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

I have been trying, in vain, over the course of a week, to place a freeze on my credit file at Transunion. Their website returns an error ________ We are unable to complete your request. 
What happened : Unfortunately, we are unable to process your request based on the information provided. 
What to do : Please contact us at XXXX XXXX XXXX XXXX. 
_________________ The phone number places the caller on hold indefinitely. ( I mean Forever! ) They have Never Answered this number. I have tried other numbers in their contact list but am referred back to the website. 

This company should NOT be allowed to store or report any private credit information, they are INcompetent!
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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # XXXX, XXXX XXXX XXXX : # 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 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 any other adverse item of information, other than record 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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX  # XXXX Account Name XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I would like to file a formal complaint and request assistance is resolving the issues with my mortgage company Ocwen XXXX XXXX. 
On XX/XX/XXXX I was forced into filing XXXX XXXX Bankruptcy in order to prevent my home for being sold at auctioned. I had previously submitted a mortgage modification package, which was denied, according to Customer Service Representative the paper work was received too late. No where within the package was there a time frame specified with the instructions regarding date of submission. I retained a professional service to assist me with the Bankruptcy and to negotiate with Ocwen. Strangely enough the same modification information package which had been deemed denied due to lateness was effectively used. I was informed by Ocwen and the professional assistance service that the modification was accepted. I was placed upon a 3 month trial payment plan for XXXX, XXXX and XX/XX/XXXX ; which I successfully completed. When I attempted to make the XX/XX/XXXX payment through Ocwen 's automated system, the system did not allow me to complete the transaction. When I spoke with a Customer Services Representative at Ocwen, I was informed that my modification had been cancelled because they did not receive final signed agreement back from me. I never received any such documentation from Ocwen via the postal service. On numerous occasions I have made numerous Ocwen representatives aware that there is difficulty receiving mail via the postal service and to please send communications via my e-mail address. I received that final signature pages via e-mail on about XX/XX/XXXX and returned it via express mail on XX/XX/XXXX. On XX/XX/XXXX I received a scheduled update call from Ocwen, I was informed that my loan modification was still under review by the Underwriting Department ; however the foreclosure procedure had been placed on hold. First time I heard of a foreclosure procedure was XX/XX/XXXX ; even though since XX/XX/XXXX I have had at least 6 conversations with various Customer Service Representatives. The representative further informed me that it could take up to XX/XX/XXXX for them to make a decision. 

The second issue involves cancellation of my home owner 's insurance policy due to Ocwen not paying my premium on time. I can not receive a new home owner 's policy because of the age of the roof ; I must replace the roof before I can get another policy. In the mean, Ocwen has secured only liability coverage on the property, for which I have been paying at a much greater expense than my former home owner 's policy. 

The third issue involves my payments. I purchased this home in XXXX ; refinanced it in XXXX or XXXX. The only option that Ocwen offered was a reduction in my interest rate, pay {$510.00} for 17 more years with a balloon of approximately {$78000.00} due at the end of 17 years. With the substantial decrease in the interest rate why is a balloon even necessary? 

In the past I received Court mandated compensation as a part of Class Action law suite involving Ocwen poor business practices. I think we are back at that same place again, regarding Ocwen 's business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquires: XXXX  XXXX  XX/XX/XXXX      XXXX  XXXX  XX/XX/XXXX   XXXX  XXXX  XX/XX/XXXX

XXXX  XX/XX/XXXX



Collections: Collection/chargeoff,  Acct #XXXX****  Derogatory /negative account
XXXX XXXXll   Acct #XXXX****  collection/chargeoff   (status) paid, negative account
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Payday loan, title loan, personal loan, or advance loan

I got the Loan in 2021 and didnt know that the interest would mean that I never would pay off unless I pay more than the interest. Its about {$200.00} and has increased because the balance is increasing. My loan was about {$6000.00} so Ive paid about the amount of the loan in interest but I still own {$4000.00} because it was only the interest.
Product: Credit reporting or other personal consumer reports

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

Called several distant family members claiming they are trying to serve me papers. I would love to see these papers. They claimed to be from my county clerk 's office and needed me to call back because they needed my signature.
Product: Credit reporting

This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$610.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$220.00} XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

We have been with Bank Of America for OVER Twenty years. Both my husband and I have multiple accounts and a few years back, we received MULTIPLE OVER DRAFTS FEES and MULTIPLE TRANSFERS FEES for both large and small transactions that caused multiple overdraft fees for each transaction. This caused none payments for bills, distressed and most of all, disconnects of utilities & car payments. The fees were automatically intercepted whenever a deposit was made causing us NOT to have enough to pay bills or some times not purchasing food. I am demanding refunds for those ILLEGAL practices. We continuously have to close debit cards due to unauthorized purchases nearly every MONTH as recently as TODAY XX/XX/23!
Product: Vehicle loan or lease

i filled twice an appication with Toyota Credit for a Auto Loan in XXXX  NO response or email with the Information about it, or letter or Call. I was a Toyota Credit customer in the past. 

my loan # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from Bank Of America it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted Bank Of America on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with BANK OF AMERICA but they just keep giving me the rum around over and over.
Product: Credit reporting or other personal consumer reports

I have attached a copy of my credit report highlighting the duplicate accounts for your reference. 

