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

Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXX/XX/XXXX Content of Complaint : This complaint has been filed with the CFPB to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion TransUnion XXXX XXXX, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud. According to the provisions of this law, you are required to block such information within four business days of receiving this request. The fraudulent, inaccurate, and false information includes personal credit accounts and records, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Additionally, these fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections being reported on my consumer FICO credit report.

It is also important to note that the presence of this inaccurate information conflicts with the broader provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which require the accurate and fair reporting of consumer credit information. This request is made in accordance with FCRA 605B and the general principles of the FCRA, without invoking or relying on the dispute procedures outlined in 15 U.S.C. 1681i.

I have attached the following supporting documents for your review : A list of the hard inquiries in question.

A copy of my consumer FICO credit report maintained by TransUnion showing the fraudulent items.

A copy of the FTC Identity Theft Report ( Criminal Complaint Number : [ Insert Number ] ) confirming the identity theft.

I do not recognize the aforementioned accounts, collections, or hard inquiries. These were not opened, initiated, or authorized by me. All are the result of identity theft and fraud.

In accordance with FCRA 605B, I request that TransUnion take immediate action to block this information from my credit report and confirm once the corrections have been made. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at the address provided herein. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$100.00} ; XXXX  XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Product: Vehicle loan or lease

I have a car lease with credit acceptance, I fell behind on my payments due to having XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and being out of work. I was in contact with credit acceptance they said the only they could help me was to add the past due to the back end of my lease making my payment {$780.00}. My payments are also not getting reported that I pay or being allocated correctly and I can not get into another car or even turn in this car because of the way they report. When I make my payments its still showing that Im behind almost an year even though they added my behind payments into my lease, also I didnt sign a new contract for them to do that. They put my car into repo status and I still have my car. I have been in contact with credit acceptance on why they dont report on the months I make payments and they replied we just dont do that
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through TD Bank. Now that we are closing, XXXX is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. 

On XX/XX/XXXX, XXXX said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because TD was not reporting to them. TD has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including XXXX. On XX/XX/XXXX, this issue is still going on and holding up closing. Both TD Bank and XXXX maintain there is nothing they can do. TD Bank says they are reporting it ( which they have been since XXXX ), and XXXX is saying they can not see it and the bank must have removed them from reporting. 

I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from TD, and XXXX used to have this line on file.
Product: Credit card or prepaid card

Discover Card raised my interest rate to XXXX without my knowledge or consent or for any reason. 

I wrote, called and was on a chat today XX/XX/XXXX submitting a formal request for an explanation. It was completely ignored. 

I had recently begun a program of a reduced rate of XXXX for 6 months due to a job change. I did not know it was at XXXX before around XX/XX/XXXX. I agreed to a freeze on my account and the temporary rate reduction. They were supposed to send me documentation why my rate was XXXX but never did. They also told me the freeze on my card was temporary. This was a lie. There is no guarantee my card will every be unfrozen. I have never paid late, have credit score of XXXX. 

I finally got a supervisor on chat who just kept telling me the same thing over and over about the temp interest rate and repeating what I already knew and completely ignoring my request for documentation as to why my interest rate went up from 12 to 14 % ( not sure ) in XXXX to XXXX. 

I also asked for a rate reduction. He completely ignored and just sent the same response saying my account freeze would be periodically reviewed like he was some kind of robot.
Product: Mortgage

n XXXX, I went through a divorce and I tried to stay in my house with my kids but found I couldn't afford it. I have since moved out and was willing to let it go into foreclosure and then I had a conversation with Select Portfolio Servicing ( SPS ) about the possibility of a short sale. SPS is servicing the mortgage for the investor but no one can tell me who exactly the investor is or how to get in touch with them. I have had several offers and they keep getting denied by the investor. I owe {$100000.00} on the house. The house needs some work and there is a cash offer of {$85000.00} waiting now that they keep denying but SPS tells me there is no way for me to get in touch with the investor who makes the decision. I don't see how this is even a possibility. If someone is making a decision that affects my life, I should be able to contact them in some way. Also, the mortgage company tried to file a claim on my homeowner 's insurance saying there was vandalism and that is not true. The realtor that SPS put me in contact with even said that he has pictures he took of the house from XX/XX/XXXX when he first listed it and nothing has changed. His words were " it is still in the same state of disrepair ''. I believe whoever tried to file that claim was trying to get my insurance company to do the repairs needed on the house by stating it was vandalized. It was not vandalized and I have since dropped the insurance on the house because I can't legally stop the mortgage company from filing a claim because they have an insurable interest in the house. I am not sure what to do and why the investor keeps denying a short sale but I can not find a way to get in contact with the investor. I keep getting the run around. The final court date for the foreclosure is set for XX/XX/XXXX and I don't understand why they would rather foreclose on it than take the cash being offered.
Product: Debt collection

I have a company coming after me for payment of debt collection but the debt has been paid and settled. I asked them to please stop contacting me and to remove all negative remarks and they won't.,
Product: Credit reporting or other personal consumer reports

INQUIRY
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THESE PERSONAL INFORMATION IS INCORRECT:

-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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Fay Servicing Company is a sham. My account was sold to them back in XX/XX/XXXX I  believe, of XX/XX/XXXX. I turned XXXX on XX/XX/XXXX and received a letter from the tax office about my homestead exemption. I immediately sent proof to XXXX as requested. XXXX told me that my account would go down {$200.00} or more. I was glad as I am a single parent with a young child. My account was sold soon after, and Fay Servicing account manager gave me the figure of {$240.00} decrease. Therefore, I sent in the balance each month with the account manager saying they had to wait on the tax rolls. When the got the tax rolls, they continued to charge the full price, all the while sending me letters of foreclosure and several people came by my house placing embarrassing letters attached to my door. Certified letters were also sent, offering short sale. I the account manager over and over that I had no intention of letting Fay Servicing take my home. I had asked for help when they bought my account because I was one month behind. We decided on a modification all the while they threatened me foreclosure although I was sending the correct amount each month, I thought. In XX/XX/XXXX I was told the modification was denied because it had been too soon to receive another one. All the efforts that I had to put in and all the time I waited was a joke. So, in XX/XX/XXXX, I sent in {$1500.00}, but still got a demand letter and another person brought me a letter. I tried to pay more on the account, but they won't accept it and the account manager will not call me back. Also, they have an escrow overage that they kept telling me that was going to be sent, but I never received ( {$390.00} ). Other employees told me that my account manager had released the demand letter. I am also taking XXXX which I told the account manager and had to stop working.
Product: Debt collection

I received a letter from FAIR COLLECTIONS & OUTSOURCING XXXX of 2021 in response to a debt validation letter I initiated. Upon my research FAIR COLLECTIONS & OUTSOURCING is in violation of sending a copy of the consumer credit contract which is not sufficient to validate the alleged debt per evidenced by XXXX XXXX XXXX XXXX XXXX v. XXXX. As a result, this violation has furnished false and misleading representation per 15 U.S. Code 1692e.
Product: Credit reporting or other personal consumer reports

XXXX - {$1900.00} disputed with all three credit bureaus due to age of account is older than XXXX old. XXXX and XXXX XXXX confirmed and removed the account. XXXX failed remove account after confirming date exceeded the XXXX time frame. 

XXXX Acceptance- {$6500.00} disputed with all three credit bureaus due to age of account is older than XXXX old. XXXX and XXXX XXXX confirmed and removed the account. XXXX failed remove account after confirming date exceeded the XXXX time frame.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  is reporting me as late on one of my credit cards ( more than 30 days ). I have never been late. I submitted the information to all 3 Credit Bureaus, called customer service at XXXX XXXX and confirmed I was never late 30 days. They had a department I could not speak to and could only send registered letter and information. 

I provided statements to the credit bureaus and copies of my bank statements and sent the same to the department at XXXX XXXX. 

They are still reporting me as late.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account .this accounts is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me lo ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX ) Transunion : ( XXXX XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't believe this. I never thought I could be a victim of identity theft. I try my absolute best to keep my information safe and I am mind blown. These accounts have negatively impacted my score and I am trying to purchase a home for myself and my family. I consulted with a lawyer and he stated that according to the Fair credit reporting act section 605b, these accounts must be removed within 4 business days because they are fraudulent. Please help me with this, I am so scared that my information was compromised.
Product: Credit reporting

XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation 1 : Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 On 4/19/2019, I sent a certified letter to National Credit adjuster stating that the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), states that I have the right to dispute the debt and for them, NCA, to validate the debt. In the letter, I stated that it wasn't a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. NCA responded, by stating that they were not able to validate and that the debt would be closed. Shortly after receiving the letter, the debt was shown as closed on my credit report, and while later, it was deleted on all three bureaus. Now, this month, years later the debt has resurfaced without any communication or validation from NCA.

Violation 2 : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) National Credit Adjuster failed to notify me that they supplied negative credit information to the credit reporting agencies.

Per the above-named Title and Section, a creditor or debt collection agency, must provide the notice either before they furnish the negative information or within 30 days of furnishing it. The debt collector or creditor have to include the notice with a notice of default, a billing statement, or another item sent to the consumer. They were in violation the first time they placed it on my report, and in violation when it was placed on my report this month. NCA failed to follow those rules, and is in violation of the FCRA and FDCPA..
Product: Debt collection

I identified multiple incorrect accounts on my credit report, which I believe were added without my authorization. Please ensure they are removed as they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 reporting agency can not furnish a account without my written instructions. 
XXXX  # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX  # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed
Product: Vehicle loan or lease

This is regarding Wells Fargo Dealer Services and acct. no. XXXX 1 ) This load was a rip off for several reasons -- all loans between XXXX are now part of a Class Action lawsuit from Wells Fargo due to them illegally placing CPI ( Collateral Proection Insurance ( CPI ) on all vehicles despite our aleady having insurance 2 ) They also were applying dollars paid to the interest including insurance and not the Principal, so it makes all payments during this time frame look late for 30 days 3 ) They also went in an placed a fraudulent payment on the account although payments were no made. 
The car was ultimately repossessed due to the exboritant payments and fees
Product: Checking or savings account

On XX/XX/year>, I initiated a transfer of {$6500.00} from my Bank of America account to my XXXX IRA account. The transfer initially appeared to be successful, and I used these funds to purchase stocks. However, a few days later, I was informed that the transfer had been canceled by Bank of America. As a result, XXXX notified me that my account would be subject to liquidation if the funds were not transferred promptly. 

I attempted multiple times to reinitiate the transfer using the same bank details, but all attempts failed. Meanwhile, XXXX proceeded with selling my stocks to cover the insufficient funds, resulting in a financial loss. Ironically, a few days after the stocks were sold, Bank of America successfully processed the transfer using the same information. 

Bank of America has since claimed that the transfer initially failed due to incorrect information. However, I have evidence showing that the bank details were correct from the start, and later transfers using the same information were processed successfully. The inconsistency and delayed processing caused a significant financial loss, which I believe is due to Bank of Americas error in handling the initial transaction. 

I am seeking compensation for the financial loss incurred due to these delays and errors
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is wrong name and collection is not mine
Product: Student loan

XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX  XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal XXXX. These fraudulent entries have had a profoundly negative impact on my XXXX XXXX, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX