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

In accordance with the fair credit act, this creditor XXXX, XXXX & equifax Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536a ( 1 ) ( A ) as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I signed up for a Citigold checking account ( from Citibank ) based on a promotion that I was targeted for. Once I met the requirements, I was to be credited XXXX XXXX XXXX points. The day I met the requirements, I sent Citibank a secure message asking them to confirm that I had met the requirements and I would be credited the XXXX XXXX XXXX points. Citi confirmed this, and said I would receive the points when my statement closed XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the points. Every time I contact someone from Citibank in regards to this issue I get a different story. The first time, they said that I needed to provide them with my XXXX XXXX account number. After I provided them with the number, I still did not receive the points. I called in again a few weeks later, and was told by a supervisor ( XXXX ) that the case was still under investigation and I should hear something at the end of the week. I did n't hear back, so I called them again and spoke to a man named XXXX ( call center rep located in XXXX, employee ID number XXXX ) on XXXX XXXX and he confirmed that I would be receiving the points in " either two days or at the beginning of my next billing cycle ). He had also confirmed that Citi 's back office had confirmed that I was targeted for the offer. It has been several weeks later since XXXX XXXX. My billing cycle has ended, and I still have not received the points. I reached out to Citi again today ( XXXX XXXX ) and they still do n't have an answer for me. I 'm sick of the run-around and they do n't seem to care about giving me what 's promised. I have attached all supporting documents that I could find. Please help. Thank you.
Product: Mortgage

Dear CFPB, I am requesting my case number XXXX, be reopened and reviewed. 

As I stated in my original complaint, I received a 1099-C from Fifth Third stating the amount of {$60000.00} of debt was XXXX XX/XX/XXXX. This amount has never been applied to my mortgage loan, yet it has been reported to the Internal Revenue Service. 

See the attached 1099-C, mortgage statement dated XX/XX/XXXX and, mortgage statement dated XX/XX/XXXX. After reviewing these documents, you will see the {$60000.00} was never applied to my account. Note, a payment of {$25000.00} from the Michigan Homeowner Assistance Fund was accepted. 

This week, I received the attached letter from XXXX XXXX, showing my mortgage has been sent to collections. Fifth Third has closed my mortgage assistance modification application stating I have not submitted the required documentation. This is not true. In fact, my HUD Certified Housing Counselor, XXXX XXXX, spoke with a fifth Third representative, XXXX, on XX/XX/XXXX. XXXX was told all requested documents were received and now the application was under review. 

Also in XX/XX/XXXX, Fifth Third representative, XXXX, told my HUD Certified House Counselor, XXXX XXXX, that she did not know why the {$60.00}, XXXX of debt cancellation was no it applied to my account. XXXX said she will have her supervisor call XXXX with information on this. To date, XXXX has never received a call. 

If the cancelled amount of {$60000.00} is applied to my account this month, my mortgage will be brought current. 

My home is all handicapped accessible set up to accommodate my XXXX XXXX XXXX children and I can not lose it. I have the income to make the monthly mortgage payments moving forward. 

Your assistance in this matter is very much needed. Thank you for your consideration. Thank you., XXXX XXXX
Product: Student loan

I have called and set up numerous programs and nothing seems to be moving on these loans it affect my credit report it takes my income tax and still have same balances. 
It ridiculous how they come up repayment plans that are outrageous and not moving none what so ever
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 U.S.C. 1681. 

XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX/1022 Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Has violated my right to privacy. 

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, 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 or other personal consumer reports

