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

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX, XXXX, and Transunion. 

Dear Sir/Madam, I am writing to file a formal complaint regarding fraudulent activity on my credit report. After reviewing my credit report, I have discovered several inaccuracies and fraudulent entries that have severely impacted my credit score and financial standing. 

Upon reviewing my credit report from XXXX, XXXX, and Transunion, dated XX/XX/year> for XXXX XXXX ( XXXX XXXX XXXX  ) account number # XXXX,, I noticed several accounts that I did not authorize or recognize. These accounts include unconsented loans. Furthermore, there have been unauthorized inquiries made on my credit report, which suggests potential identity theft. 

I have taken immediate action to dispute these fraudulent entries by contacting the respective creditors and providing them with the necessary documentation to prove my innocence. However, despite my efforts, these fraudulent accounts remain on my credit report, causing significant distress and hindering my ability to access credit when needed. 

I demand that XXXX, XXXX, Transunion conduct a thorough investigation into these fraudulent entries and take swift action to remove them from my credit report. Additionally, I request that you provide me with a written explanation of the steps taken to rectify this situation and ensure that my credit report accurately reflects my credit history. 

Furthermore, I request access to any information or documentation related to the investigation of these fraudulent activities, as well as any measures taken to prevent similar incidents in the future. 

I expect prompt attention to this matter and a timely resolution to restore the integrity of my credit report. Failure to address this issue promptly will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse. 

Please acknowledge receipt of this complaint and provide me with a timeline for the resolution of this matter. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Sometime early in XXXX, my account with XXXX XXXX became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/year> until now, I continue to be contacted by XXXX separate entities for this same debt : XXXX Entity : XXXX XXXX 2nd Entity : Apelles 3rd Entity : XXXX XXXX XXXX I am being contacted at the same by all 3 of the entities- which is stressful. In addition, how can the same debt be held by threXXXX different entities. This is also affecting my credit report and XXXX report. On XX/XX/year>, I paid the XXXX XXXX debt to the debt collector Apelles, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed XXXXXXXX XXXX XXXX. Then to Nelnet/Dept of Ed Student Loan Service. XX/XX/XXXX, of each year, a deferment was applied for and awarded.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX  account with the account number XXXX. Despite multiple attempts to resolve this issue with TransUnion and XXXX, the problem remains unresolved. 

The XXXX  account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my XXXX XXXX. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. 

By continuing to report inaccurate information, TransUnion and XXXX are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. 

It is evident that TransUnion and XXXX are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. 

Recent reports have highlighted the XXXX shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel TransUnion and XXXX to correct the inaccuracies on my credit report. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

My parents passed away recently, my father being the most recent in 2021. After my fathers passing, he left the house we lived in together to me. Since then, I have been trying to obtain successor of interest with the mortgage company my father worked with, in order to assume the mortgage loan so that I can keep my home. Even though I have provided them with all the information asked for ( deed of distribution, real estate affidavit, trust, and the death certificate of my father ) they have been giving me issues, and refused to grant me authorization. In the words of my lawyer they are engaging in illegitimate, and unprofessional behavior. Since they have not granted me authorization, they stopped me from being allowed to make payments on the loan, therefore, the loan is now in default, even though I have stated to them that I have the money to pay the monthly amount, they just will not authorize me to do so. I feel that considering I have given them all of the documentation asked on time, as well as having the urge to pay the loan, that it is not fair that they are threatening me with foreclosure when I am trying my best to avoid that. I do not want to lose the home that Ive lived in all my life, and that my father worked so hard for just to be taken from me over something that can be resolved. Please help.
Product: Debt collection

Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )
Product: Mortgage

I filed for Cares Act mortgage forebearance with TD on SXX/XX/XXXX. I called it in because TD does not allow you to submit any other way. I paid my XXXX payment becasue they told me I may not be approved by XX/XX/XXXX and they would return the money if I ended up getting approved for XXXX. I've been waiting and waiting and waiting for my letter and finally called back and they said the phone rep forget to send it over to the forebearance department and they would send it over again. I should pay XXXX and they will return the XXXX and XXXX payments when I am approved. 

I don't believe them. And because they do not follow up with a message or email or letter when you apply, you have to hope they are putting it through correctly. 

