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

On XX/XX/2024, I filed a complaint about Transunion outlining an extreme drop in my XXXX XXXX after I had paid several thousands of dollars to reduce my credit balances. Transunion remarked on the report that I did a " good job. '' After a few months of filing complaints, my XXXX XXXX returned to the previous number. Yesterday, TransUnion dropped my score by XXXX points again for the same reason. I paid XXXX car loans and XXXX credit card payments and was marked with the same " Good Work '' comment. 

XXXX and XXXX raised my score for the same timely payments, and Transunion lowered my score by XXXX points. I am trying to rent a house, but Transunion is preventing and interfering unlawfully and unfairly. 

I have contacted Transunion, but I am always given a generic reason for the drop in score, which they claim is due to other reasons unrelated to making timely payments and lowering my outstanding credit balance. I am also told there is NOTHING they can do to help me.
Product: Debt collection

I now own property after foreclosing in XXXX and the payoff amount appears about {$140000.00} more than Remaining Loan balance calculations would indicate. 

The senior lender and current lienholder XXXX XXXX XXXX XXXX XXXX  XXXX, through its serving agent Select Portfolio Servicing, has provided a payoff figure of $ XXXX on the 2004 loan of {$330000.00}. After 16 years of payments, estimated Remaining balance calculations would arrive at {$220000.00} due. 

I have questioned why, after 16 years of payments from borrowers, the payoff is not approximately {$220000.00}. I have asked for supporting information of their {$360000.00} payoff demand, i.e. basis for calculations, terms of loan, etc. SPS refuses to provide any information since I am not the borrower, despite the fact it is a lien on my property and that the payoff provided appears patently erroneous. No principal paydown in 16 years?? and higher payoff than original loan after 16 years of payments??? 

SPS refuses to internally escalate the matter to have the payoff recalculated and reviewed. If privacy bars me looking at the source data, given the huge discreptancy, it should be accessed by another department or neutral source. SPS refuses to do so, and continues to deny me all information regarding the loan, except for payoff figure. 

Privacy should not bar an explanation for the substantial payoff discreptancy. 

I am being given a payoff amount that on its face is substantially invalid ( maybe fraudulent ), that SPS or XXXX  will not verify and " privacy '' is being used to bar me from getting the correct payoff figure.
Product: Mortgage

Respected Commissioner 1. I have requested the Wells Fargo bank for PMI cancellation and the bank advised me to take an appraisal done by its own chosen company ( details are attached ). Just after making the request, I was getting multiple phone calls and mails from the bank for me to hasten the process. I was also given only 1 month time window to do the appraisal. Ultimately I have paid {$550.00} towards the fee and done the appraisal. 
2. The appraisal amount came to be nearly XXXX above my original purchase price just over a year ago, much above the 80 % threshold to get away the PMI. 
3. Upon enquiry after the appraisal, the bank refused to cancel the PMI, stating that no significant improvement has not been done on the property, and that is the only circumstances on which the PMI cancellation can be considered. 
4. I feel that the Wells Fargo bank is doing business in an unethical manner and not in good faith- a possible violation of the Truth in Lending Act. 
5. I request you to intervene. 
Thank you Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In summer of XXXX, I started repairing my credit and I noticed that Lexis Nexis was reporting some inaccurate information on my credit. Therefore, I reached out to Lexis Nexis looking to receive my report. Once received I noticed numerous amounts of false information was being reported on it. I then sent USPS certified letters with my notarized copy of my ID and ss card. They kept giving me the runaround and never did what I had asked within my rights of the law. I then reached out to CFPB regarding this on XX/XX/XXXX complaint number XXXX. They acted as if they were going to handle the situation but to no avail did they. I also showed a FTC report of ID theft from XX/XX/XXXX by report # XXXX. They still did not remove any of the information nor corrected my name. I recently wrote them again and all I receive is " fluff '' and no one has done their job. I'm getting frustrated with them and no one is holding them accountable. I received a packet saying they removed the harmful information but it's still being reported. I'm looking to contact the FCC, Michigan 's Attorney General 's Office, as well as litigating this to the full extent. I have researched and seen that they aren't XXXX accredited. They keep sending me in circles this is getting ridiculousI sent a dispute via USPS certified mail to Lexis Nexis asking them to update my personal information and remove all wrong names, old addresses, phone numbers, emails, etc.
Product: Debt collection

I have repeatedly tried to contact CMI to remove an incorrect account off my XXXX, XXXX and XXXX credit reports. Its hurting my ability to apply for new credit.
Product: Debt collection

Several " collections '' companies have tried multiple times to collect a XXXX debt from me that is not mine. I successfully disputed it several times over the past 2 years, but now new, multiple companies are successfully posting this fraudulent collection account to my credit file. 

Collections companies perpetrating this fraudulent activity include : XXXX XXXX XXXX Sunrise Credit Service Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX I was never a XXXX customer or subscriber until I was hired by them in XX/XX/XXXX. The supposed collections debt to XXXX was started several years before I first subscribed to XXXX as an employee with free service. 

