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

Transunion has refused to conduct a investigation after I have sent letters explaining and pointing out the inaccurate information on my report I will upload all documentation, accounts that should be closed reporting open, collection account reporting a past due balance, Terms being updated on a charge off account and the list goes on Transunion has ignored my disputes by responding with stall tactics, this is destroying my credit
Product: Debt collection

On XX/XX/XXXX I was served with a summons to appear in court on XX/XX/XXXX for a civil matter from Midland Funding LLC which bought a charged off debt from XXXX XXXX Bank on XX/XX/XXXX for a credit card with the last XXXX digits of the account ending in XXXX which had a statment included on summons. One statement shows a balance of {$25.00} made on XX/XX/XXXX. I never made a payment to this account nor have I had a card from this company in XXXX. I currently have 2 credit cards with XXXX XXXX Bank that are active and in good standing. Midland Funding LLC never reached out via phone or mail to provide me any attempt to collect a debt because I could have address this issue 6 years ago. This company or any company on this matter does not exist on my credit and I don't even show a XXXX XXXX Bank card from XXXX on all 3 credit companies. XX/XX/XXXX was the first time I have heard of this debt.
Product: Mortgage

I received an XXXX XXXX dated XX/XX/XXXX ( see attachments ) saying there is {$310.00} shortage amount on my loan and that divided by 12 months, there will be an increase of {$26.00} to my monthly mortgage payment. Then I received another letter on XX/XX/XXXX ( see attachment ) showing the shortage to be {$410.00}. 
As a background, my loan originated XX/XX/XXXX and I have been paying a {$100.00} Escrow payment towards PMI. I do not currently have an impound account. Per my amortization schedule, the PMI is to remain static until I reach the 80 % debt to loan ratio. Also, as of XX/XX/XXXX my loan was transferred to a new servicer. 
I contacted the new servicer on several occasions to understand what the shortage payment is for and they weren't able to help me because they are saying they don't see any transaction history prior to XXXX. Two supervisors ( XXXX and XXXX ) requested the transaction history from the old servicer and haven't received the document. They are claiming they are just collecting this amount on behalf of the old servicer and have nothing to do with it. 
I've also been in contact with the old servicer and they are also saying they don't know why there is a shortage payment. No one is able to help me and this is my last resort to get this issue resolved. I have made my mortgage payments on time every month since the origination of my loan and I don't understand why there is a shortage payment and why I would be the one responsible for that when I pay what I owe every month. I am not in control of when and how much money goes in and out of the escrow account, and I shouldn't be punished for it. I feel I am being given the run around by both servicers. No one is able to help me and I'm reaching out to you. Please help me to resolve this matter.
Product: Mortgage

In XXXX I sent a check for {$39000.00} to have the PMI removed and to have my loan recast. On XX/XX/XXXX, the PMI was removed, but there was an issue with the recast. I called monthly asking for an update and kept being told, that an update was owed in the next month and to call back if the issue remains open. This happened over and over. I had an email get locked and called trying to get information that was in the locked email, but was told no one could help me. IT said that it would unlock in 24 hours and to try again. This was incorrect and no one at the modifications email would respond to my requests for more information on the locked email. I kept asking to speak to someone in the modifications department. I was repeatedly told to email them, I emailed the department and never got a reply. Repeatedly. When I would complain about this to the customer service rep, they would shrug and say all they could do was send an email. Finally I demanded to speak to a supervisor. I was told my call " did not qualify for escalation, as the supervisor would just repeat what I had already been told. '' I was livid and went off. Finally, I was escalated to a supervisor, after XXXX months of trying to get assistance, and was told that Amerihome was waiting on a notarized letter from us. I never received the letter and that is why they had been holding the recast, but no one would answer me or advise that the letter was needed. The supervisor sent a copy of the paper via certified mail to ensure that we got this. We returned this letter on XX/XX/XXXX via certified mail, due to the continued issues we have had. The next week, we called in and my husband and I got different stories. I was told the letter had not been received and to just wait for our mortgage to go to the new company to perform the recast. My husband called in as I was so frustrated. He was told EXPLICITLY that the certified letter had been received and that the recast would occur on Monday XX/XX/XXXX before our loan was sold on XXXX. I called in on XX/XX/XXXX and was told that no the letter had not been received and once again to wait until we are sold tomorrow. I am so flustered with the disjointedness of this company and the flippant behavior that they have towards their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry and inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureau. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiry listed below as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