I would like to confirm that this time they are processing my request, and they will return XXXX and XXXX payments to me. I do not have escrow with them, just interest and principal. 

I would also like to suggest they should be required to follow-up in writing acknowledging when they receive a request for mortgage forebearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I filed an identity theft report with my local police department about several items on my credit report that I did not authorize. I contacted Equifax to inform the company of the problem. I challenged the information and submitted all pertinent documentation to prove my cause. It clearly showed that the information on my credit report did not match my identity of my place of living. I explained to Equifax that someone had gotten hold of my personal information and used it and opened accounts in my name. Equifax has continuously failed to remove the account on my credit report and it is hurting my score, credit opportunities and my total credit health. The account is XXXX XXXX XXXX. It is an auto loan and the car dealership that sold the vehicle in my name is no longer in existence. I did contact someone from the company and they verified that the car was in my name. So, I got all of the information on it, looked it over and ran a search on it to discover that the car was a totaled vehicle. Meaning that someone had purchased it from a junk yard and put it back together and resold it which is illegal in the state of Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX  in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.
Product: Credit reporting or other personal consumer reports

I attempted to submit a dispute to LexisNexis Risk Solutions regarding inaccurate information provided to XXXX XXXX regarding my driving history. However, the dispute form online requires a case number from a LexisNexis Risk Solutions letter if documentation is being attached, which I do not have as I am not the original recipient of the information from LexisNexis ; XXXX XXXX received the consumer report from LexisNexis. I provided my XXXX XXXX policy # instead. I received a notice from XXXX XXXX on XX/XX/XXXX which included two speeding tickets on the same day ( XX/XX/XXXX ) when there should have only been one speeding ticket on this day. The notice stated that the information came from LexisNexis Risk Solutions and provided the address, phone number, and website for this consumer reporting agency. XXXX XXXX relied on the inaccurate information and increased my premium. The XXXX representative that I spoke with stated that to update the inaccurate information I would need to provide them with a letter from LexisNexis after the issue is resolved. 

I am writing to the CFPB to ensure the issue gets resolved, as I am not sure that the dispute to LexisNexis will be investigated without the case number that their online dispute form requires. 

I am also attaching the adverse action notice from XXXX regarding my driving history and the XXXX public court records showing one speeding ticket for this day.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I initially disputed an inaccurate charge-off from XXXX XXXX XXXX XXXX XXXX ) on my Equifax credit report. After Equifax failed to provide proper verification within the required 30-45 day FCRA dispute timeline, I filed a CFPB complaint to escalate the issue. 

Timeline of Events : XXXX. XX/XX/XXXX : I first disputed the charge-off with Equifax, requesting verification. 
XXXX. XXXX - XX/XX/XXXX : Equifax failed to verify the debt or remove the charge-off. 
XXXX. XX/XX/XXXX : I filed a CFPB complaint due to Equifaxs failure to respond within the legal timeframe required by the Fair Credit Reporting Act ( FCRA ). 
XXXX. XX/XX/XXXX : Equifax responded through the CFPB, stating : THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. 
This was a direct acknowledgment that the charge-off should no longer be on my credit report. 
XXXX. XX/XX/XXXX : Despite Equifaxs CFPB response, I pulled my most recent Equifax credit report and the charge-off was still listed. 
XXXX. XX/XX/XXXX : I contacted Equifax customer service and spoke with a supervisor, her name is ( XXXX XXXX ID # XXXX XXXX of consumer affairs at XXXX on XX/XX/XXXX ). She confirmed that the charge-off was still reporting and refused to escalate the issue. She told me to file another CFPB complaint, which brings me to this submission. 

Equifaxs Violations of the FCRA 1. Failure to Verify Debt in a Timely Manner : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to complete an investigation within 30-45 days. They did not provide proper verification before my first CFPB complaint.

2. Providing Conflicting Information : Equifax told the CFPB that the charge-off is not currently reporting, yet I have proof that it is still on my credit report.

