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

I am a victim of identity theft. I have advised the credit bureaus of this on multiple occasions. My personal information was exposed in multiple data breaches. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXXXX 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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

-Copy of my driver 's license as verification of Identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Mortgage

I was referred to use this company in the process of obtaining a home loan. They have been extremely careless with my file, requesting extension after extension of the closing date. We have had over XXXX extensions and now the seller has cancelled the file and our deposit money is in jeopardy of not being refunded. On top of the deposit money, we are out of pocket over {$2500.00} on various inspections that were required by Van Dyk Mortgage. In addition to causing the seller to cancel the contract after four months of trying to get it closed they were attempting to charge me nearly {$5000.00} in rate lock extension fees at closing to which I believe is their modus operandi to force extensions so they can pocket thousands of dollars in rate lock fees. They also refused to provide documents for legal review, stating " we do n't like lawyers reviewing our paperwork ''. I am currently out of pocket over {$12000.00} and the company is threatening me with legal action for posting negative reviews of their services. I have documentation to back up my claims and to prove these extensions were through no fault of ours yet they still refuse to even apologize for the 4 month runaround and losing me a significant portion of my life savings.
Product: Debt collection

XXXX XXXX. 
XXXX XXXX XXXX XXXX 
{$950.00} reference # : XXXX I do not use XXXX for anything, ever.

I have zero idea what this debt is in reference to.

Their mailing has no validation for the debt. 

American Coradius International LLC is collector that sent the attached letter.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has decide to leave delinquent on my credit report after filing XXXX XXXX XX/XX/2024 and it already discharged needs to reflect a XXXX balance and no $ $ amount due
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and I noticed a few unauthorized inquiries on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries were made on XX/XX/2022.
Product: Debt collection

I had a dispute with American Express regarding a card issued to someone without my authorization. The other cardholder according to Amex had authority do so which I agree. However, Amex will not say if that person misrepresented my credentials including my social security number to obtain the card. Amex cancelled the card and I removed the person from the account. The card was also sent to an address that's not listed on the account and Amex would not divulge that information. If someone stole my identity and were to request card to another address won't I have the authority to know and being notified. Amex wouldn't answer that question. 

Few week later, Amex cancelled all my cards ( one personal, and two of my business cards ) citing member policy violation. I was not notified of the actions. The letter stated that I am responsible for any charges as per cardholder agreement. 

My personal card was subscribing to ebill through my bank and payment is made automatically two days before due date on the statement balance. The other two business cards have auto draft setup to be paid two days before due date with Amex. 

I have been paying Amex this way for a number of years ( personal card for 17 years ) and business cards for about 5 and 1 year respectively. I have never been late on any charges and never had any late fees or unpaid balances. 

Upon closing my account, my past month drafts went as usual through normal means and I was hoping that the final statement of the closed accounts would follow suit this month. However, Amex without giving any advanced notice either to pay the amounts on closed accounts immediately or make alternative payment methods as it won't send any ebill or draft money from my business accounts, all my three cards were sent to collection and I received email that my cards are overdue. 

This is absolutely not true. One card was scheduled to be drafted on XX/XX/XXXX by Amex was also sent for collection. I am unable to reach Amex and question their motives and why I was not notified in advance about paying the bills directly or that they won't draft it automatically. 

I can only see a sinister motive to ruin my credit and take making a corporate statement. 

My calls to AMex are sent to a voicemail once my card number is given and no would return or take my call. 

I have the proof of my auto draft and all my payment records. Online Amex shows that my account is still fine that there's no past overdues but still it was sent to a collection agency. 

I have paid all of the outstanding amounts immediately. What Amex did was totally irreprehensible and they should be held accountable for any impact on my credit due to their irresponsible actions.
Product: Credit card or prepaid card

In XX/XX/2016, XXXX facilitated issuing a fraudulent credit card in my name, and billed the card with an XXXX XXXX XXXX. They told me somebody had made a purchase, and had the item ( a television I Believe ) shipped to an address that was not mine. I only discovered this fact months later, and immediately contacted XXXX and chase when I figured out what had happened. 

After spending HOURS on the phone with both XXXX, and chase - i was assured the matter was clearly identified as fraudulent, and would be corrected. It was not - the credit card company added late charges, which I refused to pay - then eventually charged off an amount of XXXX. 

This single fraudulent charge off affected the loan rate of my truck, adding almost 2 % to the rate.
Product: Student loan

I started pursuing a XXXX degree in XXXX at XXXX XXXX XXXX in XXXX Utah in XXXX and was told that I would be in debt of {$45000.00} upon graduating. They did all of my XXXX and Federal Government loans and I never really understood the amount that they were applying for. I graduated in XXXX with my XXXX degree, but had to get a forbearance. I had a forbearance up until XXXX. I am now finding out that I owe {$91000.00} for Federal Student Loans, and I believe that they have double charged me for classes and/or charged me for classes that I either didn't take, or were irrelevant to my degree.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Agency : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account XXXX XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request.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
Product: Credit reporting, credit repair services, or other personal consumer reports

Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a  hacker .need this matter resolved so i can have my credit card back or new one sent.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against TransUnion for its failure to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I contacted TransUnion 's SmartMove service to request a copy of my " ResidentScore. '' I was informed that I was not entitled to access this report unless I submitted a housing application. I explained that I am currently applying for housing and wanted to ensure I am fully informed of the information potential landlords are receiving about me. This is crucial for me to address any potential inaccuracies and ensure that I am not unfairly denied housing or subjected to higher security deposits based on this information. 