On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is XXXX days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I have disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX I was a victim to fraud, and was sent a fake check for a {$850.00} graphic design job. The check was for {$2800.00}, and the person I was in contact with told me to XXXX the the difference back to him since he overpaid. so I deposited the check and waited a day before sending a XXXX {$2000.00} to the person who sent the check. ( In 2 payments of {$1000.00} ) This was all done through my savings account XXXX that is now closed. A couple days after the check went through it was rejected and so my account showed - {$2000.00}. I immediately called and opened a fraud case # XXXX I didnt hear back from wells fargo via email, mail or phone for over 2 weeks until I decided to call, and they told me the case was closed and didnt have any of that info in it so they reopened the case. Again I did not hear back at all and had to call again after a long time and they told me that they would contact me in about 2 weeks, so I waited. I NEVER let my account sit in negatives so I was trying to get it taken care of as soon as possible. It was around mid XXXX at this point. I did not hear back and then in the beginning of XXXX I got an email saying the account XXXX is being closed I decided to go to my local bank in XXXX OR to see what was going on and they said I had to make an appointment so I made an appointment for the next available day and then I got an email saying that my credit card is being closed. I called about the fraud claim that I had submitted about the XXXX and they finally told me nothing could be done, so when I went to my appointment at Wells Fargo I thought I could pay off the {$2000.00} and get my credit card back working, since this had just happened. I paid the {$2000.00} that I owed from being scammed. My banker told me I could reapply for another credit card, so I tried reapplying for a credit card with wells fargo and was denied. I made another appointment with my banker and he said he could submit a claim about this issue and get it to higher ups, so I had him submit the claim # XXXX. which turned into case # XXXX Since XXXX I have spent several hours on the phone multiple days a week trying to get answers speaking with higher ups, made over 4 appointments at the local bank near me and had my banker speak and submit a statement, and I have had to be the one to contact Wells Fargo on every occasion about this issue. Until today when I finally was called and told that XXXX in the Executive branch looked into my case and spoke with the people who originally reviewed my account and submitted it as delinquency, and she said there is nothing they can do. If you just look at my credit card record you would know I am not delinquent and the fact that I had an open claim and they shut my account down while it was being investigated is not right. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXXXXXX XXXXbefore seeking help from a consumer protection agency or the XXXX XXXX XXXX Please contact me at the address below or by phone atXXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, equifax and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inaccurate items reporting to my credit report. 

The following inaccurate accounts are XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Also there are a few inaccurate addresses as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!
Product: Debt collection

Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer  XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX. 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my TransUnion credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. 
I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! 
What can I do?
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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

Send a compliant to them about the debt, I dont know them, I dont have a contract with them, never bought products, I dont know them.
Product: Credit reporting or other personal consumer reports

In a 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 U.S.C 1681 XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Cb XXXX XXXXt # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  Card account # XXXX XXXX account # XXXX XXXX funding account # XXXX XXXX XXXX account # XXXX has violated my rights XXXX5 U.S.C. 1681 section 602 A states I have a 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 ( 9 ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of following items of information any other than records of convictions of crimes which ante dates the report by more than 7 years 15 U.S.C. 16815-2 ( 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

Wells Fargo Branch closed a joint account and never notified myself the primary account holder. The account closed was used to make a recurring payment on a line of credit for years causing the payment to reach a 30 day late which should be removed as there were never any prior late payments on account. Tried to resolve this at branch level and multiple XXXX number calls and received no replys from branch or internal consumer department for these matters
Product: Credit reporting or other personal consumer reports

Please take the necessary steps to block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or recognize these accounts. In compliance with USC 1681g, I am requesting their removal within 15 days. Supporting documents are enclosed for your review.
Product: Mortgage

I am trying to pay off my mortgage with Rocket Mortgage. I asked for and received a payoff letter. I used their website to make a payment for the payoff amount. Although my payoff was over {$200000.00}, the program allowed a maximum amount of {$90000.00} to be paid. I paid {$90000.00} and was forced to wait 24 hours before being allowed to pay another maximum amount of {$90000.00}. This made balance approximately {$23000.00}. When I attempted to pay the remaining balance, the program only allowed me to pay {$20000.00}. I paid {$20000.00} and waited another 24 hours. The remaining balance was then {$2400.00}. When I attempted to pay the {$2400.00}, the program only allowed me to pay {$2100.00}. I waited another 24 hours and attempted to pay the remaining {$300.00} ( which included the {$25.00} fee for the payoff letter ), but was unable to make a payment at all. Clearly, their algorithm is set to deliberately prevent payoff and earn the company extra interest and accrue additional fees and charges for multiple payoff letters. It appears as though the algorithm is set to allow a maximum amount of XXXX XXXX. This is intentional prevention of paying off loans and forcing the consumer to pay extra interest.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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