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

I filed complaint number XXXX on the CFPB website on XX/XX/ in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XXXX in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the reason you for disputing is inaccuracy.
Product: Mortgage

I had a mortgage thru Greentree ( Ditech ) and had to do a short sale in 2012. They dragged their feet on processing a buyer I provided for them. Eventually it went thru. I received an official document dated XXXX/XXXX/2012 showing that my mortgage was discharged with a Satisfaction or Release of mortgage. Now I am getting demand for mortgage payment from Ditech on that same mortgage and they submitted to credit reporting agencies a delinquency, which has adversely affected my credit rating.
Product: Mortgage

In XX/XX/XXXX we had tried to sell our house on our own but it was not worth what we owed. We have a first mortgage through M & T Bank and a XXXX with XXXX. SO we hired an agent and began trying to short sale our home. M & T said we were not past due so they could n't help us until we were. They made us go through a long XXXX month process to try and do a loan modification prior to allowing us to short sale. We needed to relocate due to how far our work is so we did not want a loan modification, we wanted to sell and relocate. So after about XXXX months it got to the next stage of moving to Short Sale. They APPROVED it to go to short sale. After doing everything they advised they finally APPROVED the short sale in XXXX. So we have been negotiating with the XXXX mortgage to move to close. It is now XX/XX/XXXX XXXX XXXX year later XXXX and the negotiator on the file, XXXX, tells us that he reviewed the numbers and they are getting paid off so we DO NOT qualify for a short sale. After 1 year of ruining our credit and doing what they advise and them APPROVING us for short sale etc.. XX/XX/XXXX they advised us we do n't qualify now and they send us a letter stating if we do n't respond by XX/XX/XXXX they will move to foreclose. So they tell us XX/XX/XXXX & only give us a few days to respond and we just got the letter XX/XX/XXXX. So we have XXXX day to respond or they foreclose. After all the XXXX they put us through and they dropped the ball. We could have been negotiating with the XXXX mortgage only and not ruined our credit if they had done their job. How did they not realize this when we started? before we went past due, before doing the loan modification and getting approved for a short sale. They have totally wasted our time and now they move to foreclose? This is horrible business practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX says XXXX XXXX accessed my credit file? It is locked and I never did credit check with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.
Product: Credit card

My identity was stolen and someone created a credit card with credit klarna I try to report the issue to them the said the was no fraud it happened between XX/XX/year> to XX/XX/year>
Product: Debt collection

XXXX collections in regards to XXXX not only called me repeatedly during work hours when I informed them several time not to call due to my work place not allowing that then they took the liberty to call my family member and share my personal information with them
Product: Credit reporting or other personal consumer reports

I moved out of my apartment at XXXX XXXX XXXX in XXXX XXXX. After I moved out I received a letter stating that I owed {$XXXX} I called the apartment and they lied. I went over each part of their complaint and told them I had proof and pictures that these charges were false. Later I found out that they attached this to my credit report. I contacted Equifax and told them that these charges are false please investigate and remove this. 

Equifax told me that the charges were real and refused to remove them. I said what XXXX XXXX XXXX did you contact. XXXX XXXX Apartments didn't go to court. There are no court documents. They just went straight to a debt collector and then you guys put this on my credit report. 

How can someone say you owe them money and not have to prove it and then have it placed on your credit report without you not having a chance to show that it's false? 

I have other documents and emails to prove my case.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( if ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Not sure I keep getting report of available funds sent to my address for 3rd party refinancing ( Mutual of Omaha ) I want it stopped am not or ever will be interested in refinancing. I researched big scam. I have mortgage with other company. Dates sent today XX/XX/22 third one in last two months stating I have XXXX available.
Product: Bank account or service

