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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX   now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These items has been reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent Names and Addresses consist of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned Names and Addresses reported. The aforementioned Addresses, Names, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned Addresses, Names, and hard inquiries are the result of identity theft and fraud that all of the aforementioned consumer credit Addresses, Names, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a {$50.00} annual fee on my XXXX Bank card. At that time my card had a XXXX balance so I was not checking this account and missed that an annual fee had been charged, so I missed my payment. When I got a letter in the mail I called the consumer services person said they would reverse and {$41.00} fee and I authorized a {$50.00} payment for the annual fee. I did not hear anything from the bank in XXXX, but in XXXX I got a letter stating my account was passed due so I called the consumer service person said there was nothing wrong with my account and to discard the letter it was send by mistake. I hear nothing else so I thought everything was ok. In XXXX I received another letter so I called the bank on XXXX. The representative said the same thing that the account was current and there was no issue. on XX/XX/XXXX I got a letter and a check from the bank saying they closed my secured credit card due to non-payment and they deducted all the fees/interest + the annual payment amount total deducted was {$160.00}. I should not have been charged anything over the annual payment amount. When I called the bank the consumer services person laughed at me and told me she could not help.
Product: Debt collection

Repeated calls from debt collectors even though I don't have any debt/loans at all. I told them they must have incorrect contact information, they said they will continue calling until they can verify I'm someone else. I asked repeatedly to remove my number and quit calling, they refused to do so and got hostile and rude saying they were doing their job.
Product: Checking or savings account

Bank of Texas falsely claims they have " Free Checking '' but charge a fee for paper statements and REFUSE to let customers opt out of that fee unless they sign up for online banking=which EXPOSES customers to fraudulent activity. 

Forcing customers to expose their accounts to fraud seems unlawful. It should not be a requisite to obtain something deemed 'free '. 

I'm asking CFPB to prohibit financial institutions from claiming a service is " free '' if it's " free '' if and only if clients are forced to expose their finances to fraud thru online banking or other undesired exposures. 

see website here : https : //www.bankoftexas.com/personal/products-and-services/personal-banking/checking-accounts/free-checking Site does not disclose that online banking is demanded for checking to be " free ''
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a nation data breach. After reviewing my credit reports I noticed some accoiunts I am not familiar with. I have ask the CRA 's for validation of debt, however the imformation has not been provided Due to my information being exposed, I have summited a FTC complaint reporting the information Iam not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt Letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

The issue I had was that when I tried to change my personal information on record, the phone number to which the company would send a verification message was not mine. I called them multiple times in the month of XXXX but they refused to believe that my personal information could be leaked. One person I spoke to on the phone was able to see that there was an unrecognized phone number on my profile but was not able to tell how it was possible. He transferred me to another department and then after that point nobody believed me and insisted that the phone number they have on file is my correct phone number. To clarify, they did have my phone on their file, but they also had another number on file which was the only for them to send verification message to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information AXXXX XXXX XXXX accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX  removed it. This also brings up another violation of the FCRA you shall not XXXX  to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX and you lied about that mm mm mm you XXXX XXXX you!
Product: Mortgage

This is a follow up to the complaint I filled with CFPB on XXXX complaint XXXX XXXX, I was contacted by BOA Resolution Specialist, XXXX XXXX XXXX XXXX 
BOA modification department requested additional information which I have timely submitted and they are in a satisfactory standing by BOA, however, BOA is coming back asking for additional new information that are totally unrelated to the my loan mortgage modification such as for example, I have to prove that my wife is living with me in the same house? Unbelievable request, yet I did provide the additional information to verify that, I have also submitted more financial information over and above what they asked for, which is satisfactory to BOA Yet I am still getting phone call messages form BOA for additional, frivolous, demeaning, intimidating and insulting information that are being fabricated to induce delay. I have written a detail letter to XXXX XXXX that I am enclosing with my complaint f.or your review At this point, it is very clear to me that BOA is delaying the inevitable modification by keep increasing my loan amount and pressure me into accepting a marginal modification offer that I will have to accept in order to stop the clock, again, a predatory tactic. BOA keep asking for more and more totally irrelevant information and documentation that are unrelated to my loan modification, in the meantime my forbearance amount keep adding up with the higher and not modified monthly payment eating up my equity and increasing my loan.
Product: Mortgage

OCWEN is our loan servicer and they have scheduled a foreclosure sale for XX/XX/2018, even though they gave us a loan modification. They kicked us out of the modification and claimed our first trial payment was late. However, our payment WAS MADE ON TIME and we are getting the runaround by their representatives. We fell behind on our mortgage payments after we went through some tough times financially. We went through their modification process and we got a modification with an affordable payment. I sent in our payment, but they claim it was late and not the right amount. However, I have proof that it was not made late and that it was the exact amount they requested. 
We see that OCWEN got in trouble for this type of behavior and your agency fined them {$2.00} XXXX, but it appears it is just business as usual at OCWEN. We also have concerns regarding the significant increase in our loan amount when we refinanced our loan. Our balance was about {$110000.00} and we took out {$20000.00} to alter the home to meet the needs of our son. However, when he dust settled from the refinance, the balance on our loan ballooned to over {$190000.00}. We tried to get an explanation from our Broker, but we could never get a straight answer. 
We are hoping you could press them to do a formal review of where our money has gone and why our loan went up over {$50000.00}. I have never spoken to the same person twice at OCWEN, have never been able to get our single point on contact on the phone more than once, can not understand them some times and they just keep us in an endless cycle of wasted time and effort. Our current income is sufficient enough to make a reasonable mortgage payment and we want OCWEN to take a step back from foreclosure proceedings and initiate a proper review to resolve our mortgage issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/2025 Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Experian conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report noticed a fraudulent account on my report. Please remove this account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( Equifax, XXXX and XXXX ) about the inaccurate information being reported under my name. Equifax claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.
Product: Checking or savings account

Account charged {$400.00} on XX/XX/07 through XXXX XXXX. Money was used to purchase an item from a merchant. Merchant blocked my account and never sent the item to me so was a net loss of {$400.00} with no item received. Claim made with wells fargo and was denied with no reason as to why the claim was denied. 
I made a previous complaint with wells fargo about claims taking months to resolve, which will not allow me to close out my account with them. They still have not closed out claims and won't give me a reason as to why it won't close nor a timetable as to when it may close. I was given a claims specialist number and they won't return my calls or contact me with any updates. I want to close my account with this bank. I have been a member of their bank for almost 10 years, and I have never experienced more fraudulent charges along with terrible customer service.
Product: Debt collection

This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.
Product: Debt collection

I submitted a certified letter to COMMONWEALTH the collection agency, in fact I used cfpb.gov ( Debt collector response sample letter template ) and within this letter I asked them to contact the Credit Bureaus ( If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ) Well my letter is dated XX/XX/XXXX I am sure of it because the certified receipt is dated XX/XX/XXXX. This was a month ago. This was for the Unverified/Validated information concerning the medical debt for XXXX. 
CommonWealth reported to XXXX a 'New collection ' letter on XX/XX/XXXX, another letter I received from XXXX on XX/XX/XXXX letting me know changes on my credit file has taken place from this ( misinformation account XXXX ).
Product: Credit reporting or other personal consumer reports

This account was opened, paid, and closed SEVERAL years ago. This credit union continues to re-post old information on my credit report which brings down my credit age and lowers my credit score. I want this information REMOVED PERMANENTLY.