23daVinci/CFPB_Complaints huggingface dataset:
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 719transunion has me at a score around 590. 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 XXXX 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 three 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 .This 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 severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card

Okay so on my credit report I says I have a XXXX  credit card and I dont I dont know if they are confusing me with my dad or someone else so I tried already 3 times to dispute the past 2 months and they say the information is correct and it is not I dont have a XXXX  card just a XXXX XXXXXXXX and I owe XXXX $ that I did not use it popped up on my account I have no access to this credit card I tried to close the account and I did but it is hurting my score and I tried everything
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and XXXX, XXXX and TransUnion refuse to move fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

Its been a year since i found out that XXXX credit card was opened without my consent. I have disputed it, that didnt work. I have filed a identity theft affidavit, that didnt work, i have filed a police report, and that didnt work. I have finally agreed to settle this account with the creditor because i care about my credit, however i never opened this account. How is a person supposed to survive with the identity theft and i get no help from the credit bureaus
Product: Debt collection

Notice of dispute under the authority of the FCRA. XXXX XXXX and XXXX XXXXXXXX XXXX  are reporting taxable income to my consumer report. A charge-off becomes taxable income for the consumer as the amount charged-off by the Creditor is added to the consumers annual earned income through the filing of IRS form 1099c. This is a direct violation of the FCRA and affirmed in ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit report attached is evidentiary documentation of violations reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Februrary 2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX  - the truck that I wanted was at XXXX but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through XXXX. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because XXXX had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that XXXX then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. 

Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. 

When I tried to address this issue with XXXX no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call XXXX.
Product: Debt collection

These people called me to make a payment which I did I paid off in full I mailed them the check and they said theyre not gon na report it to my credit report and now they did report it to my credit report and theyre not refusing to take it off they made me make a payment which I could not even afford and I was disputing it and I asked for a letter verification on the deck which they refuse to do and I still paid it took the money out of my kid is miles and they wont remove something they told me they were never gon na report they violated my rights under the fair credit and billing act to disputing the stat not only did I pay at the reporting on my credit report and the refusing to remove it
Product: Credit reporting or other personal consumer reports

Upon viewing my EQUIFAX consumer file I noticed the credit inquiries I did not authorize. 
I filled a formal FTC complaint that I will attach These are the inquiries XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH 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 my 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 those account 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. 


( CREDITOR NAME ) 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: Debt collection

Creditor refused to remove charge-off after paying the debt due to their XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX I applied for a XXXX used auto loan with Navy Federal Credit Union. I called and someone stated I was approved@ 9.64 % rate. I than questioned why would my rate be so high if you advertised 5.84 % for used car? The young lady couldn't answer and than asked for a supervisor whose name I believe was XXXXI asked XXXX what were the requirements to get a loan he explained credit score length of employment and he may have said debt.I than asked XXXX well could you tell me why my rate is so high? because I exceed all those requirements and my XXXX was under 100 % .He literally said well you don't have to take the loan! I said of course I understand that but why would my rate be so high? So, my complaint is they are denying people their proper rate for an unknown reason age? race? My score at that time was XXXX with paid auto 's XXXX mortgage and 13 years on the job making XXXX a year! .If this occurs with me Imagine the people like me who they are taking advantage of and what's the basis?
Product: Debt collection

I'm being sued by a law group representing a credit card collection agency. I was served 3 days ago for {$1400.00}. I had XXXX servers waiting at my door when I got home. The credit card is from XXXX and my last payment was XX/XX/XXXX. XXXX hit and I was out of work. They filed a summons and complaint on XX/XX/XXXX. The XXXX statute of limitations is 4 years from your last payment made, plus I received nothing my mail or any other means
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

In XXXX, 2016 I received a credit card statement from XXXX. I never opened a credit card with this store and tried to call the number on the statement. It was an automated system and I could never reach a person. I also wrote to the company to explain that this was not my account. I continued to receive statements and filed a police report for fraud. I also requested a copy of the original application for this credit card ( since I did not apply for it ) but I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX CO XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am asking for your help in regards to this inaccurate account that is being reported on my credit report. It's damaging my reputation, and I need your help to address this issue.
Product: Credit reporting or other personal consumer reports

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

XX/XX/XXXX
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT.
Product: Vehicle loan or lease

I am being harassed by Credit Acceptance. I got a car loan with them. About 4 maybe 5 month ago I made arrangements to make payments because I was struggling to make it on time. The lady I talk to said that i owe XXXX and the car will be paid off. A little over a month ago I got a call from them saying That I owe XXXX. I ask how is that possible when I know I've been paying on the agreement I made. I just made my last payment this week and they are still calling me sometimes 10 times a day no exaggeration. I feel like they are lying to me, and trying to get more money from me knowing I've paid off my car. I need help so they would leave me alone.
Product: Debt collection

