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

TransUnion, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************TransUnion-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX/XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX COMPANY # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX  CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY TRANSUNION AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX/XXXX, AND XXXX XXXX XXXX. THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA.

**********************************XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX credit file. If XXXX can not or chooses not to conduct an investigation of the same ( 3 )  accounts that are being reported by XXXX and TransUnion, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Product: Student loan

I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Transunion has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting agency block inaccurate information that may be the result of identity theft. On numerous occasions Eqiuifax was informed THE FOLLOWING account information being FURNISHED to Equifax and reported by EQUIFAX is in fact inaccurate and they continue to report.XXXX XXXX ( XX/XX/XXXX ). This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, Engelhardt v Graven ( MO ) 281 sw 715 719 I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are inquiries being reported that do not belong to me and they are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). There should be no inquiries.
Product: Credit card or prepaid card

2mos ago navy federal gave me a 30day late which was there fault and they admitted it was there mistake, they told me I had to fix there mistake on my own so when I contacted you about the 30 day late they did correct it and because I contacted your agency they closed my account and have ruined my credit in the process. I have never been late with them the 4yrs I have had this account. This is a grave injustice to myself and I feel I have been XXXX XXXX because of this. I could see my account being closed if I was constantly late. That has never been the case.
Product: Mortgage

I received notice from XXXX insurance company that our policy is past due ( XXXX ) Contacted mortgage servicer ( Mr Cooper ) to see when payment was sent. ( XXXX ). Automated telephone system says the payment was made to " XXXX XXXX '' on XXXX for {$3200.00} Mr. Cooper needs to rescind payment to " XXXX XXXX '' and send payment to XXXX XXXX.
Product: Credit card or prepaid card

On 2 separate occasions, XX/XX/2022 and XX/XX/2022 I was solicited to apply for an additional line of credit at conclusion of me calling Bank of America on an unrelated matter. I actively manage my credit and at the time had 6 active credit inquiries on XXXX and XXXX on XXXX and XXXX. I was not actively seeking new credit and one of the reasons was that I didn't want to have any more XXXX  inquiries. On a recorded line I state this and am told that XXXX credit report would not be pulled and I then consent to apply for the card with the caveat that XXXX won't be pulled. I understand that the entire phone conversation to be part of my agreement with Bank of America. I am then declined for credit, which is exactly what I knew would happen, because not only did they not honor the agreement to not pull XXXX they didn't run any other Bureau report, doing exactly the opposite of what they agreed to and compounding the reason for the initial agreement. I called B of A and have filed several complaints after XX/XX/XXXX and was told that I had to file a dispute with the credit bureaus and the credit bureaus have told me I have to have it removed by B of A. With XXXX I tried to dispute this the only way they allow and that is as a fraudulent inquiry, which this is, but not the particular type of fraud their process allows for. I have spent several hours elevating the call after each rep told me there was nothing B of A could do and finally told that someone would call me back ( 2 occasions ) with one rep, after I asked what to do if I don't get a call back from a manager, saying he would follow up with me to make sure that didn't happen. This is such a minor issue ( yet major as it only affects XXXX points on my XXXX  report yet will disqualify me from receiving many types of new credit even though my XXXX  is near XXXX ) that shouldn't have happened, should easily have been able to resolved by listening to their own recording of our conversation, that has cost me countless hours, messed up my financial plans and is not something I would ever have expected from Bank of America ( to be solicited and lied to like an unscrupulous used car seller ). If this ever gets resolved it will probably too late to matter as the damage has already been done and we are coming near the 6 month mark but as a matter of principle I must pursue this and if for no other reason that B of A become aware, if they are not already, that there is a major problem if customers are being intentionally mislead. XXXX should have a process for disputing anything they put on my report that is inaccurate.
Product: Mortgage