3. Failure to Correct Inaccurate Information : Even after confirming that the charge-off should be removed, Equifax has not corrected my credit report, violating 15 U.S.C. 1681e ( b ) ( the requirement to ensure maximum accuracy in credit reporting ).
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX stolen from my account chat with customer service support no return all documents was sent in XX/XX/XXXX XXXX was stolen from my account all documents was sent in not resolved XX/XX/XXXX XXXX was stolen from my account customer service claims it was a system error and it would return no action
Product: Checking or savings account

I was hired for a company and I received two checks for work. I put my checks in the bank and was told it was for computer supplies and tools. I have never worked online before and this was my first expericence. I received a call from the actual company and was told there was many wire fraud and money laundry. I went back to the man who recurited me and my money was out of my account. I went to my bank and told them what happend with all the check information and names. The actual company filled me in and told me there was a investigation in progress with the person who has been doing it. I talked to everyone I needed to and sent in multiple copies of evidence. My bank said they will look into it to get my money back because they took all the money out of my account and left with nothing. I was sent back that my request was not approved because I authroized the pay outs and I did not, they stole money from my account.
Product: Mortgage

I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information being reported in credit files maintained under my social security with Equifax and XXXX. They claim the information was reported by Federal District, US BKPT CT FL XXXX from XX/XX/XXXX. <P/>I challenge the accuracy, compliance and reportability of these entries. I have sent confirmation verifying that these entries were not entered by the entity in which my credit reports claim. I have concerns of identity theft and have filed a report with the IC3.gov on account I have received threaten emails from scammers including my social security number and demographics. Therefore, I do not consist to automative reporting from 3rd party data companies. Even upon this verification Equifax and XXXX  still insist on reporting this information. My initial request for validating this information with these credit bureaus was on XX/XX/XXXX and a second request was made after they claimed the information was validated. Their claim was inaccurate and conflicted with the verification letters I sent them from the court stated they did not report the information. <P/>XXXX has complied with this request, however they continue to report inaccurate information as well. They are reporting US BKPT CT TENN from XX/XX/XXXX. My initial request to validate this information was also made on XX/XX/XXXX and included a letter from the court stating they did not report this information. As of XX/XX/XXXX I have also initiated a security freeze with XXXX XXXX in efforts for me to clear up some inaccurate information being reported to the credit bureaus. <P/>All three credit bureaus continue to report the of XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$4300.00}. They claimed 1st of date delinquency XX/XX/XXXX. I moved out XX/XX/XXXX. I m I have disputed this with XXXX XXXX XXXX who insist their information from XXXX XXXX is accurate and therefore validated. The credit bureaus continue to report this information dispute the evidence I have supporting that this information is missing data and inaccurate. The evidence XXXX XXXX XXXX has supplied me as validation was a move out inventory sheet which lacked my name, apartment unit, signature and the start lease date was incorrect. They included this with a copy of the first two pages of my signed lease and an itemized billing statement that reflected a base rent that conflicted the signed leased, legal expenses for filing eviction despite I have moved out 3 months prior to their eviction, and claims of damages. My evidence included their evidence pointing out the discrepancies, my noticed to vacate and XXXX XXXX acknowledgement of my notice to vacate prior to my moving out. I also included a copy of a rental verification for another property where XXXX XXXX still acknowledged I had submitted my notice to vacate prior to my moving out. I have filed a complaint with the Better Business Bureau for this unfair and inaccurate reporting by XXXX XXXX.
Product: Credit card or prepaid card

I have had a running battle with Synchrony Bank. I keep paying off my monthly total and they keep charging outrageous interest. Here 's 2023 : Month Balance* Interest Rate XXXX {$300.00} {$6.00} 25.3 % XXXX {$140.00} XXXX 68.7 % XXXX {$400.00} {$9.00} 28.3 % XXXX {$380.00} {$10.00} 33.0 % XXXX {$540.00} {$15.00} 33.7 % XXXX. {$350.00} {$18.00} 61.3 % * WHAT they claim, but that wasn't my balance posted on line. 

They refunded the {$18.00} after I protested for the last 3 months and they told me last month IF I paid off the {$200.00} there'd be no interest. They still applied it any way. 

I DON '' T like there shady practices. I go on line EVERY month ( XXXX ) to get my balance, except the value posted wasn't my true balance. Took me 3 months to get that straight, and I complained then about unfair interest charges. 
Synchrony Bank is gouging theor customers and not being transparent with your balance owed. I have 5 other cards ( general and dedicated stores ) and this was the ONLY ONE I had issues with!!