There is a collection listed by AD Astra Recovery collecting for a XXXX which is not mine I have disputed and requested validation and nothing has been received. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, all items older than 7 years and the XXXX for the XXXX years to start rings from the date of the first delinquency. There's a account with no balance just a negative comment on my report.2. WESTLAKE FINANCIAL SERVICES XXXX This account is obsolete- please delete
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Keeps calling me at XXXX XXXX. Even though I told them its XXXX XXXX in Alaska. 
Company representatives just go silent after I say I will complain but do it again next day. 
Conserve XXXX ( XXXX ) XXXX is number they are calling from
Product: Credit reporting or other personal consumer reports

I tried to get in contact with experian, XXXX and XXXX about late payments that was showing up on my account. I asked them to send me statements that was sent out from the original creditors and all XXXX failed to do so. I been trying since last summer of 2024 and the only thing they send me back is a copy of my credit report. No investigation has been done.
Product: Credit reporting or other personal consumer reports

It is very concerning what XXXX XXXX  does. I call every day to make sure this doesnt happen and they tell me to send an email and take days and days to respond. 

I was on XXXX forbearance with XXXX lending and during this whole time XXXX protect me with the cares act of reporting XXXX XXXX and XXXX XXXX as delinquent on their mortgage. 

XXXX transfer me to XXXX in XXXX before doing the loss mitigation after coming out of XXXX forbearance. The cares act protect us from lender reporting us delinquent and XXXX knew this look at the letter attached. 

XXXX said they will do the deferment but didnt mentioned that we will have XXXX on escrow shortage that it was going to ballooned the payments. My first payment was due on XXXX - The supervisor told me to send a hardship application and we sent as the attachment shows. She also said during this process ( loss mitigation ) there is no negative reporting on credit bureau because its all originated from my XXXX forbearance. I asked her for a letter and she said all their calls are recorded. 

I sent my hardship application on XX/XX/XXXX. Before my first payment ( they said they take 30 days ) and still nothing but went ahead to report me today as default. 

They told me to send a letter to customer service to make sure they dont report me as the supervisor recommended because it protects me cares act and I did as the attachment shows and still no response.
Product: Mortgage

We submitted a compliant regarding our homeowner 's insurance that was cancelled due to Caliber 's error during and after the transfer of our loan to them. Please see CFPB complaint number XXXX. Since then, we have received a new escrow analysis which stated that our monthly escrow payment was increasing from approximately {$400.00} a month to approximately {$1000.00} per month. I wrote to Caliber about this error. They stated we had a {$1900.00} shortage in our escrow at the time ( XXXX, possibly early XX/XX/2020, but before theXX/XX/XXXX payment was received ). I told them they were in error. We had paid the hazard insurance out of pocket and they were working from the wrong numbers and our escrow balance should not be short {$1900.00} based on what they actually paid. The response was that they were correct and the tax department would let us know if there were any other issues that required attention. What a ridiculous answer. This isn't a 'tax ' problem! They completely ignored the substance of the issue we brought to them. Like most people, a payment shock of {$600.00} PER MONTH is an amount that we can't pay, but we shouldn't have to pay it either, if they spent five minutes looking at the substance of our complaint. As you will see from their documentation, they are still taking into account that Caliber disbursed funds for insurance of about {$1200.00}. I do not see the credit to escrow promised in response to the prior CFPB complaint and they are double-dipping and collecting more than is allowed under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. Reporting unverified information without proper evidence within the legally mandated timeframe is not permitted. Please investigate and rectify the errors for the following accounts listed on my credit report. 
XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$51000.00}
Product: Debt collection

This company is reporting inaccuracies to the credit agencies. This account is not mine, I have asked for proof THIRTY ( 30 ) days ago, original documents, validation, & they have sent none and it is hurting my credit worthiness. I also have my receipt from my certified letter that I sent over a month ago And received nothing which is a direct violation of FCRA 609. I am under dire stress due to the global pandemic covid19 and this situation is not making it any better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

To whom this may concern, I recently found myself looking to become a home owner and wanted to take a look at my credit report. I noticed a bunch of fraudulent activity on my report which prompted me to file a FTC report that I will be attaching to this report which contains XXXX fraudulent accounts as well as inquiries I didn't do as if I can recall correctly I havent had my credit pulled since I moved into my house more then 15 years ago.
Product: Debt collection

XXXX and XXXX trying to collect the money out of my bank account and put me in the negative. I'm still receiving emails talking about the account is past due. They also put me in the credit collections such as Transunion, XXXX and XXXX.
Product: Credit card or prepaid card

Capital One called me this morning XX/XX/23, to tell me that someone used all of my personal private information to apply for a credit card. I already have a credit card with Capital One. I told them that it was not me who applied for another credit card online. 
My wife told me that Capital One call her also to tell her that someone applied using both of our private personal information to apply for a credit card either late on XX/XX/23, or early on XX/XX/23. We did not apply for a joint credit card at Capital One. 
Capital One denied the fraudulent applications. I am sending a letter to Capital One so they can provide me the full application submitted online by the criminals, so I can file a police report with my local police department.