I have mortgage with XXXX which originated in XXXX, XXXX. They used Loan Care for their mortgage payment processing. I submitted payments directly though them, although would occasionally also use The XXXX XXXX 's web page. On XXXX XXXX, XXXX I submitted my monthly payment to them using my credit union 's bill pay feature ( as I had done in the past ) I did not know that it had been transferred the previous month. I was told in XX/XX/XXXX, by the XXXX XXXX, that my XX/XX/XXXX payment was late. I then found out about the processing center being changed. I contacted Loan Care and asked them to forward my money, as they had in the past, to the XXXX XXXX, or to return my money to my account. I had used an electronic transfer, so it should be easy to verify. As of XXXX XXXX, XXXX they still have not forwarded or refunded my money, making my mortgage now 4 months late. I have placed numerous calls and emails to Loan Care to get this resolved to no avail. I call every XXXX days. Often, they will tell me they are waiting for information I already supplied. They tell me it is forwarded to a manager, and that they will contact me. No calls are returned. I have asked XXXX XXXX to help, since the loan originated with them. Nothing has been done.
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. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXX Dept Of Ed XXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXXXXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account XXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account XXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXXXXXX Account XXXX Date openedXXXX {$4700.00} 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 AN 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

Mariner Finance used ( hard credit ) without my permission
Product: Vehicle loan or lease

I was checking my credit report randomly and noticed that I had a collection account on my credit report from Flagship Credit Acceptance. I did further research to identify it and ended up sending them a letter stating that information is incorrect and does not belong to me and requested some type of documentation showing my signature or any type of additional documentation. I received a letter back from them with a contract and first thing I noticed was the name. The contract belongs to a XXXX XXXX XXXX that lived or lives in XXXX Texas, and shows a car a XXXX XXXX XXXX being purchased from XXXX XXXX on XX/XX/XXXX. I sent a letter back stating that contract does not belong to me, and went into details about that being someone else. I also included a copy of my social security card and my drivers license as supporting documentation on my behalf. Flagship sent back a letter claiming the debt was mines and sent me an itemized list with the same information as the previous contract that claimed was mines. Ive tried over the last two months to resolve this issue and have been unsuccessful. It is affect me my credit badly and affecting me from using my VA home loan to purchase a home and even get approved for many different things, since its a negative mark on my credit shows me owing XXXX to flagship. Ive exhausted all my means trying to show and explain the debt on my report is not mines. I have attached the contact they sent to me. Ive also attached the itemized bill and the letter I sent to them.
Product: Mortgage

My personal financial information was stolen from the servers of Greentree Servicing. We received a letter in XXXX regarding the theft from Greentree and an offer for free credit montering from XXXX with their ProtectMyID program. The program requires an activation code that is on the Greentree letter. Unfortunately we misplaced the letter. XXXX requires the code and Greentree is the only one who has the code. I have spoken to Greentree XXXX or XXXX times and each time a customer service agent or suppervisor tells me they will mail a new letter or call me back with the code. All lies. No new letter or phone call. Greentree is now XXXX. I would appreciate some help in getting a new letter or code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 
These accounts are listed as being 30-60 days late. I have never been late on this account. PLEASE REMOVE LATE PAYMENT FROM MY CREDIT REPORT 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Information Under 15 U.S.C. 1681o Dear Sir/Madam, Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I am notifying you of your negligent noncompliance with your obligations that have caused damage to my credit report. Negative items appear on my credit report that have not been properly verified, are inaccurate, or should not be reflected according to current regulations. 

I formally request the immediate removal of the following negative items from my credit profile : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Since the information reported is negatively affecting my credit profile inappropriately, I demand an investigation and the removal of the items listed above. If I do not receive a correction within 30 days, I reserve the right to pursue legal action for noncompliance with the FCRA, including seeking compensation for the damages caused.

Thank you for your prompt attention to this matter, and I look forward to receiving written confirmation of the removal of the listed items. Please feel free to contact me at the provided address or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Hello, There are three collections accounts on my report that are reporting continuously incorrect information for years now. 

I have disputed each one with the credit bureaus and the companies and they still remain on my report. 

This has affected my quality of life and living. I can barely get approved for housing and car dealerships want an arm and a leg down payment. 

Please help, I don't know what to do. I think I am a victim of fraud and this is ruining my life. Also, the credit bureaus XXXX and XXXX have reported an incorrect credit score to Lenders twice now.