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

I have tried to submit disputes with XXXX via Phone, Fax, and postal mail for a XXXX XXXX XXXX account which is being reported on my profile that is not mine. I called XXXX again on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the XXXX automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my XXXX report are due solely to being the victim of their XXXX data breach. XXXX has tried to send me a settlement of {$44.00}, I would prefer if XXXX would properly update my profile. XXXX 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided XXXX with FTC reports, Police XXXX, and valid documentation from creditors proving what they are reporting is incorrect, yet XXXX fails to update my profile. I would like all inaccurate information to be deleted and suppressed.
Product: Mortgage

I complain that mortgage company LoanCare doesnt send me payoff loan documents and a statement that my mortgage was payed off. My loan # ... ... XXXX. I paid my mortgage in full on XX/XX/2019. 

Previous loan mortgage company XXXX transferred my mortgage loan to LoanCare company which started to collect payments in XX/XX/2019. First/ Last statement I got from LoanCare was dated XX/XX/2019. No more statements after I paid mortgage off. 

I tried to call LoanCare few times and was told that I will get canceled mortgage deed of trust by mail.But no documents in mail so far. Last call was today but nobody returned my call.

Please help me to resolve this issue and get those documents from LoanCare mortgage company.
Product: Debt collection

Harassment by XXXX  with robocalls and illegal debt collection tactics. Debt discharged in XXXX  XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

Requested immediate removal of unauthorized accounts pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B. I recently reported identity theft to the Federal Trade Commission ( FTC ) and enclosed a copy of the Identity Theft Report for XXXX records. Details of the unauthorized accounts on my consumer report for removal : 1. Name of Account : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XX/XX/XXXXXXXX under account number XXXX, with a total fraudulent amount of {$5700.00}, discovered in XX/XX/XXXX. 
A personal loan account opened at XXXX XXXX XXXX under account number XXXX, with a total fraudulent amount of {$2900.00}, discovered in XX/XX/XXXX. 
A credit card account opened at XXXX XX/XX/XXXX under account number XXXX, with a total fraudulent amount of {$9800.00}, discovered in XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question ( including XXXX OF XXXX, XXXX, and XXXX XXXX XXXX ) as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous Complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the 31st day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

New complaint : I've submitted an FTC report and attached it because the previous issues were not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit score with all three agencies for months due to identity theft and because I have been working on raising my score to purchase a home. My score has been going up due to a credit score loan that I have been paying on early, my credit went from XXXX to XXXX since XXXX, I look every day, today I went on credit karma and it said Equifax score down XXXX points, it has a button to see what's changed, it stated nothing has changed, I called them because there is nothing at all that has changed in my credit report, they can't even find any changes. I asked them to explain what happened to drop my score XXXX points in one day. They told me nothing has changed on my credit report and can not explain the XXXX point drop in my score overnight. They will not look into the issue any further because they said they're has been no changes as I have proof of. They still will not fix the problem even though they agreed there was no reason for the drop. I want this fixed. There have been no changes, no accounts added, my accounts are frozen from any potential additional accounts being opened. But they will not investigate the problem that is obviously a mistake. My other credit report agencies did not have any drop in my score, in fact they are all increasing. Equifax is not giving any information as to why this would happen they have no explanation. I told them I was filing a complaint with consumer protection. I am two days away from going to lenders to pre-qualify for a home loan and now I can't due to Equifax dropping my score XXXX points over night with zero explanation. And they will not fix it.
Product: Student loan

My XXXX XXXX student loans were consolidated in XXXX and my balance of XXXX then, had XXXX in interest added to the loan. Since then I've made 8 years of payments at XXXX per month which adds up to XXXX $ in payments, and my balance is still {$8700.00} today 8 years later. Their list of interest and principal payments fluctuates monthly up and down with no steady payoff rate applied. Help?
Product: Checking or savings account

I received an email from Chime it said my account was scammed please reset your password, and I did reset it and now I can't access it. 

I tried to reset my password to gain access but I am unable to. I also tried calling and chatting with Chime and haven't had any luck. This has been going on since the beginning of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this credit reporting agency EXPERIAN XXXX. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/
Product: Credit card or prepaid card

From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was not validated and removed from XXXX, Equifax and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

XXXX XXXX brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on Equifax report illegally.
Product: Checking or savings account

Husband was contacted by Bank of America saying someone is trying to open a account under his XXXX and has his S.S number, Birthday, phone phone. And are using different email.
Product: Credit reporting or other personal consumer reports

The original creditor, XXXX XXXX sold the debt to XXXX XXXX without written consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Complaint against zelle ive had XXXX  for 7 years now and ive alwYs wondered where money goes because sometimes j start missing more money than what i actually sent thru zelle
Product: Debt collection

By my mid-late teens, I had pretty much grown out of my childhood, XXXX, or so I thought. Turns out I had just been avoiding my triggers. 
While on vacation my XXXX was triggered and my oxygen saturation depleted quickly. Quickly enough that I lost consciousness and those tending to me call XXXX and I was transported to the nearest hospital ; XXXX XXXX XXXX. At the time I had 2 forms of private health insurance. For reasons unknown XXXX XXXX refused to send a copy of the bill so I could forward it to my primary insurance. To this day Ive never seen this bill & have no clue what the charges were even for. 
The only explanation I received was We dont rebill. 
No matter the effort the representatives I spoke with were adamant that the insurance companies could not be involved. All of this occurred before my XXXX birthday & I had just established credit just for XXXX XXXX to send the bill to collections tarnishing my credit from the get-go.
Product: Credit reporting or other personal consumer reports

M & T bank shows 30 day late in XXXX. All 3 credit bureau are showing the. Dispute with all 3. M & T BANK even verified with me over the phone that I have never been 30 days late. Need this removed. XXXX came back 24hours later telling me results were accurate. That's incorrect. Please contact all 3 credit companies and have this removed. Has significantly decreased my credit as I had maintained above XXXX for over 10 years. Now it dropped my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm Writing this complaint against Transunion, XXXX XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, XXXX XXXX.
Product: Debt collection

Debt was paid to LVNV funding through garnishment on XX/XX/. Now they sold it to Resurgent who is using my former name to collect this debt. Saying I owe {$760.00}. I do not owe the original creditor XXXX XXXX XXXX  it was satisfied through court on XX/XX/. I only had one XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, 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.

Experian has stalled the process of removing the following unauthorized inquiries on my account. 
XXXX. XXXX CO XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX This process has been stalled and I have been mislead and lied to since XX/XX/XXXX. After checking my credit report and contacting them, I was advised I must send a police report and/or identity theft report. They have received both forms and I have contacted Experian over 30 times since the month of XXXX. They advised me once they receive the report these unauthorized hard inquiries will be removed. Now they are say that because I have an open auto loan that these inquiries are corresponding. That is false. These inquiries are FRAUDULENT. I have explained these inquires are from a several different dealerships who fraudulently ran my credit report. These dealerships are not correspondent with my open auto loan. They did not contact the above creditors to check my credit. The above creditors were ran by different dealerships for different transactions that are FRAUDULENT. I DID NOT CONTACT THE ABOVE LOCATIONS TO REQUEST ANY PURCHASE. YOU ARE DENYING ME OF MY LEGAL RIGHT BY NOT REMOVING THESE HARD INQUIRIES.
Product: Credit reporting or other personal consumer reports

My FTC Report Number XXXX I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer XXXX  credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at Barclays Bank Delaware on XX/XX/XXXX, under the account number ( XXXX ), a Credit Card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) and a XXXX XXXX XXXX account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

I have a medical bill that I have been paying monthly since XXXX of 2019. The amount was XXXX and it is down to XXXX I have been paying this amount to XXXX XXXX, XXXX ; however, I received a bill yesterday from Wakefield & Associates - XXXX XXXX, XXXX / stating i owe XXXX and i have a 9 % interest rate. I do not know why this company is claiming amount owed is XXXX nor why there is an interest on a medical bill. 

My account was never transferred to Wakefield & Associates..CEP IS STILL TAKING CARE OF THIS BILL. THIS COMPANY IS A FRAUD. 

XXXX XXXX XXXX, XXXX, TN XXXX