lender '' was PRIMARY RESIDENTIAL MORTGAGE and according to the audit, they are the ones that bear the burden of foreclosure. The note and deed have been seperated so the title is no longer perfect, and the judge denied the claim and the same day granted XXXX XXXX XXXX XXXX XXXX a summary judgment against the estate of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX NA XX/XX/XXXXXXXX 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

Dear Credit Reporting Agency ( XXXX XXXX or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
COLLECTIONS XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} On time XXXX XXXX XXXX {$3800.00} On time XXXX XXXX XXXX {$1900.00} On time AD XXXX XXXX XXXX {$320.00} Needs attention HIGH XXXX XXXX XXXX XXXX {$190.00} Needs attention XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.