This is fraud, crime, and repeated whack-a-mole tactic to scam people out of money for fear of having a collections account on their credit history.
Product: Debt collection

Now I've disputed with both XXXX XXXX  and the lawyer who is representing them. I did not recieve any letter in the mail that I was being sued, court date or anything to challenge them. I requested numerous times and disputed with letters this account. They can't produce anything. No copy of any original contract with signature only copies of statements which aren't proof at all. They did not send me anything that they are producing to the bureaus as 100 % verified and accurate. They directed me to their lawyer and I received nothing but a letter today of court. XXXX said they have nothing with my signature and everything was started online. All this is done without my knowledge. Instead of addressing this issue and since they couldn't prove anything a lawyer is involved.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and have made numerous phone calls regarding the collection item from XXXX XXXX XXXX XXXX. acct # : XXXX  that appears on my Equifax credit report. I have documentation from the collection agency and phone call verification stating that they have requested Equifax to remove the collection from my report as it is and has been paid in full for sometime. To this date, Equifax has not been in compliance as the collection item still appears on my report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX incorrectly Reported a {$500.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. A satisfactory payment was made to the original creditor.
Product: Mortgage

I was a homeowner with a loan originating with XXXX mortgage. I requested a HAMP modification and was delayed for two years. Then my mortgage servicer was transfered Nationstar who then informed me that XXXX never offically modified my mortgage. After a year of going through the loss mitigation dept ment if Nationstar they foreclosed and took my home on XXXX 2014. I received settlement papers from XXXX mishandling but because my mortgage was transfered to nationstar I am not elegible to receive forclosure benefirs under category XXXX of the settlement. I want XXXX and Nationstar held accountable for the improper transfer of all these mortgages and subsequent foreclosures resulting from XXXX delay and Nationstar inability to honor XXXX hamp modifications due to the passage of time and accumulated balances.
Product: Credit reporting

The website : XXXX used by the credit bureaus for marketing only allows for electronic opt-out for 5 years and a consumer must print out and mail in a form to permanently opt-out. This is ridiculous. 
A consumer should be able to permanently opt-out of marketing online, the same as you can for 5 years. Why do they even offer 5 years opt-out? It 's a scam by the credit bureaus to keep people from permanently opting out by making it more difficult and having to mail in a form. 
I do not have access to a printer at home and this is a hardship on plenty of other consumers, I am sure. 
Thank you, XXXX XXXX
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. 

XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX  : # XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have a HSA account with hsabank, a division of Webster Bank N.A. from my prior employer. My new employer offers the high deductible medical coverage with a HAS account and it turns out my new employer also uses hasbank. In early XXXX of 2016 I called hasbank and requested they transfer the remaining funds from my prior account to my new hsa account with my new employer. The hsabank customer service representative took my information and submitted the request. As of XXXX XXXX, 2016 the transfer has not taken place. I have call hsabank several time to ask why and the customer service representative was very nice but they could not tell me why the transfer had not taken place other than to say that they were several month behind in processing requests.
Product: Mortgage

Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries that have been reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof bearing my signature or electronic signature for any transactions or inquiries associated with these reports. 

Please note, I am submitting this letter on my own behalf, not through any third party, and I kindly request that you review this matter carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ) regarding the blocking of information resulting from a data breach or fraud, as well as Section 604 ( 15 U.S.C. 1681b ) related to permissible purposes for consumer reports.

I have contacted the relevant companies and discovered that these actions were initiated without any compliant validation or original documentation from the reporting entities. As I did not authorize these accounts or inquiries, they must be classified as the result of either a data breach or the illegal reporting of my information by creditors or third-party data furnishers. 

I request that you thoroughly investigate this matter and take the appropriate action to resolve these discrepancies promptly.
Product: Money transfer, virtual currency, or money service

I signed up for a member ship with sofi a few month 's ago i started to utilize the services offered. Then in the beginning of XXXX i had a issue with my external bank account where i was getting unauthorized transactions so my bank advises me that they need to send a stop payment to all my transactions to be able get my funds back. So i contracted sofi to let them know what the situation and was and sofis customer service told me my account will be at a negative and that to avoid any account fees i needed to make another transfer to being my account current. So on XX/XX/2019 i transferred {$20000.00} because i ended up closing my external account due to fear of my account being tampered with i then transfered my remaining balance to my sofi account. So my sofi membership account holds my funds totaling {$35000.00}. My complaint is sofi isnt even a bank how are they able to hold all my money and not release my funds to me its been 7 days they have bern with holding my funds and thats not right. I feel like they are breaking some sort of law because it's my money it came from my external bank. Ive tired emailing calling and they do not give me no answers yet my funds just sit there. I thought that maybe its due to assumption of illegal account activity but that's not possible because they make you log into your external bank to verify account owner ship. I just want my funds to be accessible for my use not to be held by a company that isn't even a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

For two weeks now, I have struggled with Equifax so that my credit union, XXXX XXXX XXXX XXXX, can pull my credit report for a mortgage. Because of the unfriendly and inefficient services of Equifax, it has caused me great hardship, including losing a home I wanted to purchase. 