Following their instructions, I called TransUnion directly at XXXX, where I was redirected to another number, XXXX, to request my tenant screening report and score. Once again, I was told I could not access my report unless I had already submitted a housing application for screening. 

This runaround and ultimate denial of access to my own consumer information is frustrating and appears to be in direct violation of consumer protection laws that guarantee me the right to access the information that credit reporting agencies have on me. The Fair Credit Reporting Act entitles consumers to obtain a copy of their credit report annually, as well as under certain other circumstances, to ensure transparency and accuracy of the information that can significantly impact their lives. 

The inability to access this information prevents me from taking proactive steps to understand and, if necessary, dispute any incorrect information that could adversely affect my chances of securing housing. It is imperative for consumers to be empowered with the same information that potential landlords have access to, to ensure fair treatment and to prevent potential discrimination. 

I am requesting the CFPB 's assistance in investigating this matter and compelling TransUnion to provide me with a copy of my Rental/Tenant Screening Score and Consumer Report, as is my right. Also, I'd like to ask that the CFPB take any additional actions deemed necessary to ensure that TransUnion complies with all applicable consumer protection laws to prevent similar situations from occurring to other consumers. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Charge Off ( XXXX ) XXXX - Account # : XXXX - Balance : {$1700.00} Repossession ( XXXX Bureaus ) XXXX XXXX - Account # XXXX XXXX - Payment Status : Current Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report Incorrect DOB - 1990 Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX
Product: Credit card

I have a Lowes store credit card through Synchrony bank for the past XXXX months. I have been making payments on time and paying more than my minimum requirement. I have not used it for over a few months and last month they decreased my credit limit and reported it to credit agency. In return the credit agency reduced my credit rating. I was making payments and being a good customer and synchrony bank punished me for not using my card. Now Im trying to fix my credit rating because of them.
Product: Mortgage

I have attempted to get caught up on my Mortgage Payments and they have closed my online payment access and refuse to help me over the phone even though there is a 15 day grace period and I thought I could make payment to catch up by the 15th but instead they are throwing me into foreclosiure. I have no documents and no access to my account.
Product: Credit reporting or other personal consumer reports

This was sent on XX/XX/2025 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

I am also disputing the inaccurancy of the names, addresses, email addresses, phone numbers, spouse, and Derogatory Accounts. The accuracy of listed accounts and personal information are incorrect.
Product: Credit reporting or other personal consumer reports

For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.
Product: Credit reporting or other personal consumer reports

Creditor furnishing inaccurate information that is related to identity theft
Product: Credit reporting or other personal consumer reports

I have been disputing a company called XXXX XXXX, they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are XXXX violations of my rights. 

XXXX XXXX keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also transunion XXXX and XXXX are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Product: Debt collection

I am receiving derogatory remarks on my credit score from an account in collections from a company I do not owe for {$1100.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 has reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  XXXX Date Opened : XX/XX/1995 Balance : {$21000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I received payday loans from advance america in north carolina in the XXXX  and was charged large fees and amounts were deducted before they were due which lead to fees from my bank.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion for failing to investigate disputes I submitted regarding inaccuracies on my credit report. Over the course of three separate disputes, TransUnion has : Failed to provide documentation or evidence demonstrating how the disputed items were verified or updated. 

Neglected to include the required " notice of dispute '' on the accounts in question, violating the FCRA. 

This lack of action is unacceptable and does not align with the standards set forth in federal law. I have attached supporting documents, including my dispute correspondence and the responses received from TransUnion.

These actions ( or inactions ) have caused unnecessary harm to my credit standing and have hindered my ability to secure financial opportunities.. I kindly request that the CFPB investigate TransUnions practices and take corrective measures to ensure compliance.

Thank you for addressing this issue. I am available to provide further information if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.
Product: Credit card or prepaid card

I was to receive an offer I accepted of XXXX percent good through XX/XX/20. They claimed I never received the offer. They would not hear me on this matter.
Product: Debt collection

My daughter 's phone keeps getting calls and messages from this company called Mr Cooper Loans, number XXXX. we never had any business with them, never own any money to any company. I called them asking them to remove our phone number from their calling list, they admit we don't have any loan with them, but the customer service guy refused to remove our phone number and hanged up.
Product: Vehicle loan or lease

On XX/XX/23 I purchased a used vehicle from XXXX XXXX dealership. Westlake Financial agreed to finance the {$5100.00} loan. I was told to make my first payment of {$180.00} by XX/XX/23. 

I mailed the payment and then I was told my loan was denied because they could not verify my employment with the State of California ( they refused to call the employment verification number that my human resources provided ) My issue is not with the dealership, XXXX they found me a new lender. My issue is with the original lender, Westlake Financial. 

They kept my payment and told me that since I do not have a loan, I can't get my payment back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an investigation request to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I incurred. despite having insufficient funds when transaction was authorized I was charged fees due to lagging posting of charges and credit. This issues aligns with the recent CFPD findings against Navy Federal was similar practices where transaction settled with insufficient balance, despite initial available funds. I believe that these practices are unfair and request an investigation on to my account transactions.