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

This past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.
Product: Debt collection

XXXX - XXXX Nationstar Mortgage could not show any paperwork regarding mortgage or note, except public record copies. 
XXXX - XXXX, attempting to put an end to this, I Fully Satisfied the Note & Mortgage XXXX - XXXX they were allowed to continue towards foreclosure and return payments instead. 
XXXX - XXXX No payments returned, they foreclosed on a debt free home, kept all payments and are now evicting me. 

The judgment of foreclosure was achieved through fraudulent paperwork based on public record copies and with super imposed signatures. 
The home has been debt free and clear since XX/XX/XXXX. XXXX XXXX and Nationstar are involved in fraud and unjustly enrich themselves. 

Attached please find : 1 ) Payoff statement request, 2 ) Copies of both Lump sum Payments, 3 ) e-mail from Natiostar thanking me for the two payments, 4 ) XXXX reporting the mortgage / note Active before payment and Inactive after payment was posted into their account. 5 ) independent real estate company who looks up loans and leans on properties show that the home holds no debt
Product: Debt collection

XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, there should only be hard XXXX inquiries on my credit ( there's XXXX hard inquiries showing right now ) : The following XXXX are valid hard inquires : XXXX ) XXXX XXXX for car purchase XXXX ) XXXX for car purchase Please remove the following hard inquiries from my credit : XXXX hard inquiries on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, JPMCB Auto Finance ) were not authorized And, another hard inquiry on XX/XX/XXXX ( JPMCB Auto Finance ) was not authorized.
Product: Debt collection

I contacted the original creditor and let them know that this account did not belong to me. They notified me that this account was sold to Portfolio Recovery associates LLC. THIS ACCOUNT DOES NOT BELONG TO ME! Please investigate this matter and remove this account!
Product: Credit reporting or other personal consumer reports

I've tried contacting XXXX XXXX XXXX about a charged off in the amount of {$4800.00} multiple times through dispute letters and personally calling them. The letters came back verified and when i call them to tell them that the account is not mines they just told me that the name and ssn matches, but when i asked them if the emails, addresses and phone numbers matched mines, they asked me to confirm mines and when i did they said that the info on file did not match, And they still refused to remove the account. Ive also reached out to Equifax and they kept telling me to refer to XXXX XXXX XXXXlso see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, Equifax and XXXX credit agencies reporting new accounts open in 2021 .Creditors XXXX XXXX XXXXXXXX credit card and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX. Please update this account ASAP.
Product: Mortgage

My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.
Product: Credit reporting or other personal consumer reports

Ian writing to dispute the following information that appear in my credit report from XX/XX/XXXX. 
XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX ACCT # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX  Acct # XXXX In all of the above accounts there are errors. I am in disagreement with the items listed. I asked several times for a copy of the investigation you you done to come to the conclusion of it being accurate. This inaccuracy is highly injurious to my credit rating and costing me thousands of dollars in interest. Please investigate these matters and delete the errors or correct them. And provide me with a copy of your investigation the date you contacted the companies, the person you spoke with, the time and the information they provided. And how you determine the accuracy. Only a signed CONTRACT CAN VALIDATE ME! 
Please do not respond with your GENERIC RESPONSE OLEASE PROVIDE FACTSTHAT CINNECT ME TO THESE ACCOUNTS. If you continue to be non compliant to the law. I further remind you that as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ) that you may be held reliable for willful non compliance Include in attached files is my id and a bill of my address
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX. Date of birth XXXX contact XXXX i am very upset with Exprian Credit Beauru mess with my credit report please take action because only CFPB can help me XXXX, i dnt know how connect my persobnal account attached with credit report always showing big expenese even any small payment of credit card stop right way to monitor my all personal checking bank accounts XXXX soft enquires hard enquries still not deleted which not belong to me i dnt recognise XXXX. SLS My montly payent is wrong amount is wrong balance is wrong XXXX spruce solar account wrong XXXX late payments XXXX XX/XX/year> XX/XX/year> XX/XX/year> Please i write certifed leeters but experian not answer me i called everyday waste my XXXX hours no anyone contact with me experian careless scam beauru work for money big company target special some people
Product: Credit reporting

Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to receive vague reinvestigation statements from Experian. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the EXPERIAN Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX  with XXXX ; the Representative from the Dispute Department initiated two case numbers. XXXX XXXX XXXX through XXXX Credit Bureau and CASE No. XXXX FTC complaint.
Product: Credit card or prepaid card

I applied for a credit transaction, using my credit card to extend myself credit using navy federal credit union, as defined by the truth in lending act pursuant of 15 USC, chapter 41 subchapter 1.

They process the transaction using my credit and denied me the extension of credit.
Product: Mortgage

I paid one year insurance to XXXX XXXX  at closing on XXXX XXXX. Wells Fargo informed me by email on XX/XX/XXXX  that I did not have insurance! They waited one year and then forced a {$4500.00} policy onto my loan. XXXX XXXX  was not aware that the company they chose had cancelled my insurance. The check was cashed but evidently I was not covered. As soon as I received the email from Wells Fargo, I called my XXXX rep and was insured by midnight that night. Well Fargo backdated a policy and added it to my loan! I did what I was supposed to do at closing and I am being penalized for what an insurance company did with my money. So now I am paying {$7500.00} for a XXXX sq.ft. house!!!! 
I am a widow on social securtiy and this maneuver by Wells Fargo has to be illegal! I am being penalized and I did nothing wrong. My mortgage balance is now more than I originally borrowed! My mortgage payment went from {$1600.00} per month to almost {$1900.00}! I just looked at my account and now it went up agin for XXXX to {$2000.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled up my credit and see a late payment being reported by XXXX XXXX and a collection from XXXX XXXX. I called them and are getting the run arrounds. I have never been late with XXXX XXXX at all. i sent letters to the bureaus to send verifiable proof on how they are reporting this this late payment because i was never late and I was in good standing with them, i have the bureaus letter after letter and i have no got no response what so ever. they are ignoring and my request and this is affecting my credit. the same thing with XXXX XXXX. have disputed this more than 5 times over 35 days apart and asked to send me verifable prroof this is my account. i have no contract with XXXX XXXX nor XXXX XXXXXXXX. THE BUREAUS HAVE FAILED TO RESPOND TO BE OR SEND ME ANY UPDAED INFORMATION. I HAD TO CALL MY SELF TO REQUEST THIS FROM THE ORGINAL CREDITOR AND WAS TOLD TO TELL THE BUREAUS TO REMOVE IT.
Product: Debt collection

Just found out that Synchrony Bank ( PayPal ) filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.
Product: Vehicle loan or lease

On XXXX XXXX WELLS FARGO AUTO offer was accepted and returned for value. 
On XX/XX/XXXX. 2020 WELLS FARGO AUTO accepted a private settlement agreement with XXXX XXXX XXXX in the amount of XXXX.
Product: Credit card or prepaid card

I fully expected to receive a heavily advertised {$250.00} sign-up bonus from American Express when I signed up for their blue cash preferred credit card. I never received it. American Express has explained that because I canceled other credit cards that I was not entitled to the bonus, and importantly, that this was communicated to me through a pop-up window. I do not recall ever seeing this pop-up window. And as we are all aware, pop-up windows are often advertisements so I may or may not have clicked that window closed without knowing what it said. The application page itself did not clearly state anywhere that I would forfeit the sign-up bonus, hence my expectation in signing up for their card, and in being charged {$95.00} upon receiving the card, was that I would receive that bonus. Please investigate American Express for ambiguous promotions for their products. At worst, this has/is happening to many other people, as American Express seems to have non-transparent points calculation and sign-up bonus practices that lead me to question their ethics. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

Experian has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on Experian XXXX XXXX Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX Experian XXXX XXXX an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment
Product: Debt collection

I check my credit often because I 'm monitoring it cuz planning to purchase a home by the end of the year. Just recently got married. So i was looking through   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   noticed Deville on my credit report. I did n't recognized the name so decided to contact them. Spoke to a   XXXX   XXXX   and asked her what is this all about. And she told me it 's a credit card through  XXXX  that was opened back on 2004. It did n't dawn on me till later that why would this show up now if it 's been opened for that long. Never did I get any letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) XXXX is reporting a duplicate on this account as XXXX partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.
Product: Debt collection