To date, I continue to try to get Equifax to correct my date of birth. I have sent a copy of my birth certificate, my driver 's license, my XXXX passport and my social security card to Equifax in XXXX, Ga. These documents were sent express mail and the tracking number shows that they were delivered. When XXXX tried to pull my credit report today, it was still unsuccessful because of " a flag on my date of birth ''. 

After an extremely long wait on hold, I finally spoke to an Equifax agent, clearly a young XXXX XXXXXXXX man with limited English skills. According to this agent, my incorrect birth date was provided by XXXX. He also told me that XXXX could change this birth date. 

I believe that both of his statements are incorrect. 

Consumers call Equifax seeking for accurate information and assistance. Being told incorrect information does not help the situation. The fact that there are long wait times to speak to Equifax agents and that Equifax agents are providing incorrect information demonstrated the poor service that Equifax is providing. 

Equifax security was breached between XXXX and XX/XX/2017 when XXXX XXXX XXXX records, XXXX XXXXXXXX XXXX  records and XXXX XXXX XXXX records were compromised. I suspect that my incorrect date of birth is related to the security breach and that it is hereby demonstrated that Equifax did not completely correct the impact of this event. 

Instead, consumers are inconvenienced and face hardship due to the unprofessional conduct of Equifax. I already correct my birth date in the past and am now forced to correct the same mistake again.
Product: Credit card

There was fraudulent activity that took place on my credit card ending in XXXX with Navy Federal Credit union. I believe it may have been 2 seperate charges one being {$500.00} and one being {$9000.00}. The {$9000.00} charge was to " XXXX XXXX XXXX  '' and was made on XX/XX/23. The other charge was {$500.00} to " XXXX  '' on XX/XX/23. Both of these charges are fraud and I reported them as such to my bank multiple times. They seem to want to just deny my claim and say that these charges were made by me? They most definitely were not and someone was able to access my personal information and make purchases with my credit cards... 

This is fraud and I should be protected from things like this happening. I'm not paying this money and letting the fraudsters just get away with this. I need this money credited back to me or I'm just going to file a lawsuit and come for it that way. Either way these aren't my charges and I won't be paying them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXX. Please correct and update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.
Product: Credit reporting or other personal consumer reports

I left an apartment and landlord XXXX XXXX is trying to get me to pay for painting and exc.as we found out while we were there that when we leave they will sue us for doing upkeep that a landlord should do after each tenant we lived there for 4 or 5 years anyway I have never had a judgement against me in this matter never seen a courtroom this is a landlord dispute that I refuse to pay.They tried to make us pay before and didn't succeed we had a lawer that handled the case so they dropped it .So we payed what rent we owed and left .then like 4 or so months go by and I'm getting a letter from a different collection agency I told them what happened and told them I'll see you in court.This is what they do if you look at court records on people that leave there always gets sued for renovation cost.I refuse so I haven't herd anything then I see a derogatory on my report from them.This was NOT a loan or credit card. No judgment against me so they are trying to collect for this another way so they don't have to see a courtroom this is bogus Please help me.Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 XXXX XXXX XXXX  3. XXXX XXXX
Product: Credit card or prepaid card

I got numerous fraud charges on my Sears MC beginning XX/XX/XXXX. All charges were for an XXXX in XXXX. I was alerted to this by my monthly statement. Sears issued me a replacement card. That card also got another fraud charge on it, and I was alerted by my monthly statement. It was the same merchant, XXXX in XXXX. A XXXX search of the number on my statement for XXXX showed up many people complaining that this was a common occurrence that had been occurring with XXXX for a couple years! How did XXXX get my new account number? This was only the beginning. All fraud charges were eventually removed from my account only after an investigation. I have those letters from Sears Security Operations stating that on XXXX and XXXX. Then out of the blue on XX/XX/XXXX I received a check for {$1000.00} from Sears/Citibank. I sent it back explaining since I had not paid any fraud charges, that the check was not mine. They sent it back to me again and again, each time I said it was not mine. Now {$1000.00} appears on my bill on my closed account. They are saying that my account was credited twice for the same amt. They do not acknowledge I sent the check back on XX/XX/XXXX, XXXX & XX/XX/XXXX ( signed returned receipt each time ). My acct. is now past due according to an email received on XX/XX/XXXX. I figured out they arrive at {$1000.00} because my last fraud charge on my replacement card done on XX/XX/XXXX was for {$1300.00}. They deducted my final payment of {$330.00} which was for my true charges, and they get {$1000.00}. Makes no sense! Criminal. This badgering is nothing short of harassment. There's another whole ridiculous story to get to this point but I have limited space. It seems very nefarious between XXXX and Sears or there is something deeper going on with another entity. Please help me stop this nightmare and for other people too. Thank you in advance.