23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene financed submitted a letter dated XXXX/XXXX/XXXX concerning Case # XXXX on XXXX/XXXX/XXXX ( Validation of Debt Notice ). This letter was never delivered to me. We were not given the opportunity to dispute this debt since Selene DID NOT send it to us. If it had been sent, We would have definitely disputed the amount. We were current on our mortgage until XXXX, XXXX, when we fell on hard times. We were granted a Forbearance from XXXX XXXX through XXXX XXXX, which we satisfied, therefore, how can Selene say we are in default beginning XXXX XXXX? XXXX! Now XXXX entities are Dual Tracking - XXXX & Selene Financing. Selene is in talks with us concerning various modification options and XXXX continues to proceed with foreclosure. We were not given our Due Process because we were not informed. We have found many documents recorded in the XXXX XXXX 's office claiming XXXX mailed or delivered documents to us, were NOT mailed or delivered to us. We will continue to notify govt entities and make them aware of these unscrupulous acts.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am submitting this letter to formally dispute several fraudulent accounts that have been reported under my credit profile. I have been a victim of identity theft, and I request an immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX The unauthorized reporting of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring fair and accurate reporting of my credit information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Protecting against unauthorized use of my credit information.

Please find attached documentation supporting my dispute, including a personal statement regarding my identity theft.

I request that you investigate and remove these accounts from my credit report promptly. If additional information is required, please reach out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I previously submitted a dispute for XXXX HOUSE where I showed that my dispute letter was returned from the post office because the address did not exist. In your response you stated that you updated the prior payment history as requested however upon checking my report it only shows that the balance was updated to {$0.00}. The payment history still shows incorrect late payments for the months of XX/XX/2021 and XX/XX/2021. Please review the attachments and update my payment history for this account.
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 : GROW CREDIT INC Account number : XXXX 15 U.S.C 1681 section 602 A Subsection 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  # XXXX and Caine and weiner has violated my rights.15 USC 1681section602A.states I have the right to privacy.15USC.1681.section604Asection2.it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681 c.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 then records of convictions of crimes which antidatesthe report by more than seven years.15USC1681=2a1a.a person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The following accounts listed on the FTC report were unauthorized and resulted in my social security number being used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to XXXX Secured Credit account ending in XXXX opened in XX/XX/2020. Despite having made timely payments during the last four moths, neither XXXX or its parent company XXXX XXXX, XXXX. have reported this information to credit bureaus. The ONLY information reported to Experian appears to reflect that my account is in " dispute '' status. I have telephoned both XXXX and Experian directly to inquire about this 'anomaly '. Both remain unable to provide a logical explanation for this on-going issue. Both companies seem content with 'passing the buck ' or blaming the other while suggesting that I contact them. 

To date, this issue remains unresolved. 

I opened this secured line of credit and agreed to pay the exorbitant fees and interest rates required by this financial institution with the expectation that information about my credit usage/activity/payments would be reported to the major credit bureaus every month. According to Experian and Experian.com this has not been happening.
Product: Credit card

On XX/XX/scrub> 2024 I applied for a secured credit card with first progress and once applied I was told that I could put a deposit towards the card to be funded. I deposited {$510.00} to my account on the impression that I would be approved for the secured card. I called on the status of my application in XXXX, however my application was denied due to my paperwork not received in time for verifications, and I was told that I would be reimbursed back the deposit for the secured card which was the amount of {$510.00}. I waited for over a month and a half and no refund. I called and was told It was reimbursed back to my account but my bank stated no refund was given to my account. I reached out countless times from XXXX until now and no reimbursement has been made to me. I have constantly asked them but they have still never reimbursed me for my deposit that was guaranteed refundable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of debt from Equifax regarding an inaccurate account reporting to my credit report. Ive disputed the account twice and Equifax has yet to furnish the proper validation of debt. Ive contacted the collection agency responsible for the debt, XXXX XXXX XXXX, and what I received was a generic printout of an account activity. I have not received sufficient validation of debt from either parties. 

Please review supporting documents attached.
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 right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 reports by more then seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Trident Asset Management has violated my rights. 15 U.S.C 681 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 an account without my written instructions. 


TRIDENT ASSET MANAGEMENT ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX {$790.00} Original XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference XXXX 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: Debt collection

Jefferson Capital has been calling me every day, sometimes multiple times from various numbers. I do pick up and tell them to please stop calling as the debt was disputed with XXXX yrs ago, who then sold it off. The debt has been repeatedly sold. Im now getting calls for this from XXXX. Maybe it got sold by Jefferson to them? This is getting out of control.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with the relevant credit bureau ( Equifax ) requesting that they verify the accuracy and legitimacy of this account in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify this account correctly, despite their legal obligation to do so. As a result, these charge-off account remains on my credit report, causing significant harm to my credit score and overall financial situation. 

The detail of the account appears as follows : Account Number : XXXX Creditor : XXXX XXXX Last Reported : XX/XX/year> Since the credit bureau could not verify the accuracy of this account, I have reason to believe this account is fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent account remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed. 
FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : the dispute letter, FTC report, identity and address documents, account disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Money transfer, virtual currency, or money service

{$1000.00} {$980.00} {$980.00} {$600.00} on XXXX of XX/XX/year> I reached out to cashapp an they only told me dates an I checked my activity with them an I didn't see any reverse transaction between cashapp an XXXX an they wouldn't answer any of my requests for proof of the reverse
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 section : it also states a consumer reporting agency can not furnish a account without my written instructions. AccountsXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN ; DISPUTE/CLIENT RESOLUTION SPECIALIST RE : UNVERIFIED ACCOUNT Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : -- XXXX XXXX  XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned account. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove said account from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name my social security number is XXXX XX/XX/78 my complaint is that XXXX XXXX credit didnt removed the account s with dept of ed XXXX theirs a total of 14 acconts all accounts are fraud account number XXXX along with several other accounts please have XXXX XXXX removed these accounts from my credit report its affecting me. All negative accounts are fraud
Product: Student loan

I have hit a brick wall with Navient. I sent an email to Navient on or about early XXXX, 2023 requesting a refund of payments that I made during the the XXXX pause, totaling {$16000.00}. The first response I received from them was XX/XX/2023, which was from XXXX XXXX, XXXX customer Advocate. The letter explained that they needed time to look into the matter. On XXXX XXXX I received another letter from same person explaining why my request could not be granted ; basically explaining that my loan did not fall under the Cares Act, which is why the payments continued to be deducted from my bank account, and the interest continued to accrue. These people are heartless and should never be allowed to service another student loan. I even had to enter a code in order to receive/open the letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please look into this matter, and help me to get my Covid pause payments refunded. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

My husband and I are in the process of doing a refinance on our home and have been placed on hold because they found an account that should not have been on our credit report from Discover Card we have not had a Discover card in almost 10 yrs and we were unaware of any problems until now we never received any billing statements I also have been keeping track of our credit report for several years and discover card was never on there until now and we did a refinance on our home back in 2015 and it was n't there then either I feel as if I am being ripped off and I can not believe such a large company feels the need to lie and steel from low income familys
Product: Credit reporting or other personal consumer reports

My credit report review revealed several billing mistakes, particularly late payments that dont reflect my usual behavior. I kindly ask you to resolve these errors and update my account. Thanks!