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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transuion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Transuion written permission to furnish these accounts : XXXX. XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX ( 5 LATE PAYMENTS ) Account number : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX. XXXX ( 1 LATE PAYMENT ) Account number : XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, XXXX, and TransUnion. If you require any further information, please do not hesitate to contact me. The inquiries in question are as follows : 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, the XXXX XXXX XXXX that was leased was in an accident. The car was totaled by the insurance company then the balance of {$2000.00} was written/paid off. Since this was an accident and XXXX dealt with the insurance company for a final resolution, there was no information reported to the credit agencies in XXXX, XXXX, XXXX, XXXX or XXXX of XXXX. Once resolved, I received a balance and submitted the final payment of {$490.00} on XX/XX/XXXX. I leased 4 cars, all for 3 years from XXXX and was never late on any payments. After having the remaining balance removed from my report, I reviewed it this morning and I was surprised to see that I missed a payment which is false and the account is listed as " derogatory ''. I have had this issue in the past with XXXX, they lack integrity and have questionable business practices which is why I will no longer conduct business with them. I appreciate any help your organization may be able to provide, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.
Product: Vehicle loan or lease

To whom it may concern Please may I request your help in resolving a  dire situation. On XX/XX/2019 I purchased a vehicle from a illegitimate auto dealership titled XXXX XXXX  in XXXX  XXXX Wisconsin. The dealership was forced to close shortly after I purchased the vehicle in question.The dealership has now moved to XXXX Wisconsin as their headquarters. The issue in question here is the vehicle was sold fraudulently. The automobile has required upwards of {$20000.00} in necessary repairs. More importantly it has been brought to my attention by the XXXX dealership of XXXX Minnesota that the automobile has been in a major head-on collision ever disclosed. I am involved with a lessor that the dealership is involved with known as Regional Acceptance Corporation that has confirmed to me that my lease terms are for 7 years duration as I was never reviewed the details of the lease nor was I ever given paperwork. The dealership at the time stated to me that their office would send forth all paperwork never to be received. furthermore it has come to my attention that the odometer in the vehicle has been tampered with and was possibly disconnected for a duration of time. I have attempted to negotiate with both the dealership and the lessor to no avail.I have requested to voluntarily surrender the vehicle only to be threatened with a charge-off being reported to all three credit bureaus. This entire transaction was illegal. The vehicle was entirely misrepresented. I have reported the dealership to the Wisconsin Dealership Complaint Board as well as to the Iowa Attorney General, the Wisconsin Attorney General and the State of Wisconsin Consumer Protection Bureau.All service records pertaining are available for review. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 seperate disputes showing inaccurate information reporting to the three Bureau. This is a direct violation and I have even showed the proof of the actual violation. The company came back and said UPDATED and or VERIFIED. No information was changed and why would you state verified if I'm showing you the inaccuracy on the report. This information is causing me pain and suffering for there willingness to not do the right thing. Please delete the account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

XXXX XXXX XXXX Is a Fraud account this account has already be file with the FTC previously here is a new FTC file number for this account FTC report numberXXXX Also I have a right of privacy 15 USC 6802 and 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 or other personal consumer reports

The following is a list of inquiries that were authorized without my consent, using my personal information to open accounts fraudulently. The inquiries in question are 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
Product: Mortgage

Freedom Mortgage 1. Does not offer total break down of all charges going into escrow account on website.

2. I received my new tax bill stating bill for my taxes for XX/XX/2018 stating they should be {$4900.00}. This would be a reduction in amount of my monthly payment. I have not received a reduction or any information regarding this new tax bill.

3. I filed for Homestead exemption and over 65 exemption which should reduce my taxes and my house payment. FM still taking out $ 660+ a month and I can not see any break down of this on the website.

4.I did not choose this company. I was forced to take because my closing mortgage company sold my account to them.

5. They dont even allow for online e-statements.

6. There is no place online to pay additional escrow amounts without attaching it to a payment. You have to call and talk to someone, give them your cc number and they then they take it out. I dont know these people and this is about as secure as a fish in the ocean, Yes, I use snail mail to mail it but I dont use checks.

6.I have sent them complaints on their email address only to receive an email stating someone would send me a letter in the mail regarding my concerns! A letter????? Why cant hey answer the email?

7. Backwards, unprofessional, disconnected to internet conveniences for customers. Numerous complaints on XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach that occurred on XX/XX/. This breach resulted in the unauthorized access and exposure of my personal information, including [ specify compromised data, such as Social Security Number, financial details, or other sensitive information ]. 

I became aware of this incident through notification from the affected company or suspicious account activity. Since the breach, I have been at risk of identity theft and fraudulent activity, which has caused significant concern regarding my financial and personal security. 

I request immediate assistance in addressing and resolving any unauthorized actions or inquiries related to this breach. Thank you
Product: Credit reporting or other personal consumer reports

i Have filed several complaints from my end, Nothing is being done from bureau side, I demand my rights, please remove all the items listed in the FTC
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$4000.00} 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, credit repair services, or other personal consumer reports

Trans union continues to send in a email that has nothing to do with the investigation and removing the unauthorized inquiries they continue to give me the runaround. They also deducted 8 points from my credit report because I contacted cfpb even though I havent opened any new credit, closed any credit and has 100 % payment.
Product: Credit reporting or other personal consumer reports

I am reporting unauthorized credit inquiries from the following companies : 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. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.
Product: Mortgage

Before my mortgage was acquired by Specialized, my mortgage was with XXXX Mortgage. While with XXXX, all payments were made on time through an electronic XXXX  funds transfer. 

