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

Transunion credit report shows additional person with same name living at a different address in a different state. I requested that they correct this report. First request made on XX/XX/XXXX with confirmation email. Every time I go back to the website to check the status of this request it keeps getting pushed out. Next currently reported status update is XX/XX/XXXX. They aren't doing anything with this, they just keep rolling it over. they need to remove this other person who is listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letter with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureausend. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXInquiry Date XX/XX/XXXX US SM BUS ADMIN DA Inquiry Date XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a respond from " XXXX XXXX '' who informed me that XXXX started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from XXXX and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on XXXX XXXX letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that XXXX  started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXXXXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to XXXX on XX/XX/XXXX, as XXXX XXXX loan XXXX. 

I demand to verify which " loan '' was " serviced '' by XXXX  - XXXX or XXXX ; who appointed XXXX as a Servicer, with the name of the company and names and contact information for the individual employees who hired XXXX as their Servicer and issued directions to XXXX 's individual employees. 

I demand to verify when exactly XXXX started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by XXXX. 

Name of the Company who GRANTED and who released servicing rights were released from XXXX and transferred to XXXX and the name of an individual employee who released XXXX 's " servicing rights ''
Product: Payday loan, title loan, personal loan, or advance loan

Throughout the process of applying for this {$400.00} loan from SpeedyCash I never once saw what the interest rate would be. It must have been hiding or simply not on the web page. Being that I had never taken a loan from anywhere I didn't think about making sure to see the interest rate before accepting it. Never would I have imagined it would be a 360 % rate. After making biweekly payments of {$70.00} each equaling the XXXX I had received from in the loan, I hunted down the website and logged in to try to pay the rest of it off completely. To my surprise I still have {$360.00} in my balance. {$360.00} after having paid {$400.00} over the course of a month and a half to XXXX months. That is how long I've had the loan for now. Under 2 months and I owe twice what they gave me. I contacted their customer service to try to talk to them about helping me and potentially letting me pay off the initial {$400.00} and they basically ignored every point I would make. This is without a doubt a predatory loan agency. They were banking on the fact that I wouldn't see the 360 % interest rate and accept the loan knowing they would get twice the amount they gave if not more. As I said, I accepted it no more than 2 months ago and it's already twice what I received. I can't pay them another {$400.00} nor do I want to. They are being scummy and I'm pretty sure however they are hiding that info when accepting can or at least should be illegal. If I had known or seen what the interest rate was, I would have never accepted.
Product: Checking or savings account

I won XXXX on XXXX XXXX on XX/XX/year>. I sent it over to my bank account on XX/XX/year> early morning and it was completed before noon. I was even able to use {$20.00} of the amount after it was sent over. The thing is my account was overdrafted XXXX something and the deposit cleared that amount out and left me with about $ XXXX {$390.00} in my account. Hence I was able to send $ back to fanduel to use. I noticed I couldnt use my debit card so I called Citizens Bank and they stated my account was in credit only status. I have to call Monday to change that over. I called Monday and they said my account was 60 days overdrafted and I couldnt use it anymore I would have to contact the recovery department to get my available funds. Ever since that day and after the Citizens app has now wiped all my bank information you cant see the deposit on there or in my statements and they say I still owe money from the overdraft amount. I have proof I received the deposit and that it was completed plus other deposits from XXXX that was sent to my bank account. Please help I believe they system just had a glitch and lost my money cause the account was over the 60 days overdrafted.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, XXXX XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$79.00}.
Product: Debt collection

I have no knowledge of this account i am a victim of identity thief
Product: Mortgage

I am trying to recover surplus, the overpaid escrow, {$3000.00} plus. 
Started in XXXX XXXX, after my taxes were paid.Regardless, Ocwen Loan servicing, LLC send more money than needed to state, state returned all, that they send. I asked in writing, to do partial modification, stop paying already paid taxes, keep calling, talking to ombudsman. I was told, that they will return my money, within 30 days of recalculation XXXX XXXX, XXXX. 
Now they are saying, that since I am late with XXXX payment, they will not refund overpaid amount. 
Under Federal law RESPA, that they are in violation, that the lowest monthly balance should not exceed/fall below {$870.00} and trying to collect more money. 

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

I first disputed items on my credit report, Equifax sent a response that they investigated the dispute and they verified that the items that i disputed was in fact mine .... this is false. they never did a resonable investigation, their response was that " the furnisher of information certified that the item disputed was mine '' THIS IS NOT AN INVESTIGATION ACCORDING TO THE LAW. My rights under the fair credit reporting act has been violated I then sent Equifax a letter requesting a Method of Verification and they sent me a credit report. They are being paid to report items and they dont care if they are accurate or not and they are not doing any investigations making sure they are reporting the items i previously disputed are correct or that they belong to me. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 


The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 have reasonable cause to believe that the information is inaccurate.

THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free online credit report from XXXX XXXX XXXX for Equifax on XXXX/XXXX/2017. When the report results were requested the site said, " Online reports not available ''. I do not want to receive this report through the mail and do not want to send the identity verification which included my SSN through the mail. Do I now not get a free report from Equifax if I do n't order it through the mail ... .no options are given to undo the request?
Product: Checking or savings account

I made a payment to the XXXX XXXX for {$380.00} on XX/XX/year>. I was informed by the XXXX XXXX account that the payment was rejected on XXXX by my bank even though the money was already pulled out of my account. The reversal should have went back to my bank account but here I am exactly a month later and no money has been reversed back into my account. 

XXXX XXXX has already conducted a full investigation on where the money is and they were unable to find any information whatsoever. I called Chime banking which is the external bank used to fund this transaction to get more info. They were extremely unhelpful in anything other than letting me know the money was taken out of my account. 

I had called to get the 15 digit tracing number that should be attached to ACH payments like this and they told me no such number on their end exists which is incorrect as I understand it that all payments should have a 15 digit tracing number. 

I currently have {$380.00} completely removed from my account and its whereabouts are no where that I can find. It's sitting in limbo between two banks and XXXX XXXX XXXX XXXX XXXX did their thorough investigation and found no money on their end. 

Chime Bank has been unhelpful in this and I need to know where my money has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED/XXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}
Product: Debt collection

Had medical bill with XXXX XXXX paid a few payment but asked for itemized bill of charges and debt owed never received it then they sold to collect agency which validated my hippa   rights and also asked for debt to verified or removed byXXXX  to help validate debt no success. because by law if a collection buys debt it now becomes their debt..Please help me with this matter because XXXX has not helped.I ask to please be removed from all three of the credit bureaus Thank You..You can see I have paid my bills on time but they are using unfair tactics and violating my rights Thank You for you help Also address is incorrect and debt amount
Product: Mortgage

In XXXX I received an escrow analysis statement from my mortgage servicing company telling me the account was short of funds by {$1100.00} and the escrow payment will go up from {$800.00} to ( {$860.00} + {$98.00} ) {$960.00}! I immediately went to check their website and the website was showing a balance of {$3100.00} and the next payment from the escrow will not be paid until XXXX for {$2200.00}. Also the escrow analysis has never credited the propert rebate amout from the state of NJ. I therefore called them so I can pay my property taxes and insurance directly which means they should removed that escrow account as I will be responsible to pay the taxes and insurance. They refused and to me it looks like they are predators because I have refused any suggestion by them to refinance and get cash out of my house. There a large descrepancy of the escrow account analysis and what is in the account.
Product: Credit reporting or other personal consumer reports

My son took a picture of my license and my credit card without my knowledge. He rented a XXXXXXXX XXXX To my knowledge they do all paper work over the phone as well as the payment. The owner of the vehicle that was rented throught XXXX XXXX XXXXXXXX XXXX ) just left the keys in the vehicle that was being rented. Meaning, this was a mistake on the owner 's part to just let someone take your care without meeting them. 

I have been harassed for 3 years. I have complied with everything. They had a detective interview me. Even the detective said it's risky, there are a lot of car thefts. I guess XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I thought this was over after the detective didn't see me at fault, identity theft is what happened. 

I spoke with XXXX they are fraudulant, they just put these charges on my credit report and reported to my car insurance after XXXX. My insurance closed the file denying their claim as there is no evidence that I had this vehichle. Again, identity theft Now I am complaining on how there services are set up for theft etc. Signatures and identification should he done in person. They would then see XXXX is a girl. My son XXXX stole my identity. 

I have not been so upset with a company. They do not listen not even after the detective closed the case. My insurance closed my case. I are messing with my credit. 

This should not be aloud unless there is proof of negligence on my part so they try to ruin me. Horrible!
Product: Credit reporting or other personal consumer reports

CARD ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx. 6 years ), Experian also stated " Average age of your accounts : 7 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101. 
In the consumer report dated XX/XX/XXXX, XXXX stated " Your oldest account was opened : 10 months ago ''. In that same report, XXXX reports an open account " XXXX  XXXX  - ACC # XXXX as " Date Opened XX/XX/XXXXXXXX  ( approx.11 years ), XXXX also stated " Average age of your accounts : 9 Months which is based on the previous stated miscalculation of the oldest account being 10 months old. The same mistake has been made in previous Consumer reports, which has led to unfair adverse action being taken against the consumer via the denial of credit as the consumer was unfairly reported to be uncreditworthy. This is a clear defamation of character as defined by 28 U.S. Code 4101.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; PA XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Help me write a CFPB complaint against TransUnion. The reason for my complaint is because I have mailed multiple dispute letters to TransUnion requesting an investigation into inaccurate items on my report. These letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received identical responses back from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do so in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with XXXX responses as proof.
Product: Credit reporting or other personal consumer reports

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm writing to express my concerns regarding several issues I've experienced with the credit bureau, such as incorrect account listings, inaccurate credit reporting, billing inconsistencies, and accounts that are not mine.
Product: Credit reporting or other personal consumer reports

I saw my credit report and something has changed on because I saw that there are unauthorized inquiries on my credit report.
Product: Mortgage

I applied for a refinance with Better Mortgage. I locked in a rate of 2.37. The appraisal on my house came back significantly lower than an appraisal that was completed in XX/XX/2019. When I spoke to the loan officer, XXXX XXXX, she said there was no issue with the lower appraisal. It just required the loan amount to be dropped a few thousand dollars. We continued the loan process and I incurred costs for a mortgage payment and just the general strain of getting documents together. As we were ready to close, I asked why the rate on the lending disclosure was 3.0 and not the 2.37 which had been locked. It took several days for them to get back to me. XXXX XXXX finally emailed me and told me that because the appraisal was lower than what was on my application, they had to raise my rate. XXXX XXXX never responded to any other email I sent regarding how nobody told me the rate was raised until we were at the final stages. I received no response to a question on what amount of loan would be subject to the locked 2.37 %. I got an auto generated email from Better with my appraisal. I also got a refund to my credit card from better with no explanation. To be clear, better emails you constantly with updates, questions and posts everything on their website. But they provided no information to me. They also appear to have removed my documents from the account. 

A company should not be allowed to significantly change the interest rate at the last minute. They also should not be allowed to just end communications once you inform them that youre not willing to allow that type of behavior. 

Had XXXX XXXX informed me the appraisal would increase my interest rate so significantly, I would have challenged the appraisal immediately. I have a current appraisal that sets the value far higher. But I was not afforded any opportunity to address the issue. And Better cut off all communication. 

They tried to rush me into doing a mortgage that would save me {$40.00} a month. Why would anyone be willing to do that.
Product: Student loan

I had continued to make payments on my student loans during the pandemic until I had it completely paid off. I then heard you could get a refund and that it would be forgiven and no repayment would be required. 
I called to inquire about it and was instantly told that I would be receiving a refund in about XXXX weeks. There wasnt anything asked or required of me besides my social security number. I thought it was odd but figured it was part of the pandemic process. 

NEVER once was I informed that the possibility of having to pay it back could be on the table. Nor was I required to sign anything saying I agreed to pay back if needed. I feel I was scammed. 

I feel it was a terrible guise to create more debt for already struggling people that could use a break to get caught up. 

There is no way I would have accepted the refund if I knew I had to repay it. I HAD JUST PAID OFF MY DEBT TO THEM! 

I have called the customer service number and the automated system says that I dont have a current balance yet I continue to receive past due letters for this account that I never created.