The original creditor Citibank N.A was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.
Product: Debt collection

Midland credit obtained a debt from another credit company! Midland credit management also has obtained my social security and other personal information of me and is posting it online the debt from midland is account number XXXX! My debt was sold and personal information with out my written permission or knowledge In accordance with the fair credit report act, conversion act has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c section 604A section 2 it also state consumer reporting agency can not furnish a account without written instruction
Product: Debt collection

They're the XXXX company trying to collect on some account that I've never opened with XXXX XXXX XXXX XXXX When I told them that it isn't mine they refused to speak further with me.
Product: Checking or savings account

On XX/XX/XXXX I set up a new checking account with Chase using the open new account link which described a coupon code being automatically applied for a {$200.00} bonus with prerequisites, which I fulfilled in the allotted time and the disclosure said that the bonus would be deposited within 10 business days. When I didnt receive bonus within 15 business days of fulfillment I called in on XX/XX/XXXX to question why I hadnt received the bonus and was told that a coupon code was never entered, I escalated to a supervisor whom was still unable to help and said the only way to have the coupon applied was to close the current account and open a new one with the code, which made no sense to me considering this was the main reason I setup the account in the first place and would have no clue of the bonus had I not opened it the way I did, and thought it to be computer error. Nonetheless he also tried to enter a code from the option enter email for code section which I also entered that day and received with him still on the line. The system would not accept it. I just want a resolution to the problem which he was unable to provide. Thanks
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ITEMS ( A ). It is not permitted to report these ITEMS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information, I must insist that this is done swiftly. Be advised that I have an adult son with the same name. 

There should only be XXXX hard inquiries on all XXXX reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be the only address on my reports.
Product: Mortgage

Myself and my current mortgage company have been trying to get Roundpoint Mortgage to fix a lien that they have on my property since XXXX. We have been calling and sending emails since the XXXX of XXXX. We were told XX/XX/XXXX was the date the lien was going to be filed to HUD but that didn't happen. The lien still has not been filed. We have over 20 emails between the two of us and over 30 phone calls documented. Even requested a phone call with the " President '' which never happened. XX/XX/XXXX was told someone would call me from customer advocate department on the XXXX. Was hung up on XX/XX/XXXX while being " transferred '' to the advocate with still no help. I called back and was told a customer advocate would call me within 24hours which has been their statement everything I call. All of this to get a lien filled correctly or released that was their mistake.
Product: Mortgage

In my opinion, Bank of America may have sold my loan to XXXX XXXX XXXX XXXX for pennies on the dollar. 

If so, in my opinion XXXX XXXX XXXX XXXX paid about {$110000.00} for my loan or less. 

Bank of America at that time claimed I owed {$200000.00} and therefore XXXX XXXX  XXXX XXXX could and would collect that amount from me. 

Or, did Bank of America only transfer my loan to XXXX XXXX XXXX XXXX without the exchange of monies and claim that they sold it to them. 

Its unfortunate, but every time I made a request for documents from Bank of America the legal team/personnel each and every time responded with unsound unrealistic insincere rhetoric diplomatically stating that they dont have to respond to my request or requests. 

I would like for the Bank of America legal team/personnel produce the below documents without diplomatically stating that they dont have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Business account is reporting negative information to my personal credit account. I am not the person liable for this business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

My application with XXXX is denied because credit issueI called XXXX customer service- sales to order XXXX lines and after getting information from me the rep asked me to speak to XXXX finance department and transferred me there while the other rep was on the line too. The XXXX finance rep asked me some questions on my finance and identity ( like my addresses n all ). I replied to all correctly, In addition they asked me my relatives personnel information including their birth date and age and so on. 
finally rep denied me approve service and told me that you no longer allow to apply next 60 days.I was advised to contact credit agency. 
Now I got letter from XXXX and not giving me specific reason for denial my application but ask me to call at Lexis Nexis company, at XXXX. 
I dont know what is this company? Is this a fraud comapny? 
I tried to call customer service three day 's in a raw, all is recording play and no human answer to my call. 
I 'm strongly disputing this decision and would like to know why any company asked me third party personnel information to verify my identity? Why privacy law does not apply to these companies?
Product: Debt collection