During the beginning of 2023, I was advised that Specialized would assume servicing of my loan from XXXX. Unfortunately, the transition was not seamless. During the first month, both XXXX and Specialized attempted to draw funds from my bank account via XXXX. In fact, XXXX XXXX them first however, Specialized assumed I had missed a payment. As a result, I ceased XXXX payments and ordered monthly bill pay through a reputable national bank. Each month, sending my monthly payment with an email confirmation to Specialized team. Unfortunately, they have not recorded my payments and have imposed fees and penalties thus impacting my credit score. I have spent extended periods on hold, sent written correspondence without remedy. I am concerned the combination of fees, penalties and impact to my otherwise strong credit score is not only unethical, it is adversely impacting my financial health and ability to secure employment. Please assist by holding Specialized accountable!
Product: Debt collection

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX reporting past due XXXX XXXXXXXX XXXX/ XXXX XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report.

Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter
Product: Credit card or prepaid card

I have been deceived by Citibank. Looks like they have a program called Payment Safeguard where they charge you a certain percentage a month according to what you balance is to protect it. I was never informed from the beginning which was XXXX. They have no written documentation from me saying I accepted it nor do they have anything recorded. I got a letter saying I started this in XX/XX/XXXX but there is no documentation. 
I am looking to get credited all the way back to then. Many customers have had to do this and some were refunded in XXXX per the CFPB Settlement, but it looks like they have excluded some customers or just pick and chose who they should settle with. 

Not a real good look for CITIBANK
Product: Credit reporting or other personal consumer reports

There are illegal reports and hard inquiries on my credit report that are preventing me from accessing my own credit and I would like them delete it
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>, I notified TransUnion of inaccurate information reporting on my credit file. TransUnion provided investigation results dated XX/XX/year>. In a letter dated XX/XX/year>, I requested a re-investigation and Method of Verification, to which TransUnion never responded even as of today. This is a violation of not only the Fair Credit Reporting Act ( FCRA ), but also the Consumer Financial Protection Bureau ( CFPB ) and my consumer rights. TransUnion failed to correct the inaccurate information on my credit report and furthermore refused to re-investigate and provide pertinent information as I requested.
Product: Mortgage

Greetings. 
I believe we were taken advantage of by PHH mortgage by burdening us with a " bad mortgage product '' based on several observations. A. We do not have the income to live and afford a large house payment. And each time that I've asked PHH mortgage rep 's what their income requirements were for a {$1200.00} house payment were, I've been disconnected or have been told, no supervisor available. Seems like a " red flag '' for a predatory lender. We have been here for 7 months now and every month I've pulled money from our savings account to either pay bills and to live! For example to be able to rent in this area you need income approximately 3 times what your rent would be. At the end of the day after bills and inflated house payment are made we have approximately $ XXXX. 
To live. Better not have anything unexpected happen. 
B. My wife and I are both XXXX and over XXXX XXXX XXXX. 
C. We were living out of an RV for two and a half years before purchasing this house. 
Which mortgage lady, XXXX new. I did explain to her that we were comfortable with a $ XXXX payment, which then would have giving us approximately {$900.00} to survive the month. 
D. At the time this deal went through, XXXX of XXXX, the market was slow and mortgage people who were involved seemed to be more bent on just making the deal happen verses paying attention to clients actaul specifics, like income evidently. 
C. Also needed to add we found out about Ca. supplemental property taxes till after the deal was signed, unexpected {$700.00}. cost along with what this area calls the XXXX XXXXXXXX XXXX the house insurance another unexpected {$700.00}. charge! After I pull another {$700.00} From savings will be reduced to a XXXX XXXX XXXX  left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts reporting on credit report are not mine Sent multiple identity theft reports via USPS mail Called company to report
Product: Credit reporting, credit repair services, or other personal consumer reports

An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was discharged  XX/XX/XXXX .  XXXX /DBA  XXXX   XXXX   XXXX  was refinanced on   XX/XX/XXXX , while  I was under wage earner. The new loan is with  XXXX   XXXX .
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/XXXX I was contacted by an unidentified person posing as an employee from the Wells Fargo fraud department. I was told that there were fraudulent transactions on my account and that I needed to move money from my account to a safe location while these issues were resolved. Within seconds, {$10000.00} was stolen from my account and used to make purchases at an XXXX XXXX in XXXX XXXX. A XXXX XXXX detective is working with the XXXX XXXX Police Department. 
Wells Fargo is one of several large US banks facing lawsuits from customers where the financial giants have lax security measures, dont properly verify large transactions and shrug their shoulders as fraudulent transactions are reported in real time. This was all reported to Wells Fargo almost immediately. They still refuse to accept any responsibility at all, putting the entire blame on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.