I received a letter in the mail from Bank of America stating that they are going to change the terms to my checking account they will start charging me a {$25.00} a month fee unless i keep {$5000.00} or more and my account or have other loan products. But for new customers they offer free checking on their website for new customers I will copy and paste it below. I have direct deposit and i meet their qualifications for the maintenance fee to be waived. This is not right they are false advertising if they are going to start charging me now. 
Convenient access to your personal checking account wherever, however you want. 
No monthly maintenance fee when you meet XXXX of the following requirements each monthly statement cycle : Have at least XXXX qualifying direct deposit of {$250.00} or more ; orMaintain an average daily balance of {$1500.00} or more ; orWhen you are a Bank of America Preferred Rewards client ( waiver applies to XXXX XXXX checking and savings accounts ) Otherwise, $ XXXX monthly maintenance fee. 
Students under age XXXX are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university, or vocational program. Please refer to your Personal Schedule of Fees for details. Footnote 1Teller accessOptional Regular Savings Account Footnote XXXX, MobileFootnote XXXX and TextFootnote XXXX bankingOnline Bill PayPayment RemindersCustomizable alertsFootnote XXXX card with {$0.00} Liability GuaranteeFootnote 6 and new chip technologyKeep the Change ( R ) savings programFootnote XXXX where everyday purchases add up to savingsOptional Overdraft Protection to help avoid overdraft fees and declined debit card transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XX/XX/XXXX an alert showed from Experian about a collection debt from XXXX XXXX for {$7000.00}. 
XXXX XXXX is a collection agency for apartments. The original Creditor is XXXX XXXX XXXX XXXXXXXX in XXXX TX an apartment complex that I have never applied for. 
This debt was opened fraudently in my name around XX/XX/XXXX. 
I've never lived in XXXX. Calls to the apartment complex have gone unanswered. 
Meanwhile I'm disputing this inaccurate information and Experian says the item was accurate and validated. This is not my debt. I have been subject to identify theft for the past 3 years from the data breaches to where I've put a credit freeze on my account. The Experian dispute was closed on XX/XX/XXXX and I've called and opened another dispute for this item. I have also contacted the XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account with XXXX XXXX, long story short I was denied. I don't understand why I would be denied because I'm typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX. XXXX, DPTEDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and account # XXXX
Product: Credit reporting or other personal consumer reports

Hello greetings so i settled with the auto loan i have been told different things about when the account status will reflect closed i don't understand what is the hold up i received the settlement letter stating one the transaction post which it did the account will close i need to reflect that status there are other financial things i need to take care.
Product: Mortgage

TO ADD TO EARLIER PROBLEM WITH sELENE FINANCE last week i found out my home was uninsured for a moth because Selene finace did not make insurance payment-they are a complete joke
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CT NV XXXX XXXX ID XXXX address ID XXXX 15 US Code 1681e ( b ) maximum accuracy Question : Did the court clerk report my bankruptcy to the credit bureau?
Product: Debt collection

I have recently reviewed my credit reports and have identified inaccuracies concerning collections data. Specifically, Credit Collection Service Account # XXXX It was deleted from my XXXX XXXX XXXX account for inaccuracies but this collection company refused to delete from my Experian account after countless efforts on my end to do so, this discriminatory behavior is gravely affecting my ability to gain access to certain credit benefits that I desperately need. Please help me resolve these errors to bring my XXXX Account to ensure that all information is accurately reported.
Product: Credit reporting or other personal consumer reports

After the reinvestgation of the 4th time this account is still inaccurate and incomplete it still appears to be on my consumer FICO credit report inaccurate. 15 U.S.C. 1681 ( I ) ( 5 ) by law you are obligated to reinvestgation the account and delete inaccurate and incomplete items. This account has several inaccurate and incomplete information remove immediately! 

XXXX XXXX ( account number ) XXXX
Product: Debt collection

From XX/XX/year>XXXX  until XX/XX/year>XXXX  and it was roughly 24 times that they called me. In XXXX I was called every 3 to 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It says I am an authorized user and i never applied for that card.
Product: Debt collection

I recently checked my credit report and noticed an account reporting that wasnt there just a few weeks before from MRS BPO with XXXX being the original creditor. I have never received any comunication from MRS BPO in any form, no letter from them and Ive been at the same address for over 5 years. Not only that but I wasnt even notified from the original creditor XXXX  and I discontiued service from them in 2022 without any outstanding balance and I went and returned their equipment and made sure of this and they never sent me anything about an outstanding balance and Im in the same address that I was when I had their service. According to 12 CFR Part 1006 DEBT COLLECTION PRACTICES ( REGULATION F ) I was supposed to be communicated with before anything was reported on my credit report.
Product: Credit card or prepaid card