I have not yet contacted the credit reporting agencies or the creditors regarding this issue. I wanted to first inform the CFPB to ensure that this matter is properly documented and addressed according to the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

never gave CPS consent to run my credit, Never signed, gave verbal consent, never heard of the company. you said " the inquiry was a result of a digital credit application received on XXXX from XXXX XXXX XXXX. 

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant fraudulent inquiries keeps showing up on my reports, i have tried to get them off and the companies and consumer credit agencies refuses to correct them no matter what i do. 

Transunion have an inquiry from XX/XX/2020 from XXXX  to. I have contacted them both and up to now its still there
Product: Checking or savings account

my XXXX on my Bank of America was suspended by Bank of America I would like to have my XXXX account unsuspended.
Product: Credit card or prepaid card

I have a Discover card which I used for a charge of : {$10.00}. Through my bank, XXXX XXXX XXXX, I electronically paid this {$10.00} charge to Discover card it was debited from my business checking account dynasty management group of which I am the sole manager. I caused a check for {$10.00} to be sent to Discover card and notified discover card before the payment was made and after the payment was made that the electronic check would have the name dynasty management group on it as well as my name Both as remitters. Discover card employee ( s ) somehow lost the payment and now after approximately five hours having been spent on the phone with me to no avail requesting to speak with management, supervisors, team leads and the like : discover card puts me on hold for five hours now over several days and refuses to remove the {$10.00} despite my having paid the {$10.00}. I will not spend {$30.00} to stop payment on an electronic payment that Discover card has on someones desk that did not credit the {$10.00} payment to my account. Further, I was told over several weeks that a manager would call me back and I never received a call until I informed Discover card that I was filing this FTC complaint against Discover Card. I am XXXX under the Americans with disabilities act, I am XXXX years of age and a senior citizen, and I am on a limited income. I also was the victim of a XXXX XXXX XXXX  for which I now require several XXXX. I respectfully request Discover card to remove the {$10.00} charge from my credit card account including any cumulative interest or late payment for reasons stated herein. When Discover card locates the payment that I caused to be sent electronically from XXXX XXXX XXXX Bank to Discover Card they are welcome to deposit my payment referenced to herein above to my credit card account to offset the {$10.00} charge.
Product: Money transfer, virtual currency, or money service

I want to formally report Zelle for the way that they handle disputes. I lost a significant amount of funds because tracking these transactions was impossible. 
This give scammers the opportunity to exploit the system with no consequences. Zelle needs to take accountability for neglecting consumers safety.
Product: Vehicle loan or lease

I DID NOT AUTHORIZE YOUR COMPANY TO RUN MY CREDIT ON XXXX XXXX.2017
Product: Debt collection

To Whom It May Concern, I am writing to request validation of the debt that your agency claims I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a communication from your office regarding a debt that is allegedly owed, and I would like to ensure that this debt is valid and accurate before proceeding with any payments.

Please provide me with the following information as part of your debt validation process : 1. The name and address of the original creditor.

2. A detailed statement of the amount of the debt, including any interest, fees, or other charges that have been added.

3. Verification of my obligation to pay the alleged debt, including any signed contracts or agreements that show I am legally responsible.

4. A detailed payment history that shows how the debt has accrued, including any payments made to the original creditor.

5. Any documentation that demonstrates your legal authority to collect this debt on behalf of the original creditor.

Please note that I am not acknowledging or accepting responsibility for the debt by submitting this request. I am simply exercising my right to request proper validation. Until I receive the requested information, I request that you cease all collection activities related to this debt, including reporting any negative information to credit reporting agencies.

I expect your prompt attention to this matter and look forward to receiving the requested documentation within 30 days. If you fail to validate this debt as required by law, I will consider the matter resolved, and I will expect all collection efforts to cease.

Thank you for your cooperation. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several dispute complaints to TransUnion regarding multiple accounts that are being listed as either late or balance is incorrect on my credit report and they refuse to make changes, provide updated balances, provide proof that they tried to contact creditors.
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 XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/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: Credit reporting or other personal consumer reports

- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 
I demand the late payment reported to be removed/updated. 
** - My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 
I demand the late payment reported to be removed/updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed accounts. If they unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint earlier along with documentation to prove that Experian is purposeful and willful in miss reporting my Credit Score. I complained about XXXX XXXX XXXX And Experian and ever since I have tried to get proper help for removing information and mistakes on my credit report. I have been patient and even paid Experian several times to get their premium service. I have raised and lowered my balances on my credit cards and taken out loans to do what they suggested. They have shown that their reporting and scoring is not impartial. Please take a look at the documents I have included. I purposely paid off all my credit balances to show how Experian does hold some accounts in contempt. I had my score drop today because I paid off most of my XXXX XXXX card from XXXX. They said that I lowered my savings account. Experian does in fact take offense to complaining to your agency! I have included the documents! Sincerely, XXXX XXXX XXXX