DEPTEDNELNET They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XXXX- c

urrent. 28 accounts that they have transferred to collections. Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00},
{$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

They constantly call me everyday, all day. They called me before XXXX and when I told them this they basically brushed it off & continued to ask me how I was going to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The following accounts, collection accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and 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
Product: Credit card

Stayed at a hotel on XX/XX/XXXX with my XXXX XXXX. Afterwards, I noticed the hotel had charged me a {$50.00} fee for the XXXX XXXX, which is illegal. 

I was unable to reach the merchant, so filed a disupte with Citibank on XX/XX/XXXX. They closed the dispute citing not enough information was provided, without giving me an opportunity to provide more supporting information. 

I spent XXXX weeks requesting that they reopen the dispute and contacted Citibank over a dozen times. I was never given an opportunity to submit more information, as the online portal never showed that the dispute was reopened. 

I received a letter from Citibank a couple days ago saying that they will not communicate with me further on this matter, so I need to escalate the matter as they have been unwilling to work with me to resolve the dispute.
Product: Checking or savings account

I went to the dealership to view the vehicle and found that the car was not what was advertised on the dealership 's website. The dealership 's website was very misleading and fraudulent I had a very brief discussion with the owner explaining that the car that was advertised was not the same car I looked at in person. 

After numerous conversations, the dealership explained he was not giving me my deposit back and I finally went and started a dispute with Capital One Bank to recoup the funds. 
I was issued a temporary credit, but the bank felt that I was wrong because all conversations were in person and I had no evidence that the claim was invalid. 
This issue has caused serious issues on my finances and my account I was never rendered the services and should not be held accountable for a bad car dealership.
Product: Student loan

I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting
Product: Debt collection

I had cancelled my subscription for my mobile service in XXXX XXXX XXXX  and requested the final bill for XXXX and XXXX because I had switched carriers ( XXXX XXXX XXXX XXXX XXXX stopped sending me paper bills without authorization, ( I never gave them permission to bill me electronically ). In XX/XX/XXXX I began receiving daily phone calls and was told the amount was for the months of XX/XX/XXXX through XX/XX/XXXX, and the full balance for that amount was due {$500.00} and I informed XXXX XXXX XXXX they had continued billing me after the service was cancelled and I needed the bill adjusted to reflect the correct amount and to send me a paper copy of the bill, which they never complied. I told them I was on a fixed income and that I would pay XXXX XXXX  month until they resolved the disputed amount, just to stop them from calling me daily. I made three monthly payments via phone with a customer service representative and XXXX XXXX XXXX continued to call asking for an amount that was incorrect. I stopped paying the XXXX XXXX  monthly when I a customer service rep said that I had to pay the bill online, and stated that I had a right to view a statement/bill from them. XX/XX/XXXX XXXX XXXX XXXX sent the bill to Credence Collection agency and a negative collection report showed up on my credit history from the 3 major credit reporting agencies. I filled a dispute complaint with the Illinois Attorney General 'd Office online. I sent a certified letter to Credence Collection agency asking for a paper bill from the XXXX XXXX XXXX and that was disputing the amount in their correspondence. XX/XX/XXXX I received a notice from Credence that my dispute was " recalled '' by XXXX XXXX XXXX and that I had to speak with them directly if I had further questions about my account. XX/XX/XXXX, I contacted Credence and demanded the negative collection report be removed from my credit history, and I was told that they no longer had my account and that all inquiries should be directed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told that they would not remove the negative report on my credit file until I paid {$400.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for inaccurately reporting a collection account on my credit report. This account is not reported by XXXX or XXXX, yet TransUnion continues to list it despite my dispute. 

TransUnion has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I have provided sufficient evidence demonstrating the inaccuracy, yet the information remains unchanged.
Product: Debt collection

My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. 
Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.
Product: Credit reporting or other personal consumer reports

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report.

2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information.

3- As shown on the document attached, only one phone number belongs to me, 4- XXXX XXXX XXXX XXXX added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same.

5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}