Due to banking issues, I paid my creditor XXXX in 1 month. ( depleting my account ). I asked the creditor for a refund, they refused, said speak to financial institution. Spoke to financial institution, they said speak to creditor.
Product: Mortgage

I have two mortgages with Guaranteed Rate Mortgage Co. located in XXXX XXXX, Illinois ... 

( I routinely check my balances and statements online. I need to check : 1- the status of my account, 2- whether the mortgage company has honestly paid the County property taxes that are due on the properties, 3- to ensure that they are correctly creditung my account towards princiole/interest/escrow etc. ) ... Their website that I log into as a borrower refuses to let me have access to my OWN accounts because they forcibly want me to agree to the " new terms '' that they have imposed which is -- " unconditionally accepting E statements '' that I do not want ... because I need hard copies in order to keep track of the 5 different mortgages I have ( as rentals ) ... so I have refused E statements from the application phase, and all through the years. But the website will not let me look at my own accounts unless I agree to E statements and they have refused to display my own information by any other alternate means around this obstruction. 

This is unlawful coercion and withholding of information that can otherwise keep them honest and accountable. These are written terms in our agreement that was signed at the time of property purchases in XXXX and XXXX that Guaranteed Rate agreed to perform in good faith but is failing to do so after the fact. 

By denying borrowers access, Guaranteed Rate mortgage Co is not only reneging on its agreement, and failing to perform as agreed to, but they are forcing borrowers to comply with E statements so they can maximize profits resulting from witholding hard copies to those that prefer a paper statement. 

The way Guaranteed Rate mortgage Co. does it is by denying borrowers access to their online accounts, and holding that information hostage -- which in turn robs borrowers of the right and ability to make sure that Guaranteed Rate mortgage Co. Is honestly performing the allocation of monies towards County taxes, Loan principal and interest, and Escrow funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Disputes The following items under my personal information are incorrect : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX update my credit file to reflect only verified and accurate personal information. 

Account Disputes I am disputing the following accounts on the grounds of accuracy and verification requirements as per FCRA guidelines : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Disputes The following collection account appears to be inaccurate or unverified : - XXXX - Account Number : XXXX Under 15 U.S.C. 1692g, I am requesting full validation of this debt, including original account documentation and verification of its legitimacy. 

Inquiries Disputes I am disputing the following inquiries, as they appear to be unauthorized or inaccurate : - 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

LexisNexis has furnished my public information to consumer reporting agencies without my written permission. It violates consumer law under 15 U.S. Code 1681b - Permissible purposes of consumer reports in addition to violating my right to privacy. They are not only liable for a civil liability but, also damages I have sustained due to their negligence. Courts do not furnish public information to Consumer Agencies
Product: Debt collection

RMS attempted to collect a debt of XXXX for XXXX insurance. I've called them and told them i don't owe the debt because I had other insurance. They added it to collections before the timeframe given to respond. I also sent a certified letter to the company. No one has called or responded in a letter. No one has sent me any documents proving to me that i indeed owe the debt. Now they have yet again ILLEGALLY added it to my reports again. I do not have faith in this company. They are trying to ruin me for XXXX! I am making strides to pay off debt i owe. I have arrangements for debt i owe. So why would i ignore the SMALLEST debt I ALLEGEDLY have? This is obsurd and they are not abiding by the law in my opinion. I feel my rights have been violated in every sense of the word.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATIONXXXX XXXX {$900.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$11000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$3200.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$9200.00} XX/XX/XXXX DEPT OF XXXX XXXX {$4000.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$4600.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5400.00} XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX {$5500.00} XX/XX/XXXX SXXXX XXXX  XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX {$21000.00} XX/XX/XXXX XXXX XXXX  XXXX {$4300.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX  XXXX {$2500.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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.