I was attempting to refinance my home and found out I have a lien on my property for over {$29000.00}. 
I reached out to the debt collector/ Reese Law Group ( XXXX XXXX ) to obtain the documentation on this judgment and information on the debt and all XXXX XXXX did was try to provide with the file number and said he did not have to provide me with that documentation that discloses what the debt is for, he didn't even know my name,, he provided me with my maiden name that I haven't used for over 12yrs, this clearly shows he's trying to collect on something that is over 12yrs old. XXXX was trying to workout payment arrangement but I told him that the information is incorrect, and that I'm not paying on something that is not right. He mentioned that it was regarding a XXXX XXXX XXXX Account, I told him I do not owe XXXX XXXX XXXX XXXX, and that I want all the documentation so I can review. I also mentioned to XXXX that I did not receive anything from them or any court notification, I would think they would certify something like this but of course that wouldn't be convenient for the debt collector. They took advantage that I didn't show up to court and just slapped a lien/judgement without allowing me to defend myself in court and to top it off in a county that I don't live in. I also asked if he can send me documents via email and he said that they don't do that, he said he can mail me the judgement. I then told him he can go ahead and Mail it, but then he asked for my address, I don't understand why he doesn't have this info since he had previously mentioned that he sent me mail on court order which I never received. All I want is for them provide me with all supporting documents regarding this debt and lien so I can have the opportunity to go to court and get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against all 3 Credit bureaus, XXXX, Transunion and XXXX. They are all reporting 4 accounts that had fraud charges. The accounts are the following : XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00}, XXXX XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance : {$0.00} XXXX XXXX, account : XXXX, date open : XX/XX/XXXX, balance {$0.00}. XXXX XXXX/XXXX Account : XXXX date open : XX/XX/XXXX, balance {$0.00}. All of these accounts were victim of fraud charges therefore they incur to late payments. Send the required notice to all businesses that supplied this information. The FACRA requires you to block the fraudulent information from my credit report resulting from FRADULENT CHARGES within 4 business days and to promptly notify the business that sent you that information. I already tried contacting the companies individually but had no positive answer. I have enclosed a copy of my Identity Theft Report, please send me a letter after you have Removed this information from my credit report and sent notice to the businesses involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a promotional inquiry on my credit report from Granite Bay Acceptance. I did not initiate this request, have no relationship with the company and have no interest in the products they are offering. I am on the Opt-Out list and they are not honoring the Opt-Out. 

The text that appears on my credit report is as follows : GRANITE BAY ACCEPTANCE C XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/2020
Product: Debt collection

I have disputed this account and the account was removed from my credit reports. However as of XX/XX/2020 the account reappeared on my credit report only now is listed as a closed account with a late payment in XX/XX/2020. This XXXX XXXX account has not ever been late and is currently an open account with the XXXX Domestic Relations Court. The account was unverifiable and now is being reported again inaccurately.
Product: Credit card or prepaid card

I requested payment assistance in form of fee waiver via a secure message on Barclaycardus.com, message sent several days ago ... Payment assistance is needed due to pandemic, a fee waiver was requested and no reply to date. I also called Barclaycard several times, was on hold for well over two hours each time and no rep picked up. Calls were made to again request fee waiver as well as payment assistance in form of extension or deferral. The fee in question will remain unpaid as I am disputing it, account will be paid off less the amount. Being such a small amount, {$15.00}, if any collection agency even accepts the account, I doubt they will attempt to collect after explained the amount is questionable due to pandemic and other reasons. Prior complaints were made via CFPB portal, a XXXX marks them as duplicate in order to avoid refunding fee and or offering assistance. The fee is for NSF, a payment returned on XX/XX/XXXX, unbeknown to me, Barclay resubmits payments, if I had known this I would not have made a replacement payment on XXXX which did in fact clear on XX/XX/XXXX as attached screen shot shows..